Terms and Conditions
Yella Insurance broking Pvt. Limited (hereinafter referred to as Yella) operates the website www.vkover.com (hereinafter referred to as vKover). Yella is a licensed Insurance Broking Company holding a broking license from the Indian Insurance Regulator – Insurance Regulatory and Development Authority of India bearing License No: IRDA/DB, valid till 25/04/2026. Through vKover, Yella provides users with information and tools to make it easy to compare and buy insurance policies.
By visiting vKover and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms of use as stated in this policy (hereafter referred to as ‘ToU Agreement’), along with the terms and conditions as stated in our Privacy Policy.
This ToU Agreement is effective from the time you visit our website. We reserve the right, at any time, at our sole discretion, to change or otherwise modify the ToUAgreement without prior notice, and your continued access or use of vKover signifies your acceptance of the updated or modified ToU Agreement.
Using vKover
By visiting our website 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 the terms of this ToU Agreement, and/or applicable laws, regulations and generally accepted online practices or guidelines.
Wherein, you understand that
- To access our Resources, you may be required to provide certain information about yourself (such as name, address, contact details, car registration and purchase details, identity proof such as Aadhar ID, etc.). You agree that any information you provide will always be accurate, correct, and updated.
- By providing your information you explicitly authorize us to access on your behalf your records from the competent authority, such as Aadhar, RTO, etc. for the facilitation of your transaction with us.
- 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.
- Accessing (or attempting to access) any of our Resources by any means other than through the means we provide is strictly prohibited. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical, or unconventional means.
- 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.
- Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited.
- 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 liabilities.
User Generated Content
We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. You understand that we do not pre-screen 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 (“user-generated content”), then it is your responsibility to use these tools responsibly and ethically. 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:
- Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language;
- Infringes on any trademark, patent, trade secret, copyright, or other proprietary rights of any party;
- Contains any type of unauthorized or unsolicited advertising;
- Impersonates any person or entity, including any Yella Insurance employees or representatives.
We do not assume any liability for any user-generated content posted by you or any other 3rd party users of our website. We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this ToU Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks.
Any user-generated 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 Yella Insurance, 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 user-generated content as described. All user Personal Information, provided as part of our registration or purchase process, is covered by our Privacy Policy.
IPR and Copyright
All content and materials available on vKover, including but not limited to text, graphics, website name, code, images, and logos are either the intellectual property of Yella Insurance or under licensed use by Yella Insurance 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 Yella Insurance.
Indemnification
You agree to indemnify and hold Yella Insurance, its parent company, officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, suppliers and employees, harmless from any claim or demand, including reasonable attorney fees and court costs, ade by any third party due to or arising out of content submitted by the user, users use of the service, violation of the ToU, breach by the user of any of the representations and warranties herein, or user’s violation of any rights of another.
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 downloads from vKover will not harm your computer or device in any way.
To the maximum extent permitted by law, Yella Insurance has no liability about or arising out of the Website Information and recommendations. You are responsible for the final choice of your product. Please seek further advice from Yella Insurance or the relevant participating insurance companies before choosing your product, if you have any doubts or queries about the same. Furthermore, Yella Insurance does not guarantee when or if you will acquire the product that you have chosen and does not accept any liability arising out of delay in you acquiring the product you have chosen. You acknowledge and accept that the final issuance of the policy is subject to the underwriting norms and sole discretion of the insurance company whose policy you have chosen to buy.
Limitation of Liability
You expressly understand and agree that any claim against us shall be limited to the amount you paid if any. Yella 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.
UNLESS OTHERWISE EXPRESSED, YELLA INSURANCE EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Governing Law
This ToU Agreement and the Privacy Policy shall be governed and construed by the laws of the Republic of India and the courts at Kochi shall have exclusive jurisdiction on all matters and disputes arising out of and relating to the Site
CIN: U66000KL2019PTC058280
IRDAI License No.706
Composite Broker(Life & General)
Valid up to 25/04/2026
Principal Officer - K . H Devaki
+91 0484 4037917
Contact
2nd Floor,Mariyam Tower
K K Road,Ernakulam,Kerala
682 017
Insurance is the subject matter of the solicitation. For more details on policy terms, conditions, exclusions, limitations, read policy before concluding sale.
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