AIB Employee Benefits | Log In - Alliance Insurance Brokers Pvt. Ltd.

OVERVIEW

This website is operated by Alliance Insurance Brokers Pvt. Ltd. Throughout the site, the terms “we”, “us” and “our” refer to Alliance Insurance Brokers Pvt. Ltd. Alliance Insurance Brokers Pvt. Ltd. offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

SECTION 1 - ONLINE STORE TERMS

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site. You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of your Services.

SECTION 2 - GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time. You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

SECTION 3 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

SECTION 4 - MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

SECTION 5 - PRODUCTS OR SERVICES

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.

We have made every effort to display as accurately as possible the colors and images of our products that appear at the store. We cannot guarantee that your computer monitor's display of any color will be accurate.

We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.

We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

SECTION 6 - ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.For more detail, please review our Returns Policy.

SECTION 7 - OPTIONAL TOOLS

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

SECTION 8 - THIRD-PARTY LINKS

Certain content, products and services available via our Service may include materials from third-parties.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

SECTION 9 - USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service. You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

SECTION 10 - PERSONAL INFORMATION

Your submission of personal information through the store is governed by our Privacy Policy.

SECTION 11 - ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

SECTION 12 - PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall Alliance Insurance Brokers Pvt. Ltd., our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 14 - INDEMNIFICATION

You agree to indemnify, defend and hold harmless Alliance Insurance Brokers Pvt. Ltd. and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SECTION 15 - SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 16 - TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

SECTION 17 - ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

SECTION 18 - GOVERNING LAW

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of India and jurisdiction of Mumbai, Pune-India

SECTION 19 - CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Service at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 20 - CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at enrollment.alliance@allianceinsurance.in.

Modifications and refunds

Once an online booking is made on the Website, you will not be able to make any modifications to it but can only cancel it only through the Website. Refunds through credit/debit cards will be only in accordance with credit/debit card refund procedures. Please refer to our Refund Policy (as provided hereinafter) for more information.

Mode of payment

Payments are accepted by means of Net Banking, Credit Card or Debit Card.
Credit Card: Payment for online booking is accepted by Credit Card (MasterCard and VISA only). We accept all major Credit Cards.
Debit Card: Payment of online booking is also accepted by Debit Card (MasterCard and VISA only).

Exclusions to online payment facility

Alliance Insurance Brokers Pvt. Ltd. may from time to time contract with third party payment service providers including banks to open nodal bank account under applicable Indian laws, to facilitate the payment by Users to the channel partners, third party service providers and or suppliers and other charges, if applicable. These third party payment service providers may include third party banking or credit card payment gateways, payment aggregators, mobile payment service providers or through any facility as may be authorized by the Reserve Bank of India for collection, refund and remittance, as the case may be of payment or supporting the same in any manner. Alliance Insurance Brokers Pvt. Ltd. shall not in any way be liable for any delay, disruption or defects in the services offered by these third party payment service providers or such payment facility facilities.

You acknowledge that you assume all the risks involved in using our online payment facility and we shall not be in any way liable for any damage, loss, expense or detriment caused (directly or indirectly) by a defect in the online payment facility purported to have been caused or caused by reason of your use of such online payment facility or for whatsoever reason. We shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction or on Account of the Cardholder having exceeded the pre-set limit mutually agreed by us with our acquiring bank from time to time.

Cancellation & refund policy

Cancellation of the health check appointment once payment is made should be done by raising a request from our website by giving the Appointment ID and refund in such case will be made to the payee after deducting 3% of the transaction amount not exceeding Rs. 300/- (Rupees three hundred only). Please note that the refund process may take 10 working days from the date of appointment cancellation

Cancellation of Pharmacy Order shall l not be accepted once you confirm the order on call. Pharmacy orders are not eligible for exchange. A maximum of three (3) re-schedule requests shall be permitted for Pharmacy order within a span of 10 days reckoned from the date of booking of the order on the Website.

Credit card authentication

Effective 1 August 2009, Reserve Bank of India has made it mandatory for all banks to implement additional verification and validation procedures in all cases of "card not present transactions". All card holders have to register with their card issuing banks and create a Verified By Visa or MasterCard secure code password which has to be entered whilst making online payment.

Security

Website will take all reasonable measures to ensure that information you transmit to Website, will remain confidential and protected from unauthorized access but Website does not warrant against unauthorized access and will not be liable for any unauthorized access by any means to that information.

Your Credit Card details are transmitted directly to the payment gateway provider and Website does not see any of its information at any time.

Taxes

You are responsible for paying all fees associated with the use of the Website and you agree to bear any and all applicable taxes, charges, cesses etc. levied thereon.

Restrictions on use

As mandated by Regulation 3(2) of the (Indian) Information Technology (Intermediaries Guidelines) Rules, 2011, Alliance Insurance Brokers Pvt. Ltd. hereby informs Users that they are not permitted to host, display, upload, modify, publish, transmit, update or share any information that:

Belongs to another person and to which the User does not have any right to;
Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
Harm minors in any way;
Infringes any patent, trademark, copyright or other proprietary rights;
Violates any law for the time being in force;
Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
Impersonate another person;
Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
Threatens the unity, integrity, defence, 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.

You shall not use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Website or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Website or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Website. We reserve our right to bar any such activity.

You shall not attempt to gain unauthorized access to any portion or feature of the Website, or any other systems or networks connected to the Website or to any server, computer, network, or to any of the services offered on or through the Website, by hacking, password "mining" or any other illegitimate means.

You shall not probe, scan or test the vulnerability of the Website or any network connected to the Website nor breach the security or authentication measures on the Website or any network connected to the Website. You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to Website, or any other customer, including any account on the Website not owned by You, to its source, or exploit the Website or any service or information made available or offered by or through the Website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Website.

You shall not make any negative, denigrating or defamatory statement(s) or comment(s) about Us or the brand name or domain name used by Us including the terms Alliance Insurance Brokers Pvt. Ltd. or otherwise engage in any conduct or action that might tarnish the image or reputation, of Alliance Insurance Brokers Pvt. Ltd. or sellers on platform or otherwise tarnish or dilute any Alliance Insurance Brokers Pvt. Ltd.'s trade or service marks, trade name and/or goodwill associated with such trade or service marks, trade name as may be owned or used by us. You agree that You will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Website or Alliance Insurance Brokers Pvt. Ltd.'s systems or networks, or any systems or networks connected to Alliance Insurance Brokers Pvt. Ltd.

You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on the Website, or with any other person's use of the Website.

You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal You send to Us on or through the Website or any service offered on or through the Website. You may not pretend that You are, or that You represent, someone else, or impersonate any other individual or entity.

Trademark, copyright and restriction

This site is controlled and operated by Alliance Insurance Brokers Pvt. Ltd. and the services and products are sold by respective third party service providers, suppliers and channel partners. All material on this site, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights. Material on Website is solely for your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and you must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other website or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited. Any use for which you receive any remuneration, whether in money or otherwise, is a commercial use for the purposes of this clause.

Intellectual property rights

It is hereby specifically recorded that the copyright and other Intellectual Property in the products and services available on the Website is the sole and exclusive property of third parties. Intellectual Property Rights for the purpose of this Terms of Use shall always mean and include copyrights whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights.. The Parties hereto agree and confirm that no part of any Intellectual Property rights mentioned hereinabove is transferred in the name of User and any intellectual property rights arising as a result of these presents shall also be in the absolute ownership, possession and our control or control of its licensors, as the case may be.

Breach

Without limiting other rights and remedies, Alliance Insurance Brokers Pvt. Ltd. may limit your activity, immediately remove your information or your purchases or end your listing, warn other users of your actions, immediately temporarily/indefinitely suspend or terminate or block your membership, and/or refuse to provide you with access to the Website in the event, but not limited to:

If you breach the User Agreement or any terms or policies of the Website.
If your actions may cause legal liability for you, other users or Alliance Insurance Brokers Pvt. Ltd.

Alliance Insurance Brokers Pvt. Ltd. may at any time at its sole discretion reinstate suspended users. Alliance Insurance Brokers Pvt. Ltd. reserves the right to take strict legal action including but not limited to a referral to the appropriate police or other authorities for initiating criminal or other proceedings against you.

No warranty and disclaimers

Alliance Insurance Brokers Pvt. Ltd. and its affiliates, third party service providers, third party channel partners provide the Website and services on "as is" basis and without any warranty or condition, express, implied or statutory and specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. You expressly agree that your use of the Website is at your risk. Alliance Insurance Brokers Pvt. Ltd., its associates, affiliates and service providers and technology partners make no representations or Warranties about the accuracy, reliability, completeness, and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Website or that the operation of the Website will be error free and/or uninterrupted.

Indemnity

You shall fully indemnify, keep indemnified, defend and hold harmless Alliance Insurance Brokers Pvt. Ltd. and Alliance Insurance Brokers Pvt. Ltd.’s shareholders, subsidiaries, affiliates, third-parties and their respective shareholders, officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of your breach of the User Agreement or any rules and policies contained herein, or your violation of any law, rules or regulations or the rights of a third party.

Limitation of liability

The Website is solely an online Cashless Outpatient Services Network where various channel partners offer their services. Alliance Insurance Brokers Pvt. Ltd. in no manner is to be construed as the service provider, supplier or the like. You hereby release Alliance Insurance Brokers Pvt. Ltd., your employer (if applicable) from all liability (of whatsoever nature) arising from your availing of any of the services and / or products on offer on the Website. The channel partners, third party service providers, suppliers are wholly liable to ensure delivery & quality of the services and / or products on offer on the Website.

In no event shall Alliance Insurance Brokers Pvt. Ltd. or its affiliates or your employer (if applicable) or service providers be liable to the User for any indirect, incidental, special, incidental, consequential, punitive or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses arising out of or in connection with the Website, its services or this agreement (however arising, including negligence or under torts or under public policy). Alliance Insurance Brokers Pvt. Ltd. or your employer (if applicable) shall in no manner whatsoever be liable to the User for any damages, losses, and causes of action (whether in contract or tort, including, but not limited to, negligence or otherwise) arising from User’s use of the Website or the Services.

General

None of the provisions of the User Agreement shall be deemed to constitute a partnership or agency between you and Alliance Insurance Brokers Pvt. Ltd. and you shall have no authority to bind Alliance Insurance Brokers Pvt. Ltd. in any manner whatsoever nor shall Alliance Insurance Brokers Pvt. Ltd. have any authority to bind you in any manner whatsoever. All the services provided by the Alliance Insurance Brokers Pvt. Ltd. shall be as independent contractor and on principal to principal basis.

If any clause of the User Agreement shall be deemed invalid, void or for any reason unenforceable, such clause shall be deemed severable and shall not affect the validity and enforceability of the remaining clauses of the User Agreement. This Agreement sets forth the entire understanding and agreement between you and Alliance Insurance Brokers Pvt. Ltd. with respect to the subject matter hereof.

In Alliance Insurance Brokers Pvt. Ltd.'s sole discretion, Alliance Insurance Brokers Pvt. Ltd. may transfer its rights and obligations under this Agreement, assign this Agreement or novate this Agreement without your prior express consent. However, Alliance Insurance Brokers Pvt. Ltd. on reasonable efforts basis and if practicable may provide you with an advance intimation of any such acts.

Grievance officer:

In accordance with Information Technology Act 2000 and rules made there under, the Grievance Officer for the purpose of your personal sensitive information as governed by the Website’s Privacy Policy is:

Grievance Officer:

Trupti Bhatkar

Alliance Insurance Brokers Pvt. Ltd.
8th Floor, Gold Crest,
10th Road, Juhu, Vile Parle (W),
Mumbai 400 049

Other complaints

In the event you have any complaints or concerns with respect to the website or our services, please contact us at enrollment.alliance@allianceinsurance.in

Governing law

This User Agreement and all the rules and policies contained herein and any of Your usage of Website and Your dealings with Alliance Insurance Brokers Pvt. Ltd. shall be governed and construed in accordance with the laws of India.

Arbitration

If any dispute arises between you and Alliance Insurance Brokers Pvt. Ltd. during your use of the Website or your dealing in relation to any activity on the Website, in connection with the validity, interpretation, implementation or alleged breach of any provision of the User Agreement and all the rules and policies contained herein, the dispute shall be referred to a sole arbitrator who shall be an independent and neutral third party identified by Alliance Insurance Brokers Pvt. Ltd. The Arbitration & Conciliation Act, 1996, shall govern the arbitration proceedings. The arbitration proceedings shall be in the English language. The place of arbitration shall be Pune.

Privacy policy of Alliance Insurance Brokers Private Limited

Your privacy is important to us. Maintaining your trust and confidence is one of our highest priorities. We ensure secure transactions and strive to take reasonable care in the protection of information we receive during the course of us rendering services.

As used in this Privacy Policy, terms such as "we" or "our" or "us" or "Company" refer to Alliance Insurance Brokers Private Limited and its current and future affiliate entities.

The purpose of this Privacy Policy ("Privacy Policy" / "Policy"), as amended from time to time, is to give you an understanding on how we intend to collect, store, transfer, disclose, process and use the information you provide to us.

This Privacy Policy may be subject to further changes including as may be warranted by change in law. Upon updating the Policy, we may revise the "Updated" date at the bottom of this Policy. We therefore request you to go through our Privacy Policy frequently to be updated with changes incorporated from time to time. Your continued engagement with us will imply your acceptance of such updates to this Policy.

If you do not agree to the terms of this Privacy Policy, please do not (i) access or use our website, (ii) avail of services from us, and do not disclose your information to us.

By providing us your and/or your family members and/or your dependents information, you hereby consent to the collection, storage, disclosure, processing and transfer of such information for the purposes as disclosed in this Policy. You are providing the information out of your free will. You have the option not to provide the data or Personal Information or Sensitive Personal Data or Information sought to be collected if you do not agree with this Policy.

1. Collection of Information and Usage:

We may collect certain Personal Information, Sensitive Personal Data or Information from you and/or your family members and/or your dependents while using our website or directly from the concerned insurer and your employer, if applicable. Personal Information means any information that relates to you and/or your family members and/or your dependents and may include date of birth, employee code, email address, residential address, mobile number, alternate telephone number, etc. Further, you would be required to give us certain Sensitive Personal Data or Information about you and/or your family members and/or your dependents, Sensitive Personal Data or Information shall mean such personal information which consists of information relating to;-
- 1. financial information such as bank account or any other payment instrument details;
- 2. physical, physiological and mental health condition;
- 3. medical records and history;
- 4. any detail relating to the above clauses as provided to body corporate for providing service;
- 5. 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 Data or Information. We inform you that our website may collect certain Personal Information and/or Sensitive Personal Data or Information about you and/or your family members and/or your dependents such as medical and health records including but not limited to your prescription, test reports, past medical history, etc. We understand that the Personal Information and/or Sensitive Personal Data or Information is extremely private to you and/or your family members and/or your dependents and assure you that it will be used only for providing required healthcare services as mutually agreed to be rendered by us. While using our website and for availing any of our services you would be required to give us your and/or your family members and/or your dependents Personal Information and/or Sensitive Personal Data or Information.This could be done post login on our website using the credentials given by us, which will be shared with you by email, which is unique to you and you will be required to change the password at the time of first login.
2. Access:
You may be given the privilege to upload and store your and/or your family members and/or your dependents medical and health records on our website to which only you shall have access to by using your unique username. This will help you have access to all your and/or your family members and/or your dependents medical and health records. We would like to reiterate that barring you, no one shall have access to these records except to the parties as mentioned in the Clause 5 of this Privacy Policy and the same shall be transmitted by us in encrypted form to avoid being hacked and decoded.
3. Fitness module access :
If user select fitness module in AIB app then we request user for Google permanent and if user allow the permission our app. Then we sync the data from user account that are sleep time, steps, heart rate blood pressure details and by this details we perform calculation then show aktivo score to user so, this details we are using to display data properly using on graph and other important parameters that help user to know his fitness track record properly. The Aktivo Score®, a single score will be able to tell you the combined effect of your daily physical activities. More than just a step calculator or a calorie counter, the Aktivo Score® gives you a single measure of how well you are doing. The combined effect of physical activity and sleep has a direct influence on your health. Aktivo makes this profound relationship simple and easy to understand with a single score. What's more, it is contextualised to your age and gender to give you a personalised measure just for you. Deeply rooted in science, Aktivo is your daily companion in making the right lifestyle choices for both your physical and emotional well-being. And it's all in your pocket. You can connect with your wearable or just your smartphone to start! This Privacy Policy sets out the basis upon which any personal data that is collected from you by us will be processed. Aktivolabs Pte. Ltd. is the controller responsible for the Mobile Application partner with AIB Employee benefits company.
4. Purpose for which Personal Information and/or Sensitive Personal Data or Information is collected and processed
We would like to state that we collect Personal Information and/or Sensitive Personal Data or Information that is absolutely necessary and relevant for us to make your experience hassle-free, convenient, smooth and most importantly, safe. This will also help us in providing you with customized services, assist you with all your queries, resolve the issues faced by you, to follow up with you in order to ensure a long, sustained relationship and most importantly to safeguard you from any kind of fraudulent and unlawful usage. Personal Information and/or Sensitive Personal Data or Information may be collected by us directly from you for the purpose of processing your medical claims (both, cashless and/or reimbursement) and/or extending cashless facility to you and/or your family members and/or your dependents. For the purpose of extending cashless facility and to ensure your stay at and discharge from the network provider / hospital is seamless, we, through our hospital portal viz.MyBenefits, require certain Personal Information and/or Sensitive Personal Data or Information about you and/or your family members and/or your dependents to be provided to us by our network provider(s). This Personal Information and/or Sensitive Personal Data or Information shall be collected by us from the concerned network provider(s) through our hospital portal viz. MyBenefits. Further, for the purpose of processing a reimbursement medical claim, we collect certain Personal Information and/or Sensitive Personal Data or Information about you and/or your family members and/or your dependents including but not limited to physical originals / photocopies of medical and health reports, discharge summaries, invoices etc. as issued by network provider(s) or non-network provider(s) to you and/or your family members and/or your dependents and as submitted to our designated offices by you. We use data collection methods / mechanisms such as "Cookies" on certain pages of the website to help analyse our web page flow and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of "Cookies". We also use "Cookies" to allow you to enter your password less frequently during a session. Most "Cookies" are "Session Cookies", meaning that they are automatically deleted from your hard drive at the end of a session. You are free to decline our "Cookies" if your browser permits you to do so although we recommend strongly that you allow them to ensure you have access to all of our services.
5. Data Storage:
All your Personal Information and/or Sensitive Personal Data or Information is hosted and/or processed by us at the Company’s data centers located at our registered office situated at Bangalore, India or at such location(s) in India as the Company may so desire to store. Your and/or your family members and/or your dependents’ Personal Information and/or Sensitive Personal Data or Information is retained by us only for the purpose of providing the required services or for historical or statistical or legal purposes and such retention shall be for a period as required under applicable law.
6. Transfer / Sharing of Information:
We respect your privacy and hereby declare we do not transfer and / or disclose your and/or your family members and/or your dependents’ Personal Information and/or Sensitive Personal Data or Information except as under:
- To law enforcement agencies in connection with an investigation having the interest of general public at large, after having been approved by the due process of law;
- To our associates and affiliates to help detect and prevent fraud, identity theft and other illegal activities, correlate related or multiple accounts to prevent abuse of our services; and to facilitate joint or co-branded services that you request where such services are provided by more than one corporate entity;
- To our full time employees and associates on a need to know basis for the purpose of enabling the Company to provide the necessary services to you;
- We shall also share such information with our associates or affiliates should the Company decide to undergo restructuring in anyway or is acquired by any other entity and ensure that in such an event the other entity continues to follow this policy strictly;
- With the concerned insurer;
- With your employer, if applicable, and on receipt of a formal request from your employer and upon receipt of necessary approval(s).
7. Advertisements and links to third-party websites:
Our website may contain certain advertisements and links to third-party websites. We would like to clarify that we do not control or guarantee the accuracy, safety and integrity of the Personal Information and/or Sensitive Personal Data or Information you provide, if you choose to, share your information with these advertisers and third-party websites. It is, therefore, advised that you go through their terms and conditions and privacy policy before providing any Personal Information and/or Sensitive Personal Data or Information about yourself and/or your family members and/or your dependents on these websites.
8. Safety Precautions:
We have stringent, strong, security measures undertaken to ensure against the loss, misuse or alteration of Personal Information and/or Sensitive Personal Data or Information about you and/or your family members and/or your dependents with us. We shall take all necessary precautions to safeguard your information and protect it from any unauthorized use. We have SSL Certificate issued by trusted certification authority and other safety measures in place to guard your information with us against any theft or unlawful usage or modification thereof. You are advised, however, that internet technology is not 100% safe and you should exercise discretion on using the same. Consent: By using our website and providing your and/or your family members and/or your dependents’ Personal Information and/or Sensitive Personal Data or Information, you hereby consent to the collection, storage, disclosure, transfer, processing and usage of your and/or your family members and/or your dependents’ Personal Information and/or Sensitive Personal Data or Information by us as per the terms of this Privacy Policy. Kindly frequent this section to keep yourself updated of any changes made by us in the Privacy Policy. You hereby confirm to the Company that you have taken necessary consent from your family members and/or your dependents for submission of their Personal Information and/or Sensitive Personal Data or Information with us. Right to opt out: The Company respects your privacy considerations and hence provides an option to you, to not provide the Personal Information and/or Sensitive Personal Data or Information sought to be collected. Further, you can also withdraw your consent which was earlier given to the Company, and the same must be communicated to the Company in writing. However, we inform you that on your electing to opt out (as envisaged in this section) or on withdrawal of your consent, the Company may not be in a position to provide you necessary services / benefits for which the Personal Information and/or Sensitive Personal Data or Information was sought to be collected. Further, you will have the option to not provide your consent, or withdraw any consent given earlier, provided that the decision to not provide consent / withdrawal of the consent is communicated to us at enrollment.alliance@allianceinsurance.in
9. Grievance Officer:
The name and contact details of the Grievance Officer is provided hereunder to address all your queries and grievances in accordance with the Information Technology Act, 2000, and Rules made thereunder.
Grievance Officer:

Trupti Bhatkar

enrollment.alliance@allianceinsurance.in

Address:
8th Floor, Gold Crest,
10th Road, Juhu, Vile Parle (W),
Mumbai 400 049
If you have any reason to believe that we or any company associated with us has misused any of your and/or your family members and/or your dependents Personal Information and/or Sensitive Personal Data or Information please contact us immediately and report such misuse. We can address any questions, comments and concerns about our online privacy practices and policy. Please write to our Grievance Officer at the above mentioned email address.
10. Governing rules and law:
If you choose to visit our website, your visit and any dispute over privacy is subject to this Privacy Policy and the website's terms of use. In addition to the foregoing, any disputes arising under this Privacy Policy shall be governed by the laws of India. This Privacy Policy is compliant with the provisions of The Information Technology Act, 2000 and Rules made thereunder including any modifications or amendments made thereto. The Company may made necessary changes to this Privacy Policy consequent upon any changes or modification in the law. It is hence imperative that you frequently read this Privacy Policy to keep yourself updated of any changes made by us.

The information contained in this website is for general information purposes only. The information is provided by Alliance Insurance Brokers Pvt. Ltd. and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of Alliance Insurance Brokers Pvt. Ltd. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Every effort is made to keep the website up and running smoothly. However, Alliance Insurance Brokers Pvt. Ltd. takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Welcome To AIB Employee Benefits

Forgot Password ?

Terms Of Use

OVERVIEW

SECTION 1 - ONLINE STORE TERMS

SECTION 2 - GENERAL CONDITIONS

SECTION 3 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

SECTION 4 - MODIFICATIONS TO THE SERVICE AND PRICES

SECTION 5 - PRODUCTS OR SERVICES

SECTION 6 - ACCURACY OF BILLING AND ACCOUNT INFORMATION

SECTION 7 - OPTIONAL TOOLS

SECTION 8 - THIRD-PARTY LINKS

SECTION 9 - USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

SECTION 10 - PERSONAL INFORMATION

SECTION 11 - ERRORS, INACCURACIES AND OMISSIONS

SECTION 12 - PROHIBITED USES

SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

SECTION 14 - INDEMNIFICATION

SECTION 15 - SEVERABILITY

SECTION 16 - TERMINATION

SECTION 17 - ENTIRE AGREEMENT

SECTION 18 - GOVERNING LAW

SECTION 19 - CHANGES TO TERMS OF SERVICE

SECTION 20 - CONTACT INFORMATION

Refund Policy

Modifications and refunds

Mode of payment

Exclusions to online payment facility

Cancellation & refund policy

Credit card authentication

Security

Taxes

Restrictions on use

Trademark, copyright and restriction

Intellectual property rights

Breach

No warranty and disclaimers

Indemnity

Limitation of liability

General

Grievance officer:

Grievance Officer:

Trupti Bhatkar

Other complaints

Governing law

Arbitration

Privacy Policy

Privacy policy of Alliance Insurance Brokers Private Limited

1. Collection of Information and Usage:

2. Access:

3. Fitness module access :

4. Purpose for which Personal Information and/or Sensitive Personal Data or Information is collected and processed

5. Data Storage:

6. Transfer / Sharing of Information:

7. Advertisements and links to third-party websites:

8. Safety Precautions:

9. Grievance Officer:

Grievance Officer:

Trupti Bhatkar

10. Governing rules and law:

Disclaimer