Your access to and use of this site is subject to the following terms and conditions and all applicable laws. By accessing and using this site, you accept the following terms and conditions, without limitation or qualification.

PrakashMahtani.com and InsuranceCRM.com(TM) (the "Site") and the Hyperlinks to other websites contained herein (the "Links") are accessible worldwide to anyone with Internet access. The links to other Internet sites are included on this Web site solely as a convenience to our users and the general public. This Web site and any communication there from may contain links to other Web sites. Please note that when you click on one of these links, you are moving to another Web site. We encourage you to read the Agreements of these linked sites.

We do not in any manner certify the genuineness or the reliability of any of the information contained in the Links and users must verify such particulars themselves. The information on the site and the links is not intended as, nor should it be construed as, legal or professional advice. The materials contained in the site, both text and graphics, are presented for informational purposes only. Nothing on this Web site is intended as, nor should be construed as, an offer to sell or an invitation to buy any insurance product.

Access to and use of the Site are subject to the terms and conditions of this User Agreement and Copyright Agreement as well as all other terms, conditions and rules that may be published or displayed from time to time, including each amendment, alteration, modification, or supplementation of any and all of the foregoing. All amendments are effective within 5 days after posting on our Site. Your access to or use of this Site on or after such effective date constitutes acceptance of the amendments.
Websites that have links on our Site may collect personal information about you. The information practices of websites linked to our Site are not covered by this agreement.

The materials used and displayed on the Site, including but not limited to text, software, photographs, graphics, illustrations, artwork, video, music and sound, names, logos, trademarks and service marks are protected by copyright, trademark and other laws. The user agrees not to directly or indirectly copy, modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate, whether electronically, mechanically, or otherwise, in any form including, but not limited to, the copying of presentation style, content, or content organisation, any such material without our written permission.

The site is provided on an "as is" basis without warranties of any kind or responsibility, either express or implied, including but not limited to warranties of title, implied warranties of merchantability or fitness for a particular purpose, non-infringement information, informational content, or completeness or informational accuracy, usefulness, uninterrupted access. We are not responsible or liable for the accuracy or reliability of any opinion, advice or statement on the site. The foregoing applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorised access to, alteration of, or use of record, whether for tortuous behaviour, negligence or any other cause of action.

The Site and links may include Discussion Forums, chat rooms and other user and member created pages, which allow the user to post information, provide feedback to us, and interact in real-time. The user agrees not to post or transmit any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material against any insurance company or its products or which encourages conduct that would constitute a criminal offence, violate the rights of others, or otherwise violate any applicable local, state, national or international law, statute, ordinance or regulation.

The user shall not post or transmit any viruses, Trojan horses, “sniffer”, routines, backdoors, worms, time bombs, cancelbots, or other similar harmful or deleterious programming routines, including any programs or messages that are intended or designed to damage, interfere with, hinder, or harm any portion or all of the Site or the services or surreptiously to intercept, disable, alter or expropriate any system, data, personal information, or facilities associated with our website (including, without limitation, e-mail and other communication services). Although we may, from time to time, monitor or review discussions, chats, postings, transmissions, bulletin boards and other user and member generated pages on the Site, we are not under any obligation to do so. The user acknowledges that we do not control the information available on the bulletin boards, chat rooms and other user and member generated pages and that any opinions, advice, statements, services, offers or other information or content presented or disseminated on any bulletin board, chat room or on any other user or member generated pages are those of their respective authors who are solely liable for their content. We reserve the right, in our sole discretion, to edit, refuse to post or remove any material submitted to or posted on the chat rooms, bulletin boards or on any other user or member generated pages. If the user voluntarily discloses personal information (e.g., user name, email address etc) on a bulletin board, chat room or on any other user or member generated pages, that information can be collected and used by others and may result in unsolicited messages from other parties. You will be responsible for, and indemnify and hold us harmless against, any claim arising from any material that you post or transmit or remove.

We shall not be liable to any user or anyone else for any loss or injury or any direct, indirect, incidental, consequential, special, punitive or similar damages arising out of your access or use of, or your inability to access or use, the site and the links and the information available on the site and the links or arising out of any action taken in response to or as a result of any information available on the service and the links. The user hereby waives any and all claims against us arising out of your use of the site and the links and the information available thereon. The use of the site and the links is at your own risk.

If any term, provision, covenant, restriction of this Agreement is held by a court of competent jurisdiction or other authority to be invalid, void, unenforceable, or against public policy, the remainder of this Agreement shall remain in full force and effect.

We maintain this Site in Mumbai, India, and the user agrees that these terms and conditions of use and any legal action or proceeding relating to this Site shall be governed by the laws of India and the jurisdiction of the Mumbai High Court without reference to its choice of law rules. If you attempt to bring legal proceedings against us, you specifically acknowledge that we are free to choose the jurisdiction of our preference as to where such action against us may be held.