Terms of usage of the site with reference to the users
For the purpose of the Terms and Conditions herein below,
Galaxy Health Insurance Company Limited, (formerly known as Galaxy Health & Allied Insurance Company Limited) refers to the Company incorporated under the provisions of the Companies Act of 2013 and having registered with the Insurance Regulatory and Development Authority of India as a Health Insurance Company (shall be referred to as “Galaxy Health”, “we”, “us”, or “our”)
“The user accessing this website consents to connect with us via call, SMS, WhatsApp and Email for information regarding Galaxy Health, its products, or services.”
User, shall refer to any individual or the legal entity on whose behalf such an individual is acting, accessing or using the website for general information about Galaxy Health or products offered by us and other facilities offered on the website from time to time (shall be referred to as “you”, “your”, or “prospective customer”).
Welcome to the website of Galaxy Health Insurance Co. Ltd. By accessing and using this website, you agree to be bound by these Terms and Conditions, which constitute a legally binding agreement between you and Galaxy Health. Your use of this website signifies your acceptance of and agreement to these terms. Galaxy Health reserves the right to modify these Terms at any time without prior notice. It is your responsibility to review these terms periodically for any changes. Continued use of the website after any modifications will constitute your acceptance of the revised terms.
As a user of this website, you represent and warrant that you are legally capable of entering into a binding contract under applicable laws. You agree to use this website in accordance with these Terms of Use and for lawful purposes only.
You agree to use the website strictly for your personal use. You agree not to use this website for any illegal purpose or in any manner inconsistent with these Terms and Conditions. You agree not to use, transfer, distribute or dispose of any information contained in the Website in any manner that could compete with the business or otherwise compromise or imperil the interests of Galaxy Health. You may download and retrieve data from the Website on your computer screen, print individual pages on paper, photocopy and store such data in an electronic form for your exclusive personal use only.
You agree not to reverse engineer, distribute, modify, exploit, decompile, disassemble, copy, transmit, perform, reproduce, publish or create derivative works from or in any way exploit any of the services or content in violation of the Terms and Conditions.
The user shall not use the website to violate the security of any computer network, crack passwords or security encryption codes, hack or engage in any kind of illegal activity, use any technique, software, tool or code that would harm or affect all or any portion of the website or Services offered by Galaxy Health. Any unauthorized use of the website or its content is strictly prohibited.
This website may contain links to third-party websites or resources. These links are provided for your convenience and do not imply endorsement by Galaxy Health of the third-party sites, their content or availability of these external sites. Your use of third-party sites is subject to their own terms and conditions and privacy policies. Galaxy Health disclaims all responsibility and liability for any losses or damages arising from your use of third-party sites or reliance on their content. You agree to indemnify and hold Galaxy Health harmless from any claims, damages, or expenses incurred as a result of your use of third-party sites.
We are not liable for any action taken by you based on or relying on the information provided in or by the Website. Users are responsible for making their own informed decisions regarding Galaxy Health's policies or products, based on their personal evaluation and consultations with their advisors. It is the sole responsibility of the user to evaluate the completeness, accuracy or usefulness of any content made available on the Website.
If you are dissatisfied with any portion of this website or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue using the Website.
Galaxy Health will make reasonable efforts to ensure that this website operates smoothly and without interruption. However, we do not guarantee that the website will be available at all times or that it will be free from errors or omissions. Galaxy Health shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from any interruption, suspension, or termination of the website, whether such disruption was justified or not. This includes, but is not limited to, loss of data, loss of business, or any other type of loss. In no event shall Galaxy Health's total liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the website.
All trademarks, logos, slogans, service marks, and trade names (collectively the "Trademarks") displayed on this website are the exclusive property of Galaxy Health or its licensors. These intellectual property rights are protected by applicable laws and regulations. You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes. You may not use, reproduce, distribute, or display any intellectual property from this website without the prior written consent of Galaxy Health. Any unauthorized use of the website’s intellectual property will result in legal action, including the seeking of criminal prosecution. We are entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary), over and above all other remedies available to us, to protect our interests therein.
When you purchase a policy from this website, you will be required to provide certain personal and financial information. This information will be collected through secure payment gateways and is used solely for processing transactions. You agree to provide accurate and complete information and to use only lawful means of payment. Galaxy Health is committed to protecting your personal and financial information and will not share it with third parties except as required by law. We do not guarantee uninterrupted access to the payment system and are not liable for any disruptions in payment processing due to technical issues or maintenance activities.
The user shall ensure that all premium payments for insurance coverage are made through lawful means and from legitimate sources, this obligation is continuous and must be maintained throughout the insurance contract's term. Galaxy Health reserves the right to request and review documentation to verify the source of the funds used for the premium payment if it has a reason to believe that the funds are derived from or associated with any activities connected to the proceeds of crime as per the provisions of the Prevention of Money Laundering Act, 2002. This includes, but is not limited to, any concealment, possession, acquisition, or use of such funds, or projecting or claiming them as untainted property. Should it be determined that the premium was paid using funds linked to criminal activities, or if the user is found guilty of a money laundering offence by a competent court of law in India, Galaxy Health has the right to cancel the insurance contract immediately.
Galaxy Health shall not be liable for any failure to perform its obligations under these Terms of Use if such failure is caused by events beyond our reasonable control. These events include, but are not limited to, natural disasters (such as floods, earthquakes, or storms), civil disturbances (including riots or terrorism), labour disputes (including strikes or industrial actions), technological failures (such as power outages or internet disruptions), and Government actions (such as changes in laws or regulations). In the event of a Force Majeure occurrence, Galaxy Health's obligations will be suspended for the duration of the event, and we will make reasonable efforts to resume performance as soon as possible.
These Terms of Use and any disputes arising out of or related to the use of this website shall be governed by and construed in accordance with the laws of India. Any legal action or proceeding arising out of or relating to these terms or the website shall be brought exclusively in the courts located in Chennai, India. You consent to the personal jurisdiction and venue of such courts for the resolution of any disputes.
If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be deemed severed from these terms, and the remaining provisions shall continue in full force and effect. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the other provisions.
In the event of any disputes arising from the interpretation or application of these Terms of Use or related to the website, such disputes shall be resolved through arbitration. The arbitration process will be conducted by a sole arbitrator appointed in accordance with the provisions of the Arbitration and Conciliation Act, 1996 amended from time to time. The arbitration will be governed by the applicable laws of India, and the decision of the arbitrator shall be final and binding on both parties. The arbitration proceedings shall take place in Chennai, India.
The User agrees to indemnify, defend, and hold harmless Galaxy Health and its affiliates against any claims or damages arising from user’s use of the Website, including but not limited to:
- Unauthorized use of website access.
- Any breach of these Terms and Conditions.
- Any harm or damage resulting from the Website’s use.
- Unauthorized alterations or misuse of the Website.
User agrees to pay all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.
Galaxy Health may amend these Terms at its sole discretion at any time. Updated Terms will be posted on the Website. Continued use of the Website after changes are posted will constitute acceptance of the new Terms.