Conditions of Use

By accessing this website or using the information on this website you accept these terms and conditions and waive any and all claims against Bhat Assurance International, its subsidiaries, affiliates, and employees, arising out of your use of this website or any material, information, opinions or recommendations contained therein. If you do not agree to these terms and policies, you should not use this site. Bhat Assurance International may at any time, without notice, make modifications, improvements and/or changes to these terms and conditions, the content of this website and/or the services referred to on this website.

Information and disclaimer

Although Bhat Assurance International has made reasonable efforts to include accurate and up to date information at the time of last revision, Bhat Assurance International makes no warranties or representations as to its accuracy or completeness. The information / services offered and materials contained in and/or advertised on www.bhatassurance.com, including, without limitation, text, graphics and links, are provided on an "As Is" basis with no warranty. Although the information on this website has been compiled in good faith to provide information about its services, Bhat Assurance International, its subsidiaries, affiliates or employees shall in no event be liable for any damages of any kind or nature whatsoever, including, without limitation, direct, indirect, special, consequential or incidental damages resulting from or in connection with the use of or access to this website or resulting from or in connection with the use of any materials, information, qualifications or recommendations on this website.

You agree not to add, alter, substitute or amend wholly or in part any information taken from this website. You also acknowledge that business growth potential, cost reduction and profitability is based on many factors and variables. You agree that Bhat Assurance International, does not guarantee and is not liable to you for your business profitability of your business by use of this Website. Bhat Assurance International does not warrant that the website or the servers that make this website available are free from viruses, Trojans, Malicious programs and code or anything else, which has contaminating or or destructive properties.

Privacy and Confidentiality

Bhat Assurance International may store or process personal data submitted voluntarily by visitors. By submitting personal data the visitor consents to the use of these data for the purpose of sending the visitor answers, news messages and/or other information, whether or not on a regular basis. If you do not want your personal data to be stored or processed, please do not submit it to us. Any communication or material you transmit to this site or the webmaster will be treated as non-confidential and non-proprietary. Included without limitation in the non-confidential and non-proprietary materials transmitted to this website are suggestions, ideas and comments. Bhat Assurance International is entitled to unrestricted use of any communication or material transmitted to this website, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the submission.

Intellectual property

Unless otherwise indicated, the materials displayed on this website, including, without limitation, all text, images, editorial materials, photographs, illustrations and other graphic materials, names, logos, trademarks and service marks, are the property of Bhat Assurance International and/or one of its subsidiaries, affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. You are not allowed to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any such material or any part thereof, although you may:

• print or download the material on this website for your non-commercial, informational and personal use; or


• copy the material on this website for the purpose of sending it, without any commercial objective, to individual parties for their personal information, provided that you acknowledge Bhat Assurance International as the owner and source of the material and that you inform the third party that these terms and conditions apply to them and that they must comply with them.

Any other use of intellectual property contained on this website requires permission from Bhat Assurance International except as expressly provided above, nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright or any other property of Bhat Assurance International or any third party.

Applicable Law

In case of any dispute or difference arising from these terms and conditions, the Courts at New Delhi, India will have exclusive jurisdiction.