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          Add Terms and Condition of Use
          .............................................................................................................................
          Following terms and conditions (for short 'Terms and Conditions') shall govern usage and access of this mobile application (for short 'Mobile App') by user/you (for short 'User' or 'you' or 'your'). User is requested to read these Terms and Conditions of this Mobile App carefully before installing Mobile App. If you do not agree to these Terms and Conditions then do not install this Mobile App. By installing Mobile App you are giving your acceptance to following Terms and Conditions of Mobile App:

          1. This Mobile App is developed and owned by JLT Independent Insurance Brokers Pvt Ltd having its registered office at A Wing, 4th floor, Unit no. 403, Peninsula Corporate Park, Ganpat Rao Kadam Marg, Off Senapati Bapat Marg, Lower Parel, Mumbai-400013 (for short 'JLT Independent').

          2. All intellectual property rights such as Trademarks, copyrights, designs, patents etc. in this Mobile App including any logos, designs, concept, program, codes etc. is owned by JLT Independent. Ownership in these Intellectual Property rights is not transferred to User of this Mobile App.

          3. User(s) shall not directly or indirectly through on his/her/its own replicate, reproduce, modify, decompile, reverse engineer, disassemble, transfer, exchange or translate this Mobile App or make attempt to those acts; or (ii) create derivative works of the Mobile App in any way.

          4. User shall use this Mobile App only for his/her personal use.

          5. Following are essential requirement of mobile phone for running on Android operating system to use and access Mobile App:

          i. Valid Google Account to access Google Play Store and to receive regular app updates and fixes.

          ii. An Android mobile phone working on Android version 4.2 or above

          iii. An Internet connection


          6. While using or accessing this Mobile App, User may require to insert and disclose his/her sensitive personal information. Terms and conditions governing such disclosure, insertion and use of sensitive personal information are mentioned in Privacy Statement of Mobile App which is available at Privacy policy. User should carefully read this Privacy Policy. Installing and/or accessing this Mobile App shall deem that User has read, accepted and agreed to such Privacy Policy.

          7. As per mobile network plan of User, User may be charged by the network Provider for access to internet connection services for the duration of the connection while accessing Mobile App or any such third party charges as may arise. JLT Independent is not and shall not liable and/or responsible for any such direct or indirect charges, costs, expenses etc. that may be charged to Users.

          8. JLT Independent will take necessary care to make the Mobile App working all times; however, User hereby accepts that Mobile App requires internet and mobile network connection to get full access of Mobile App and quality and access of Mobile App shall get affected by the factors outside the reasonable control of JLT Independent including without limitation internet and mobile network of User.

          9. Mobile App may contain links to other websites of interest or require having full access of this Mobile App. However, once you have accessed these links to leave this Mobile App, you should note that JLT Independent does not have any control over that those websites. Therefore, JLT Independent cannot be responsible for the protection and privacy of any information which you provide whilst visiting such websites and such websites are not governed by these Terms and Conditions.

          10. The Mobile App is provided on "as is" and "as available" basis without warranty of any kind.

          11. JLT Independent (including its directors, employees, consultants of JLT Independent or its group companies) do not accept any liability or responsibility of whatsoever nature for unavailability or not working of Mobile App.

          12. JLT Independent is not liable for any losses, damages, costs or expenses whether direct, indirect, special, punitive, exemplary or consequential arising out of or in connection with use of this Mobile App by User.

          13. These terms and conditions (including Privacy Policy) shall be exclusively governed as per laws of India without giving any reference to conflict of laws principal. Any disputes, claims or controversies arising out of or in connection with this Mobile App shall exclusively be referred to courts at Pune (India) jurisdiction.

          14. User has right to uninstall this Mobile App at any time.

          15. JLT Independent may make changes or alter these Terms and Conditions from time to time. JLT Independent will publish the changes in the Mobile Application. The changes or alterations will be effective when published. Please review these Term and Conditions regularly. You agree and accept after the date of publication of changed or altered Terms and Conditions your use or access or keeping Mobile App installed shall constitute your agreement to the changed or altered Terms and Conditions. If you do not agree with changed or altered Terms and Conditions, you may uninstall this Mobile App.

          16. JLT Independent in its sole discretion reserves right to deny or stop your access to Mobile App in the event you are using or accessing this Mobile App for fraudulent or illegal purpose.



          Add Privacy Policy
          .......................................................................................................................
          This Privacy Policy governs the manner in which JLT Independent Insurance Brokers Pvt Ltd (for short 'We' or 'Our' or 'us') collects, uses, maintains and discloses including but not limited to "Sensitive Personal Information" as envisaged under Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 , as may be applicable. This privacy policy applies to this mobile Application (Mobile App) and all products and services offered by JLT Independent Insurance Brokers Pvt Ltd through this mobile Application.

          When registering or accessing our Mobile App or doing any transaction from Mobile App, you/user may be asked to enter various information related with user including without limitation name, e-mail address, mailing address, phone number, credit/debit card information, Bank details or Name of Family Members, Health Details (for short 'Sensitive Personal Information'). You may, however, visit our Mobile App anonymously to the extent possible.

          Personal identification information
          We may collect Sensitive Personal Information from Users in a variety of ways, including, but not limited to, when Users visit/access our Mobile App, register on the Application, and in connection with other activities, services, features or resources we make available on our Mobile App. Users may be asked for, as appropriate, name, email address, and other sensitive personal information for registration on the mobile Application. We will collect Sensitive Personal Information from Users only if they voluntarily submit such information to us. Users can always refuse to supply Sensitive Personal Information; however in that situation it may prevent them from engaging fully the Application related activities.

          Non-personal identification information
          We may collect non-personal identification information about Users whenever they interact with our Mobile App. Non-personal identification information may include the technical information about Users such as means of connection to our Mobile App, operating system and the Internet service providers' utilized and other similar information.

          How we use collected information
          We collect and use Sensitive Personal Information for the following purposes:
          • To improve our Mobile App. We continually strive to improve our Mobile App offerings based on the information and feedback we receive from you.
          • To process any transaction/s through or on this Mobile App. We do not share this information with outside parties except to the extent necessary to provide the services to user.
          • To send periodic emails. The email address Users provide for order processing, will only be used to send them information and updates pertaining to their order. It may also be used to respond to their inquiries, and/or other requests or questions.

          How we protect your information
          We adopt appropriate data collection, storage and processing practices and security measures to protect your Sensitive Personal Information against unauthorized access, alteration, disclosure or destruction of your username, password, transaction information and data stored on our application. Sensitive and private data exchange between the Mobile Application and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.

          Sharing your personal information
          We do not sell, trade, or rent Users' Sensitive Personal Information to others. We may share generic aggregated demographic information not linked to any Sensitive Personal Information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may require to share the information (including Sensitive Personal Information) with government authorities and agencies for the purposes of verification of identity or for prevention, detection, investigation including cyber incidents, prosecution and punishment of offences. You agree and consent us to disclose your information (including Personal Sensitive Information), if so required under the applicable law and request/s from government authorities.

          Security
          We are committed to ensuring that your Sensitive Personal Information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

          Links to other mobile application
          Our mobile Application may contain links to other Mobile Applications of interest. However, once you have used these links to leave our Mobile App, you should note that we do not have any control over that other mobile applications. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such applications and such applications are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the mobile application in question.

          Third party mobile application / websites
          Users may find advertising, links to other websites or other content on our Mobile App that link to the applications/websites of advertiser, our partners, suppliers, , sponsors, licensors and other third parties. We do not control the content or links that appear on these applications/websites and are not responsible for the practices employed by mobile application/websites linked to or from our Application. In addition, these applications/ websites or services, including their content and links, may be constantly changing. These applications/websites may have their own privacy policies and customer service policies. Browsing and interaction on any other mobile application/websites, including mobile application which have a link to our application, is subject to that mobile application's/websites' own terms and policies.

          Changes to this privacy policy
          We have discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Mobile Application and revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are collecting, storing and using Sensitive Personal Information that we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

          Your acceptance of these terms
          By installing and/or using this Mobile App, you accept this policy. If you do not agree to this policy, please do not install and use our Application. Your continued use of the application following the posting of changes to this policy will be deemed your acceptance of those changes.

          Contacting us
          If you have any questions /grievance about this Privacy Policy, the practices of this Mobile App, or your dealings with this Mobile App, please contact our Grievance officer at serviceexcellence@jltindependent.com