The protection of privacy and security of your personal information is important to Global Insurance Brokers Private Limited, (“Company”) , a Company incorporated under the laws of India. We conduct our business, and collect information in compliance with the applicable laws and keeping in line with the following security practices. The Company ensures reasonable security practices and procedure to secure and safe guard the personal information, sensitive personal information/ data shared by you with the Company. Our Privacy Policy discloses our information practices regarding information being collected, method of such information collection, use of such information, information sharing if any with third parties, measures to safeguard information collected and the choices that you make about the way such information is collected, used and disclosed including accessing and updating the information.

Company has obtained all the necessary statutory permissions, permits/license to use this website. By using/accessing/registering on the https://gibonline.in (“Site”) you agree to accept the terms of this Privacy Policy. This Privacy Policy applies regardless of the means or device you use to access the Site. It is clarified that the Company has adopted these privacy principles for the Site alone. This Privacy Policy does not apply to any other third party.Personal Information shall, include without limitation, any information or opinion that identifies or can be used to identify, contact or locate you, including, but not limited to, name, photograph, salutation, gender, address, phone number and email address, etc. Personal Information shall also include ‘Sensitive Personal Information/ Data’ herein below described (collectively “Personal Information”).

Sensitive Personal Information/ Data shall mean and include all such personal information which consists of information relating to password, financial information such as Bank account or credit card /debit card or other payment instrument details, physical, physiological and mental health condition, sexual orientation, medical records and history, Biometric information, any detail relating to the above clauses as provided to body corporate for providing service and any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise Provided That, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal information/ data. Terms capitalised but not defined herein shall have the same meaning ascribed to them in the Terms of Use.

PERSONAL INFORMATION THAT WE MAY COLLECT

We only collect Personal Information that you choose to provide us or for the collection of which we have your consent under this Privacy Policy. Through your use of this Site, we will not collect any Personal Information about you unless you voluntarily choose to provide us with the same. However, for safety and security reasons we will monitor your usage of the Site through cookies as mentioned in our Terms of Use. Click here for Link to Terms of Use to show and/or print a copy of this Terms of Use, which forms part of these Terms. By accepting these terms, you shall also be deemed to have accepted the terms of use. The Personal Information provided by you shall be correct and yours. Any false name, misleading information etc. entered by you shall be a breach and the same can be challenged against in any court of law.
We collect Personal Information in the following ways:

  • When you register online for accessing any information being offered on the Site;
  • When you upload, transmit, display, perform or distribute content, information or other data, including images and other Personal Information;
  • When you post on a message board;
  • When you participate in any survey or poll conducted on the Site, either by the Company or through third parties;
  • When you send SMS, MMS or other mobile device based messages;
  • When you interact with the content available on the Site;
  • When you sign up to receive emails or other communications from the Company or other third parties through the Site;
  • When you contact us with a question or comment;
  • When you expressly enter information into a text field or otherwise submit information to us.
  • When we collect information directly by you or by your direct employers or agents or authority / consent holder.

We will only collect Personal Information as is permitted by applicable laws and regulations in India. You are under no obligation to provide Personal Information notwithstanding any other law applicable to you, however, by not providing this information you may be prevented from accessing the information available on the Site.

CONSEQUENCES OF NOT PROVIDING YOUR PERSONAL INFORMATION
If you choose not to provide your Personal Information that is mandatory to process your request, we may not be able to provide the corresponding service.


COLLECTION OF NON-PERSONAL INFORMATION

We may automatically collect certain information on your visit to the Site such as your information about the domain name of the website from which you came, information relating to frequency of visits, average time spent, pages viewed during the visit, name of your internet service provider, device specific information, your browser type, operating system and language, your device etc. (“Non-Personal Information”). This Non-Personal Information is anonymous information that cannot be used to personally identify you. We may use such Non-Personal Information for the purposes of administering the Site, analysing user trends, gathering demographic information, ascertaining how our visitors use our Site, evaluating your use of the information on the Site and to improve content on our Site and performance.

We may share this Non-Personal Information with third party service providers and advertisers to measure the overall effectiveness of our online advertising, if any, content programming and for other bonafide purposes as we may desire, at our sole discretion. By using our Site you expressly provide us with your consent to access such information for one or more purposes deemed fit by the Company.

USING THE INFORMATION COLLECTED
You explicitly /voluntary consent to the Site and the Company using your Personal Information by
  • Using this Site,
  • Registering with this Site,
  • Providing Personal Information
  • Opting in when presented with the choice, you explicitly consent to the Company using your Personal Information, subject to applicable laws.

We will use the Personal Information provided by you, more elaborately, to:

  • Facilitate in providing the services and features that most likely meet your needs;
  • Facilitate in providing the information you request (e.g. send you by email or other electronic means the information);;
  • Manage our relationship with you;;
  • Inform you of products, promotions and competitions which you may find interesting;;
  • Respond to any queries you may have;;
  • Monitor and improve our Site;;
  • Develop a more direct relationship with you for the purposes described in this section;;
  • Deliver content and information via SMS, MMS and other mobile services;;
  • To enhance and support our relationship with you including to inform you if we change anything important about how the Site works;;

The Site will collect, use or disclose the Personal Information provided by you and/or collected by us as mentioned in this Privacy Policy only for the purposes disclosed to you, unless the disclosure:

  • is a use of the Personal Information for any additional purpose that is directly related to the original purpose for which the Personal Information was collected,
  • is necessary to prepare, negotiate and perform a contract with you,
  • is required by law or the competent governmental or judicial authorities,
  • is necessary to establish or preserve a legal claim or defence,
  • is necessary to prevent fraud or other illegal activities, such as wilful attacks on our information technology systems.

Please note that we cannot and will not be responsible for other parties' use of the Personal Information, which you make available for public view through the Site.

MARKETING PURPOSES

By accessing the Site, you provide us with your free consent to use your Personal Information for marketing purposes. It is clarified that your participation in marketing activities is voluntary and if you ever want to change your preferences regarding the use of your Personal Information and would like us to remove your information from our marketing e-mails or newsletters, unsubscribe you from our database, or if you would like to change or correct any of your information, please contact us at motor@globalinsurance.co.in. Please include your name, email address, name of corporate, contact number and clear instructions regarding any changes you are requesting or simply unsubscribe with reasons, if any.
OTHER SOCIAL MEDIA

You may also be able to engage with third party content, as well as content offered to you by the Site, through third-party social networking sites, such as Twitter, Instagram, Facebook, etc. Your access and usage of the Site through any other social networking sites will be subject to these Terms and Privacy Policy. Providing us with information from your social media account enables us to give you exclusive content, personalize your web experience on the App, and allow us to directly send you promotional and marketing material. It is clarified that your information as seen on social media accounts is governed by your privacy settings and policy and hence we cannot prevent further use of the information and it is your sole responsibility to control what data you share through privacy settings available on the social media websites.
SHARING INFORMATION WITH THIRD PARTIES
The Personal Information provided by you is stored in our database. If you have chosen to provide us with the Personal Information through your use of the Site, you agree that our related authorized third parties, including affiliates, associate partners/business partners (if any), related companies, our agents or contract issuers, their agents and others they rely on to provide their services and products (e.g. reinsurers), premium finders, other insurance intermediaries, insurance reference bureaus, loss adjusters or assessors, medical service providers, credit agencies, lawyers, accountants, prospective purchaser of our business and our alliance and other business partners will be granted access to your Personal Information. We may transfer or otherwise make available your Personal Information to authorized third parties for various purposes including, to process information on our behalf, including service providers, to host the Site, serve advertisements, send e-mails / SMS on our behalf, run contests, promotions, conduct surveys and research, process any online transactions and to operate certain features on the Site, verifying the accuracy of information provided, for which we shall need your clear affirmation by providing a positive OPT-IN option.

Further, such third parties may obtain your Personal Information that you may voluntarily submit to them to make use of the products and/or services and/or any offers being provided by them. We are not responsible for the collection and use of your Personal Information by these third parties. The Company assumes no liability whatsoever for any disclosure of Personal Information due to any unauthorized third-party access or other acts of third parties, or any other acts or omissions beyond reasonable control of the Company.

In the event the Company is required to respond to subpoenas, court orders or other legal process, your Personal Information may be disclosed pursuant to such subpoenas, court order or legal process, which may be without notice to you.

Further, we also reserve the right to disclose your Personal Information to third parties, in accordance with applicable law, where a complaint arises concerning your use of the Site, where we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person and where we believe, in our sole discretion, that your use is inconsistent with the Privacy Policy or our Terms of Use.

The Site may contain links to certain third-party websites owned, operated and maintained by third parties. You may enter certain personal information and/or sensitive personal information at third party websites to avail of certain services. You acknowledge that the Company is not responsible for the privacy policies or content practices of such other websites and such websites are subject to their own privacy policies and are not covered by this Privacy Policy. You expressly acknowledge and confirm that the Company is not responsible for the privacy policies of such third parties’ websites that you link to, nor do we have control over the use or security of information provided by you to those websites or collected by those websites. We do not verify the privacy policy or the manner of collection of information of the third-party website and are not liable to do so. By visiting their website you agree to be bound by their terms of use and privacy policy. It is hereby expressly stated that Company has no control whatsoever over information you submit on third party websites. This Privacy Policy only deals with your Personal Information shared with the Company and the Company shall in no manner be liable for protecting the personal information which you may share on such third party websites. We therefore encourage you to carefully review the privacy policy of any third-party websites you visit before using this Site.
WITHDRAWAL OF CONSENT

If you previously gave your consent for a company or organisation to use your personal data, you can contact us at dpo@globalinsurance.co.in and withdraw your consent at any time. Once you've withdrawn your consent, the Company will stop using use your personal data.
SECURITY
During the course of storing your information we are committed to ensuring that your information shared is secure. We make every reasonable effort to preserve the privacy and confidentiality of your Personal Information shared with us and we do not allow any unauthorized persons or organization to use any of the Personal Information that we may collect from you through the Site. However, you understand and acknowledge that no internet site can fully eliminate security risks associated with protecting such information. Further, while we have in place appropriate and required technical and organization security measures to protect your Personal Information against accidental or intentional manipulation, loss, misuse, destruction or against unauthorised disclosure or access to the information we collect online, as required under the applicable laws, we cannot guarantee the security of any information transmitted on the Internet and use of the same by any third person. We cannot guarantee that information you transmit via our service will not be accessed, disclosed, altered or destroyed by breach of any of our safeguards. We therefore advise you to acknowledge this risk while using our services and you hereby agree to do so at your own risk.
STORAGE AND RETENTION OF PERSONAL INFORMATION
Your Personal Information will not be stored for longer than is necessary for the purposes described in this Privacy Policy, or to otherwise meet legal requirements.
OPT OUT MECHANSIM
You have the right to request that we remove your Personal Information from our databases and the right to access, update and correct inaccuracies in your Personal Information in our custody or control, subject to certain exceptions prescribed by law. If you choose not to have your Personal Information used to support our relationship (especially direct marketing or market research) or wish to withdraw your consent from processing your Personal Information/ Data or to share your Personal Information / Data with third party or to amend/update the Personal Information, please contact us at dpo@globalinsurance.co.in . However, if you do withdraw your consent, we may still be able to process some of the data that you have provided to us on other grounds and will notify you of these at such time.
COOKIES
When you access the Site, we send standard technology called “cookies” and web server logs to your computer, to collect information about how the Site is used, for record-keeping purposes and to help automatically recognize your computer the next time you access the Site. The cookies do not contain any personally identifiable information. The Company may use Cookies, and other methods, to store and retrieve data from your web browser. Cookies help us tailor the services offered by the Site to suit your needs and to enhance your online experience and to improve the design and content of the Site to suit your needs. We use this information to do internal research on our user’s demographics, interests, and behaviour to understand, protect and serve our users. Additionally, you may encounter ‘cookies’ or other similar devices on certain pages of the Site that are placed by third parties. We do not control the use of cookies by any third parties and are not liable for the same.

If you do not wish to receive cookies, please configure your Internet browser settings/options to erase all cookies from your computer's hard drive, block all cookies or to receive a warning before a cookie is stored. However, blocking Company cookies may disable certain features on our Site and may make it impossible for you to use certain services available on our Site. This may also affect your overall content experience with us.
GRIEVANCES
Should you have any grievances about the processing of your Personal Information, you may contact our Data Protection Officer vide Email: dpo@globalinsurance.co.in designated as the Data Protection Officer for this purpose.

BY USING THIS SITE, YOU SIGNIFY YOUR CONSENT TO THE TERMS OF THIS PRIVACY POLICY. THE COMPANY RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CHANGE, MODIFY, ADD OR DELETE PORTIONS OF THE TERMS OF THIS PRIVACY POLICY AT ANY TIME WITHOUT PROVIDING ANY PRIOR NOTICE TO YOU. THE REVISED POLICY WILL BE EFFECTIVE IMMEDIATELY UPON POSTING UNLESS OTHERWISE MENTIONED. THIS VERSION OF THE POLICY IS EFFECTIVE FROM 24th AUGUST 2018. YOU SHALL BE BOUND BY THE REVISED PRIVACY POLICY AND IT IS YOUR SOLE RESPONSIBILITY TO CHECK THE SAME FROM TIME TO TIME. YOU ACKNOWLEDGE THAT NO KNOWLEDGE OF THE REVISED PRIVACY POLICY SHALL NOT BE A DEFENCE IN ANY PROCEEDINGS WITH REGARD TO THE PRIVACY POLICY.

This is the official site https://gibonline.in (the “Site”) of Global Insurance Brokers Private Limited (“Company”) , a Company duly incorporated under the laws of India. In order to use this Site, you must agree to these terms of use (“Terms”) , which are legally binding terms to govern your use of this Site. Please read these Terms carefully as they affect your legal rights and obligations.

ACCEPTANCE OF TERMS OF USE
The Terms contained herein constitute a legally binding agreement between the Company and you. This site is offered to you on the prior condition that you accept the Terms contained herein, without modifications and reservations of any of the Terms as contained herein, and by accessing the site, you represent and warrant that you have read and understood, and agree to be bound by, these Terms and the Privacy Policy, without limitation or qualification, which is incorporated herein by reference and made part of these terms. Use of any functionality of the site constitutes your voluntary acceptance of these terms.
This Site may contain links to other websites, web pages and services which may have their own terms and conditions of use. We are not responsible for the contents of any such external hyperlinks, and references to any external links should not be construed as an endorsement of the links or their content. Use of such hyperlinks and third-party content contained therein and other sites is entirely at your own risk. The Company does not make any representations or warranties about any such sites you may access through the site as the Company has no control over them. Further, such other sites are not covered by the Company’s Privacy Policy and the information usage practices may be different from ours. Users should consult the privacy policies of such sites before submitting any personal information on them, as we are and shall not be responsible for and have no control over the manner in which such sites collect, use, disclose, or otherwise process your personal information.
You shall ensure that prior to any third party accessing the Site through your electronic device you shall cause such person to understand and accept the Terms contained herein. If you do not understand the Terms herein, or do not agree to be bound by these Terms, you may not use this site in any manner.
ELIGIBILITY
By using this Site, you represent and warrant that you are a resident of India, minimum 18 years old and are otherwise capable of entering into a contract under applicable laws. We will at all times assume (and by using this Site you warrant that) you have the legal capacity to enter into the agreement set out in these Terms and that the same shall will be legally enforceable against you to the maximum extent permitted by applicable law (i.e. that you are of sufficient age and have the mental capacity and are otherwise entitled to be legally bound in contract).
CHANGES OR MODIFICATION TO THE TERMS
We reserve the right, at our sole discretion, without any obligation and without any prior notice requirement and for any reason, to change, delete, add, improve or correct the Terms and to suspend and/or deny access to this Site or portions thereof for scheduled or unscheduled maintenance, upgrades, improvements, corrections or otherwise. Changes to the Terms will be effective as on the date they are posted. The Company is not bound to provide you with any updates or notice of such revisions to the Terms You should visit the Terms regularly to review the applicable Terms in order to update yourself with the same. Your continued use/access of the Site signifies your acceptance of any revisions and explicit renewal of your consent to such revisions (whether you read it or not). These Terms control the relationship between the Company and you. They do not create any third-party beneficiary rights.
SERVICES
This Site provides users with access to information primarily focusing on insurance products and services offered therein. You hereby agree that the Company may contact you either electronically or through phone, to understand your interest in the selected products and services.
LICENSE
The Company grants you the non-exclusive, non-transferable, revocable, limited right to use the Site for your personal and non-commercial use. Your license to use the Site is limited by these Terms. Unless otherwise authorized, you may not use, copy, reproduce, modify, publicly perform or display, create derivative works of, sell, auction, loan, lease, rent, distribute, transfer or disclose all or any part of the Site (including, without limitation, any screenshots, videos, documentation or manuals relating to the Site) except as provided in these Terms. All other rights are reserved with the Company.
License Restrictions: Unless otherwise authorized by these Terms or the Company in writing, you shall not:
  1. Sublicense to, transfer, network, transmit, distribute, or permit use of the Site by, any third party;
  2. Reverse engineer, decompile, or disassemble any aspect of the Site;
  3. Transmit or communicate any data that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
  4. Use the Site if you are below 18 years of age.
  5. Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;
  6. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any data transmitted to other users;
  7. Transmit, access or communicate any data that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under non-disclosure agreements);
  8. Transmit, access, or communicate any data that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
  9. Transmit or communicate any data that contains software viruses, or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  10. Interfere with or disrupt the Site or any other user’s use of the Site;
  11. Include programs which contain viruses, worms, ‘time bombs’ and/or ‘Trojan horses’ or any other computer code, files or programs designed to interrupt, harm, overload, collapse, destroy or limit the functionality of any computer software or hardware or telecommunications;
  12. Intentionally or unintentionally violate any applicable local, state, national or international law, including securities exchange and any regulations requirements, procedures or policies in force from time to time relating to the Site;
  13. Monitor traffic or make search requests in order to accumulate information about individual users;
  14. Modify, delete or damage any information contained on the personal computer of any other user;
  15. Use the Site in any way related to any illegal activity;
  16. Harm the Site including using any program or other mechanism to slow or “crash” the network;
  17. Disobey any policy or regulations established from time to time regarding use of this Site or any networks connected to this Site;
  18. Threaten the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation;
  19. Allow usage by others in such a way as to violate this Agreement
We may suspend or stop providing access to the Site to you if you fail to comply with our Terms or policies or if we are investigating suspected misconduct. Unauthorized use of the Site will lead us to take action as we believe is necessary, in our sole discretion, to safe guard the Site and the data contained therein. This license shall automatically terminate if you violate any of the restrictions stated herein and, in the Policy, and upon termination of the license, you must destroy any downloaded materials (if any) in your possession in any format whatsoever including in electronic or printed format.
HOW TO CONTACT US
Please forward any comments or complaints or questions about the Site or privacy to Data Protection Officer vide Email: dpo@globalinsurance.co.in.
ENROLLMENT / REGISTRATION
You can browse the Site without providing any personal information. However, to use some of the Services being offered by the Company and/or third-party providers on the Site, you will be required to provide certain personal information like your name, salutation, address, email address, mobile number etc. When you provide the Site with any information, the information has to be Real, accurate and complete. The Company shall assume that any information provided by you is accurate and we shall not verify the same. Utmost Care must be taken as to not impersonate anyone else or choose names that are offensive or that violate anyone’s rights. If you don’t follow these rules or if we believe the details are not correct, current, or complete, we have the unconditional right to refuse you access to or use of the Site, or any of its resources.

Users may have only one Active Account. Additionally, users are prohibited from selling, trading or otherwise transferring their accounts to another party. If you use the Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account. You agree to notify the Company immediately of any unauthorized use of your account or any other breach of security. The Company reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.
By providing such personal information, you consent to receive all information relating to the Site, the services offered by the Site and/or third-party providers, all communication and instructions for availing special offers and promotional benefits. You shall solely be responsible for the appropriate use of the same.

You authorize the Company and/or authorized third parties to retain the information shared by you for the purpose of using the Site and/or the services and for any marketing campaign of the Company and/or third-party service providers.

Providing the Company and/or third-party service providers with any information including personal information through use of the Site shall be deemed to be your consent to the Company and/or third-party service providers to communicate with you through email, SMS, phone calls, direct mail and other means of communication.

User experience may vary depending on the type of the device and the operating system that you use, and the Company accepts no responsibility for any lack of functionality due to your equipment (including your device, internet connection, operating system or settings and software).

You shall be responsible for paying all costs and expenses that you may incur while using the Site (including, but not limited to Internet data service access charges). The Site shall use cookies to monitor Site visitors and traffic and by agreeing to use the Site, you agree to use of the cookies.
ONLINE PRIVACY POLICY
Your privacy is important to us. To better to protect your privacy, we provide a Privacy Policy explaining our online information practices and the choices you can make about the way your information is collected, handled, dealt with and used at or in connection with this Site. Click here forLink to Privacy Policy to show and/or print a copy of this Privacy Policy, which forms part of these Terms. By accepting these Terms you shall also be deemed to have accepted the terms of the Privacy Policy.
INTELLECTUAL PROPERTY RIGHTS
This Site and any materials incorporated by the Company on this Site including, without limitation, any text, graphics, images, artwork, illustrations, photographs, animations, music, video, audio, audiovisual works, designs, logos, software and any other content (“Material”) are protected by copyrights, patents, trade secrets or other proprietary rights owned by or licensed to the Company, authorized third parties and/or its licensors (“Copyrights”). Some of the logos or other images incorporated by the Company on this Site are also protected as registered or unregistered trademarks, trade names and/or service marks owned by or licensed to the Company or other third parties (“Trademarks”). The Company respects the intellectual property rights of others and asks the Users of this Site to do the same. Using our services does not give you any ownership of any intellectual property rights in our services, the Material, Copyright or Trademarks.

You agree that the Material, Services, and any other content provided on the Site, either by the Company or through third party providers, may be protected by intellectual property laws of India or the applicable laws of any other jurisdiction. Your attempt to modify, copy, distribute, transmit, resell, redistribute, broadcast, display, perform, reproduce, publish, license, frame, transfer, or otherwise use in whole or in part, any intellectual property contained in the Material, services and any other content provided on the Site may subject you to infringement actions either by the Company or third party providers, as the case may be.
USE OF MATERIAL
Your right to make use of this Site and any Material or other content appearing on it is subject to your compliance with these Terms. Modification or use of the Material or any other content on this Site for any purpose not permitted by these Terms may be a violation of the Copyrights and/or Trademarks and may be prohibited by law.

Some Material and services being displayed and/or provided on the Site are not under the control of the Company. The Company does not take any responsibility of such Material and/or services, which are made available by third party providers or any other entity.

You may access and display Material and all other content displayed on this Site for non-commercial and personal use. The Material and all other content on this Site may not otherwise be copied, reproduced, framed, republished, uploaded, posted, transmitted, distributed or used in any way unless specifically authorized by the Company. Using any of our Material on any other web site or networked computer environment without the prior approval of the Company is prohibited and infringement unless the same is specifically authorized by the Company to do so. Also, to the extent permitted by applicable law, decompiling, reverse engineering, disassembling, or otherwise reducing the code used in any software on this Site into a readable form in order to examine the construction of such software and/or to copy or create other products based (in whole or in part) on such software, is prohibited.

You understand that by using the Site, you may be exposed to materials that you may consider to be offensive or objectionable. You agree that you must evaluate, and bear all risks associated with, the use or disclosure of materials found on the Site. You further acknowledge and agree that you will not rely on any content available on or through the Site or use such content as a substitute for professional advice.
DISCLAIMER OF WARRANTIES
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE SITE AND ALL THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES AND OTHER CONTENT ON THE SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE SITE, THE COMPANY AND ANY SUBSIDIARIES OR AFFILIATED COMPANIES OF THE COMPANY DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS SITE WILL BE AVAILABLE CONTINUOUSLY, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES OR OTHER CONTENT ON OR MADE AVAILABLE ON THE SITE OR ANY WEB SITES LINKED TO THE WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE COMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICE OR OTHER CONTENT IN THE SITE OR ANY OTHER WEB SITE WILL NOT INFRINGE THE RIGHTS OF OTHERS AND THE COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICE OR OTHER CONTENT ON THE SITE OR ANY OTHER WEB SITE. THE COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR (I) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURED SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (II) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (III) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY. IF APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF SOME OR ALL OF THE ABOVE IMPLIED WARRANTIES TO APPLY TO YOU, THE ABOVE EXCLUSIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.
LIMITATION OF LIABILITY
THE COMPANY DISCLAIMS ANY AND ALL LIABILITY WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, AND DOES NOT ACCEPT ANY LIABILITY FOR ANY LOSS OR DAMAGE (DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY OR OTHERWISE) RESULTING FROM ANY USE OF, OR INABILITY TO USE, THE SITE OR ANY OTHER WEB SITE, OR THE MATERIAL, INFORMATION, SOFTWARE, FORUMS AND/OR OTHER CONTENT ON THE SITE OR ANY OTHER WEB SITE, REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED.
LOCAL REGULATIONS
The Company makes no representation that the Materials or other content in the Site are appropriate or available for use outside India, its territories, possessions and protectorates. If you choose to access the Site from other locations you do so at your own initiative and at your own risk. You are responsible for complying with local laws, if and to the extent local laws are applicable. You specifically agree to comply with all applicable laws concerning the transmission of technical data exported from India or the country you reside in.
INDEMNITY
You hereby indemnify, defend and hold harmless the Company and all persons claiming under the Company (“Indemnified Persons”) from and against any and all losses, claims, demands, liabilities, damages, costs or expenses, including reasonable legal fees and expert witness fees, resulting from your breach of any of the provisions mentioned in this Terms, representations or warranties, and/or infringement by you of Materials, Copyrights and/or Trademarks, including any claims against you alleging misuse or unauthorized usage of the information, data and content available on and/or from your use of the Site itself.
THIRD-PARTY WEBSITES AND SERVICES
The Site may contain features and functionalities that may link you or provide you access to third party content and web domains, which is completely independent of the Company. We have included links to these third-party services to provide you with access to information and services that you may find useful or interesting. We have not, reviewed, evaluated or approved these websites or content of these third-party providers and do not guarantee the authenticity of the same and/or as to whether that they will be continuously available and we shall not be liable for any loss occurred /incurred by you on your using the same.

The Site may allow you to download, install, access or use software, products or services provided by third party providers. These websites may contain information or material that some people may find inappropriate or offensive. These other websites are not under the control of the Company, and you acknowledge that (whether or not such sites are affiliated in any way with the Company) the Company is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such third-party services. The Company does not guarantee, approve or endorse the information or products available at these websites, nor does the inclusion of such an advertisement or link imply endorsement of any site by the Company or any association with its operators.

The Company cannot ensure that you will be satisfied with any products or services that you purchase from any third-party providers that links to or from the Site since certain stalls, channels and online shops are owned and operated by such independent third parties. The Company does not endorse any of the merchandise or content on its Site, nor has the Company taken any steps to confirm the accuracy or reliability of any of the information contained in such third-party providers. The Company does not make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you might be requested to give any third party, and you irrevocably waive any claim against us with respect to such websites. We strongly encourage you to make whatever investigation you feel necessary or appropriate before proceeding with any online transaction with any of these third-party providers.

You acknowledge and agree that the Company is not responsible for any content, websites, software, products or services with respect to the third party services and that you acknowledge and agree that your access or use of the third party services may cause information to be shared among your system and such third party service who are not governed by these Terms or Privacy Policy, and that your rights with respect to privacy in such circumstances will be governed solely by the terms of use or privacy policies, if any, for such third party service.

In the event you propose to enter into any transaction with third party providers with respect to the services being provided by third party providers, the Company will direct you to such third-party provider website and/or a third-party website authorized by third party providers. You are required to adhere to the terms of use, payment terms, privacy policy and any other policy of such third-party providers. In the event your activity is interrupted due to faulty internet connection, or other electronic or wireless device, slowdowns or capacity limitations in the electronic/mobile device, or the web domain of the website to which you are re-directed to enable the payment gateway, the Company is not and shall not be responsible for any loss, damage or liability incurred by you including but not limited to incorrect amount charged to your account/debited, password invalidated, non-acceptance of payment method, amount charged or debited more than once, etc.

Further the Company shall not be a party to any dispute which may arise between you and third-party providers and/or between any third parties not being the Company. In the event of such a dispute arising, you hereby release Company, its officers, employees, agents and successors in rights from claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any manner related to such disputes and/or our services.
Site Security
You are prohibited from violating or attempting to violate the security of the Site, including, without limitation, (a) accessing data not intended for you or logging onto a server or an account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (c) attempting to interfere with service to any other user, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, "flooding," "spamming," "mail bombing" or "crashing;" (d) sending unsolicited email, including promotions and/or advertising of products or services; or (e) forging any TCP/IP packet header or any part of the header information in any email or newsgroup posting; or (f) use or transmit through the Site any unlawful, libelous, threatening, obscene or otherwise objectionable material of any kind or nature or (g) hyperlinking the Site to any other site. Violations of system or network security may result in civil or criminal liability as per applicable law. The Company will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Site or any activity being conducted on this Site. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Site other than the search engine and search agents available from the Company on this Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).
FRAUDULENT TRANSACTIONS
The Company reserve the right to recover the costs and lawyers’ fees from persons using the Site fraudulently. The Company also reserves the right to initiate legal proceedings against such persons for fraudulent use of the Site.
JURISDICTION
These Terms shall be governed by, construed and enforced in accordance with the laws of India. You hereby consent and submit to the exclusive jurisdiction of the courts of Mumbai, India for any action however so arising out of these Terms.

If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the matters contained herein.

Global Insurance Brokers Private Limited uses reasonable care to make sure that the information appearing on this Website is accurate and up-to-date. However, errors and omissions do occur, and the user should not take the accuracy of the information for granted but should check directly with Global Insurance Brokers Private Limited. None of the material contained in this Website is to be relied upon as a statement or representation of fact.
Global Insurance Brokers Private Limited shall not be liable for any loss of profits or contracts or any direct, indirect or consequential loss, business interruption or loss of data or programs arising out of or in connection with the use of the information either contained within this site or from any of its Hyper link connections, other than death or personal injury to the extent that this is caused by the negligence of Global Insurance Brokers Private Limited. Global Insurance Brokers Private Limited may also make improvements and/or changes to the content of this information at any time without notice. All services, product and product price specifications contained within, Global Insurance Brokers Private Limited website are subject to change without notice.

INFORMATION PROVIDED ON THE https://gibonline.in WEBSITE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, AS SUCH EXCLUSIONS OF IMPLIED WARRANTIES SHALL APPLY PURSUANT TO APPLICABLE LAWS AND REGULATIONS.

Links to Third Party Sites
Global Insurance Brokers Private Limited cannot and has not reviewed all pages of the websites linked to this Site and therefore cannot be liable for their content. Users link to other websites at their own risk and use such sites according to the terms and conditions of use of such sites. Global Insurance Brokers Private Limited provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by Global Insurance Brokers Private Limited or the website.
Copyright
No part of this Website may be copied or imitated in whole or in part. No logo, graphic, sound or image from this Website may be copied or re-transmitted unless expressly permitted in writing by Global Insurance Brokers Private Limited. (These prohibitions are without limitation to the legal rights of Global Insurance Brokers Private Limited). Any information provided to Global Insurance Brokers Private Limited in connection with its Website shall be provided by the submitter and received by Global Insurance Brokers Private Limited on a non-confidential basis. Global Insurance Brokers Private Limited shall be free to use such information on an unrestricted basis. In particular, we may transfer information between our subsidiary companies in different countries both inside and outside the European Economic Area.
Trademarks
The trademarks and logos (the Trademarks) used and displayed on this Site are registered and unregistered trademarks of Global Insurance Brokers Private Limited and others. They may not be used in any advertising or other publicity materials in relation to the distribution of any information or materials obtained from this Website without the prior written consent of the Trademark owner. These prohibitions are without limitation to the legal rights Global Insurance Brokers Private Limited. Governing Law - Any dispute or claim concerning or arising from this Website shall be determined in accordance with the law of India, and the courts of India shall have exclusive jurisdiction in determining such disputes or claims.