Terms and Conditions

Introduction

These Terms and Conditions ("T&C") governs the end users’ (“You/Your”) access to and use of https://www.turtlefin.com/ (the "Website"). Please read these T&C carefully before accessing the Website or any information, content, image, text, graphics, logos, tools, photographs, images, illustrations, software or source code, audio and video, animations, text, graphic or any kind of material /information on the Website (collectively referred to as “Content”). By using or accessing the Website, You agree to be bound by all the T&C. If You do not agree to all the T&C, please do not access the Website.

This Website is owned and operated by Fintech Blue Solutions Private Limited (“Turtlefin/Our/Us/We”), a company incorporated under Companies Act 2013 with its registered office at The ORB - Sahar, 4 and 4A 1st Floor, A Wing, Marol Village, Andheri, Mumbai, Maharashtra 400099. Turtlefin is an insurance technology (Insurtech) company where Our products help insurance intermediaries to digitise insurance sales and services making sure that the end consumer gets a modern experience (“Services”).

Scope of the T&C

These T&C will govern Your use of the Website and all applications, software, and services available via the Website, except to the extent that such Services are the subject of a separate agreement. Specific terms or agreements may apply to the use of certain Services and other items provided to You via the Website ("Service Agreement(s)"). Any such Service Agreements will supersede over these T&C.

Privacy Notice

These T&C, along with the ‘Privacy Policy’, available here at https://www.turtlefin.com/privacy-policy which constitutes an integral part of these T&C. These ‘T&C’, ‘Privacy Policy’ and any such applicable policies constitute an electronic record in the form of an electronic contract under the Information Technology Act, 2000 as amended and the relevant rules made thereunder as applicable, and the amended provisions pertaining to electronic records in various statutes under applicable Indian laws and does not require physical signature or seal.

By accessing the Content on this Website, You agree and accept to these T&C. Further, by providing information including any personal information of any individual to Us, You represent to Us that You have obtained all necessary consents for processing of such personal information.

Modifications

We may revise and update these T&C at any time. Your continued usage of the Website after any changes to these T & C will be deemed as acceptance of such changes. Any aspect of the Website may be changed, supplemented, deleted, or updated without notice, at Our sole discretion.. We may establish or change, at any time, general practices and restrictions concerning Our other products and services at its sole discretion.

License and Ownership

Any and all intellectual property rights including all patents, copyrights, trademarks, service marks, trade names and other proprietary rights, and all applications and registrations thereof, throughout the world, in relation to the Website or services ("Intellectual Property") associated with the Website and its Content are Our sole property, its affiliates or third parties authorised by Us. The Content is protected by Intellectual Property and other laws both in India and other countries. Except as otherwise expressly authorised by these T&C, You may not copy, reproduce, modify, amend, lease, loan, sell and/or create derivative works from, upload, transmit, and/or distribute the Intellectual Property of the Website in any way without Our prior written permission. Except as expressly provided herein, Turtlefin does not grant to You any express or implied rights to the Intellectual Property of Turtlefin or that of any third party.

Turtlefin hereby grants You a limited, personal, non-transferable, non-sublicensable, revocable licence to access and use a) only the Website, Content and Services only in the manner presented by Turtlefin b) None of the Content and/or confidential information may be reverse-engineered, modified, amended, reproduced, republished, translated into any language or computer language, re-transmitted in any manner c) resold or redistributed without the prior written consent of Turtlefin d) You may not make, sell, offer for sale, modify, amend, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use the Content in any way unless expressly permitted to do so by Turtlefin.

Restrictions on use of the Website

In addition to other restrictions set forth in these T&C, You agree that:

You shall not disguise the origin of information transmitted through the Website.
You will not place false or misleading information on the Website.
You will not use or access any service, information, application, or software available via the Website in any manner that is not expressly permitted by Turtlefin.
You will not input or upload onto the Website any information that may contain viruses, trojan horses, worms, time bombs or other computer programming routines that are intended to damage, interfere with, intercept or expropriate any system, the Website or the Content that infringes the Intellectual Property rights of another.
Certain areas of the Website are restricted to customers of Turtlefin.
You may not use or access the Website or Our systems or Services in any way that, in Turtlefin ‘s judgment may adversely affect the performance or function of the Turtlefin systems, Services or the Website or interferes with the ability of authorised parties to access the Turtlefin systems, Services or the Web Site.
You may not frame or utilise framing techniques to enclose any portion or aspect of the Content or the information, without the express written consent of Turtlefin.

Link

Outbound Links:
The Website may contain links to third-party websites and resources ("Linked Sites"). These Linked Sites are provided solely as a convenience to You and not as an endorsement by Turtlefin for the content of such Linked Sites. We make no representations or warranties regarding the correctness, accuracy, performance or quality of any content, software, service, or application found on any Linked Site. We will not be responsible for the availability of the Linked Sites or the content or activities on such sites. If You decide to access Linked Sites, You do so at Your own discretion and risk. Additionally, Your use of Linked Sites is subject to any applicable policies and terms and conditions, including but not limited to, the Linked Site's privacy policy.

Inbound Links:
Any linking to any page of the Website other than to https://www.turtlefin.com through a plain text link is strictly prohibited in the absence of a separate agreement with Turtlefin. Any website or other devices that link to https://www.turtlefin.com or any page available therein is prohibited from replicating Content, using a browser or border environment around the Content, implying in any fashion that Turtlefin or any of its affiliates endorse such inbound link websites or its products, misrepresenting any state of facts, including its relationship with Turtlefin or any of the Turtlefin affiliates, presenting false information about Turtlefin products or services, and using any logo or mark of Turtlefin or any of its affiliates, without express written permission from Turtlefin.

Termination

You agree that We at Our sole discretion, may terminate or suspend Your use of the Website, Our systems, Services and Content at any time and for any or no reason and at Our sole discretion, even if Your access and use continue to be allowed to other websites. Upon such suspension or termination, You must immediately

discontinue Your use of Our Website, and
destroy any copies You may have made of any portion of the Content.

You agree that accessing the Website, Our systems, Content or Services after such termination, suspension or discontinuation shall constitute an act of trespass.

Furthermore, You agree that Turtlefin shall not be liable to You or to any third party for any termination or suspension of Your access to the Website, Our Systems, Content and/or the Services.

Disclaimer of warranties

Turtlefin makes no representations about the results to be obtained from using the Website, Our systems, the Services or the Content. The use of same is at Your own risk. The Website, the information on the Website, the Services and the Content are provided on an ‘as is’ basis. Turtlefin, its licensors, and its suppliers, to the fullest extent permitted by law, disclaim all warranties, either express or implied, statutory or otherwise, including but not limited to, the implied warranties of merchantability, non-infringement of third-party rights, and fitness for a particular purpose. Turtlefin and its affiliates, licensors and suppliers make no representations or warranties concerning the accuracy, performance, completeness, security or timeliness of the content, information or services provided on or through the use of the Website or Our systems. Any information obtained by You from the Website shall create any warranty not expressly stated by Us in these T&C. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Limitation of Liability

To the extent permitted by law, in no event shall Turtlefin, its affiliates, licensors, suppliers or any third parties mentioned at the Website be liable for any incidental, direct, indirect, exemplary, punitive and/or consequential damages, lost profits, and/or damages resulting from lost data or business interruption resulting from the use of and/or inability to use the Website, Our systems, information, services or the content whether based on warranty, contract, tort, delict, or any other legal foundation, and whether or not Turtlefin is advised of the possibility of such damages. To the extent permitted by law, the remedies stated for You in these T & C are exclusive and are limited to those expressly provided for herein.

Compliance with law including export control

You agree to use the Website in strict compliance with all applicable laws, rulings, and regulations and in a way that does not, in the sole judgment of Turtlefin, negatively reflect on the goodwill or reputation of Turtlefin and You shall take no action which might cause Turtlefin to breach any laws, rulings or regulations applicable to Turtlefin.

We, and Our Website are based in India and You agree to comply with all applicable restrictions and not to export or re-export the Content (including any software or the Services) to countries or persons prohibited under the applicable laws of India or other applicable export control laws or regulations. If You access and download the Content (including any software or the Services). You represent that You are not in a country where such export is prohibited or are not a person or entity to which such export is prohibited. You are solely responsible for compliance with the laws of Your local jurisdiction and any other applicable laws regarding the import, export, or re-export of the Content (including any software or the Services).

Notifications

You are consenting to receive promotional or transactional notifications or messages, as generated by the Website.

Opt-Out

You are provided with the opportunity to opt-out from receiving promotional or marketing-related communications from Us or on behalf of Our partners, and from Us in general, after accessing and entering Your information.

If You wish to remove Your information from all Turtlefin’s lists, newsletters and notifications, please click on the unsubscribe links in the emailer.

For opting out of receiving any transactional and promotional messages or notifications please reach out to us at marketing@turtlefin.com and we will assist You.

Governing Law and Jurisdiction

To the fullest extent permitted by law, these T&C are governed by the internal laws of India and courts in Mumbai, India will have exclusive jurisdiction.

Grievance Redressal

If You have any grievances or any concerns which You may have with respect to the information shared by You with Us hereunder, may be directed by You to the customer support of Turtlefin. You may contact Our customer support officer Mr. Anup Bauskar by sending an email to grievances@turtlefin.com.

Your complaint shall be acknowledged within 24 hours and disposed of within 15 days from the date of receipt of complaint. If Your complaint pertains to any material which exposes the private area, shows full nudity, depicts sexual act or is in nature of impersonation and/or pornography, the complaint shall be resolved within 24 hours from the receipt of complaint.

General

You may not assign these T&C or any of Your interests, rights, or obligations under these T&C. If any provision of these T&C shall be found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these T&C, which shall remain in full force and effect. You may preserve these T&C in written form by printing them for Your records.