LIFE INSURANCE
Aditya Birla Sun Life Insurance Company Limited
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Terms Of Use
The use of any product, service, information or feature (the "Materials") available through the internet website accessible at https://lifeinsurance.adityabirlacapital.com/BirlaSunLife/Insurance/BSLI_MP/index5.aspx (the "Web Site") by any user of the Website ("You" or "Your" hereafter) shall be governed by the following Terms of Use ("Terms" hereinafter): This Web Site is provided by Birla Sun Life Insurance Company Limited (hereinafter referred to as "ABSLI" ), a company incorporated under the Companies Act, 1956 of India, having its registered office at Mumbai, India and shall be used for informational purposes only. By using the Web Site or downloading Materials from the Web Site, You hereby agree to abide by the covenants set forth in these Terms. In the event of You not agreeing to these Terms, You are requested by ABSLI not to use the Web Site or download Materials from the Web Site.  
TradeMarks And Copyrights
This Web Site, including all Materials present (excluding any applicable third party materials), is the property of ABSLI and is copyrighted and protected by worldwide copyright laws and treaty provisions. You hereby agree to comply with all copyright laws worldwide in Your use of this Web Site and to prevent any unauthorized copying of the Materials. ABSLI does not grant any express or implied rights under any patents, trademarks, copyrights or trade secret information. All trademarks, services marks, trade names, logos, and icons are proprietary to ABSLI. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of ABSLI or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, ABSLI. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Unless otherwise stated, this clause shall override the privacy statement. ABSLI has business relationships with thousands of customers, suppliers and others. For convenience and simplicity, words like joint venture, partnership, and partner are used to indicate business relationships involving common activities and interests, and those words may not indicate precise legal relationships.  
Limited License
Subject to the terms and conditions set forth in these Terms, ABSLI grants You a non-exclusive, non-transferable, limited right to access, use and display this Web Site and the Materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Web Site in any manner. Unless otherwise specified, the Web Site is for Your personal and non-commercial use. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this Web Site. You acknowledge that any software available or provided to You on this Web Site may contain technology that is subject to strict controls by various rules and regulations in India. You hereby agree that You will not transfer or export such software from India (including, for example, providing such software to any foreign person or entity in India) or re-export such software outside India in violation of Indian laws and regulations. ABSLI does not authorise the downloading or exportation of any software or technical data from this Web Site to any jurisdiction prohibited by Indian laws and regulations.  
Blogs
This is to inform and clarify that individuals (including but not limited to employees of ABSLI and referred to as "Individuals" hereafter) may contribute articles and opinions on this Web Site entirely at the sole discretion of ABSLI, in the form of "blogs", as such term is generally understood. You hereby acknowledge and agree that these blogs constitute the opinion of the Individuals in their personal capacity, and may not represent official positions of ABSLI in any manner. ABSLI retains all copyright to these blogs. You may be permitted to post comments and feedback to these blogs. By doing so, You expressly agree and acknowledge to abide by the following: You shall not defame, abuse, harass or threaten ABSLI or any third party, or otherwise violate the legal rights of ABSLI or any third party. You shall not in any manner reveal confidential or proprietary information of any third party. Specifically, You shall not post any material for which You do not have requisite and applicable right(s) under law. You shall not conduct any contests or publish or propagate any forwards. You shall not defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity but not limited to the foregoing) of any other party including ABSLI. You shall not publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information. You shall not upload or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws, including, by way of example, and not as limitation, copyright or trademark laws (or by rights of privacy or publicity) unless You own or control the rights thereto or have received all necessary consent to do the same. You shall not upload files that contain viruses, trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another. You shall not advertise or offer to sell or buy any goods or services for any business purpose. You shall not download any file posted that You know, or reasonably should know, cannot be legally reproduced, displayed, performed, and/or distributed in such manner. You shall not falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded. You shall not create a false identity for the purpose of misleading others. You shall not in any way deface or vandalize this Web Site, or prevent or restrict others from using this Web Site. You shall indemnify and hold harmless ABSLI from any claims and loss incurred by ABSLI as a result of Your violation of these Terms. You acknowledge that ABSLI may, at its sole discretion, monitor, remove or edit any content that You contribute. ABSLI may also pursue remedies available to it under law for any violation of these Terms.
Third party Content
The Web Site may make information of third parties available, including articles, analyst reports, news reports, tools to facilitate calculation, company information and data about financial markets, including any regulatory authority and other financial markets and other data from external sources (the "Third Party Content"). You acknowledge and agree that the Third Party Content is not created or endorsed by ABSLI. The provision of Third Party Content is for general informational purposes only and does not constitute a recommendation or solicitation to purchase or sell any securities or shares or to make any other type of investment or investment decision. In addition, the Third Party Content is not intended to provide tax, legal or investment advice. You acknowledge that the Third Party Content provided to You is obtained from sources believed to be reliable, but that no guarantees are made by ABSLI or the providers of the Third Party Content as to its accuracy, completeness, timeliness. You agree not to hold ABSLI, any business offering products or services through the Web Site or any provider of Third Party Content liable for any investment decision or other transaction You may make based on Your reliance on or use of such data, or any liability that may arise due to delays or interruptions in the delivery of the Third Party Content for any reason By using any Third Party Content, You may leave this Web Site and be directed to an external website, or to a website maintained by an entity other than ABSLI. If You decide to visit any such site, You do so at Your own risk and it is Your responsibility to take all protective measures to guard against viruses or any other destructive elements. ABSLI makes no warranty or representation regarding, and does not endorse, any linked web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that ABSLI or this Web Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of ABSLI or any of its affiliates or subsidiaries. You hereby expressly acknowledge and agree that the linked sites are not under the control of ABSLI and ABSLI is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. ABSLI is not responsible for webcasting or any other form of transmission received from any linked site. ABSLI is providing these links to You only as a convenience, and the inclusion of any link shall not be construed to imply endorsement by ABSLI in any manner of the website.  
NO WARRANTIES
THIS WEB SITE, THE INFORMATION AND MATERIALS ON THE SITE, AND ANY SOFTWARE MADE AVAILABLE ON THE WEB SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON INFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. THERE IS NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIRD PARTY CONTENT. INSPITE OF ABSLI's BEST ENDEAVOURS, THERE IS NO WARRANTY ON BEHALF OF ABSLI THAT THIS WEB SITE WILL BE FREE OF ANY COMPUTER VIRUSES. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATION OF DAMAGES
IN NO EVENT SHALL ABSLI OR ANY OF ITS SUBSIDIARIES OR AFFILIATES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THIS WEB SITE OR ANY LINKED WEB SITE, EVEN IF ABSLI IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 
DISCLAIMER
THE WEB SITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL AND CLERICAL ERRORS. ABSLI EXPRESSLY DISCLAIMS ANY OBLIGATION(S) TO UPDATE THIS WEBSITE OR ANY OF THE MATERIALS ON THIS WEBSITE. ABSLI DOES 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 WEB SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. ABSLI RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE WEB SITE. ABSLI MAY MAKE ANY OTHER CHANGES TO THE WEB SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE WEB SITE AT ANY TIME WITHOUT NOTICE. THIS WEB SITE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TECHNICAL ADVICE OF ANY MANNER.
PRIVACY, OWNERSHIP OF INFORMATION AND POSTING AT ABSLI WEB SITE
Unless otherwise expressly set forth herein, any information, communications or material you transmit to this Web Site by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as nonconfidential and nonproprietary and will become the property of ABSLI. Such information, communications or material may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Furthermore, ABSLI is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. ABSLI does not claim ownership of the materials You provide to ABSLI (including feedback and suggestions) or post, upload, input or submit to any section of the Web Site, (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting ("Posting") Your Submission You are granting ABSLI, its affiliated companies and necessary sub-licensees permission to use Your Submission in connection with the operation of their Internet businesses (including, without limitation, all services offered by ABSLI), including, without limitation, the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat Your Submission; to publish Your name in connection with Your Submission; and the right to sublicense such rights to any other party. You hereby acknowledge and agree that no compensation shall be paid or no future commercial consideration has accrued with respect to the use of Your Submission by ABSLI, as provided herein. ABSLI shall be under no obligation to post or use any Submission You may provide and ABSLI shall remove any Submission at any time at its own sole discretion. By Posting a Submission You hereby warrant and represent that You own or otherwise control all of the rights required under worldwide law for Your Submission as described in these Terms including, without limitation, all the rights necessary for You to provide, post, upload, input or submit the Submissions.
UNLAWFUL AND/OR PROHIBITED USE OF THE WEB SITE
As a condition of Your use of the Web Site, You shall not use the Web Site for any purpose(s) that is unlawful or prohibited by these Terms. You shall not use the Web Site in any manner that could damage, disable, overburden, or impair any ABSLI server, or the network(s) connected to any ABSLI server, or interfere with any other party's use and enjoyment of any services associated with the Web Site. You shall not attempt to gain unauthorized access to any section of the Web Site, other accounts, computer systems or networks connected to any ABSLI server or to any of the services associated with the Web Site, through hacking, password mining or any other means. You shall not obtain or attempt to obtain any Materials or information through any means not intentionally made available through the Web Site.
INDEMNITY
You agree to indemnify and hold harmless ABSLI, its subsidiaries and affiliates from any claim, cost, expense, judgment or other loss relating to Your use of this Web Site in any manner, including without limitation of the foregoing, any action You take which is in violation of the terms and conditions of these Terms and against any applicable law.
CHANGES
ABSLI reserves the rights, at its sole discretion, to change, modify, add or remove any portion of these Terms in whole or in part, at any time. Changes in these Terms will be effective when notice of such change is posted. Your continued use of the Web Site after any changes to these Terms are posted will be considered acceptance of those changes. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound. ABSLI may terminate, change, suspend or discontinue any aspect of the Web Site, including the availability of any feature(s) of the Web Site, at any time. ABSLI may also impose limits on certain features and services or restrict Your access to certain sections or all of the Web Site without notice or liability. You hereby acknowledge and agree that ABSLI may terminate the authorization, rights and license given above at any point of time at its own sole discretion and upon such termination; You shall immediately destroy all Materials.
JURISDICTIONAL ISSUES AND CHOICE OF LAW
This Site is controlled, operated and administered by ABSLI from its offices within India. ABSLI makes no representation that Materials on this Web Site are appropriate or available for use at any other location(s) outside India. Any access to this Web Site from territories where their contents are illegal is prohibited. You may not use the Web Site or export the Materials in violation of any applicable export laws and regulations. If You access this Web Site from a location outside India, You are responsible for compliance with all local laws. Except as specifically set forth herein the information contained on this website is not an offer to sell or any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. All disputes shall be subject to the exclusive jurisdiction of Mumbai courts. These Terms constitutes the entire agreement between ABSLI and You with respect to Your use of the Web Site. Any claim You may have with respect to Your use of the Web Site must be commenced within one (1) year of the cause of action. If any provision(s) of these Terms is held by a court of competent jurisdiction to be contrary to law then such provision(s) shall be severed from these Terms and the other remaining provisions of these Terms shall remain in full force and effect.