General Disclaimer

The information, materials, and content ("Content") published on www.kiwiinsurance.com are provided by Kiwi General Insurance Limited for general informational purposes only, in line with IRDAI's mandate to maintain transparency in insurance operations.

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, THE CONTENT ON THIS WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. THE COMPANY EXPRESSLY DISCLAIMS ALL SUCH WARRANTIES.

Limitation of Liability

To the maximum extent permitted by law, in no event shall the Company, its promoters, directors, officers, employees, agents, group entities, or service providers be liable to you or to any third party for any direct, indirect, incidental, consequential, punitive, exemplary, or special loss or damage, including, without limitation, loss of profits, loss of data, loss of business, loss of goodwill, or business interruption, arising out of or in connection with:

● your access to or use of, or inability to access or use, the Platform;

● any error, omission, interruption, defect, delay in operation or transmission, computer virus, communication line failure, or unauthorized access; or

● your reliance on any information provided on the Platform.

Where liability cannot be excluded under applicable law, our aggregate liability, in any event and under any theory of liability, shall not exceed the premium amount paid by You for the specific insurance product giving rise to the claim, during the immediately preceding policy year. Nothing in these Terms shall exclude or limit any liability that cannot be excluded or limited under applicable law.

Trademark, Copyright And Intellectual Property

All IP rights in the Platform, Website, and content including text, designs, logos, graphics, software are owned by or licensed to Kiwi General Insurance Limited and protected by law.

No license is granted to use any trademark, logo, or proprietary material without prior written consent.

You may download/print limited copies solely for personal, non-commercial policy-related use, retaining all notices. No copying, modifying, distributing, or selling without consent.

Prohibited:

● Copy, republish, transmit, or display IP Assets;

● Create derivative works;

● Use brands causing confusion/dilution;

● Alter notices.

User-submitted content grants Company perpetual, worldwide, royalty-free license for business use. No identifiable personal data published without consent.

Termination and Restriction of Access

We reserve the right, in our sole discretion and without prior notice, to suspend, restrict, or terminate your access to all or any part of the Platform, or to disable any user name, password, or other identifier, at any time, for any reason including but not limited to actual or suspected violation of these Terms, fraudulent or abusive activity, or as required by law or regulatory directive.

Upon termination, all rights granted to you under these Terms shall immediately cease and you must promptly discontinue all use of the Platform; provided that termination shall not affect your obligations under any insurance policy issued by us, which shall continue to be governed by its own terms and applicable law.

Anti-Money Laundering (AML) and KYC Compliance

The Company strictly complies with the IRDAI AML/KYC Master Circular (as updated) and Prevention of Money Laundering Act, 2002 (PMLA). All insurance transactions require full KYC documentation. The Company reserves the right to:

• Decline any proposal or claim that does not satisfy AML/KYC requirements;

• Report suspicious transactions to the Financial Intelligence Unit — India (FIU-IND);

• Freeze payouts pending verification.

Kiwi General Insurance Limited || IRDAI Reg No: 171 || Registered Office: Apt No 101 Yashila, No 1/1,1st Main, Koramangala 8th Block, Koramangala VI Block, Bangalore, Karnataka, India, 560095 and Corporate Office: 05GBD, Plant 5, Godrej Business District, Vikhroli West, Mumbai 400079 || CIN: U65120KA2024PLC194560 || Insurance is subject of solicitation. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale.

Prohibition of Rebates (SECTION 41 OF INSURANCE ACT, 1938, Amended As Per The Insurance Laws (Amendment) Act, 2015)

No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out or renew or continue insurance in respect of any kind of risk relating to lives or property in India any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing a policy accept any rebate except such rebate as may be allowed in accordance with the prospectus or tables of the Insurers.

Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees

Prohibition on Unsolicited Calls

In compliance with TRAI's Do Not Disturb (DND) Registry and IRDAI guidelines, the Company shall NOT make unsolicited commercial communications to registered DND subscribers. If You receive any unsolicited communication purportedly from the Company, please report it to the Grievance Officer immediately.