These Terms of Use (hereinafter referred to as “ToU”) govern the use of the www.spinnyinsurance.com (hereinafter referred to as "Website"). This Website is operated by Spinny Insurance Private Limited (hereinafter referred to as “SIBPL”). SIBPL is a licensed Insurance Broking Company holding a broking license from the Insurance Regulatory and Development Authority of India. For the purpose of the ToU, wherever the context so requires, ("You" or "Your" or "Yourself") shall mean a natural or legal person interested in availing products or services that are listed on the Website (hereafter referred to as ‘Services’).

These ToU are subject to revision by SIBPL at any time. Please read this ToU carefully before using or registering, browsing, or accessing or otherwise using the Website. The revised ToU shall be made available on the Website. You are requested to view the latest ToU. By visiting the Website and accessing the information about the Service, You understand and agree to accept and adhere to the ToU, along with the terms and conditions as stated in our Privacy Policy.

1. Usage of Website

a. Subject to compliance with the ToU, SIBPL grants You a non-exclusive, limited privilege to access and use the Website. By visiting our website and accessing the information about the Services directly or indirectly, You agree to use the Services only for the purposes permitted by the terms of this ToU, and/or applicable laws, regulations.

b. Please ensure that the details you provide Us with, are correct and complete and You must inform Us immediately of any changes to the information that you provided when registering on this Website. You can access and update much of the information You have provided Us. All personal information is governed by SIBPL’s privacy policy.

c. You are responsible for maintaining the confidentiality of Your account and password and for restricting access to Your computer to prevent unauthorized access to Your account. You agree to accept responsibility for all activities that occur under Your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if You have any reason to believe that Your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner.

d. You agree that You are solely responsible to SIBPL and to any third-party for any breach of Your obligations under the ToU and for the consequences for any such breach.

2. Intellectual Property Rights

a. The Website and the processes, and their selection and arrangement, including but not limited to, all text, graphics, user interfaces, visual interfaces, sounds and music (if any), artwork and computer code (collectively, the “Content”) on the Website is owned and controlled by SIBPL and the design, structure, selection, coordination, expression, look and feel, and arrangement of such Content is protected by copyright, patent and trademark laws, and various other intellectual property rights.

b. The marks, logos, and service marks indicated on the Website are trademarks or registered trademarks (“Marks”) and are the property of SIBPL or its group companies, as the case may be. You are not permitted to use the Marks without the prior consent of SIBPL, or the group company or the third party that may own the Marks.

c. Except as expressly provided herein, You acknowledge and agree that You shall not copy, republish, post, display, translate, transmit, reproduce or distribute any Content through any medium without obtaining the necessary authorization from SIBPL.

3. Disclaimer Of Warranties & Liability

a. YOU EXPRESSLY UNDERSTAND AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: THE WEBSITE, SERVICES, AND OTHER MATERIALS ARE PROVIDED BY SIBPL ON AN “AS IS” BASIS.

b. WITHOUT LIMITING THE FOREGOING, SIBPL MAKES NO WARRANTY THAT (I) THE WEBSITE OR THE SERVICES WILL MEET YOUR REQUIREMENTS OR YOUR USE OF THE WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (II) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE OR THE SERVICES WILL BE EFFECTIVE, ACCURATE, OR RELIABLE; (III) THE QUALITY OF THE WEBSITE OR THE SERVICES WILL MEET YOUR EXPECTATIONS; OR (IV) ANY ERRORS OR DEFECTS IN THE WEBSITE OR THE PRODUCTS OR THE SERVICES WILL BE CORRECTED.

c. SIBPL WILL NOT BE LIABLE FOR ANY LOSS THAT YOU MAY INCUR AS A CONSEQUENCE OF UNAUTHORIZED BY YOU.

4. Indemnification and Limitation of Liability

a. You agree to indemnify, defend and hold harmless SIBPL and its affiliates including but not limited to its group companies, directors, consultants, agents, and employees (“Indemnitees”) from and against any and all losses, liabilities, claims, damages, demands, costs, and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by the Indemnitees that arise out of, result from, or may be payable by virtue of, any breach or non-performance of any representation, warranty, covenant, or agreement made or obligation to be performed by You pursuant to these ToU. Further, You agree to hold the Indemnitees harmless against any claims made by any third party due to, or arising out of, or in connection with, Your use of the Website or the Services, Your ToU, or Your violation of any rights of another, including any intellectual property rights.

b. In no event shall SIBPL, its officers, directors, consultants, agents, and employees, be liable to You or any third party for any special, incidental, indirect, consequential, or punitive damages whatsoever, including those resulting from loss of use, data or profits, whether or not foreseeable or whether or not SIBPL has been advised of the possibility of such damages, arising out of or in connection with (i) Your use of or access to the Website, Services or materials on the Website;

c. The limitations and exclusions in this Section apply to the maximum extent permitted by applicable laws.

5. Governing Law

These ToU and all transactions entered into on or through the Website and the relationship between You and SIBPL shall be governed in accordance with the laws of India without reference to conflict of laws principles.

You agree that all claims, differences and disputes arising under or in connection with or in relation to the Website, the ToU, or any transactions entered into on or through the Website or the relationship between You and SIBPL shall be subject to the exclusive jurisdiction of the Courts at Delhi, India and You hereby accede to and accept the jurisdiction of such Courts.