By accessing and using this website and related services, you agree to these Terms and Conditions, which include our Privacy Policy.
Thank you for visiting our website. Insure.One is an owned domain of Sencov Technologies Pvt Ltd. Our insurance policies may be underwritten by the insurers listed in the footer of this website. By accessing and using this website and related services, you agree to these Terms and Conditions, which also incorporate our Privacy Policy.
In these Terms, "we," "us," and "our" refer to Sencov Technologies and its affiliates.
1. Registration
When you create a quote, an account is generated. Each quote has a reference number which can be used with your email address or mobile number to access your account. You are responsible for keeping this information confidential and for all activities under your account. By using our services, you agree to comply with these Terms.
We may process your personal information as outlined in our Privacy Policy. This includes using your data for transactional communication and marketing purposes until you opt out. We may share your data with service providers or regulatory bodies as necessary.
2. Collection Notice
By providing personal information, you consent to its collection, use, storage, and disclosure in accordance with our Privacy Policy and these Terms.
Our Privacy Policy also outlines how you can access or correct your data and how to file complaints.
3. Information Accuracy and Availability
While we strive for accuracy, the content on this site is general and may not reflect the most current terms or policy details. We do not guarantee uninterrupted access or information accuracy and accept no responsibility for errors or omissions.
You are responsible for taking appropriate precautions to protect your devices from viruses or malicious threats when using our site.
4. Purchases and Payments
4.1 Payment Terms
By proceeding with a payment, you agree to these Terms. Your credit or debit card will be charged the amount displayed. Any applicable fees will be shown, and your billing statement will reflect "Insure.One."
You confirm that the payment method is authorized and suitable for your intended purchase. You are also responsible for reviewing and understanding your policy's terms and conditions.
4.2 Cancellations & Refunds
Cancellation policies vary by product and insurer. You may cancel your coverage within the allowable timeframe stated in your policy documents.
Where applicable, refunds will be processed within 7–10 business days of approval. Please review individual policy documents for specific rights and conditions.
5. Linked Websites
Our website may contain links to third-party websites. These are provided for your convenience. We do not endorse or take responsibility for the content, accuracy, or security of external sites.
6. Intellectual Property
All intellectual property on this website belongs to us or is used with permission. Any content created by you on the platform remains yours, but you grant us a royalty-free license to use, display, and distribute such content for service delivery and improvement.
Unauthorized use, reproduction, or distribution of website materials is prohibited.
7. Personal Use Only
This website is provided for personal and non-commercial use. You may not reproduce, modify, distribute, or sell any part of our content or services for commercial gain without written consent.
8. Prohibited Conduct
You agree not to:
- Breach the privacy or data rights of others
- Use the platform for defamatory, libelous, or abusive behavior
- Upload files containing malware or viruses
- Post or distribute unlawful, threatening, obscene, or discriminatory content
We reserve the right to remove or restrict content or access at our discretion.
9. Communication via Messaging Platforms (e.g., WhatsApp)
By providing your phone number and opting in, you consent to receiving service updates, claims support, and relevant promotional content via messaging platforms, including WhatsApp. These communications are subject to WhatsApp's own terms and privacy policies (operated by Meta Platforms Inc.).
You can opt out of such communications at any time by contacting us or using the in-app controls.
WhatsApp conversations may be stored for support, quality assurance, or legal purposes. For any concerns regarding your messaging data, please contact us at care@insure.one.
10. Security Practices
We take reasonable technical and organizational measures to protect your data from unauthorized access, disclosure, or misuse. These include encryption, access restrictions, and secure infrastructure. However, no system can be guaranteed 100% secure.
11. Warranties and Disclaimers
To the maximum extent permitted by law, we make no warranties about the accuracy, availability, or functionality of the website or its content. We may suspend or terminate your access without prior notice if terms are breached.
12. Limitation of Liability
We shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:
- Use or inability to use our services or website
- Errors or inaccuracies on the site
- Delays or communication failures
This limitation applies to the fullest extent permitted by applicable law.
13. Governing Law and Jurisdiction
These Terms are governed by the laws of India. You agree to submit to the non-exclusive jurisdiction of the courts of India for the resolution of any disputes.