Terms & Conditions


TERMS AND CONDITIONS


OF KOTAK LIFE INSURANCE WEBSITE


The terms and conditions specified herein are a legal contract between you (the "User" or "you") and Kotak Mahindra Old Mutual Life Insurance Ltd ("Kotak Life Insurance",“we” or “us”) for the use of this web site (www.kotaklifeinsurance.com) which is owned and operated by Kotak Life Insurance (the " Kotak Life Insurance Web Site"). In consideration of User being given access to the Kotak Life Insurance Web Site,User agrees to be bound by these terms and conditions of use (the "Terms"). By accessing or using the Kotak Life Insurance Web Site,you are acknowledging that you have read,understood,and agree,without limitation or qualification,to be bound by these Terms.

PLEASE CAREFULLY NOTE THAT BY CLICKING ON THE "I AGREE" BUTTON,YOU ARE AGREEING TO BE BOUND BY ALL OF THE TERMS & CONDITIONS OF KOTAK LIFE INSURANCE WEB SITE


Anyone (existing/prospective customer) can create a login id and password for himself/herself and can access all the marketing related information,chat rooms etc only.


Only existing policy holders can register their policies.


Customer’s policy gets registered for view rights based on inputs from customer and validation from back end.


Once validated,the policy owner/customer gets only view rights on all policies where he is the policy owner (other policies where he is the policy owner automatically gets attached to his user id-password)


Incase the policy owner needs transaction rights,he would need to download the policy registration form,sign the same and submit it with KLI for verification. The form will be verified by the centralized PS team in Mumbai and transaction rights will be granted to the customer.


Once the customer is verified and is given transaction rights,he can request for all service requests through the portal (Increase/Decrease SA,Riders,Revivals,Name change etc)


While we do accept the requests online,the processing will be offline and the same will go through the normal existing back end process (verification/underwriting wherever required).


Requests for services through portal can either be couriered to us or uploaded through the portal directly as the case may be. No risk implications as “surrender” requests will be entertained thru this online services.


Proposal/policy status will only be available for existing customers. However,the prospective customers will only have a login and no access to proposal details.



TRANSACTION RIGHTS:


  • Login User-id and password can be obtained by registering on KLI's web-site as new users.

  • You should submit the duly completed Transaction Rights Request Form at any KLI branch where your policy is being presently serviced.

  • Transaction rights on the policies will be available to you only after the Transaction Rights Request Form is validated. You can get transaction rights on only those policies for which you are an authorised signatory/claimant.

  • If you believe that any information relating to your account has a discrepancy,please bring it to the notice of the KLI by e-mail or letter.

  • KLI reserves the right to reject/disqualify any registration / transaction rights request at its own discretion.

  • KLI reserves the right to modify the services offered or the Terms of service of KLI's web-site. The changes will be notified to You / Users through a notification on the website.

  • The policyholder has an obligation to maintain secrecy in regard to the user-id and password allotted by KLI and KLI presupposes that login using the user-id and password is a valid session initiated by none other than the policyholder.

  • Transaction executed through a valid session will be construed by KLI to have emanated from the registered policyholder and will be binding on him / her.

  • The policyholder will not attempt or permit others to attempt accessing the KLI's web-site through any unlawful means.


THESE (TRANSACTION RIGHTS) TERMS AND CONDITIONS SHALL BE READ ALONG WITH THE OTHER TERMS AND CONDITIONS GOVERNING THIS WEBSITE AND SPECIFIED HEREIN.



GENERAL TERMS AND CONDITIONS:

  1. Accuracy of Information:


    The User is responsible for the correctness of information supplied to Kotak Life Insurance from time to time. If the User has reason to believe that there is an error in the information furnished to Kotak Life Insurance,he / she shall immediately advise Kotak Life Insurance in writing. Kotak Life Insurance shall not be liable for any consequences arising out of erroneous or misleading,incorrect,untimely or incomplete information furnished by the User.


    Kotak Life Insurance attempts to be as accurate as possible when providing you with information about us on the Kotak Life Insurance Web Site;however,to the extent permitted by applicable law,Kotak Life Insurance does not warrant that the content available on the Kotak Life Insurance Web Site is accurate,complete,reliable,current,or error-free.


    We make no commitment,and disclaim any duty,to update any of the material on the Kotak Life Insurance Web Site. We do not warrant the accuracy or completeness of the materials or the reliability of any advice,opinion,statement or other information displayed or distributed through the Kotak Life Insurance Web Site. You acknowledge that any reliance on any such opinion,advice,statement,memorandum,report or information shall be at your sole risk. We reserve the right to add,modify,correct or delete any information from the Kotak Life Insurance Web Site at any time without any notice.


    Investment Risk:
    • The investments in the Units are subject to market and other risks and there can be no assurance that the objectives of any of the funds will be achieved.

    • The fund balance of each of the funds can go up or down depending on the factors and forces affecting the financial and debt markets from time-to-time and may also be affected by changes in the general level of interest rates.

    • The past performance of any funds of the Company is not necessarily indicative of the future performance of any of these funds.

    • All benefits payable under the Policy are subject to the tax laws and other financial enactments,as they exist from time to time.



  2. Marketing Content:


    The marketing contents of our Kotak Life Insurance Web Site are for informational purposes only and do not constitute an offer. Nothing herein is intended as an offer or solicitation in any jurisdiction or to any potential investor where such offer or sale is not qualified or exempt from regulation. You are requested to note that Insurance is a subject matter of solicitation and the information,tools and planners contained in Kotak Life Insurance Web Site are meant for your general information only and not to be used for deciding on your insurance requirements. You are specifically advised to contact one of our qualified Insurance Advisors for any of your particular insurance needs.


     
  3. Security:


    The Internet is an open network that is not secure. There is an inherent risk that any transmission via the Internet may be intercepted,modified,misdirected,or not be delivered to the intended recipient. There is also an inherent risk that information stored on a computer connected to the Internet may be accessed without authorisation. The Kotak Life Insurance Web Site takes appropriate technical and organisational measures against unauthorised or unlawful processing of personal data and against accidental loss or destruction of,or damage to,personal data. However,although we take appropriate measures to protect the security of the information communicated through the Kotak Life Insurance Web Site,no Internet-connected computer system can be made absolutely secure from intrusion. We,therefore,cannot and do not guarantee that information displayed on our Kotak Life Insurance Web Site has not been modified by others without authorisation or that information communicated by you to us will be received or that it will not be altered before or after its transmission to us. If you elect to use this Kotak Life Insurance Web Site to communicate with us,you do so at your own risk.

  4. Intellectual Property:


    All content available on the Kotak Life Insurance Web Site,including,but not limited to,text,graphics,logos,button icons,images,audio clips,data compilations,and software,and the compilation thereof (the "Content") is the property of Kotak Life Insurance,our affiliates,our partners or our licensors,and is protected by copyright laws.


    The trademarks,logos,and service marks displayed on the Kotak Life Insurance Web Site (collectively,the "Trademarks") are the registered and unregistered marks of Kotak Life Insurance,our affiliates,our licensors or our partners. All Trademarks not owned by us,our affiliates or our partners that appear on the Kotak Life Insurance Web Site are the property of their respective owners,who may or may not be .

  5. Disclosure of Information :

    User hereby irrevocably agrees to and consents that Kotak Life Insurance may disclose at any time and share with or in any manner make available to any agencies,bureaus,affiliate companies,firms,associations,corporate bodies and other persons including any outside agencies any information of the User as may be required in strict confidence. The User further agrees that Kotak Life Insurance may hold and process his personal information on computer or otherwise in connection with any Service for statistical analysis and credit scoring. The User also agrees that Kotak Life Insurance may disclose in strict confidence to other institutions such personal information may be necessary for reasons inclusive but not limited to (i) participation in any telecommunication or electronic clearing network (ii) in compliance with a legal or regulatory directive/instruction (iii) for fraud prevention purposes.



  6. Representation and Warranties of the User :

    The User represents and warrants that (i) he / she has the authority and/or he / she is lawfully entitled to accept the Terms and that he / she is not under any disability,restriction or prohibition which shall prevent him from performing or adhering to any of his obligations under the Terms;(ii) the execution of the Terms or any part therein is not,directly or indirectly,in conflict with any other agreement or document that the User has executed or entered into;(iii) there are no liabilities against,relating to or affecting the User,which individually or in aggregate,are material to the business of Kotak Life Insurance;(iv) the personal information provided by the User to Kotak Life Insurance at the time of registration is true and accurate and any other information provided thereafter shall be true and accurate;(v) there are no legal proceedings,or injunctive or stay orders pending against or likely to arise against the User that may violate the Terms or materially affect the User's fulfillment of these Terms.



  7. Electronic Communication Disclaimer:

    The information contained in electronic communication sent from Kotak Life Insurance Web Site / domain and any attachments thereof is confidential and may be privileged. If electronic communication is either intentionally or inadvertently misdirected to an individual or group other than the indicated recipient,such electronic communication should be deleted.


    Kotak Life Insurance requests that the receiver of misdirected electronic communication shall notify to Kotak Life Insurance of the situation immediately.



    Recipients of misdirected electronic communication should not retain copy or use Kotak Life Insurance electronic communication for any purpose,nor disclose all or any part of its content to any other person. All messages sent to and from Kotak Life Insurance may be monitored to ensure compliance with internal policies and to protect our business. Electronic communications are not secure and cannot be guaranteed to be error free as they can be intercepted,amended,altered,lost or destroyed. Additionally,although Kotak Life Insurance takes all reasonable and customary measures to ensure that outgoing electronic communication is free of virus infection,such infection remains a possibility.



    Anyone who communicates with us by electronic communication is taken to accept these risks. The contents of any electronic communication addressed to our clients are subject to our usual terms of business;anything which does not relate to the official business of the company is neither given nor endorsed by it.



  8. Limitation of Liability and Indemnification

    Under no circumstances,including but not limited to negligence,shall Kotak Life Insurance be liable for any damages,direct,indirect,incidental,and/or consequential,including without limitation special damages,economic loss,loss of profits,loss of business opportunity,loss of data or data use,bodily injury,emotional distress or discomfort,or physical damage resulting from or in any way related to your use of the Kotak Life Insurance Web Site,including but not limited to your use,reference to or reliance on any information obtained on or through this site. If any provisions of this clause are unenforceable under the laws of a particular jurisdiction,this clause will be enforced to the extent permitted under the laws of that jurisdiction.



    Moreover,you agree to indemnify,defend and hold harmless Kotak Life Insurance,their directors,officers,employees,agents,licensors,attorneys,independent contractors,providers,subsidiaries and affiliates from and against any and all claim,loss,expense,or demand or liability,including attorneys' fees and costs,incurred by Kotak Life Insurance.



    Upon learning of a claim by a third party that your use violates or allegedly violates a third-party's rights,you agree to promptly notify Kotak Life Insurance of all such claims. You agree to cooperate with us as reasonably required in the defense of any such claims. Kotak Life Insurance reserve the right,at their own expense,to assume the exclusive defense and control of any matter otherwise subject to indemnification by you,and you shall not in any event settle any such claim or matter without the written consent of Kotak Life Insurance Web Site.



    Nothing in this Agreement is intended,nor will it be construed as,an attempt to exclude or limit liability for death or personal injury caused by negligence.



  9. Indemnification :

    You specifically agree to defend,indemnify and hold Kotak Life Insurance,its parents,subsidiaries,affiliates,directors,officers and employees harmless for any loss,claim,demand,or damage(s) or costs,including reasonable attorneys' fees,resulting from any third party claim,action,or demand resulting from your use of the Kotak Life Insurance Web Site or incurred due to or arising out of your use of or conduct in respect of the services offered by Kotak Life Insurance Web Site. You also agree to indemnify Kotak Life Insurance for any loss,damages,or costs,including reasonable attorneys' fees,resulting from your use of software robots,spiders,crawlers,or similar data gathering and extraction tools,or any other action you take that imposes an unreasonable burden or load on our infrastructure.



  10. To sign up for Kotak Life Insurance Web site membership,you must provide us your present and accurate information as given in the Registration Form. Kotak Life Insurance reserves the right to ask for any other information as may be deemed necessary by Kotak Life Insurance. Kotak Life Insurance reserves the right to accept or reject your application without assigning any whatsoever reason whatsoever. If your application for registration is accepted,you will be provided with a password sent through a separate message mailed to your registered e-mail address or through SMS facility. (PLEASE NOTE THAT THE NUMBER PROVIDED BY YOU IN THE REGISTRATION DETAILS WILL BE ASSUMED BY KOTAK LIFE INSURANCE AS YOUR PERSONAL NUMBER) You are totally accountable for all actions that take place in your membership account. It is entirely your responsibility to maintain the confidentiality of your password and user id and also to inform Kotak Life Insurance without delay of any dishonest,unauthorized or illegal use of your account,we request you to call at the number as stated in clause 36.

  11. Kotak Life Insurance Web site offers the membership services for your authentic,bonafide,valid,legitimate and personal use only. You declare that you will not use Kotak Life Insurance Web site services for any purpose that is unlawful,dishonest,unauthorized,improper and/or in contradiction of the terms,conditions,and notices contained herein.



  12. You agree to comply with all rules,regulations,statutes and codes of conduct valid as per any local,state,national and international laws in force and are wholly responsible for all actions or lapses that take place through your membership account or password,including the content of your messages sent through Kotak Life Insurance Web site both online and off line.



  13. You agree that if any virus,Trojan horses or any other worms or things which affects the running and / or damages the server,networks,computers,etc.,of Kotak Life Insurance and / or affects the services provided at Kotak Life Insurance Web Site and / or slow down the Kotak Life Insurance server,networks,computers,etc.,and / or Kotak Life Insurance Web Site while uploading any files and / or documents on Kotak Life Insurance Web Site by the User,then in such case,the User agrees to indemnify and keep indemnified the Kotak Life Insurance in toto and / or shall make good the monetary losses incurred because of aforesaid cases,to be decided by Kotak Life Insurance.



  14. Kotak Life Insurance expressly prohibits you from engaging in any of the activities illustratively but not exclusively mentioned hereunder,but not limited to:
    • Insult,exploit,torment,hound,intimidate or otherwise infringe the legal rights of others.

    • Circulate,disseminate or propagate any improper,derisive,slanderous,infringing,vulgar,offensive,dishonest,criminal or illegal information or material.

    • Fabricate a fake identity to mislead anyone in respect of the identity of the sender or the origin of a communication.

    • Transmit any substance that contains viruses,Trojan horses,worms,time bombs,cancelbots,or any other harmful or deleterious programs.

    • Send any content governed by intellectual property laws,rights of privacy or any other applicable law except in case you possess the rights thereto or have received all necessary consents.

    • Obstruct or interrupt systems connected to the Kotak Life Insurance Web Site services or infringe the rules,policies or procedures of such systems.

    • Try to secure unauthorized access to the services provided by Kotak Life Insurance Web Site,computer systems or networks connected to Kotak Life Insurance Web Site,other members' accounts,through password hacking or any other method.

    • Infringe any applicable laws or regulations including,without limitation,laws relating to the information technology in India or elsewhere.

    • Obstruct another member's use and enjoyment of the services offered by Kotak Life Insurance Web Site

    • Use Kotak Life Insurance Web Site or its services to conduct surveys,competitions,pyramid schemes,chain letters,unsolicited e-mail,or unwanted messages for profit or otherwise.

    • Dig for or otherwise gather information about other members,including e-mail addresses,without their consent. Provided further,that it shall not be binding on Kotak Life Insurance Web Site to part with such information even if the consent is obtained.



  15. Kotak Life Insurance is not responsible for monitoring its services or any user's use thereof or restrain or regulate the messages,content or subject matter of any user delivered through the services offered by Kotak Life Insurance Web Site.



  16. Notwithstanding anything contained in this Agreement,Kotak Life Insurance reserves the right always to regulate,restrain,monitor,review,retain and/or divulge any information as necessary to satisfy any applicable rules,regulation,law,court or government order or to protect and defend the rights of other users or to enforce the terms of service which are binding on all the users of Kotak Life Insurance



  17. Kotak Life Insurance reserves the right to terminate your access to the site wholly or partially and/or cancel your user account,at any time without assigning any reason or giving notice whatsoever.



  18. Kotak Life Insurance is not responsible or accountable for any intimidating,offensive,vulgar obscene,improper or illegal content or conduct of any member or any breach of another member's privacy or privileges or intellectual property rights.



  19. Kotak Life Insurance obtains information and data contained in this web site from various sources it believes to be reliable,but it does not guarantee its accuracy,validity,timeliness,reliability or completeness. Kotak Life Insurance is under no obligation to update the information on the web site or to provide data that reflect the current state of affairs. Kotak Life Insurance does not stipulate or warrant that its services will be uninterrupted or free of errors or that defects will be corrected,or that the services or the server that makes it available,are free of viruses or other unsafe components. You expressly agree that Kotak Life Insurance shall not be responsible for unauthorized access to and/or erroneous alteration of your messages,transmissions,data,material sent or received or not sent or received,or any communication entered into through the use of its services.



  20. Kotak Life Insurance,nor any of its affiliates,directors,officers or employees,will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site,or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you,or from any other cause relating to your access to,inability to access,or use of the site or these materials,whether or not the circumstances giving rise to such cause may have been within the control of Kotak Life Insurance or of any vendor providing software or services support. In no event will Kotak Life Insurance be liable to you for any direct,special,indirect,consequential,incidental damages or any other damages of any kind even if Kotak Life Insurance or any other party have been advised of the possibility thereof.



  21. You expressly agree that no part of the material available in the site may be copied or duplicated in any form or redistributed by any means for commercial purposes,directly or indirectly. If you download any information or software from this site,you agree that you will use it exclusively for your personal and non-commercial purposes and not copy it,remove,or obscure any copyright or other notices or legends contained in any such information.



  22. Kotak Life Insurance its parents,subsidiaries,affiliates,directors,officers,employees or dealers shall under no circumstances be liable for any direct,indirect,punitive,incidental,special,consequential damages whatsoever including,without limitation,damages for loss of use,data or profits,arising out of or in any way connected with the use or performance of the service or related web sites,with the delay or inability to use the service or related web sites,the provision of or failure to provide services,or for any information,software,products,services and related graphics obtained through the service,or otherwise arising out of the use of the service,whether based on contract,tort,negligence,strict liability or otherwise,even if Kotak Life Insurance,its parents,subsidiaries,affiliates,directors,officers,employees or dealers or any of its suppliers have been advised of the possibility of such damages.



  23. You specifically agree that neither the information nor any opinion expressed should be construed as an offer to sell or the solicitation of an offer to buy any insurance policies. You also agree that not all instruments,products,or services that may be mentioned in Kotak Life Insurance are available in all countries,and no part of the site here is an offer or solicitation of any instrument,product or service in any jurisdiction where their offer or sale is not qualified or exempt from regulation.



  24. Kotak Life Insurance reserves the right to change any or all of the terms and conditions at any time under which the services are offered. In the event of such change,Kotak Life Insurance may at its discretion notify all the users by presenting the revised terms and conditions on the Kotak Life Insurance Web site. You agree that it is your responsibility to regularly review the terms and conditions and your continued use of Kotak Life Insurance services subsequent to any such changes shall represent your agreement to such changes.



  25. Kotak Life Insurance specifically prohibits you from usage of any of its services in any countries or jurisdictions that do not corroborate to all stipulations of these terms and conditions. You agree that disputes if any arising as a result of this agreement or out of the usage of the services offered by Kotak Life Insurance are subject to the jurisdiction of courts in Mumbai,India.



  26. Remedies for Misuse:

    You agree that any unauthorized use of the Kotak Life Insurance Web Site,its contents or any of the Kotak Life Insurance Web Site Proprietary Materials may cause the Kotak Life Insurance immediate and irreparable harm for which money damages may not constitute an adequate remedy. You further agree that injunctive relief,in addition to any other remedies available,may be warranted in order to enforce these Terms of Use. You further understand that unauthorized use of the Kotak Life Insurance Web Site may expose you to civil and criminal liability and that we may report violations of these Terms of Use to and cooperate fully with the appropriate law enforcement authorities concerning any violations hereof.



    In addition to any other remedy available,You agree and acknowledge that in the event that you willfully breach any of these terms,including,but not limited to amending or modifying the content or copying,modifying,downloading or reproducing any portion of the Kotak Life Insurance Web Site or Kotak Life Insurance Proprietary Materials,then you shall be liable to Kotak Life Insurance for liquidated damages in the amount of Rs. ____________/- per violation. In no event shall liability for liquidated damages preclude liability for consequential damages or any other remedy.



  27. Force Majeure :

    Notwithstanding anything to the contrary contained herein,nothing herein shall apply if Kotak Life Insurance is prevented from discharging any or all of its obligation herein or otherwise due to any cause arising out of or related to Force Majeure or for any reasons beyond the reasonable control of Kotak Life Insurance.



  28. Arbitration:

    With respect to any dispute regarding the Kotak Life Insurance Web Site,Your rights and obligations and all actions contemplated by these Terms shall be governed by the laws of Republic of India,as if the Terms were a contract wholly entered into and wholly performed within India. Any dispute relating in any way to your visit to the Kotak Life Insurance Web Site shall be submitted to confidential arbitration in India,except that,to the extent you have in any manner violated or threatened to violate our intellectual property rights,we may seek injunctive or other appropriate relief in the appropriate Court and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this Agreement shall be conducted under the rules then prevailing of the Arbitration and Conciliation Act,1996. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent. The venue of arbitration proceedings shall be at Mumbai.



  29. Governing Law:

    This agreement is governed by the laws of India. You hereby consent to the exclusive jurisdiction of the Mumbai courts in all disputes arising out of or relating to the use of this Kotak Life Insurance Web Site. Use of this Kotak Life Insurance Web Site is unauthorised in any jurisdiction that does not give effect to all provisions of these Terms of Use,including without limitation this paragraph.



  30. Amendment of Terms:

    The User acknowledges and agrees that Kotak Life Insurance may at its sole discretion add to,modify or amend the Terms (including the Charges) from time to time and such changes shall be communicated to the User,but individual communication may not be sent to him. Kotak Life Insurance may publish notices of general nature,which are applicable to the User on Kotak Life Insurance Website or on its notice board or in any other mode as may be decided by Kotak Life Insurance. Such communication and notices would have the same effect as a notice served individually to each Customer. Unless otherwise specified,such changes shall be effective upon posting. User has the obligation to review changes in these Terms. User's continued use of the Kotak Life Insurance Web Site constitutes User's agreement to be bound by such changes to these Terms. We may,with or without prior notice,terminate any of the rights granted by these Terms. You shall comply immediately with any termination or other notice,including,as applicable,by ceasing all use of the Kotak Life Insurance Web Site.



  31. Relationship:

    You acknowledge that no joint venture,partnership,employment,or agency relationship exists between you and Kotak Life Insurance,as a result of your use of this Kotak Life Insurance Web Site. You agree not to hold yourself out as a representative,agent or employee of Kotak Life Insurance and that Kotak Life Insurance will not be liable by reason of any representation,act or omission to act by you.



  32. Disclaimers:

    You agree that any use of the Kotak Life Insurance Web Site is at your sole risk and that the Kotak Life Insurance Web Site is provided on an "as is" and "as available" basis without warranties of any kind,either express or implied. We give no warranties in respect of the Kotak Life Insurance Web Site whatsoever.



    Kotak Life Insurance does not warrant or make any representations regarding the use or results of the use of any content or information available on or which may be transmitted through the Kotak Life Insurance Web Site. The accuracy,completeness,sequencing or timeliness of information is not guaranteed by Kotak Life Insurance and information is subject to change.



    To the fullest extent permitted by law,Kotak Life Insurance disclaims all representations and warranties,express or implied,including but not limited to: (a) any warranty for content,information,data,services,uninterrupted access,or products provided through or in connection with the Kotak Life Insurance Web Site;(b) any warranties concerning the availability,accuracy,usefulness,or content of information,or services offered on or through the Kotak Life Insurance Web Site;(c) any warranties that the Kotak Life Insurance Web Site is free of viruses,worms,trojan horses or other harmful components;(d) any warranties of title or implied warranties of merchantability or fitness for a particular purpose,or that the Kotak Life Insurance Web Site will be compatible with your computer equipment;and (e) any warranties of non-infringement.



  33. General :

    You acknowledge and agree that these Terms constitute the complete and exclusive agreement between us concerning your use of the Kotak Life Insurance Web Site,and supersede and govern all prior proposals,agreements,or other communications.



    Nothing contained in these Terms shall be construed as creating any agency,partnership,or other form of joint enterprise between us. Kotak Life Insurance 's failure to require your performance of any provision hereof shall not affect the full right to require such performance at any time thereafter,nor shall our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of these Terms shall be unenforceable or invalid under any applicable law or be so held by any applicable court decision,such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. We will amend or replace such provision with one that is valid and enforceable and which achieves,to the extent possible,our original objectives and intent as reflected in the original provision.



  34. You are requested to go through the FAQ section,which will be available at all times after you log in the website. In the event of you not being able to use the services or finding it difficult to use the services,even after browsing through the FAQ section or if you have further queries,we request you to call at the number as stated in clause 36,to enable us to resolve your queries.



  35. Acknowledgement :

    The User acknowledges that he / she has read,reviewed and understood these Terms. The User unconditionally agrees to abide by the Terms and all the applicable laws,as required under the relevant statute from time to time. The User also acknowledges that the Services that are offered to the User are not assignable/ transferable to any third party under any circumstances and shall be used only by the User.



  36. Contact Information:

    If you have any questions about these Terms and Conditions,the operation of this Kotak Life Insurance Web Site,or your dealings with us,you can contact us at:



    Group Operations
    Kotak Mahindra Old Mutual Life Insurance Ltd
    5th Floor, Kotak Towers, Building No. 21, Infinity Park,
    Off: Western Express Highway,
    Goregaon-Mulund Link Road, Malad (East),
    Mumbai-400 097
    Tel:1800-209-8800 (Toll free number)
    Fax: 022- 6621 5454