INSURDEX - TERMS AND CONDITIONS OF USE

Effective Date: 01-07-2026

1. Acceptance

By accessing or using InsurDex ("Platform"), you agree to be bound by these Terms and Conditions. If you do not agree, you must not use the Platform.

2. Definitions

  • Platform means InsurDex and all associated web applications, mobile applications and services.
  • Company means the owner and operator of InsurDex.
  • User means any person or organization using the Platform.
  • Owner means an account holder authorized to create and manage users within their organization.

3. Eligibility

Users must be legally competent to enter into a binding contract and comply with all applicable laws.

4. User Accounts

Each user is responsible for maintaining the confidentiality of login credentials.

Users shall:

  • Use strong passwords.
  • Not share login credentials.
  • Immediately report unauthorized access.

The Company may suspend or terminate accounts involved in unauthorized or suspicious activities.

5. Permitted Use

The Platform may be used for insurance survey, loss assessment, claims management, document management, report generation, AI-assisted data extraction and other authorized business activities.

Users shall not:

  • Upload malicious software.
  • Attempt unauthorized access.
  • Reverse engineer the Platform.
  • Use the Platform for unlawful purposes.
  • Interfere with Platform operation.

6. User Data

Users remain owners of data uploaded by them.

The Company processes such data solely for providing Platform services.

Users are responsible for ensuring they have legal authority to upload documents.

7. AI and OCR Services

The Platform may use artificial intelligence and OCR technologies to assist in document extraction and assessment.

Users acknowledge:

  • AI-generated outputs may contain inaccuracies.
  • Users remain responsible for verifying all extracted information before relying upon it.
  • Final decisions remain the responsibility of the user.

8. Intellectual Property

All software, source code, interface designs, trademarks, logos, workflows and documentation remain the exclusive property of the Company.

Users receive a limited, non-transferable licence to use the Platform.

9. Availability

The Company aims to provide reliable service but does not guarantee uninterrupted availability.

Maintenance, upgrades and technical failures may temporarily affect access.

10. Subscription and Payments

Paid plans shall be governed by applicable subscription terms.

Failure to pay subscription charges may result in suspension or termination of services.

11. Data Security

The Company implements reasonable technical and organizational security measures to protect user data.

However, no online system can guarantee absolute security.

12. Backups

Users are encouraged to maintain independent backups of important documents.

The Company may maintain backups but does not guarantee recovery in every circumstance.

13. Limitation of Liability

The Platform is provided "as is" and "as available."

The Company shall not be liable for:

  • Loss of profits.
  • Business interruption.
  • Indirect or consequential damages.
  • Incorrect decisions made solely on AI-generated outputs.
  • Loss arising from inaccurate user-provided information.

Maximum liability shall not exceed the subscription fees paid by the user during the preceding twelve months, except where prohibited by applicable law.

14. Confidentiality

The Company shall maintain the confidentiality of user information except where disclosure is required by law or authorized by the user.

15. Suspension and Termination

The Company may suspend or terminate accounts for:

  • Violation of these Terms.
  • Illegal activities.
  • Security risks.
  • Non-payment.
  • Abuse of Platform resources.

16. Changes

The Company may modify these Terms from time to time.

Continued use of the Platform constitutes acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed by the laws of India.

Courts having jurisdiction at Ludhiana, Punjab, shall have exclusive jurisdiction over disputes unless otherwise required by applicable law.

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