Terms & Conditions

This document ("Terms of Use" or "TOU") is an electronic record under applicable Information Technology laws. It has been generated by a computer system and does not require physical authentication.

By accessing www.infinityarthvishva.com or the Infinity Arthavishva Advisory Pvt. Ltd. mobile application (the "Site" or "Website"), you agree to the terms of this legal agreement between you ("User") and Andromeda Sales and Distribution Private Limited (the "Company"). The Company is incorporated under the Companies Act, 2013, with its registered office at 7 Business Square by Naiknavare, Ganeshkhind Rd, Model Colony, Shivajinagar, Pune, Maharashtra 411016.

By using the Website/Mobile Application, you accept the following terms and conditions. Please read them carefully.

Definitions

1. "User", "Client", or "You" refers to the individual using the Website/Mobile Application.
2. "Company" refers to Infinity Arthavishva Advisory Pvt. Ltd. and its affiliates/subsidiaries.
3. "Site" or "Website" refers to www.infinityarthvishva.com and associated sites, including content such as software, materials, text, images, videos, and applications.
4. "Content," "Technology," and "Material" refer to the same as defined in Clause 3 of the TOU.
5. "Product" or "Services" refers to financial and insurance products and services, including general insurance, life insurance, and related services provided by the Company.
6. "Personal Information" refers to any personal or sensitive data provided by the User, as per applicable regulations.

Services

1. The Company distributes financial products like loans, mortgages, and insurance. By using the Website/Mobile Application, you agree to these terms. You are responsible for access fees (e.g., internet charges) and necessary equipment. By submitting your details, you express interest in the selected services. You consent to the Company contacting you via email, phone, or SMS regarding your interests, renewals, and promotional materials. You also consent to sharing your information with affiliates and partners for sales purposes.
2. The Company may suspend or terminate your access if you violate these terms, privacy policies, or applicable laws. Some provisions (e.g., disclaimer, indemnification) will survive termination. The Company may monitor your access as per its Privacy Policy and legal obligations. All materials on the Website/Mobile Application are the exclusive property of the Company. Unauthorized use of any content may violate copyright and trademark laws, resulting in legal action.
3. The User consents to the sharing of their information with third parties at the Company’s discretion, as necessary or recommended for providing effective services to the User. The Company may use this information to offer a more personalized online experience.
4. The User authorizes the Company to share their information with group companies and third parties, as required for lawful purposes related to the Company’s operations, including providing value-added services connected to the services selected by the User.
5. The User agrees that all agreements, notices, disclosures, and other communications provided electronically by the Company satisfy any legal requirement that such communications be in writing.
6. The User may review the information provided to the Company and request corrections or amendments if any information is found to be inaccurate or incomplete.
7. The Company is not responsible for the authenticity or accuracy of information provided by the User or third parties acting on behalf of the Company. However, the Company will take reasonable steps to ensure the accuracy and completeness of such information before use.
8. The User consents to the transfer of their information to anybody corporate or person in India or abroad, provided they ensure the same level of data protection as required under the Information Technology Act, 2000 and its Rules. The Company will retain and use the information as necessary to comply with legal obligations, resolve disputes, and enforce agreements.
9. The User agrees that no information on the Website/Mobile Application constitutes financial advice or a recommendation to purchase any product or service. The Company strongly advises the User to seek independent professional advice before purchasing any product or service.
10. The User understands that the Company is not liable for any information or quotations provided by third parties and service providers through the Website/Mobile Application. The products and services displayed are offered by third parties, not the Company, and the Company has no control over them.
11. The Company is not liable for any loss or damage incurred by the User while purchasing products or availing services from third parties on the Website/Mobile Application. The User is advised to carefully evaluate these products or services before purchase.
12. The Company is not responsible for any losses or damages resulting from the inability to access the Website/Mobile Application, from use of the Website/Mobile Application, or reliance on data transmitted through it, especially if caused by events beyond the Company’s control, such as issues with electronic data transmission over the internet. The Company is also not liable for any unforeseen losses or damages.
13. The User warrants that all information entered into the Website/Mobile Application is true and accurate.
14. The User agrees that their telephonic conversations with the Company’s support desk (via the contact numbers listed on the Website/Mobile Application) may be monitored or recorded for training and service improvement purposes. The User acknowledges that they will be charged by their network provider for any calls made.
15. The User understands that the products displayed on the Website/Mobile Application are examples and not recommendations to purchase specific credit cards or loans. The Company receives fees from certain lenders or credit card issuers who advertise or are linked to the Website/Mobile Application. The User is advised to carefully read the terms of any loan or credit card application, including applicable interest rates, early prepayment charges, and other fees before applying.

I. Feedback

Unless explicitly stated otherwise by the Company, all comments, feedback, information, or materials submitted to the Company via this Website/Mobile Application will be considered the Company's property. By submitting such content, the User agrees to assign all worldwide rights, including intellectual property rights, to the Company, free of charge. The Company may use, copy, publish, or distribute this content without any accountability to the User.

II. Ownership

The Website/Mobile Application contains various information, applications, content, advertisements, texts, photographs, designs, graphics, images, audio/video recordings, animations, and other materials ("Content"), which are protected by intellectual property rights owned by the Company, its affiliates, subsidiaries, or third parties. All trademarks and copyrighted content are the property of their respective owners. The Company retains all rights, title, and interest in the Website/Mobile Application, its technology, and underlying data, including any improvements or enhancements. You may not remove any copyright, trademark, or proprietary notices without prior written permission from the Company.

III. Permission to Use Materials

You are granted permission to electronically copy and print limited portions of the Materials on this Website/Mobile Application for personal, non-commercial use only. Except for personal use, none of the content may be copied, reproduced, distributed, downloaded, displayed, posted, transmitted, or reproduced in any form without the Company’s prior written permission. Any other use, including commercial purposes or modification, distribution, or republication, is strictly prohibited and may violate applicable copyright or trademark laws.

The User may not:
Modify, republish, redistribute, delete, resell, sublicense, publicly perform, or cache the Website/Mobile Application or Materials without written permission.
Use Materials for telemarketing, direct marketing, mass email, or by agents or spammers.
Reverse engineer, decompile, disassemble, copy, disclose, rent, lease, or sell the underlying source code or technology.
Use network monitoring software to extract information about the Website/Mobile Application or users.
Reformat or frame any portion of the Website/Mobile Application.
Use any device or software that interferes with the Website/Mobile Application’s proper functioning.
Take actions that impose unreasonable loads on the Website/Mobile Application’s infrastructure.
Attempt unauthorized access to other computer systems.
Violate the Terms of Use, applicable laws, or others' rights, or disrupt the Website/Mobile Application’s security.
All content on this Website/Mobile Application is protected by proprietary and intellectual property rights. Except as specifically permitted, no content may be reproduced, modified, distributed, or used for public or commercial purposes without prior written consent from the Company.

IV. Representations

The User is solely responsible for maintaining the confidentiality of their password and Login ID (if applicable) that allow access to the service. These credentials, along with any contact information provided, form the registration information ("Registration Information"). The User agrees to protect and monitor access to their account, ensuring no unauthorized use occurs. The Company recommends logging out after each session. The User must notify the Company immediately of any unauthorized account use or security breach. The Company will not be liable for unauthorized use unless it directly results from the Company's fault.
The User agrees to provide true, accurate, and complete information in their Registration Information and promptly update it as needed. The User will not misrepresent their identity or attempt unauthorized access to the Website/Mobile Application. Additional terms may apply to specific services, which the User should review carefully.

V. Eligibility and Use

By using the Website/Mobile Application and registering, the User confirms they are of legal age to form a binding contract and not barred from receiving services under applicable laws. The User will only use the Website/Mobile Application for legitimate purchases or services for themselves or for others they are legally authorized to represent. Users may only maintain one active account and cannot transfer or sell their account. If the User does not qualify, they may not use the Website/Mobile Application or its services.
The User agrees to provide accurate, up-to-date information. If the Company suspects any information is inaccurate, it may suspend or terminate the User's account. The User is responsible for keeping their account and password confidential and securing their device. The Company reserves the right to refuse service, terminate accounts, or modify content at its discretion. The Company can deny access to the Website/Mobile Application at any time for violations of the Terms of Use or Privacy Policy.

VI. Automated Activity

The Website/Mobile Application may use robot exclusion methods, such as robots.txt files and HTML meta tags, to control automated access to certain sections. The User agrees not to use robots, spiders, scrapers, or other automated tools to access the Website/Mobile Application for any purpose, including offline searches or mirroring, without express written permission from the Company. The User also agrees not to bypass any restrictions or measures put in place by the Company to prevent automated access.

VII. Third-Party Links/Offers

The Website/Mobile Application may include links to third-party websites or resources. As the Company has no control over these external sites, it is not responsible for their availability or content. The Company does not endorse and is not liable for any materials, advertisements, products, or services provided by these external resources. You acknowledge that your interaction with third-party links is at your own risk, and the Company has no liability for any damage or loss resulting from such interactions. The User’s details may be shared with advertisers on the Website/Mobile Application, and the Company is not responsible for any loss or damage arising from third-party conduct. The Company advises Users to conduct thorough background checks before engaging with any advertised services.

VIII. Customer Due Diligence Requirements (CDD)

You acknowledge that for any financial transactions through the Website, the Company may carry out due diligence and request mandatory KYC information, as required by law. You consent to the Company obtaining your credit information through authorized entities. The Company may collect sufficient information to verify your identity and the purpose of the insurance relationship. Payments for insurance premiums should only come from your personal or joint bank account. If payment is made from a third party’s account, the Company may perform enhanced due diligence. Refunds will be processed through the bank account used for the premium payment.

IX. User Understanding and Agreement to Section 41 of the Insurance Act

a) No person shall offer or accept a rebate, directly or indirectly, as an inducement for taking out, renewing, or continuing insurance in India, except as allowed by the insurer’s published guidelines.
b) Failure to comply with Section 41 of the Insurance Act, 1938 may result in penalties as prescribed by law.

X. Reasonable Security Practices and Procedures

The Company takes reasonable measures to protect user information in line with the Information Technology Act, 2000, and its rules. However, the Company is not liable for any loss of data that cannot be prevented despite prudent measures. The privacy policy is accessible through the provided link.
In case of unresolved disputes, the matter will be referred to arbitration as per the Arbitration and Conciliation Act, 1996. If the parties cannot agree on a sole arbitrator, each will appoint one, and they will jointly select a third arbitrator to serve as the presiding arbitrator. Arbitration will take place in Mumbai, with proceedings conducted in English. This clause does not affect either party’s right to seek interim relief in a court in Mumbai.

X. Reasonable Security Practices and Procedures

The Company takes reasonable measures to protect user information in line with the Information Technology Act, 2000, and its rules. However, the Company is not liable for any loss of data that cannot be prevented despite prudent measures. The privacy policy is accessible through the provided link.
In case of unresolved disputes, the matter will be referred to arbitration as per the Arbitration and Conciliation Act, 1996. If the parties cannot agree on a sole arbitrator, each will appoint one, and they will jointly select a third arbitrator to serve as the presiding arbitrator. Arbitration will take place in Mumbai, with proceedings conducted in English. This clause does not affect either party’s right to seek interim relief in a court in Mumbai.
The User agrees that disputes related to transactions involving third-party products or services on the Website/Mobile Application will be settled directly with the third party.

XII. Warranty, Liability, Indemnification

The information, products, and services on this Website/Mobile Application may contain errors, including pricing inaccuracies. The Company does not guarantee the accuracy of this content and reserves the right to correct any errors. All products and services are provided "as is" without warranties. The Company is not liable for errors or omissions by third-party service providers or for damages arising from the use of this Website/Mobile Application, including viruses or delays. The Company disclaims all liability for damages, whether direct or indirect.

XIII. Indemnity

You agree to indemnify and hold Infinity Arthavishva Advisory Pvt. Ltd. harmless from any claims, damages, or losses arising from your use of the Website/Mobile Application or breach of its terms. The Company reserves the right to assume exclusive defence of any indemnified claim.

XIV. Access

You are responsible for obtaining all necessary equipment and services to access and use the Website/Mobile Application. If accessing through a mobile device, you are responsible for any carrier fees. Infinity Arthavishva Advisory Pvt. Ltd. grants you a limited, personal use license, prohibiting activities such as copying content, caching, or using automated tools without permission. Unauthorized use will terminate this license.

XV. Amendment of Terms

These Terms may change over time. The Company will post updates, and significant changes will be highlighted. All content is owned by Infinity Arthavishva Advisory Pvt. Ltd. and cannot be reproduced without written consent.

XVI. Miscellaneous

The Company reserves the right to investigate violations of the Terms and take action, including reporting unlawful activities to authorities. Remedies for violations may include blocking access.
These Terms represent the entire agreement and supersede all prior agreements. Invalid provisions will be replaced, and the rest will remain in effect.
The Company does not guarantee availability or performance of the Website/Mobile Application. All advertisements must be approved by the Company. Unauthorized use of the Website for bulk emails or solicitations is prohibited.