ICICI LOMBARD GENERAL
INSURANCE COMPANY LIMITED (ICICI LOMBARD)Registered Office: ICICI Bank
Towers, Bandra Kurla Complex, Mumbai - 400051
Reg No.11-129408 Date of Incorporation October 30th 2000 Registered with
IRDA as General Insurance Company Regn. No. 115.
TERMS AND CONDITIONS GOVERNING THE USE OF ICICI LOMBARD'S WEB SITE BY
VISITORS, CUSTOMERS AND REGISTERED USERS (AS DEFINED HEREIN).
Copyright (c) ICICI Lombard General Insurance Company Limited. All rights
In this document the following words and phrases have the meanings set
opposite them unless the context indicates otherwise: Affiliate of ICICI
Lombard shall mean and include:
a. ICICI Bank Limited; or
b. any company which is the holding or subsidiary company of ICICI Bank
c. a person under the control of or under common control with ICICI Bank
d. any person, in which ICICI Lombard has a direct or beneficial interest
or control in 26% or more of the voting securities of such person.
For the purpose of this definition of Affiliate, "control"
together with grammatical variations when used with respect to any Person,
means the power to direct the management and policies of such Person,
directly or indirectly, whether through the ownership of the vote carrying
securities, by contract or otherwise howsoever; and "Person"
means a company, corporation, a partnership, trust or any other entity
or organisation or other body whatsoever.
Advisor means a general insurance agent for ICICI Lombard
who has passed the regulatory requirements for being an Advisor as prescribed
by the Insurance Regulatory and Development Authority
Bank Account refers to the Customer's account with ICICI
Bank/or any other bank acceptable to the Company ("Approved Bank"),
which may either be a current account, savings account, fixed deposit,
term deposit or any other account facilities that ICICI Bank/ Approved
Bank may offer from time to time.
Call Center means the call center set up by ICICI Lombard
to assist Customers of ICICI Lombard with respect to various transactions
and to furnish information etc.
Customer means a Policyholder accessing the Web Site
for obtaining information on ICICI Lombard's general insurance products,
including access to all facilities that are or may be provided / offered
to the Visitors, Customers and Registered Users from time to time on the
Customer Password means the password or other means
of authentication as ICICI Lombard may specify from time to time provided
to/required to be provided to the Customer, and using which the Customer
may authorise transactions which shall include but shall not be limited
to downloadable request for proposal and claim forms for various general
insurance products that are offered by ICICI Lombard, etc. ICICI Lombard
may decide to permit other transactions or to discontinue existing transactions
from time to time, further details of which shall be provided on the Web
ICICI Bank means ICICI Bank Limited, a company incorporated
under the Companies Act, 1956 and having its registered office at Landmark,
Race Course Circle, Vadodara 390 007.The term shall include the successors
and assigns of ICICI Bank.
ICICI Lombard / We means ICICI Lombard General Insurance
Company Limited, a company incorporated under the Companies Act, 1956
and licensed under and in terms of the Insurance Act, 1938 and the Insurance
Regulatory and Development Authority Act, 1999 to carry out the business
of general insurance and having its registered office at ICICI Bank Towers,
Bandra Kurla Complex, Mumbai 400 051. The term shall include the successors
and/or assigns of ICICI Lombard.
Policy means the various general insurance policies
that ICICI Lombard may introduce from time to time.
PolicyHolder means a person who purchases a Policy from
Terms or Terms and Conditions means the terms and conditions
for use of the Web Site, as specified herein, by Visitors and Customers.
Transaction Password means the password, or other means
of authentication as ICICI Lombard may specify from time to time, that
is provided by ICICI Lombard to the Customer upon provision of which,
the Customer would be able to authorise transactions specified by ICICI
Lombard from time to time, further details of which shall be provided
on the Web Site.
Visitor means any person having access to the Web Site
for general information about ICICI Lombard and its products and other
facilities offered from time to time on the Web Site.
Web Site means the portal located at the URL www.icicilombard.com
You/Your means the Visitor or Customer, as may be applicable.
In this document, all references to the Visitor or Customer in masculine
gender shall be deemed to include the feminine gender and singular includes
plural and vice versa and the word "includes" should to be construed
as "without limitation".
2. Applicability of Terms
These Terms and Conditions, in so far as they refer to the Visitor and
Customer, form the contract and agreement between such Visitor/Customer
and ICICI Lombard unconditionally.
3. Right To Alter The Services
ICICI Lombard reserves the right to add, amend, revise suspend or cancel
in whole or in part any of the services which are, or may become, part
of the Web Site, without any prior notice to the Visitors or Customers.
Any addition, suspension, revision, amendment, cancellation or suspension
shall be effective and binding on the Visitors and Customers. ICICI Lombard
may introduce new services in relation to the Web Site from time to time.
The existence and availability of the new services will be notified on
the Web Site as and when they become available and any revisions in the
Terms and Conditions will take place in accordance with these Terms and
B. TERMS OF USAGE OF THE SITE WITH REFERENCE TO THE VISITORS
4. Acceptance of the Terms
By accessing the Web Site, the Visitor acknowledges and accepts these
Terms and Conditions.
5. Consulting Services
The availability of the information and guidance as part the Web Site
does not constitute a recommendation by ICICI Lombard, to buy any policies
etc. discussed therein by ICICI Lombard or any of their personnel. Any
decisions will be based solely on the Visitor's own evaluation of the
policies / products of ICICI Lombard, and his/her need for the same.While
adequate care would be taken to ensure completeness, accuracy etc of the
information/services provided, neither ICICI Lombard nor any of their
personnel shall in any circumstance be liable for any loss or damage caused
by a Visitor's reliance on information obtained through the Web Site.
It is the sole responsibility of the Visitor to evaluate the completeness,
accuracy or usefulness of any opinion, guidance or other content made
available on the Web Site and the Visitor should consult his/its own legal
counsel, business Advisor and tax Advisor as to the legal, business, tax
and related matters concerning any policies with respect to which guidance
is sought or given.
C. TERMS OF USAGE OF THE SITE WITH REFERENCE TO THE CUSTOMERS
6. Customer Password and Transaction Password
In the event that ICICI Lombard has, or may from time to time, introduce
or offer certain services on the Web Site which require authentication
procedures, the Customer would be able to access such services by using
the Customer ID and the Customer Password. By using the Customer ID and
the Customer Password the Customer can authorise the transactions. The
Customer may be provided a Transaction Password, which would enable the
Customer to carry out such transactions as may be specified from time
to time. The Customer would not be able to carry out the transactions
without the use of the Transaction Password. The terms governing the Customer
ID, Customer Password and Transaction Password are as follows
- Subject to the Terms, ICICI Lombard shall take reasonable care to ensure
the security of and to prevent unauthorized access to the services, which
are part of the Web Site using technology reasonably available to ICICI
- The Customer confirms and agrees that he will be the sole and exclusive
owner and is the only authorised user of the Customer ID and the Customer
and/or Transaction Passwords and accepts sole responsibility for use,
confidentiality and protection of the Customer ID and the Customer and/or
Transaction Passwords as well as for all transactions authorised by such
password/s and shall ensure that the password/s is/are not revealed to
any third party or recorded in any written or electronic form.
- If the Customer forgets /loses the Customer ID or the Customer /Transaction
Password, or is otherwise desirous of a change in the said Passwords can
request for change of the password by sending a written request to ICICI
Lombard at the address or notify the indicated telephone number of the
Call Centre. On the receipt of such a request ICICI Lombard shall discontinue
the use of the old Customer and/or Transaction Password(s) and shall generate
a new password for the Customer, which shall be communicated to the Customer
or require the Customer to procure a fresh means of authentication, details
of which will be communicated by the Customer to us. However, the Customer
shall be responsible and liable for all transactions that are carried
out by the use of the Customer ID or the Customer/ Transaction Password,
as the case may be, till the time of discontinuation of the old ID or
- Any transaction authorised by using the Customer ID and Customer / Transaction
Password is deemed to be that of the Customer and ICICI Lombard is not
responsible for any mistake / error made by the Customer as to the nature
of the transaction. If third parties gain access to the services offered
through the use of the Customer ID and Customer /Transaction Password,
the Customer shall be deemed to be responsible and the Customer hereby
indemnifies and holds harmless ICICI Lombard against any liability, costs
or damages arising out of claims or suits by or against such third parties
based upon or relating to such access and use. The Customer shall be responsible
for providing and maintaining the communications equipment (including
personal computers and modems) and telephone or alternative services required
at the Customer's end for accessing and using the Web Site or related
services, and for all communications service fees and charges incurred
by the Customer in accessing the Web Site or related services. It is the
Customer's responsibility to ensure that no unauthorised person has access
to its computer unattended whilst accessing the Web Site.
- ICICI Lombard would be entitled, at its sole discretion, to seek offline
written or other confirmation from the Customer of any transaction as
it may deem fit.
- The Customer shall immediately notify ICICI Lombard in writing, delivered
via e-mail and/or Registered AD, or notify through the indicated telephone
number of the Call Centre on the Customer becoming aware of any loss,
theft or unauthorised use of the Customer ID and/or Customer /Transaction
Password; or any receipt by the Customer of confirmation of any transaction
which the Customer did not authorise; or any inaccurate information in
the Customer's account balances, securities positions, or transaction
history. If the Customer fails to notify ICICI Lombard immediately upon
the Customer's knowledge when any of the above conditions occur, neither
ICICI Lombard nor any of their officers, directors, employees, Advisors,
Affiliates or subsidiaries can or will have any responsibility or liability
to the Customer or to any other person whose claim may arise through the
Customer with respect to any of the circumstances described above. Under
no circumstances shall ICICI Lombard or anyone involved in creating, producing,
delivering or managing the services which are part of the Web Site be
liable for any direct, indirect, incidental, special or consequential
damages that result from the use of or inability to use the services,
or out of any breach of any warranty.
- In the event that the certifying authorities and other infrastructure
contemplated under the Information Technology Act, 2000, for ensuring
secure electronic records and secure digital signatures is notified by
the concerned authorities and the infrastructure to enable the same is
in place, ICICI Lombard would have the right to require the Customers
to authorise use, operate or otherwise authorise, the transactions by
means of digital signatures or other means of authentication as ICICI
Lombard may require and/or discontinue the usage of the Customer Password
and the Transaction Password.
- Subject to the Terms and Conditions, ICICI Lombard shall take reasonable
care to ensure the security of and to prevent unauthorized access to the
services, which are being provided through the Web Site using technology
reasonably available to ICICI Lombard.
12. Authority to ICICI Lombard
The Customer irrevocably and unconditionally authorises ICICI Lombard
to carry out his instructions, effecting such transactions as may be permitted
by ICICI Lombard from time to time, in accordance with these Terms and
such other terms as may be specified by ICICI Lombard. Certain transactions
would be effected only after the Customer authorises it by using the Customer/Transaction
Password and ICICI Lombard shall have no obligation to verify the authenticity
of any such duly authorised transaction.
13. Evidence Of Transactions
In respect of any transactions which may be permitted by ICICI Lombard
from time to time, ICICI Lombard's own records of such transactions, maintained
through computer systems or otherwise, shall be accepted as conclusive
and binding for all purposes. More particularly, the record of ICICI Lombard
generated by the transaction(s), including the recording of the time of
the transaction(s), shall be conclusive proof of the genuineness and accuracy
of such transactions.
15. Legal Disclaimer
The Web Site is maintained by ICICI Lombard and your use of the Web Site
is subject to the Terms and Conditions and all applicable Indian laws.
This Website is offered to you on the condition that you accept the Terms
and Conditions contained herein, without modification or reservation of
any of the terms, conditions and notices contained herein and by accessing
and browsing this Website, you accept, without limitation or qualification,
the Terms and Conditions and acknowledge that any other agreement between
you and ICICI Lombard are superseded and of no force or effect. This Web
Site may contain links to other websites, web-pages and services also
operated by ICICI Lombard and / or its Affiliates (the "ICICI Sites"),
and your use of each ICICI Site is also subject to the Terms and Conditions
and other terms and guidelines, if any, contained within each such ICICI
Site. In the event that any of the terms, conditions, and notices contained
herein conflict with the Terms and Conditions or other terms and guidelines
contained within any particular ICICI Site, then the Terms and Conditions
and other terms and guidelines for such ICICI Site shall prevail. You
hereby agree and confirm that you shall click on the links to, and familiarize
yourself with the terms and conditions and other terms and guidelines
found throughout this Web site and the ICICI Sites and abide by them if
you choose to use the sites, pages or services to which they apply.You
should assume that everything you see or read on the Website (including
but not limited to directories, guides, news articles, opinions, reviews,
text, photographs, images, illustrations, profiles, audio clips, video
clips, trademarks, service marks and the like, (collectively "the
Content") is copyrighted/ protected by intellectual property laws
unless otherwise noted and may not be used except as provided in these
Terms and Conditions or in the text on the Website without the prior written
permission of ICICI Lombard. ICICI Lombard neither warrants nor represents
that your use of materials displayed on the Website will not infringe
patent, copyright or any intellectual property rights or any other rights
of third parties not owned by or affiliated with ICICI Lombard. The disclaimer
as set forth herein is in addition to the legal disclaimer as specified
in the website www.icicilombard.com.
16. Terms and Conditions of Use
The Website is deemed to be in use when it is loaded in temporary or permanent
memory of your computer.
Restrictions on Use
You agree to use the Web Site strictly for your personal use. You agree
not to use this Web Site for any illegal purpose or in any manner inconsistent
with these Terms and Conditions. You agree not to use, transfer, distribute
or dispose of any information contained in the Web Site in any manner
that could compete with the business of ICICI Lombard or otherwise compromise
or imperil the interests of ICICI Lombard. You acknowledge that the Web
Site has been developed, compiled, prepared, revised, selected and arranged
by ICICI Lombard and others (including certain other information sources)
through the application of methods and standards of judgement developed
and applied through the expenditure of substantial time, effort and money
and constitutes valuable intellectual property and may also include trade
secrets of ICICI Lombard and such others. You agree to protect the proprietary
rights of ICICI Lombard and all others having rights in the Web Site or
its content during and after the term of this agreement and to comply
with all reasonable written requests made by ICICI Lombard or its suppliers
of content, equipment or otherwise to protect their and others' contractual,
statutory and common law rights in the Web Site. You agree to notify ICICI
Lombard in writing promptly upon becoming aware of any unauthorized access
or use of the Web Site by any party or of any claim that the Web Site
infringes upon any copyright, trademark or other contractual, statutory
or common law rights. You may download and retrieve data from the Web
Site on your computer screen, print individual pages on paper, photocopy
and store such pages in an electronic form on disk (but not on any server
or other storage device connected to a network) for your exclusive personal
use only. You further acknowledge that all the intellectual property in
the Web Site continues to vest with us.
You shall not:
- Reverse engineer, decompile, disassemble, copy, reproduce, distribute,
modify, transmit, perform, reproduce, publish or create derivative works
from or in any way exploit any of the services or content in violation
of the Terms and Conditions or the laws of any country.
- Create a database in electronic or structured manual form by systematically
downloading and storing all or any part of the Web Site save and except
such information as relates to your Policy, if you are a Customer.
- Rent, lease, sell, sublicense, or lend your access to the Web Site.
- Cache or permit caching by any person.
- Do any act that violates our intellectual property in the Website.
- Engage in any fraudulent, abusive or illegal activity, including
but not limited to any communication or solicitation designed or intended
to fraudulently obtain the password or any private information of any
- Use the Web Site to violate the security of any computer network,
crack pass words or security encryption codes, transfer or store illegal
material including threatening or obscene material or engage in any
kind of illegal activity.
- Run mail list or any form of auto-responder, or spam on the Web Site
or any processes that are run or are activated while you are not logged
Although ICICI Lombard may, from time to time, monitor or review any
facilities, if established or otherwise offered at the Web Site for
discussions, chats, postings, transmissions, bulletin boards, and the
like on the Website, ICICI Lombard is under no obligation to do so and
assumes no responsibility or liability arising from the content of any
such locations nor for any error, defamation, libel, slander, omission,
falsehood, obscenity, pornography, profanity, danger, or inaccuracy
contained in any information contained within such locations on the
Web Site. You are prohibited from posting or transmitting any unlawful,
threatening, libelous, defamatory, obscene, scandalous, inflammatory,
pornographic, or profane material or any material that could constitute
or encourage conduct that would be considered a criminal offense, give
rise to civil liability, or otherwise violate any law. ICICI Lombard
will fully cooperate with any law enforcement authorities or court order
requesting or directing ICICI Lombard to disclose the identity of anyone
posting any such information or materials.
We reserve the right to deny to you, at our sole discretion, access
to the Web Site, including any portion thereof, without any prior notice.
We grant you the right to access this Web Site in accordance with these
terms and conditions, and for no other purpose. Please note that the
services and content on the Web Site, including but not limited to text,
content, photographs, video, audio and graphics, are either the property
of, or used with permission by, ICICI Lombard and/or by ICICI Lombard's
suppliers and may be protected by applicable copyrights, trademarks,
service marks, international treaties and/or other proprietary rights
and laws of India and other countries.The trademarks, logos, slogans
and service marks (collectively the "Trademarks") displayed
on the Web Site, are registered and unregistered Trademarks of ICICI
Lombard and others. Nothing contained on the Web Site should be construed
as granting, by implication, estoppel, or otherwise, any license or
right to use any Trademark displayed on the Web Site without the written
permission of ICICI Lombard or such third party that may own the Trademarks
displayed on the Web Site. Your misuse of the Trademarks displayed on
the Web Site, or any other content on the Web Site, except as provided
in these Terms and Conditions, is strictly prohibited. You are also
advised that ICICI Lombard will aggressively enforce its intellectual
property rights to the fullest extent of the law, including the seeking
of criminal prosecution.We shall be entitled to obtain equitable relief
(including all damage, direct, indirect, consequential and exemplary),
over and above all other remedies available to us, to protect our interests
Links to third party web sites
This Web Site may contain links to websites operated by parties other
than us. These links in this Website will let you leave www.icicilombard.com
<http://www.icicilombard.com>. Such links are provided for your
convenience only and ICICI Lombard does not control such websites, and
is not responsible for their content. Your use of such websites is also
contained within each such website. In the event that any of the terms
and guidelines for such website shall prevail.You agree to click on
found in the sites to which this Web Site has links to, and abide by
The linked websites are not under our control and we are not responsible
for the contents of any such linked website or any link contained in
a linked website, advertisements appearing in or products offered by
or any changes or updates to such websites. We are providing these links
to you only as a convenience, and the inclusion of any link does not
imply endorsement by us of the linked website.
Software Available on the Web Site
Software or information (if any) that is made available to download
from this Web Site ("Software") is the copyrighted work of
ICICI Lombard and/or its suppliers. Your use of the Software is governed
by the terms of the end user license agreement, if any, which accompanies
or is included in the Software. You may not install or use any Software
that is accompanied by or includes a License Agreement unless you first
agree to the License Agreement terms.
You agree, at your own expense, to indemnify, defend and hold harmless
ICICI Lombard, its directors and employees, representatives, suppliers
and Advisors, against any claim, suit, action or other proceeding brought
against ICICI Lombard, its directors and employees, representatives,
suppliers and as by a third party, to the extent that such claim, suit,
action or other proceeding brought against ICICI Lombard, its directors
and employees, representatives, suppliers and Advisors is based on or
arises in connection with the use of this Web Site, or any links therein,
including, but not limited to :
- Your use or someone else's use of your access to the Web Site;
- Your use/operation or someone using/operating or conducting any transactions,
- A violation of the terms and conditions contained herein by you or
anyone using your or any other computer;
- A claim that any use of the Web Site by you or someone using your
computer infringes any Intellectual Property Right of any third party,
or any right of personality or publicity, is libelous or defamatory,
or otherwise results in injury or damage to any third party;
- Any deletions, additions, insertions or alterations to, or any unauthorized
use of, the Web Site by you or someone using your computer;
- Any misrepresentation or breach of representation or warranty contained
herein made by you; or
- Any breach of any covenant or agreement to be performed by you hereunder.
You agree to pay any and all costs, damages and expenses, including,
but not limited to, reasonable attorneys' fees and costs awarded against
or otherwise incurred by or in connection with or arising from any such
claim, suit, action or proceeding attributable to any such claim.
Disclaimer of warranties
You expressly agree that use of the Web Site is at your sole risk. The
Web Site is provided on an "as is" and "as available"
Except as warranted in these Terms and Conditions, we expressly disclaim
all warranties of any kind, whether express or implied or statutory, including,
but not limited to the implied warranties of merchantability, fitness
for a particular purpose, data accuracy & completeness, and any warranties
relating to non-infringement.
We shall not be responsible or liable for the authenticity, accuracy,
completeness, errors, omission, typographic errors, disruption, delay,
interruption, failure, deletion, defect of any information, research,
reports, analysis, quotes etc in this Web Site or any part thereof.
We shall not incur any liability direct or indirect, to you or any third
party, as a consequence of non-functioning of any equipment belonging
to you, any third party or us. We shall not be responsible for any downtime
of such equipment.
We do not warrant that access to the Web Site will be uninterrupted,
timely, secure, or error free; nor do we make any warranty as to the results
that may be obtained from the Web Site or as to the accuracy or reliability
of the content contained therein.
We make no warranty regarding the transactions entered into through the
Web Site. No advice or information, whether oral or written, obtained
by you from or through the Web Site or any person shall create any warranty
not expressly stated herein.
We shall not be liable for any action taken by you based on or relying
on the information provided in or by the Web Site.
We will not be liable for any virus that may enter your system as a result
of you using the Web Site. We make no guarantees to you or third parties
that the content contained on the Web Site would be virus free. We will
not be liable for any direct, incidental or consequential loss, which
may be caused to you as a result of your use of the Web Site.
If you are dissatisfied with any portion of this Web Site or with any
of these Terms and Conditions, your sole and exclusive remedy is to discontinue
using the Web Site.
Use of "cookie" file features
ICICI Lombard reserves the right to store information on a user's computer
in the form of a "cookie" or similar file for purposes of modifying
the Web Site to reflect users' preferences.
Limitation of liability
Under no circumstances, including but not limited to negligence, shall
ICICI Lombard, its employees and directors, its suppliers and its third
party Advisors be liable to you for any direct, indirect, incidental,
special or consequential damages or any damages whatsoever including punitive
or exemplary (including, but not limited to, damages caused by any virus,
personal injury, loss of profits, data or other intangible, business interruption,
loss of privacy, or any other pecuniary loss), arising out of or in any
way connected with the use/delivery/performance of this Web Site, with
the delay or inability to use this Web Site or any links or items on the
Web Site, the provision of or failure to provide services, or for any
information, software, products, services and related graphics obtained
through this Web Site, or otherwise arising out of the use of this Web
Site, whether based on contract, tort, strict liability or other wise,
or for cost of procurement of substitute goods and repair & correction
services or resulting from the use of this Web Site or obtained or messages
received or transactions entered into through or from the Web Site or
resulting from unauthorized access to or alteration of your transmissions
or data, even if we have been advised of the possibility of such damages.
You agree that we shall not be liable for any damages arising from interruption,
suspension or termination of the Web Site, including but not limited to
direct, indirect, incidental, special, consequential or exemplary damages,
whether such interruption, suspension or termination was justified or
not, negligent or intentional, inadvertent or advertent. Applicable law
may not allow the limitation or exclusion of liability or incidental or
consequential damages. However, in no event shall our liability to you
for all damages, losses and causes of action (whether in contract or tort,
including but not limited to, negligence) exceed the amount paid by you,
if any, for accessing the Web Site.
Modification of these Terms and Conditions
ICICI Lombard has the absolute discretion to amend or supplement any of
these Terms at any time and will endeavour to give prior notice of five
days for such changes wherever feasible. The modifications to the Terms
shall be displayed on the Web Site. In the case where the Customer no
longer wishes to use the Web Site on such new terms and conditions he/she
is entitled to terminate his/her relationship in accordance with the termination
clause in these Terms. On and from the date on which the amendment or
supplement is notified by display on the Web Site, the Customer shall,
by virtue of these Terms and without any further act, deed or writing
on the part of any party, be deemed to have accepted the changed terms
and conditions by his further use/access or visit to the Web Site.
If any part of these Terms and Conditions are determined to be invalid
or unenforceable pursuant to applicable law including, but not limited
to, the warranty disclaimers and liability limitations set forth above,
then the invalid or unenforceable provision will be deemed superseded
by a valid, enforceable provision that most closely matches the intent
of the original provision and the remainder of the Terms and Conditions
shall continue in effect.
- Notices under these Terms may be given by ICICI Lombard and the Customer
in writing by delivering them by hand or by sending them by post to the
last address given by the Customer and in the case of ICICI Lombard to
the address mentioned on the Web Site.
- In addition, ICICI Lombard may also publish notices of general nature,
which are applicable to all Visitors or Customers in a newspaper or on
its Web Site. Such notices will have the same effect as a notice served
individually to each Visitor or Customer.
- In the case of hand delivery, cable, telex, facsimile notices or electronic
communication notices or instructions will be deemed served 7 days after
posting or upon receipt as the case may be. Documents, which may be sent
by electronic communication between the parties, may be in the form of
an electronic mail, an electronic mail attachment, or in the form of an
available download from the Web Site. ICICI Lombard shall be deemed to
have fulfilled any legal obligation to deliver to the Customer if any
such document is sent via electronic delivery. Any instructions received
from the Customer/Visitor by means of electronic delivery or by facsimile
would be deemed to have been sent on paper.
17. Foreign Jurisdiction
- ICICI Lombard accepts no liability whatsoever, direct or indirect for
non-compliance with the laws of any country other than that of India.
The mere fact that the Web Site can be accessed by a Visitor or a Customer
in a country other than India would not mean that the laws of the said
country would govern these Terms and/or the Web Site operations of the
Customer and/or the use of the Web Site by the Visitor or the Customer.
- The services available on the Web Site are being offered only to residents
of India. Provided however, that such services are not available to foreign
residents including non-resident Indians ("NRI's") in foreign
jurisdictions where the services cannot be offered without prior regulatory
compliance. It shall be the sole responsibility of foreign residents including
NRIs in foreign jurisdictions to verify whether the services available
on the Web Site can be accessed and utilised in their respective jurisdictions.
The services which are part of the Web Site do not constitute an offer
to sell or a solicitation of an offer to buy any policies/products to
any person in any jurisdiction where it is unlawful to make such an offer
- You agree that no joint venture, partnership, employment, or agency
relationship exists between us as a result of these Terms and Conditions
or use of this Web Site.
- ICICI Lombard's performance of this agreement is subject to existing
laws and legal process, and nothing contained in this agreement is in
derogation of ICICI Lombard's right to comply with governmental, court
and law enforcement requests or requirements relating to your use of this
Web Site or information provided to gathered by ICICI Lombard with respect
of such use.
- You acknowledge that any rights not expressly granted herein are reserved.
- These Terms and Conditions constitutes the entire agreement between
us with respect to this Web site and it supersedes all prior or contemporaneous
communications and proposals, whether electronic, oral or written, between
us with respect to this Web Site.
- The clause headings in these Terms and Conditions are for only for convenience
and do not affect the meaning of the relative term.
- ICICI Lombard may sub-contract and employ Advisors to carry out any
of its obligations under these Terms and Conditions. ICICI Lombard may
transfer or assign its rights and obligations under this contract to any
- ICICI Lombard shall try and ensure that all information that is provided
on the Web Site with respect to policies / products are accurate in all
respects and are kept up to date. However, ICICI Lombard does not guarantee
the timeliness, accuracy, completeness, reliability or content of the
information and any changes that are made with respect to the same and
the Visitor/Customer is required to check the accuracy of the same with
the office of ICICI Lombard.
- All transactions, which cannot be carried out instantaneously, would
be carried out during working hours either on the same day or on the next
working day or such further period as may be determined and/or specified
by ICICI Lombard depending upon the time of logging of the transaction
- All transactions that are carried out by and on behalf of the Customer
shall be subject to Government notifications, the rules, regulations and
guidelines issued by the Insurance Regulatory and Development Authority,
the Securities and Exchange Board of India, the Reserve Bank of India,
and those of other regulatory bodies defining rules/regulations governing
the offer of any service on the Web Site.
- If any provision or condition of these Terms shall be held to be invalid
or unenforceable by reason of any law, rule, administrative order or judicial
decision by any court, or regulatory or self-regulatory agency or body,
such invalidity or unenforceability shall attach only to such provision
or condition. The validity of the remaining provisions and conditions
shall not be affected thereby and these Terms shall be carried out as
if any such invalid or unenforceable provision or condition was not contained
- ICICI Lombard may from time to time send by e-mail or otherwise, information
relating to products and services offered by its Affiliates, general information
related to financial and other services, life and general insurance products.
in the website www.icicilombard.com
shall be applicable.
If you have any questions you may contact us at
You can also go through the Terms & Conditions before you download
the Claims forms and the Terms & Conditions before you download the