Terms and Conditions
Canara HSBC Life Insurance Company Limited ("COMPANY") shall facilitate online transactions as mentioned hereunder to be carried out by the Customer (as defined below) of COMPANY on the Website (as defined below) www.canarahsbclife.com, subject to the following Terms and Conditions. By using the Website either directly or through a hyperlink, the Customer agrees that the Customer has read and understood the Terms and Conditions and will comply with and be bound by them. If the Customer does not agree to the Terms and Conditions, the Customer may not use this Website.

In these Terms and Conditions, the following words and phrases have the meanings set opposite them unless the context indicates otherwise:
"Account Transaction" means and refers to a Customer (as defined below) carrying out one or more transactions of following nature by accessing his Customer Account through a Login ID and Password:
Request for change in address and other contact details in relation to Policy (ies) held by the Customer (as defined below).
Give request to switch his investment funds, wholly or in part, from one or more investment funds to other investment fund(s) or re-direct premiums in relation to his unit linked insurance Policy (ies).
Carry out such other online requests or transactions as may be facilitated by COMPANY from time to time.

"Alerts" means information in the nature of reminder or flash information sent by e-mail to the registered email id or posted in the Customer Account (as defined below).
"Customer" means a policyholder of COMPANY or person who has applied for a policy of COMPANY by submitting a proposal form.
"Customer Account" means the account accessible by a Customer on the Website by using the Login ID and the Password.
"Facility" on the Website shall mean and include all or any of the following:
Carrying out Account Transaction by Customers;
Getting / viewing / downloading Alerts, information concerning his Policy(ies) including regarding premium payments on his Policy(ies), generating unit statements in case the Customer has a unit linked insurance plan, net asset value / premium notices / receipts, general information on product details, submit request or complaint or suggestions, and such other facilities as COMPANY may provide in future.
Such other Facility as may be introduced from time to time for all or any of the Customers. For sake of clarity, the Customer will not have a right to demand and COMPANY will not have an obligation to provide the above Facilities or any of them, and the same shall be provided only on best effort basis and at the absolute discretion of COMPANY.
"Login ID" means the unique user identification provided to a Customer by COMPANY to enable access to the Customer Account.
"Password" means the unique authentication password used by Customer for accessing his Customer Account.
"Personal Information" means all or any of the information of personal nature provided by the Customer to COMPANY either in the proposal or application form, and includes Registration Data as defined in the Terms and Conditions, and as updated from time to time.
"Policy" means the policy of life insurance issued by the COMPANY (excluding group) including policy for pension and annuity products.
"Policyholder" means a person who holds a Policy issued by the COMPANY.
"Terms" or "Terms and Conditions" means these terms and conditions for availing the Facility on the Website.
"Website" means the website accessed through domain name or located at URL "www.canarahsbclife.com", through which the Facility is offered to the Customers.
"You" means the Customer, as the case may be, and the word 'Your' will be construed accordingly.

Acceptance of Terms
The Customer understands that the Facility (ies) offered on the Website can be used only after the Terms and Conditions are accepted by the Customer. The Facility shall be offered at the discretion of COMPANY. COMPANY reserves the right to add, amend, revise, suspend or cancel in whole or in part any of the services which are part of the Facility, without any prior notice to the Customer. Any addition, amendment, revision, suspension or cancellation shall be effective and binding on the Customer. COMPANY may introduce new services (forming part of Facility) on the Website from time to time. The existence and availability of the new services as part of the Facility will be notified on the Website as and when they become available and COMPANY may update the Website with the latest version of the Terms and Conditions and the Customer must review the Terms and Conditions prior to each use of the Website.
Use of Information on the Website
The Customer will be able to access the Facility in regards to his Policy by creating the Customer Account on the Website and Company will provide the Customer with a Login ID and Password.
Subject to the Terms and Conditions, COMPANY shall take reasonable care to ensure the security of Customer Account and to prevent unauthorized access to the Customer Account.
COMPANY is under no obligation and assumes no responsibility for any content posted on the Website by any unauthorized person that may be defamatory, libelous, slanderous, false, obscene, pornographic, profane or dangerous. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, profane or any material instigating hatred or any material that could constitute or encourage a criminal offence, or give rise to civil liability, or otherwise violate any law. COMPANY will fully cooperate with any law enforcement authorities or court order requesting or directing COMPANY to disclose the identity of anyone posting any such information or materials.
Editing Deleting and Modification
COMPANY has the absolute discretion to amend or supplement any of the Terms and Conditions at any time. The Customer's continuing use of this Website shall constitute the acceptance of any alterations, updates, modifications, and/or revisions to the Terms and Conditions, which become effective as and when posted on this Website. You shall have no authority to modify or delete or amend any of the provisions or information on the website. In case of any discrepancy between the information or data as provided to the Customer by the use of the Facility and the information/data mentioned in the application form of the Policy or Policy contract entered into between COMPANY and the Customer, the information stated in such application form or Policy contract shall prevail.
Account Transactions
All Account Transactions, which cannot be carried out instantaneously, will be carried out during working hours either on the same day or on the next working day or such further period as may be determined and/or specified by COMPANY depending upon the time of logging of the transaction.
All Account Transactions shall be subject to Government notifications, the rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority, the Reserve Bank of India, and those of other regulatory bodies defining rules/regulations governing the offer of any service under the Facility, if any, on which such transactions are executed and/or cleared by COMPANY.
In the event that the certifying authorities and other infrastructure contemplated under the Information Technology Act, 2000, for ensuring secure electronic communication and secure digital signatures is notified by the concerned authorities and the infrastructure to enable the same is in place, COMPANY will have the right to require the Customer to authorize the Account Transactions by means of secure digital signatures either in place of or in addition to the authentication through Password. The digital signature shall be obtained by the Customer at his own cost and efforts.
COMPANY will be entitled, at its sole discretion, to seek offline written or other confirmation from the Customer of any Account Transaction as it may deem fit to ascertain or verify the genuineness of request for a Facility.
COMPANY's own records of the Account Transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes. More particularly, the record of COMPANY generated by the Account Transactions, including the recording of the time of the Account Transactions shall be conclusive proof of the genuineness and accuracy of the Account Transactions.
Undertaking by the Customer
You agree to provide true, accurate, current and complete information and data about Yourself and all other information as prompted or required by the Facility's registration or subscription form (" Registration Data"). In the event that any untrue or inaccurate information or information not current or complete has formed the basis of any Account Transactions, the said transactions shall be either voidable at the option of COMPANY, or wherever applicable or necessary void. In the event of not providing true, correct and complete data and information, the Facility could fail or be deficient.
Once the Customer receives the Login ID and Password from COMPANY, he undertakes to change the Password immediately by logging into his Customer Account.
The Customer confirms and agrees that he will be the sole and exclusive owner and is the only authorised user of his Customer Account and accepts sole responsibility for use, confidentiality and protection of his Login ID and Password as well as of all Account Transactions initiated through his Customer Account and shall ensure that the Password (s) is/are not revealed to any third party or recorded in any written or electronic form.
If the Customer forgets / loses the Login ID and/or Password, he can request COMPANY to issue another Login ID and/or Password. The Customer understands that his Password is generated entirely through an electronic process and the employees/ personnel of COMPANY do not have any access to the Password. The Customer undertakes not to disclose the Password to any person including the employees of COMPANY.
Notwithstanding that a new Password is generated, the Customer shall be fully responsible and liable for all Account Transactions that are carried out by the use of the Login ID or Password given for the use of the Facility on the Website.
The Customer agrees not to use the Facility for any illegal purpose or in any manner inconsistent with these Terms and Conditions or as amended from time to time.
You undertake not to use the Facility to violate the security of any computer or computer network, crack passwords or security encryption codes, transfer or store illegal material including threatening or obscene material or engage in any kind of illegal activity.
The Customer shall immediately notify COMPANY in writing if she/he becomes aware of any loss, theft or unauthorised use of the Login ID and/or Password; or on any receipt by the Customer of confirmation of an Account Transaction, which the Customer did not initiate or authorise; or any inaccurate information in relation to his Policy. Under no circumstances shall COMPANY or anyone involved in creating, producing, delivering or managing the Facility be liable for any direct, indirect, incidental, special or consequential damages that result from the use of or inability to use the services which are part of the Facility, or out of the breach of any warranty.
All other terms and conditions as set out in the Website including the disclaimer, privacy statement, intellectual property rights, use of information and materials, limitation of liability, no warranty, hyperlinks to other internet resources, etc. will form part of the Terms and Conditions and shall be binding on the Customer.
Any Account Transactions authorised by using the Login ID and Password shall be deemed to be that of and initiated by the Customer. If any third parties gain access to the services offered as part of the Facility through the use of the Customer's Login ID and Password, the Customer shall be deemed to be responsible and the Customer hereby indemnifies and holds harmless COMPANY against any liability, costs or damages arising out of claims or suits by or against such third parties based upon or relating to such access and use. Any Password or right given to the Customer on the Website is non- transferable.
The Customer agrees to indemnify and keep COMPANY indemnified at all times from all losses, damages, costs, expenses, loss of profits, loss of business, proceedings, actions, suits (including legal fees) caused to or suffered by COMPANY as a direct or indirect consequence of his actions or inactions that are attributable to his Login ID, including due to breach of these Terms and Conditions, negligence and default.
Limitation Of Liability
In no event shall COMPANY be liable for any damages, losses or liabilities including without limitation, direct or indirect, special, incidental, consequential damages, losses or liabilities, in connection with the Customer's use of the Website or the Customer's reliance on or use or inability to use the information, materials, products and services on the Website, or in connection with any failure of performance, error, omission, interruption, computer virus or line or system failure, defect, delay in operation or transmission, even if the Customer alerts us of the possibility of such damages, losses or expenses.
Disclaimer of Warranties
Except as warranted in these Terms and Conditions, COMPANY expressly disclaim all warranties of any kind, whether express, implied, constructive or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement in the Facility. COMPANY do not warrant or guarantee that access to the Website and the Facility will be uninterrupted, timely, secure, or error free; nor do We make any warranty or guarantee as to the results that may be obtained from the Website or use of the Facility or as to the accuracy or reliability of the Facility.
Information on the Website is provided on an "as is", "as available" basis and to the fullest extent permitted by law COMPANY does not give or make any warranty or representation of any kind, whether express or implied. Your usage of the information & facility on the website is at your sole liability and no warranty regarding non-infringement, security, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.
Intellectual Property Rights
The content and information contained within our website or delivered to you in connection with your use of our website is the property of the Company and any other third party (where applicable). The trademark, trade names and logos (the "Trade Marks") that are used and displayed on our website include registered and unregistered Trade Marks of the Company and other third parties. Nothing on our website should be construed as granting any license or right to use any Trade Marks displayed on our website. The Company retains all proprietary rights on its website. Users are prohibited from using the same without written permission of the Company of such or such other parties. The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Company's prior written consent. The Customer is prohibited from using any of the marks or logos appearing throughout the Website without permission from the trade mark owner, except as permitted by applicable law.
COMPANY is committed to protecting Your privacy. All information gathered from You in connection with Your use of the Website will be maintained in accordance with the applicable privacy policies as available on the Website.
If You are dissatisfied with the Website or any portion thereof, the Facility or with any of these Terms and Conditions, Your sole and exclusive remedy is to discontinue using this Website and availing the Facility as provided therein.
COMPANY may terminate, at its sole discretion, the access of the Customer to the Website if it finds that the Customer has violated Terms and Conditions, or if the Customer does not accept the amended Terms and Conditions or the Customer has not complied with any regulatory, legislative provisions, or for any other reasons.
Governing Law and Jurisdiction
This Terms and Conditions shall be governed by and construed in accordance with the laws of India.
If any part of this Terms and Conditions is determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of this Terms and Conditions, all of which will remain in full force and effect.