Disclaimer

Insuringall.com owned by SPA Insurance Broking Services Limited (SIBSL) intends to provide clear and unbiased information about insurance products and services. The information and data are generic in nature. Our efforts are to offer unbiased, accurate and responsible data to the best of our ability. We are however, in no manner or form responsible for any discrepancies in the data published on our website.

There is no intention or purpose of violating any intellectual property or ancillary rights. All information provided on the portal- Insuringall.com is subject to discretion by SIBSL and is likely to change without any notice. Though, any changes in public utility will be communicated on our portal.

Although we have tried to maintain high standards in quality, clarity, and accuracy of the material posted on the portal, SIBSL is not legally responsible for the same in any manner whatsoever.

Employees, partners and associated staff of SIBSL are not accountable for any loss, harm or damage that occurs or may occur or arise from the usage of information from the portal. Customers are advised to use their own discretion in such matters.

The Frequently Asked Questions (FAQs) sections are intended for increasing general awareness about the subject matters of insurance and cannot be treated as a legal opinion concerning any policy or a particular circumstance. For any individual case, it is always the terms and conditions of their Policy, and those stated in the Schedule which have an overriding and binding effect. Insurance matters are subject to applicable law/rules/regulation including instructions and circulars issued by IRDAI from time to time. 

It is important to understand that insurance is a subject matter of solicitation and market risks. It is the responsibility of the customer to understand the limitations of insurance policies and the risks involved, and under no circumstance, form or manner, do we take any liability in such cases. We also recommend you to please read the subject and offer documents carefully. The information provided on the portal is for financial and insurance purposes.

SIBSL does not guarantee or warrant that the site will be uninterrupted, without delay, error-free, omission-free or free of viruses. Therefore, the information is provided "as is" without warranties of any kind, expressed or implied, including accuracy, timeliness, and completeness. In no event shall SIBSL, its related partners, Managing Directors, principals, agents or employees be liable for any direct, indirect, incidental, special, exemplary, punitive, consequential or other damages whatsoever (including but not limited to liability for loss of use, data or profits), without regard to the form of any action, including but not limited to, contract, negligence or other tortious actions, arising out of or in connection with the site, any content on or accessed by use of the site, or any copying, display or other use hereof.

Should a user download the materials on the site for personal or non-commercial use, the user must retain all copyrights, trademarks or other similar notices contained in the original materials or on any copies of the material. Materials on the site may not be modified, reproduced, publicly displayed, performed, distributed or used for any public or commercial purposes without the explicit written permission from the appropriate content or material provider (including third-party links).

Third party links are provided as a convenience to our users. SIBSL does not control and is not responsible for any of these sites or their content. SIBSL reserves the right to request removal of any link to our Website.

It is a mutual understanding between us and the customers that their association with the portal will be at the customer's sole discretion and risk.

Privacy Policy

Insuringall.com ('Website') recognizes the importance of maintaining your privacy. Insuringall.com is committed to maintaining the confidentiality, integrity, and security of all information of our users. This Privacy Policy describes how Insuringall.com collects and handles certain information it may collect and/or receive from you via the use of this Website. Please see below for details on what type of information we may collect from you, how that information is used in connection with the services offered through our Website and other shared with our business partners. This Privacy Policy applies to current and former visitors to our Website and to our online customers. By visiting and/or using our website, you agree to this Privacy Policy.

The personal information supplied by you on Insuringall.com authorizes SPA Insurance Broking Services Limited (including its representatives, affiliates, and its business partners) to contact you via email or phone call or SMS and offer you our services for the product you have opted for, imparting product knowledge, offer promotional offers running on Insuringall.com and offers by its business partners and associated third parties, for which reasons your information may be collected in the manner as detailed under this Policy.

As a practice, we would not store your data when you visit the site anonymously. However, your personal data will be stored and used when you supply the same in order to transact the business or seek any kind of services through Insuringall.com. The data may also be stored when you register on Insuringall.com and/or seek any kind of services being provided on the portal. As a registered user or user to transact the business or seeking any kind of services, your visits on any page of Insuringall.com may be stored and used for business-related activities.

Controllers of collected Personal Information

Your personal data will be stored and collected by SPA Insurance Broking Services Limited (SIBSL).

Collected Information

Insuringall.com may collect personal information that you submit to us, which includes, but is not limited to:

  • Name;
  • Home address;
  • Email address;
  • Domain address;
  • Mobile number;
  • Date of birth;
  • Job position;
  • Occupation;
  • Company;

We may also collect some information automatically, which include:

  • IP address
  • Information about your web browser software and version;
  • General geographic location indicated by your IP address;
  • The website that referred you to us, and similar information.

We also may collect information about your activity on our websites, which might include:

  • Frequency of visits to our web site;
  • Average length of visits;
  • Pages viewed during a visit.

We may use various technologies to collect information about your activities on our websites, including:

  • Cookies (If not selected may affect certain or all functionalities);
  • Web Beacons / Web bugs (Measures user experience on our website).

We may combine your information, automatically gathered information and the information we collect through cookies/web beacons/ web bugs, including information that we have collected about you, or information that we have obtained from other sources. We may aggregate any statistics or data that are collected, but we are under no obligation to do so.

Use of collected Personal Information

Insuringall.com may use the personal information that is collected from you to provide requested products and services and for our internal business purposes, including, but not limited to:

  • Responding to your requests for our unique products, services, and related information;
  • To process your transactions and to provide you with transaction and post-transaction-related services, providing, improving, and marketing our products and services, including site content and performance;
  • Evaluating your use of the services;
  • Sending you information about special promotions or offers through the mail, postal mail, courier and/ or telephone. We might also tell you about new features or products. These might include offers or products from our business partners (such as insurance companies etc.) or third parties (such as marketing partners and other service providers etc.), with whom Insuringall.com has a tie-up.
  • Maintaining and managing your account with us;
  • Keeping you updated on the issues that are relevant to your business relationship with us;
  • Monitoring your compliance with any terms and conditions associated with our products and services, including to confirm your identity;
  • Performing other functions as described to you at the time of collection or pursuant to your consent.

In addition, certain information we collect, such as the IP address of any computer or other device that you use to access our website and any other domains that may be operated by SIBSL, will be used to monitor and investigate possible violations of and enforce any terms and conditions associated with our products and services or other applicable agreements between you and SIBSL.

Information Sharing and Disclosure

Insuringall.com may share your Information submitted on the Website to any third party/service provider/business partner without obtaining your prior consent in the following limited circumstances:

  • When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offenses. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms and Conditions; for complying with the applicable laws and regulations.
  • We propose to share such information within SIBSL group companies and officers and employees of such group companies for the purpose of processing personal information on its behalf. We also ensure that these recipients of such information agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.
  • We may use third-party advertising companies to serve ads when the user visits the Website. These companies may use personal information about the user’s visit to the Website and other websites in order to provide advertisements about goods and services of interest to the user.
  • We shall transfer information about you in case Insuringall.com / SIBSL is acquired by or merged with another company.

Our use and sharing of your personal information in the manner described in this Privacy Policy may involve the transfer of your personal information to SIBSL or to third parties, as described in this Privacy Policy, that are in countries outside your country of residence, which may not have the same privacy legislation as your country of residence. If we share information with third parties (other than our service providers) as described above, we cannot control the privacy practices of those third parties, and they may not comply with the restrictions that we describe here.

Minor's Privacy

We do not knowingly collect personal information from minor children. If we learn that we have collected personal information from a child who is in the minor category, we will delete that information from our database.

Changes in this Privacy Policy

Insuringall.com reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review

Cancellation & Refund

(a) Free look period for Cancellation of Life Insurance Policies:

As per the IRDAI Protection of Policyholders’ Interests Regulation 2017,

i. The insurer shall inform clearly by the letter forwarding the policy to the policyholder that he has a free look period of 15 days from the date of receipt of the policy document and period of 30 days in case of electronic policies and policies obtained through distance mode, to review the terms and conditions of the policy and where the policyholder disagrees to any of those terms or conditions, he has the option to return the policy to the insurer for cancellation, stating the reasons for his objection, then he shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses incurred by the insurer on medical examination of the proposer and stamp duty charges.

ii. In respect of a linked insurance product, in addition to the deductions under sub-regulation (i) above, the insurer shall also be entitled to repurchase the units at the price of the units on the date of cancellation.

iii. A request received by insurer for free look cancellation of the policy shall be processed and premium refunded within 15 days of receipt of the request, as stated at sub clause (i), (ii) above.

All payments with respect to refunds, as stated under in the above paragraph, shall be the sole responsibility of the insurer as per the rules and regulations laid down by the IRDAI. Insuringall only acts as a mere facilitator and provides its assistance to its customers for speedy returns.

(b) Additional Terms and Conditions of proposal form (applicable for health insurance products only):

(i) You hereby declare, on your behalf and on behalf of all persons proposed to be insured, that the statements, answers and/ or particulars given by you are true and complete in all respects to the best of your knowledge and that you are authorized to propose on behalf of these other persons.

(ii) You understand that the information provided by you will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the insurer and that the policy will come into force only after full payment of the premium chargeable.

(iii) You further declare that you will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the insurance company.

(iv) You declare that you consent to the insurance company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be insured/proposer and seeking information from any insurer to whom an application for insurance on the person to be insured/proposer has been made for the purpose of underwriting the proposal and/or claim settlement.

(v) You authorize SIBSL/ the insurance company to share information pertaining to your proposal including the medical records of the insured/ proposer for the sole purpose of underwriting the proposal and/or claims settlement and with any Governmental and/or Regulatory authority.

(vi) You consent to and authorize any of insurance company’s authorized representatives not being direct employees of the company to seek medical information required for the purpose of policy issuance or claim settlement under this policy from any hospital/medical practitioner that you or any person proposed to be insured/insured has attended or may attend in future concerning any disease or illness or injury.

(vii) You understand agree that (section 41 of Insurance Act, 1938):

a) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurers.

b) Any person making default in complying with the provision of this section shall be liable for a penalty which may extend to ten lakh rupees.”

Terms and Conditions

Welcome to www.insuringall.com website (the "Site") operated by SPA Insurance Broking Services Limited (SIBSL) of the SPA Group. Insuringall.com provides its services to you subject to the following conditions. Before you may use the Site, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use and the linked . We reserve the right, at any time, at our sole discretion, to change or otherwise modify the Terms Of Use without any prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified Terms Of Use.

License and Site Access

Insuringall grants you a limited license to access and make personal use of the Site and the Service. This license does not cover any downloading or copying of any kind of information or data to the advantage of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material 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; any action that imposes or may impose (at the sole discretion of Insuringall) an unreasonable or disproportionately large load on the infrastructure of Insuringall ; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Insuringall to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Insuringall.

By using Insuringall, you agree not to:

  • Use this Site or its contents for any commercial purpose;
  • Make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand;
  • Access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
  • Violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site;
  • Take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
  • Deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or
  • "Frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.

Your Account

You must provide true, accurate, current and complete information about yourself as prompted by the Site. If you provide any information that is false, inaccurate, obsolete or incomplete (or becomes so), or SIBSL has reasonable grounds to suspect that such information is false, inaccurate, obsolete or incomplete, SIBSL has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). It is your responsibility to maintain the confidentiality of your account and password, and for restricting access to your computer. You are also fully responsibility for all activities that occur under your account or password. You agree to notify Insuringall immediately of any unauthorized use of your account or any other breach of security. Insuringall reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the Terms of Use or Privacy Policy. Additional terms and conditions will apply to your purchase of Services that you select. Please read them carefully. You agree to abide by the terms and conditions of purchase imposed by any service provider with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the service provider's rules and restrictions regarding use of products, and/or Services. You agree that any violation of any such service provider's rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the applicable service(s), in your forfeiting any monies paid for such Services, and/or in our debiting your account for any costs we incur as a result of such violation.

Service Description

Insuringall.com, provides users with access to information focussed on Insurance products and services including but not restricted to General Insurance, Life Insurance products and related services (including but not limited to renewals) (the "Service"). It is the user's responsibility to obtain access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. The usage of the site, and furnishing of one's personal / contact details, hereby qualifies as the user being interested in availing and purchasing the Service(s) that they have selected. The user hereby gives consent to being sent the policy PDF on their email ID by Insuringall.com/ SIBSL/ the concerned Insurance company. The user hereby agrees that SIBSL may contact them either electronically or through phone, to understand their interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfil their demand. SIBSL has the right to share your details with its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or SMS. You agree to receive promotional materials and/or special offers from Insuringall and SIBSL through email or SMS.

Disclaimer of Liability and Warranty

There is a possibility of inaccurate information or errors, including pricing errors, on the Content, Products, and Services Published on this site. We do not guarantee absolute accuracy, and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services. We solely reserve the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price. SIBSL makes no representation about the suitability of the information, Software, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided "AS IS" without warranty of any kind. SIBSL disclaims all warranties and conditions that this site, its services or any email sent from Insuringall, its affiliates, and/or their respective or associated service providers are free of viruses or other harmful components. Insuringall hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The service providers providing services on this site are independent affiliates and SIBSL are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such service providers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. Insuringall and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall Insuringall and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, your reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this site; or otherwise arising out of the access to, display of or use of this site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if Insuringall and/or its affiliates their respective service providers have been advised of the possibility of such damages.

Limitation of Liability

You expressly understand and agree that SIBSL and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if SIBSL has been advised of the possibility of such damages), resulting from use of the site, content or any related services. If, despite the limitation above, SIBSL or its Affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of SIBSL and/or Its Affiliates will in no event exceed, in the aggregate, the greater of (a) the service fees you paid to SIBSL in connection with such transaction(s) on this Site, or (b) Rupees One Hundred only (INR 100) The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of SIBSL, Its affiliates, and/or their respective service providers.

Cancellation & Refund/Chargeback Terms and Conditions
(a) Free look period for Cancellation of Life Insurance Policies:

As per the IRDAI Protection of Policyholders’ Interests Regulation 2017,

i.The insurer shall inform clearly by the letter forwarding the policy to the policyholder that he has a free look period of 15 days from the date of receipt of the policy document and period of 30 days in case of electronic policies and policies obtained through distance mode, to review the terms and conditions of the policy and where the policyholder disagrees to any of those terms or conditions, he has the option to return the policy to the insurer for cancellation, stating the reasons for his objection, then he shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses incurred by the insurer on medical examination of the proposer and stamp duty charges.

ii.In respect of a linked insurance product, in addition to the deductions under sub-regulation (i) above, the insurer shall also be entitled to repurchase the units at the price of the units on the date of cancellation.

iii.A request received by insurer for free look cancellation of the policy shall be processed and premium refunded within 15 days of receipt of the request, as stated at sub clause (i), (ii) above.

All payments with respect to refunds, as stated under in the above paragraph, shall be the sole responsibility of the insurer as per the rules and regulations laid down by the IRDAI. Insuringall only acts as a mere facilitator and provides its assistance to its customers for speedy returns

(b) Additional Terms and Conditions of proposal form (applicable for health insurance products only):

(i) You hereby declare, on your behalf and on behalf of all persons proposed to be insured, that the statements, answers and/ or particulars given by you are true and complete in all respects to the best of your knowledge and that you are authorized to propose on behalf of these other persons.

(ii) You understand that the information provided by you will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the insurer and that the policy will come into force only after full payment of the premium chargeable.

(iii) You further declare that you will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the insurance company.

(iv) You declare that you consent to the insurance company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be insured/proposer and seeking information from any insurer to whom an application for insurance on the person to be insured/proposer has been made for the purpose of underwriting the proposal and/or claim settlement.

(v) You authorize SIBSL/ the insurance company to share information pertaining to your proposal including the medical records of the insured/ proposer for the sole purpose of underwriting the proposal and/or claims settlement and with any Governmental and/or Regulatory authority.

(vi) You consent to and authorize any of insurance company’s authorized representatives not being direct employees of the company to seek medical information required for the purpose of policy issuance or claim settlement under this policy from any hospital/medical practitioner that you or any person proposed to be insured/insured has attended or may attend in future concerning any disease or illness or injury.

(vii) You understand agree that (section 41 of Insurance Act, 1938):

a) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurers.

b) Any person making default in complying with the provision of this section shall be liable for a penalty which may extend to ten lakh rupees.”

Online Availability, Impressions, And Click-Throughs Disclaimer

In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees or warranties regarding online availability, impressions, and click-through of www.insuringall.com, its web pages, and any material, information, links, or content presented on the web pages at www.insuringall.com, may be unavailable for online access at anytime. Advertising sponsors and advertising, if any and if permitted, must be approved by SIBSL before the posting of any advertising material, information, links, content, banners, and graphics on www.insuringall.com. SIBSL reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.

License Disclaimer

Nothing on any SIBSL website shall be construed as conferring any license under any of SIBSL's or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.

Indemnity

You agree to indemnify and hold SIBSL (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this ToU, your violation of any law or the rights of a third party, or your use of the Site.

Local Governing Laws

SIBSL controls and operates this Website from its headquarters in New Delhi, India and makes no representation that the materials on the website are appropriate or available for use outside India. If you use this Website from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India. Disputes if any shall be subject to the exclusive jurisdiction of Courts at New Delhi.

Links

The Site or third parties may provide links to other World Wide Web sites or resources. Because SIBSL has no control over such sites and resources, you acknowledge and agree that SIBSL is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that SIBSL shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Trademarks

The domain www.insuringall.com is a property of SIBSL. The trademarks, logos, tag lines, slogans, icons, service marks, and designs are the property of www.insuringall.com. This site also uses the trade name, trademarks, logos, etc. of its business partners and associates. These business partners and associates have their respective rights on their trade name, trademarks, logos etc. The graphics, texts, images, style and designs are subject to intellectual property rights. Any kind of inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited unless specifically authorized in writing by www.insuringall.com

General

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavour to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section. This Terms of Use and the relationship between you and Insuringall and/or its affiliates, parent company will be governed by the laws of the India without regard to its conflict of law provisions. You and Insuringall agree to submit to the personal jurisdiction of the courts located in New Delhi jurisdiction with respect to any legal proceedings that may arise in connection with this Terms of Use. The failure of Insuringall to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. SIBSL does not guarantee it will take action against all breaches of this Terms of Use. Except as otherwise expressly provided in this Terms of Use, there shall be no third-party beneficiaries to this Terms of Use. This Terms of Use constitutes the entire agreement between you and SIBSL and governs your use of Insuringall, superseding any prior agreements between you and SIBSL with respect to Insuringall.