Terms and Conditions

Introduction

https://www.turtlefin.com/ / (the " Web site") is owned and operated by a company named “Fintech Blue Solutions Pvt. Ltd" (Turtlefin). Turtlefin.com is a Web site of Fintech Blue Solutions and it’s an insurance technology (Insurtech) company. Our products help insurance intermediaries to digitize insurance sales and services making sure that the end consumer gets a modern experience. (“Services “)

Please read these Terms and Conditions ("T&C") carefully before accessing the Web site 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 Web site (collectively referred to as “Content”). By using or accessing the Web site, you agree to become bound by all the T & C. If you do not agree to all the T & C, please do not access the Web site.

Privacy Notice

By Accessing the Content under the following T & C, you also agree to accept our Privacy Policy which is available on the Web site itself, regardless of whether you have read the same or not. Further, by providing information including any personal information of any individual to Turtlefin, you represent to Turtlefin that You have obtained all necessary consents for the processing of such personal information.

Scope of the T&C

These T&C will govern Your use of the Web site and all applications, software and services available via the Web site, 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 Web site ("Service Agreement(s)"). Any such Service Agreements will supersede over these T & C.

Modifications

Turtlefin may revise and update these T & C at any time. Your continued usage of the Web site after any changes to these T & C will be deemed as acceptance of such changes. Any aspect of the Web site may be changed, supplemented, deleted, or updated without notice, at the sole discretion of Turtlefin. Turtlefin may also change or impose fees for products and services provided through the Web site at any time, at its sole discretion. Turtlefin may establish or change, at any time, general practices and restrictions concerning other Turtlefin 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 Web Site and its contents (the "Content") are the sole property of Turtlefin, its affiliates or third parties authorised by Turtlefin. 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 Web Site in any way without Turtlefin’s 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 Web Site, 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 Web Site.
You will not place false or misleading information on the Web Site.
You will not use or access any service, information, application, or software available via the Web Site in a manner not expressly permitted by Turtlefin.
You will not input or upload to the Web Site 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 Web Site or Information or that infringes the Intellectual Property rights of another.
Certain areas of the Web Site are restricted to customers of Turtlefin.
You may not use or access the Web Site or the Turtlefin Systems or Services in any way that, in Turtlefin ‘s judgment, adversely affects the performance or function of the Turtlefin Systems, Services or the Web Site or interferes with the ability of authorised parties to access the Turtlefin Systems, Services or the Web Site.
You may not frame or utilize 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 Web Site may contain links to third-party Web Sites and resources (referred to collectively hereinafter as "Linked Sites"). These Linked Sites are provided solely as a convenience to You and not as an endorsement by Turtlefin of the content of such Linked Sites. Turtlefin makes no representations or warranties regarding the correctness, accuracy, performance or quality of any content, software, service or application found at any Linked Site. Turtlefin shall not be responsible for the availability of the Linked Sites or the content or activities of such sites. If You decide to access Linked Sites, You do so at Your own risk. In addition, Your use of Linked Sites is subject to any applicable policies and T & C , including but not limited to, the Linked Site's privacy policy.

Inbound Links. Linking to any page of the Web Site other than to https://www. Turtlefin.com through a plain text link is strictly prohibited in the absence of a separate linkage 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 it 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 Turtlefin, at its sole discretion, may terminate or suspend Your use of the Web Site, the Turtlefin Systems, Information, Services and Content at any time and for any or no reason at its sole discretion, even if access and use continue to be allowed to others. Upon such suspension or termination, You must immediately

discontinue Your use of the Web Site, and
destroy any copies You may have made of any portion of the Content.
Accessing the Web Site, the Turtlefin Systems, Information 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 Web Site, the Turtlefin Systems, Information and/or the Services.

Policy cancellation and Refund Policy

Policy cancellation and refund of the premium shall be as per the terms and conditions of the policy issued by the insurer.

Disclaimer of warranties

Turtlefin makes no representations about the results to be obtained from using the website, the Turtlefin systems, the services, the information or the content. The use of same is at your own risk. The website, the information, 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 web site or the Turtlefin systems. No information obtained by you from the website shall create any warranty not expressly stated by Turtlefin 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 web site 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, the Turtlefin 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 Web Site in strict compliance with all applicable laws, rulings, and regulations and in a fashion 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 be in breach of any laws, rulings or regulations applicable to Turtlefin.

Fintech and the Web Site are based in India. 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 India or other applicable export control laws or regulations. If You access and download the Content (including any software or the Services) or Information, 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).

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 jurisdiction.

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.