Legal Pages

• i Kavach Solutions LLP is proprietorship firm administrating by Ankur B Vekaria (hereinafter referred to as Proprietor) operates the website https://www.iagentkavach.com to provide consumers choice and an easy access to Insurance Agents and insurance Brockers for to buy Products. These Products giving facilities to digital work on one single platform by multiple Insurance companies, Agents and sub-Agents.

• Proprietor has no liability in relation to or arising any types of issues out of the Website Information and Website recommendations and purchase. As a customer, you are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a products or its terms and conditions ,you should seek further advice from Proprietor or the relevant participating insurers or any other at your end before choosing your product.

• Our participating insurers provide most of the information with respect to their products available on their website and therefore there may be inaccuracies in the Website Information over which Proprietor has limited control.

• Proprietor does not warrant or guarantee the timeliness, accuracy or completeness of the Website Information or Quality of the results obtained from the use of the Website.

• Proprietor may pass on your personal information to the relevant participating insurer for only Insurance work, if you purchase a product from Proprietor however, Proprietor does not guarantee when or if you will actually acquire the product that you have chosen. Prorpietor does not accept any liability arising out of circumstances where there is delay in you acquiring the product you have chosen.

• By visiting https://www.iagentkavach.com and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as ‘User Agreement’), along with the terms and conditions as stated in our Privacy Policy (please refer to the Privacy Policy section below for more information).

• This User Agreement, together with our Privacy Policy, governs your use of the iAgent Kavach Web Application (this website), the iAgent Kavach Mobile Application (for insurance agents), and the BimaBag Mobile Application (for policyholders and customers), all developed and operated by i Kavach Solutions LLP.

• This agreement is in effect as of 1st Sept 2022

• Proprietor reserve the right to change this User Agreement from time to time without notice. You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.

Responsible Use and Conduct

• By visiting https://www.iagentkavach.com and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as ‘Resources’), you agree to use these Resources only for the purposes intended as permitted by (i) the terms of this User Agreement, and (ii) applicable laws, regulations and generally accepted online practices or guidelines.

Wherein, you understand that:

• • In order to access our Resources, you may be required to provide certain information about yourself (such as identification, contact details, etc.) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date.

• • You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.

• • You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.

• • Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited and its take as illegal

• • Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited and its take as illegal.

• • You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.

• • We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product and Proprietor ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen or monitor the content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that:

• o Threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language is takes as illegal;

• o Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;

• o Contains any type of unauthorized or unsolicited advertising.

• o Impersonates any person or entity including any https://www.iagentkavach.com employees or representatives.

• We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us.

• • We do not assume any liability for any content posted by you or any other 3rd party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any 3rd party copyrights or trademarks, becomes the property of Proprietor and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our Resources. All information provided as part of our registration process is covered by our privacy policy.

• • You agree to indemnify and hold harmless Prprietor and its affiliates, and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement or the failure to fulfil any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defence of any claim for which we are entitled to indemnification under this User Agreement. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Privacy

• Your privacy is very important to us, which is why we’ve created a separate Privacy Policy in order to explain in detail how collect, manage, process, secure, and store your private information. Our privacy policy is included under the scope of this User Agreement. To read our privacy policy in its entirety, click here.

Limitation of Warranties

• By using our website, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that:

• • The use of our Resources will meet your needs or requirements.

• • The use of our Resources will be uninterrupted, timely, secure or free from errors.

• • The information obtained by using our Resources will be accurate or reliable, and

• • Any defects in the operation or functionality of any Resources we provide will be repaired or corrected.

Furthermore, you understand and agree that:

• • Any content downloaded or otherwise obtained through the use of our Resources is done at your own discretion and risk, and that you are solely responsible for any damage to your computer or other devices for any loss of data that may result from the download of such content.

• • No information or advice, whether expressed, implied, oral or written, obtained by you from proprietor or through any Resources we provide shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this User Agreement.

Limitation of Liability

• In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. WE will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using our Resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.

Copyrights/Trademarks

• All content and materials available on Proprietor website, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Proprietor and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by Proprietor.

Termination of Use

• You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the Resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

Governing Law

• This website is controlled by Prprietor from our offices located at SURAT in the state of Gujarat, India. It can be accessed by most countries around the world. As each country has laws that may differ from those of Gujarat & India, by accessing our website, you agree that the statutes and laws of Gujarat & India, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the purchase of any products or services through this site.

• Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts located at Surat ,Guajart in India,You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Guarantee

• Unless otherwise expressed, "i Kavach Solutions LLP". expressly disclaims all warranties and conditions of any kind , whether express or implied, including ,but no limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non – infringement.

Claims Services

• • Any third party facility/offer(s)/service(s)/product(s) (“offer”) shall be subject to the terms and conditions of such third party which shall be applicable to the user. Prprietor do not endorse, make no representation and shall have no liability or obligation whatsoever in relation to such third party offer. All such third party offer shall be availed by user at their own risk and responsibility. Proprietor shall not be liable for any payment obligation in relation to such third party offer, which shall be user's responsibility.

• • Prprietor reserves the sole right to modify, amend, change, refuse or revoke their respective services, any offers including third party offer herein at any time without assigning any reason and without any liability and notice.

• • Any disputes arising pursuant to these terms and conditions are subject to the exclusive jurisdiction of courts in SURAT in the state of Gujarat,India.

1. Service

• The website and mobile application provide you with information about our services and their packages. By using our website or mobile application and providing your personal information, you hereby confirm that you are interested in using and paying for the service(s) that you have chosen. By signing this agreement, you permit i Kavach Solutions LLP to get in touch with you by phone or email to gauge your interest in the chosen service(s) and to meet your needs. You consent to receiving email or SMS messages from i Kavach Solutions LLP with marketing materials and/or exclusive offers.

1.1 Our Digital Platforms

• References in these Terms of Use to "the site," "the app," or "mobile application" (collectively, the "Platforms") mean the iAgent Kavach Web Application (this website, used by insurance agents to manage their business), the iAgent Kavach Mobile Application (the companion mobile app for agents), and the BimaBag Mobile Application (used by their customers to view and manage their policies). All three Platforms are operated by i Kavach Solutions LLP and are subject to these Terms of Use.

2. User Representations

• By using the site and the app, you represent and warrant that:

(1) You are not a minor in the country where you now reside.

(2) You agree that the registration data you provide is true, accurate, current, and comprehensive.

(3) You will maintain such information accurately and immediately update such registration information as required.

(4) You are of legal age and agree to abide by these terms of use.

(5) Except as expressly stated herein, you will not access the site, application, or smart contracts by automated or non-human means, whether by bot, script, or otherwise.

3. Registration

• You may be required to register with the site and the app. You agree to keep your user name and password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

4. Prohibited Activities

• You may not access or use the site and the app for any purpose other than that for which we make them.

a. Use our support services improperly or make fake or false accusations of abuse or misconduct.

b. Engage in unauthorised framing of or linking to the site and the application.

c. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.

d. Interfere with, disrupt, or create an undue burden on the site, the application, or the networks or services connected to the site.

e. Attempt to impersonate another user or person, or use the username of another user.

f. Sell or otherwise transfer your profile.

g. Attempt to bypass any measures of the site designed to prevent or restrict access to the site, or any portion of the site and the application.

h. Delete the copyright or other proprietary rights notice from any content.

i. Use the site and the application in a manner inconsistent with any applicable laws or regulations.

5. Submission

• You agree and acknowledge that we shall have all questions, comments, suggestions, ideas, feedback and other content that you send us on the Site and Application. These submissions are non-confidential and were made at our request. We shall have exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions without acknowledgment or compensation to you for any lawful purpose, commercial or otherwise.

6. Third Party Website and Content

• We may link to other websites whose privacy policies may be different. i Kavach Solutions LLP does not provide any of the personal information and/or data to any third-party websites. If you submit any of your personal information and/or data, it will be governed by their privacy policy. We request that you read the policy of any third-party website before visiting. We do not accept any responsibility or liability for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such site, mobile application, or resource.

7. Termination

• Without limiting any other provision of these terms of use, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the site, the app, and the smart contract (including blocking certain IP addresses) to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these terms of use or of any applicable law or regulation. We may terminate your use or participation in the site, the app, and the smart contract or delete your account without warning, in our sole discretion.

• If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating and suspending your account, we reserve the right to take appropriate legal action, including, without limitation, pursuing civil and criminal. These Terms of Use remain in full force and effect while you use the site and the application.

8. Governing Law and Jurisdiction

• This Agreement shall be construed, interpreted, and governed by the laws of India, and the courts in Ahmedabad shall have exclusive jurisdiction with regard to the subject matter of this Agreement. i Kavach Solutions LLP maintains control over and manages this website from its Surat, India, headquarters and makes no claims regarding the suitability or accessibility of the materials therein for use outside of India.

9. Secured Area

• Attempts by unauthorised users to access these portions of the site or mobile application may result in legal action.

10. Limitation of Liability

• You understand and agree that we, our subsidiaries, affiliates, and licensors will not be liable to you or to any third party for any indirect, incidental, special, consequential, or exemplary damages which you may incur, howsoever caused and under any theory of liability, including, without limitation, any loss of profits (whether incurred directly or indirectly), loss of goodwill or business reputation, loss of data, cost services, or any other intangible loss, even if we have been advised of the possibility of such damages. You agree and acknowledge that we have made the site and the app available to you and entered into these terms in reliance upon the warranty and limitations of liability set forth herein, which reflect a reasonable and fair allocation of risk between the parties and form an essential basis of the bargain between us. We would not be able to provide the site, the app and the smart contracts to you without these limitations.

11. Indemnification

• You undertake to defend, hold harmless, and indemnify us, our subsidiaries, affiliates, and each of our officers, agents, partners, and employees, from and against any loss, damage, responsibility, claim, or demand made by a third party due to or arising out of

a. By using the website

b. A violation of these Terms of Use

c. Any violation of the warranties and representations you provided in these terms of use

d. Your violation of the rights of a third party, including but not limited to intellectual property rights, or

e. Any harmful act towards any other use of the site and the app with whom you connected via the site and the app.

• Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding that is subject to this indemnification upon becoming aware of it.

12. No Warranty

• You agree that your use of the website and services is at your sole and exclusive risk and that any services provided by us are on an “as is” basis. i Kavach Solutions LLP hereby expressly disclaims any and all express or implied warranties of any kind. i Kavach Solutions LLP makes no warranties that the website or services will meet your needs or will be uninterrupted, error-free, and/or secure. It also makes no warranties.

13. Communication

• You agree to receive communications from i Kavach Solutions LLP electronically. You are in an electronic conversation with i Kavach Solutions LLP when you use the site, the mobile application, or send emails to us. i Kavach Solutions LLP may contact you by phone, email, sending notifications on the website or mobile application, or another typically used method of communication. You acknowledge and agree that we may provide you with agreements, notifications, disclosures, and other communications in writing to the extent necessary to comply with the legal requirements that these communications take the form of writing.

14. Changes

• We may change and/or update this policy from time to time at our sole discretion. By continuing to use the site or providing us information through your use of the site after we make a change to the privacy statement, you accept the updated provisions in the privacy statement. i Kavach Solutions LLP reserves the right to add, alter, or delete any or all parts of this policy at any time. Changes to the policy will be effective when we post them. We encourage you to review the policy regularly.

15. IPR

• i Kavach Solutions LLP is the owner of the trademarks, logos, and service marks used on the website and mobile application. Any content made available on or through the site or mobile application may not be changed, copied, distributed, transmitted, displayed, published, sold, licenced for commercial or public purposes, or transformed into other works.

16. Survival

• Any clause in these Terms of Use that imposes ongoing responsibilities on a party will remain in effect even after these Terms of Use are terminated, regardless of any other clauses.

17. Grace Period Policy

• Monthly Mode subscribers will receive a 5-day grace period from the subscription due date to make their payment.

• Yearly Mode subscribers will receive a 7-day grace period from the subscription due date to make their payment.

• The subscription will start from the subscription due date, regardless of the payment date within the grace period.

18. Re-Activation (Revival) Policy

(1) If a subscriber does not pay their subscription by the end of the grace period, the subscription will be considered broken.

(2) The period from the Subscription Due Date to the Re-Activation Date will be treated as a Broken Period Subscription.

(3) The maximum duration of a broken period is 180 days(6 Months).

(4) To reactivate the plan, the subscriber must pay the subscription fee for the lapsed(broken) period according to the selected reactivation plan.

(5) Subscribers can also choose to upgrade their current plan during the reactivation process.

(6) The new subscription period will start from the Re-Activation Date.

(7) Subscribers can revive their subscription within 180 days(6 Months) of the broken period. After that, they must register again as a new user.

(8) We will retain subscriber data for a maximum of 180 days(6 Months) during the broken period. After this period, the system will automatically delete all data, including Client ID, profile, and other associated information.

(9) Subscribers cannot make any claims related to their data.

(10) If a subscriber reactivates after a price list revision, the revised prices will apply to the reactivation or revival.

(11) Subscribers must comply with all company "Rules and Regulations", and any revival policies as stated on the official website.

19. Upgrade or Downgrade Plan Policy

• Upgrade Plan:

(1) If a subscriber exceeds the limits of their current plan (e.g., number of Policies, Clients, or Documents as defined in the Price List), they will be required to upgrade to a higher plan.

(2) A subscriber cannot select a lower plan during an upgrade. Any credit for the remaining days on the current plan will be adjusted against the payable amount for the newly upgraded plan.

(3) Subscribers may also upgrade their plan during reactivation (revival), renewal, or at any time they wish.

• Downgrade Plan:

(1) If a subscriber is not fully utilizing their plan features (e.g., Policies, Clients, or Documents), as defined in the Price List, they may choose to downgrade their plan to reduce costs.

(2) The subscriber can downgrade to any lower plan, provided their existing data (Policies, Clients, Documents) fits within the limits of the selected lower plan.

(3) A subscriber cannot downgrade to a plan that has lower limits than their currently stored data allows (as per the Price List).

(4) Any credit for unused days of the current plan will be adjusted against the amount payable for the next renewal.

(5) Subscribers can also downgrade their plan at the time of reactivation (revival), renewal, or any time they choose.

20. Contact Information

• In case of any discrepancy or grievance, you may contact us via phone, email, or by visiting the Contact Us page on our website.

Name : Ankur Vekaria

Number : 9824701070

Email : [email protected]

Last Updated Date : 13.12.2022

1. Principles

• iAgent Kavach is committed to processing data in accordance with its responsibilities under the applicable laws and regulations.

• This policy applies equally to personal data processed through the iAgent Kavach Web Application (this website), the iAgent Kavach Mobile Application, and the BimaBag Mobile Application.

• Personal Data shall be:

• a. Personal Data should be processed in accordance with applicable laws and regulations. Also, it be in fair and transparent manner in relation to each and every individual;

• b. The data collected should be clear, unambiguous, and legitimate purposes and not processed further for a purpose that is inconsistent;

• c. In relation to the purposes for personal data which is being process are sufficient, pertinent, and strictly limited to what is necessary;

• d. every reasonable step must be taken to ensure that personal data that are inaccurate, having regard to the purposes for which they are processed, are erased or rectified without delay;

• e. Date should be accurate and updated as and when it is necessary;

• f. stored in a format that permits data subjects to be traced for no longer than is essential to accomplish the purposes for which the personal data are processed.

• g. processed with suitable technical or organizational safeguards that ensure the personal data's security, including protection against unauthorized or unlawful processing and accidental loss, deletion, or damage.

2. General Provisions

• By using the Site and the App, you represent and warrant that:

• a. All personal data that the iAgent Kavach processes is covered by this policy.

• b. The Responsible Person is in charge of ensuring that the Organization abides by this policy.

• c. This policy shall be reviewed periodically.

3. Transparent Processing

• a. iAgent Kavach shall maintain appropriate Systems in order to guarantee that its handling of data is righteous, equitable, and transparent.

• b. The System shall be reviewed periodically.

• c. Individuals are entitled to access their personal data, and the iAgent Kavach will respond promptly to any requests made in this regard.

4. Purpose

• a. The following legal basis must be used by the iAgent Kavach to process any data: consent, contract, legal obligation, vital interests, governmental task, or legitimate interests.

• b. iAgent Kavach shall note the appropriate lawful basis in the Systems.

• c. Evidence of opt-in consent must be stored with the personal data when consent is used as a legal basis for processing it.

• d. When communications are delivered to individuals with their consent, the individual should have a clear way to withdraw that consent, and processes should exist to guarantee that such a withdrawal is appropriately registered in the iAgent Kavach's systems.

5. Data Minimisation

• In regard to the purposes for which they are processed, iAgent Kavach shall guarantee that personal data are adequate, relevant, and limited to what is necessary.

6. Accuracy

• a. iAgent Kavach may take reasonable measures to ensure the accuracy of personal data.

• b. Steps shall be taken to guarantee that personal data is maintained updated when necessary for the legal basis for data processing.

7. Removal

• a. To ensure that personal data is kept for no longer than necessary, the Organisation shall put in place an archiving policy for each area in which personal data is processed and review this process annually.

• b. The removal policy will take into account what information should or must be retained, why, and for how long.

8. Security

• a. iAgent Kavach shall ensure that personal data is stored securely and kept-up-to-date.

• b. Access to personal data shall be limited to personnel who need access and appropriate security should be in place to avoid unauthorized sharing of information.

• c. When personal data is erased, it should be done securely so that it cannot be recovered.

• d. Solutions for disaster recovery and appropriate backup shall be in place.

9. Breach

• iAgent Kavach shall rapidly evaluate the risk to people's rights in the event that a security breach results in the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, personal data.

1. General

• i Kavach Solutions LLP (here after referred to as “Company” and Anywhere in this IP policy where the term "Company" is used, it also refers to its subsidiaries and affiliates) has a successful intellectual property policy and rules for managing intellectual property to ensure complete transparency about IPR-related problems such as ownership, rights and obligations of employees and company, rights and obligations of customers and company, disclosure of work or invention, non-disclosure of confidential information, liabilities in case of misappropriation of IP, or the strategic resolution of IP-related conflicts.

• One of our most valuable assets is intellectual property (IP). As we create our services, operate our company, and engage with business partners, we also wish to protect the intellectual property of others. For us to succeed in the market, different kinds of intellectual property, such as trademarks, patents, copyrights, trade secrets, domain names, and design rights, are essential. We have a constant policy of identifying its intangible assets, prioritising them in accordance with its business strategies, and registering, utilising, and protecting them to maximise the benefits of IP in terms of revenue, reputation, and market share. Our IP Policy also aims to effectively manage and protect its own intellectual property, both internally and with its partner companies.

• This IP Policy applies to all intellectual property embodied in or associated with the Company's digital products, including the iAgent Kavach Web Application, the iAgent Kavach Mobile Application, the BimaBag Mobile Application, and any related software, source code, branding, or content.

2. Purpose

• With the use of this IP policy, the company will be able to manage its intellectual property (IP) in a transparent manner, including ownership, control, and transfer. We own, control, and manage all intellectual property (IP) that it has created or acquired. In order to safeguard our own intellectual property and reduce the risk of violating the rights of i Kavach Solutions LLP or third parties, we adopted this policy. With the help of this IP policy, our company will be able to govern, transfer, and own the intellectual property that it has produced.

3. Scope

• All of our organisation's employees, representatives, and agents, including our subsidiaries and affiliates, are bound by our IP policy.

4. Applicability

• All of the company's employees, representatives, and agents, including its subsidiaries and affiliates, are subject to the terms of this IP policy.

5. Policies, Procedures and Records Maintenance

• The company will actively defend its own IP. The company must keep an efficient system in place for managing its intellectual property assets, including an inventory and records of all its linked assets and contracts. The business must protect intellectual property (IP) and operate in accordance with any agreements it has with other businesses as well as the IP-related regulations that apply in the Republic of India. All significant uses and transactions involving the exercise of IP rights by the company must be documented and kept in writing. The company shall demand that all of its personnel comply with all applicable IP laws through enforceable rules or agreements with employees, agents, and the company's IP regulations and IP-related clauses in contracts with other businesses. A management system must be created and put into place by the company to help guarantee that all employees adhere to its IP regulations. All IP-related policies, practices, and adequate and correct records must be included in this management system in order to implement, evaluate, and enhance the company's IP protection and compliance programme.

6. Compliance Team

• IP management and protection for the company will be carried out by a cross-functional compliance team, which will be supervised by senior management.

• In order to fulfil their obligations under this IP policy, the aforementioned compliance team may recruit or retain any advocate or expert from both inside and outside the company.

7. Risk Assessment

• We shall include in our risk assessment for services and business opportunities any relevant IP protection risks. The company will perform an initial risk assessment and due diligence on all potential business partners, which must include a review of the management and protection of those companies' intellectual property (IP).

8. Security and Confidentiality Management

• The company shall maintain security at all levels to effectively safeguard trade secrets (where applicable), other confidential information, materials, and records connected to intellectual property (IP). Trade secrets and other proprietary information should only be disclosed to third parties when they have a justifiable need to know about it and only in accordance with corporate policies and written agreements that include sufficient confidentiality and other protections. Before disclosing any of the company's private information to any third party, the company shall execute written confidentiality or non-disclosure agreements with such parties. Further, unless otherwise approved by the Company in writing or as may be required by the relevant IP law, the Company shall hold the sole and exclusive ownership of any IP generated, developed, or created.

9. Training

• All relevant employees will receive regular, level-appropriate training from the company on IP protection and management. In order to safeguard and manage IP, the company must train relevant supply chain participants at the appropriate level.

10. Monitoring and Measurement

• The company shall set up and maintain a system to track its compliance with the company's applicable IP policies. In order to properly evaluate all of its departments, the company must take into account the data obtained from the IP compliance team through the monitoring system.

11. Corrective Action and Improvements

• The company shall establish a system that will monitor and address issues with IP protection, management, and compliance that are discovered during the monitoring process. The company creates a periodic or other ongoing planning strategy for IP management, protection, and compliance.

• The compliance team of the company would first look into the situation in collaboration with its advocates and make recommendations to the management for resolution of such violations or infringements, including the need for any legal course of action. This would happen in the event that any employee, representative, or other third party violated or infringed upon any of the company's intellectual property.

12. Licencing and Transfer

• Through a variety of licencing strategies, such as exclusive licencing, sole licencing, non-exclusive licencing, sub-licensing, and general licencing practices, the company may licence its intellectual property to any of its subsidiaries, affiliates, or third parties. Each licence agreement shall establish the terms and conditions for the appropriate use of the company's intellectual property, and the company shall document such IP licencing pursuant to such licence agreements.

13. Disciplinary Action

• Any violation of this policy may result in disciplinary action, up to and including termination of employment or services.

14. Jurisdiction

• The laws of the Republic of India shall govern this policy, and the courts located in Ahmedabad, Gujarat, shall have exclusive jurisdiction over it.

• i Kavach Solutions LLP is a Limited Liability Partnership (LLP) duly incorporated under the provisions of the Limited Liability Partnership Act, 2008 (India).

• The Company is engaged in the business of designing, developing, licensing, hosting, operating, managing, maintaining, marketing, and providing technology-based software products, Software-as-a-Service (SaaS) platforms, mobile applications, websites, cloud solutions, APIs, and other digital services primarily for Insurance Agents, POSPs, Insurance Intermediaries, Insurance Marketing Firms (IMFs), Financial Advisors, Brokers, and other allied financial service professionals.

• This includes, without limitation:

  • iAgent Kavach Web Application – A Software-as-a-Service (SaaS) platform designed for Insurance Agents, POSPs, Insurance Intermediaries, IMFs, Brokers, and Financial Advisors to manage customer records, insurance policies, claims, renewals, reminders, documents, communications, and other business-related activities.

  • iAgent Kavach Mobile Application – A companion mobile application for registered insurance agents that provides secure access to their iAgent Kavach account and selected software features while on the go.

  • BimaBag Mobile Application – A customer-facing mobile application that enables customers and policyholders of registered insurance agents to securely access policy information, reminders, documents, claim updates, and communications provided through their insurance agent.

Ownership and Management of Digital Platforms

• i Kavach Solutions LLP is the sole owner, operator, administrator, and authorized entity responsible for developing, managing, maintaining, operating, and controlling its digital platforms, or/and any other websites, domain names, sub-domains, mobile applications, portals, APIs, cloud platforms, software products, digital services, or online properties that are presently owned, operated, licensed, managed, or that may hereafter be developed, acquired, launched, or operated by i Kavach Solutions LLP under any brand, product, service, or business vertical.

• This expressly includes the iAgent Kavach Web Application, iAgent Kavach Mobile Application, and BimaBag Mobile Application, together with any future versions, updates, successor applications, websites, portals, APIs, software products, or related digital services developed or operated by i Kavach Solutions LLP.

• Accordingly, unless expressly stated otherwise, all legal notices, policies, terms and conditions, privacy practices, disclaimers, user obligations, intellectual property rights, and liabilities published by or applicable to i Kavach Solutions LLP shall apply equally to all such existing and future websites, mobile applications, software products, and digital platforms owned, operated, licensed, or managed by the Company.

Intellectual Property

• All software, mobile applications, websites, databases, source code, application programming interfaces (APIs), documentation, designs, user interfaces, graphics, logos, trademarks, service marks, trade names, content, proprietary technology, algorithms, business processes, and all related intellectual property made available through the Company's platforms are the exclusive property of i Kavach Solutions LLP, unless expressly stated otherwise, and are protected under applicable copyright, trademark, patent, trade secret, and other intellectual property laws of India and applicable international laws.

• No part of the Company's intellectual property may be copied, reproduced, modified, reverse engineered, distributed, transmitted, published, licensed, sold, or commercially exploited without the prior written consent of i Kavach Solutions LLP.

Acceptance of Legal Policies

• Accessing or using any website, mobile application, software platform, portal, API, or digital service owned, operated, licensed, or managed by i Kavach Solutions LLP — including the iAgent Kavach Web Application, iAgent Kavach Mobile Application, and BimaBag Mobile Application — constitutes the user's unconditional acceptance of the applicable Terms and Conditions, Privacy Policy, Disclaimer, Cookie Policy, Refund Policy, Intellectual Property Policy, and all other legal policies published on the respective platform, as amended from time to time.

Modification of Services and Policies

• i Kavach Solutions LLP reserves the absolute right, at its sole discretion and without prior notice, to modify, amend, suspend, discontinue, replace, upgrade, or update any product, software, website, application, service, feature, subscription plan, pricing, policy, or these Legal Information provisions at any time.

• Continued access to or use of the Company's platforms following the publication of any such modifications shall constitute the user's acceptance of the revised terms.

No Professional Advice

• Nothing contained on any website, application, software platform, document, communication, or digital service operated by i Kavach Solutions LLP shall be construed as legal, financial, investment, taxation, accounting, regulatory, or insurance advice.

• Users are solely responsible for exercising their own professional judgment and for complying with all applicable laws, regulations, circulars, licensing requirements, and professional obligations governing their business activities.

Governing Law and Jurisdiction

• These Legal Information provisions shall be governed by and construed in accordance with the laws of the Republic of India.

• Unless otherwise required under applicable law, all disputes, claims, or legal proceedings arising out of or relating to the Company's websites, applications, software products, digital platforms, or services shall be subject to the exclusive jurisdiction of the competent courts located at Surat, Gujarat, India.