0484 2303033



If you continue to browse and use this application, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our Privacy Policy, govern ACCESS Insurance Broking Pvt. Ltd’s relationship with you. The term “ACCESS Insurance Broking Pvt. Ltd” (or “ACCESS”/“us”/“we”) refers to the owner of the application. The term “you” refers to the user or viewer of our application.

The Use Of This Application Is Subject To The Following Terms Of Use

You understand and accept that ACCESS maintains this application and related websites (going ahead referred to as “application”) to provide POSPs with information about ACCESS, its services, and products and to facilitate communication with ACCESS and availing its services. You also accept that visitors to the application are required to read the below terms, and use of the application constitutes your acceptance and agreement to be bound by such terms, and the changes therein to the Terms from time to time, relating to your usage of the application as communicated or made available on the application.
You are aware and accept that all information, content, materials, and products (including, but not limited to text, content, photographs, graphics, video, and audio content) on the application are protected by copyright either in the favour of ACCESS or third parties whom the appropriate permissions have been taken under applicable copyright laws and is also protected otherwise under general intellectual property law. You understand and accept that all information, except your personal information, submitted by you through the Site shall be deemed the property of ACCESS, and ACCESS shall be free to use any ideas, concepts, know-how, or techniques provided by you in the application, in any manner whatsoever.
On initiating a contact through the application, you agree to be contacted by ACCESS or any other entities with whom ACCESS has entered into an arrangement. You agree that you shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer, or in any way exploit any part of any information, content, materials, services available from or through the Site, except that which you may download for your own personal, non-commercial use. You agree that you will not use the ACCESS application for any purpose that is unlawful or prohibited by these Terms. You also agree you will not use the Site in any manner that could damage, disable, or impair the application or interfere with any other party’s use, legal rights, or enjoyment of the application.

You acknowledge that the software and hardware underlying the application as well as other Internet-related software which are required for accessing the application are the legal property of the respective Vendors. The permission given by ACCESS to access the application will not convey any proprietary or ownership rights in the above software/hardware. You agree that you shall not attempt to modify, translate, disassemble, decompile, or reverse engineer the software/hardware underlying the application or create any derivative product based on the software/hardware. You understand that the data and information provided on the application do not constitute advice and shall not be relied upon by you while making investment decisions.
You understand and accept that not all the products and services offered on this application are available in all geographic areas and you may not be eligible for all the products or services offered by SRE in the application. ACCESS reserves the right to determine the availability and eligibility for any product or service. You understand and accept that ACCESS is not responsible for the availability of content or other services on third-party sites linked to the application.
ACCESS does not make any warranties and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title, or non-infringement concerning any information, services or products that are available or advertised or sold through these third party websites. ACCESS shall not be liable if any transaction does not fructify or may not be completed or for any failure on the part of the ACCESS to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case, its obligations shall be suspended for so long as the Force Majeure event continues.

“Force Majeure Event” means any event due to any cause beyond the reasonable control of ACCESS, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc. By using the services provided through this application, you shall be deemed to have accepted the Terms and Conditions herein including the amended terms and conditions published on the application.
You hereby irrevocably and unconditionally grant no objection to ACCESS and the respective mutual funds / RTAs to collate the transaction details relating to the investments in mutual fund units done by you on the online technology platform of ACCESS and provide such transaction data to ACCESS for further processing of your transactions You understand and accept that ACCESS has the absolute discretion to amend or supplement any of the terms at any time, and will give prior notice of 30 days for such changes. The changed terms and conditions shall be communicated to you on the application, and by other acceptable modes of communication. By using ACCESS’s services, you shall be deemed to have accepted the changed terms and conditions. You accept that the Courts in Noida alone shall have exclusive jurisdiction as regards any claims or matters arising out of dealings with ACCESS.
All disputes will be governed by the laws of India. In the event of a dispute between You and ACCESS on the accuracy of transaction details provided by you in the ACCESS application, the transaction logs maintained by the ACCESS back office will be the only source of data to verify the accuracy of such transactions. You understand and agree that these terms are in addition to, and not in derogation of, the applicable terms and conditions relating to your usage of any ACCESS services that you may be currently availing, of or may avail of in the future.


ACCESS shall not, in the absence of gross negligence on the part of ACCESS, be liable to you for any act, omission, or delay by the mutual fund or for any claims that you may suffer or incur as a result of or in the course or discharge by ACCESS or its employees, officers, directors, nominee or agent of ACCESS’s duties. Without prejudice to the above, ACCESS shall not be held liable for any loss, damage, or failure to comply or delay in complying with its obligations under the Terms & Conditions which is caused directly or indirectly by any event or circumstances beyond ACCESS’s reasonable control. These include system failure, network errors, delay or loss of data due to the above and in circumstances of acts of God, floods, epidemics, quarantine, riots, civil commotion, and/or war.
You further agree that ACCESS shall not be held liable for any losses, damages, expenses, costs, liabilities, and claims of whatsoever nature caused by fraudulent or unauthorized use or access of your personal information, and/or signatures. ACCESS will be under no duty to verify compliance with any restrictions on your investment powers. ACCESS will not be liable for any loss, damage, cost, charges, or expenses directly or indirectly caused by reasons of any defects or imperfections or mechanical or other failure with relation to the computer, cable, telex, telephone, or postal system. While ACCESS will make every effort to have its computer systems available at all times, ACCESS makes no guarantees concerning the availability of such systems.
ACCESS will make every effort to resolve availability issues such as network problems, virus attacks, etc. expeditiously. Notwithstanding these, ACCESS will as such not be liable for any loss, damage, cost, charges, or expenses directly or indirectly caused by reasons of lack of such availability. ACCESS shall not be liable for any loss or damage caused because of failures or delays of the mutual fund to deliver any units purchased even though payments have been made for the same, or failure or delay in making payment in respect of any units sold, though they may have been delivered and you shall hold ACCESS harmless and free from any claim in respect thereof.

ACCESS shall also not be liable for any delay, failure, or refusal of the mutual fund in registering or transferring units to your names or for any interest, dividend, or other loss caused to you arising therefrom. In instances of third-party claims, ACCESS shall not be liable for any failure/delay, wherein such claims/losses arise due to a reason entirely attributable to an error or gross negligence of the mutual funds/BSE/AMC/RTA. Any information contained in ACCESS brochures or other materials or otherwise communicated by ACCESS shall not be construed as investment advice and all decisions to purchase or sell units made by you shall be based on personal judgment arrived at after due consideration.
ACCESS does not in any manner: guarantee payments on any units; guarantee liquidity of any units, make any offer to buy back any units; guarantee the redemption or repayment of any units on maturity; guarantee the payments of interest or dividends; or promise, indicate, or guarantee any returns; or guarantee any good delivery; or subscribe to units of mutual funds on behalf or in the name of user or collect payments from user for the units so purchased by user for remitting it further to the AMCs; or receive any account statement from mutual funds/AMCs, on behalf of or in the user name about the units; or redeem /sell the units held by the user or on its behalf or in its name; or unilaterally instruct the mutual fund and/or the corresponding AMCs with regards to nomination/changes in investments plan/any other changes; or sign any document on behalf of or in the name of the user for the purchase, sale, or redemption of units; or collect, receive and/or give receipts and discharges for any sum including dividend, interest, or income arising from the units and do not sign and/or endorse dividend and interest warrants on my/our behalf or in my/our name; or correspond with or give notice to the mutual fund/AMCs on behalf of or in the name of the user, except for transmission of transactions done or purported to be done by the user on the online technology platform.

ACCESS does not make any promises to the user basis the graphical representation provided on the application. The data collected from you to calculate the prospective investment amount is about the past investment history of the user and shall not be construed as authoritative advice to the user. ACCESS does not offer any advice and nothing herein or on the ACCESS application shall be construed as investment advice by the user. Any sum invested through an ACCESS registered account is not a deposit with ACCESS and is not bank-insured. The same is not endorsed or guaranteed and does not constitute obligations of ACCESS or any of the subsidiaries associates or affiliates companies whose role is only as described in the Terms & Conditions. Investments in mutual funds are subject to market risks, including the possible loss of the principal amount invested. The value of the units purchased or not purchased will fluctuate. If you redeem the units/shares purchased, you may receive more or less than what you have/had paid depending upon the NAV of the units in the fund or trust at the time of redemption. Past results are not a guarantee of future performance. Past performance may or may not be sustained in the future.


As per SEBI circular dated 30-06-2009, distributors should disclose all the commissions (including in the form of trail commission or any other mode) payable to them for different competing schemes of various mutual funds from among which a scheme is recommended to the client. You are requested to refer to the scheme details section on our mobile application and web portal while doing transactions to know the commission structures of the scheme.


1. Cancellation timeline: The partner can request cancellation within 3 working days of payment of the fee. On cancellation, the partner will be required to return all the material shared by ACCESS
2. Cancellation process: To cancel an order, customers must contact our customer support team at info@accessbroking.com with the order details. The customer support team will verify the eligibility of the order for cancellation and process the cancellation if applicable
3. Refund of Partner Onboarding Fee: Refund will be applicable only on valid cancellations
4. Refund method:: Refunds will be processed through the same payment method that was used to make the initial purchase
5. Refund timeline: Refunds will be processed within 7 business days from the date of the refund request
6. Refund amount: The refund amount will be equal to the original purchase price, minus any applicable fees or charges wherever applicable
Whereas, the Company is a Direct Broker (life and general) registered by IRDAI number 0868 Registration code. Whereas, the Company wishes to contract with POSP to solicit the Insurance products, as may be specified/permitted by the Insurance Regulatory & Development Authority of India (IRDAI) from time to time, on the terms and conditions provided for herein.
Whereas, POSP desires to enter into an Agreement with the Company for the solicitation of such Insurance product/products Whereas, The Company appoints the POSP to sell and service Insurance policies on behalf of the Company. The Company reserves the right to terminate the contract of any such POSP. The
Company and the POSP expressly agree that the POSP is not an employee of the Company and shall be considered an independent contractor for this agreement. The POSP shall not be reimbursed for any expenses incurred under this agreement and shall supply his or her workplace, use his or her supplies, and set his or her work hours, all at no cost to the Company.



It is expressly understood by and between the parties hereto that the terms mentioned in this Agreement shall have the same meaning as ascribed to it under the Regulations.
a. “Act” means the Insurance Act, 1938 (4 of 1938).
b. “Authority” or “IRDAI” means the Insurance Regulatory and Development Authority established under the provisions of Section 3 of the Insurance Regulatory and Development Authority Act, 1999 (41 of 1999).
c. “Insurance Broker” – as defined in Regulation 2(1)(k) of Insurance Regulatory and Development Authority (Insurance Company) Regulations, 2013.
d. “Effective Date” shall mean the date of issuance of completion certificate by the Company
e. “Insurance Broker” – as defined in Regulation 2(1)(k) of Insurance Regulatory and Development Authority (Insurance Company) Regulations, 2018.
f. “Insurer” – as defined under Section 2 (9) of Insurance Act, 1938.
g. “POSP” – means Point of Sale Person as defined in guidelines issued by IRDAI relating to POSP’s for Insurers (life and general).
h. “Website” – – shall mean ‘www.accessbroking.com’, which is owned and maintained by the Insurance Broker.
All definitions mentioned in the IRDAI Guidelines, IRDAI Insurance (Broker) Regulations, 2018 and guidelines related to POSPs for Insurers (life and general) updated from time to time and regulations for Insurance Broker and POSP shall apply mutatis mutandis to the terms of this Agreement. In this Agreement, headings are for convenience only and do not affect the interpretation of this Agreement, and, unless the context otherwise
a. words in the singular include the plural and vice versa;
b. words importing a gender include any gender;
c. a reference to a Clause is to a clause of this Agreement;
d. All words and expressions used and not defined in this Agreement but defined in the Insurance Act 1938, the Insurance Regulatory and Development Authority Act, 1999, or any of the Regulations made thereunder shall have the meanings respectively assigned to them in those Acts or Regulations.


The POSP shall be at least 10th pass or have any other qualification IRDAI may prescribe from time to time.


a. The POSP person shall attend an in-house training session for a minimum of 15 (fifteen) hours as may conducted by the Company per the specifications laid down under the IRDAI Guidelines on Point of Sales Person – life and general.
b. Post completion of the in-house training session, the POSP person shall be required to undertake the exam conducted by the Company and thereafter score the minimum grades to pass the exam.
c. Upon successful completion and passing of the exam, the POSP person shall receive a certificate from the Company in the format as prescribed under the IRDAI Guidelines on Point of Sales Person – life and general Insurers.


The Parties agree that POSP shall perform the activities as allowed and envisaged under the IRDAI prescribed guidelines from time to time. The Company agrees to make payment and/or remuneration to the POSP fees for the services and discharge of his functions obligations to be rendered by the POSP as specified in Annexure II attached hereto. The remuneration is subject to the deduction of all applicable taxes.
POSP confirms that the first/incepting policy sale done by him/her, if solicited for himself/herself, the
commission for the same policy will not be payable by the Company to him/her until further sales are effected.


a. This Agreement shall become effective from the Effective Date as defined in Clause 1(c) of this Agreement and shall remain in force till expiry or cancellation of the License for any reason whatsoever.
b. The Parties can renew or enter into another agreement or may on or prior to the expiry of the term aforementioned, mutually agree in writing to extend this Agreement for a further period/s of such duration as agreed by the Parties subject to renewal of registration.
c. Notwithstanding anything contained in this Agreement to the contrary or notwithstanding any separate written communication, either Party may terminate this Agreement at any time by providing one (1) month’s prior notice in writing to the other Party during the validity of the Agreement.
d. This Agreement will terminate automatically upon the occurrence of any of the following events by POSP, and upon such occurrence, the parties shall be obligated to make only those payments the right to which accrued to the date of termination:
1. Failure of the POSP to attend the in-house training session as conducted by the Company
2. Failure of the POSP to clear the examination as conducted by the Company
3. Conviction of a felony by POSP
4. Misappropriation (or failure to remit) any funds or property due to the Company from POSP
5. Determination that POSP is not in compliance with Company underwriting guidelines or the terms of this Agreement and POSP has failed to correct the problem within 10 days of the Company providing written notice of same
6. In the event of fraud or material breach of any of the conditions or provisions of this Agreement on the part of either party, the other party may terminate the Agreement immediately upon written notice
7. Fails to comply with directions of the Company
8. Furnish wrong information conceal the information or fail to disclose the material facts of the policy to the policyholder
9. Fails to resolve complaints, unless the circumstances are beyond his control, emanating from the business procured by him and persons he deals with
10. Indulges in the inducement in cash or kind with the client or any other insurance intermediary/agent/insurer
11. Fails to pay any penalty levied on his account
12. Fails to carry out his obligations as prescribed in the agreement and in the provisions of
13. Act/regulations/circulars or guidelines by IRDAI from time to time
14. Acts in a manner prejudicial to the interest of the company or the client
15. Acts in a manner that amounts to diverting funds of his Group/Affiliates or associates rather than engaging in the activity of soliciting and servicing insurance business
16. Is found guilty of fraud or is charged or convicted in any criminal act
17. Indulges in any other misconduct.
e. Agreement shall automatically terminate if the POSP acquires a license as or becomes related to, an insurance company, insurance agent, corporate agent, micro-insurance agent, TPA, Surveyor, Referral partner, or loss assessor. Upon contravention of Clause 5(e) by the POSP, the POSP shall be liable to indemnify the Company to the extent of such losses as may be incurred by the Company.


a. POSP represents and warrants to the Company that:
1. He/she has the necessary qualification power or authority and the legal right to conduct the business/provide unprejudiced services to the company in respect of all or any of the functions
2. POSP represents and warrants that he/she has never been convicted of any crime involving moral turpitude and is not disqualified as per section 42D(5) of the Insurance Act and remains Fit and Proper as per the format enclosed herewith as Annexure-2
3. He is not associated with or has been simultaneously engaged by any other insurance intermediary (life and general) for providing similar obligations as more specifically provided under Clause 7 of this agreement
4. He shall not during the term of this Agreement engage himself/herself with any other insurance intermediary (life and general)
5. He has the necessary power or authority and the legal right to execute, deliver, and perform this agreement
6. He shall comply with all applicable regulatory and other legal requirements to this Agreement
7. POSP will diligently and to the best of its ability ensure that the facts set forth by any applicant/prospect in any application it solicits are true and correct.
b. The Company hereby represents and warrants to – that:
1. i. It has obtained all the necessary approvals, permits, and authorizations internally or otherwise, as may be required to engage in the business as envisaged under and to enter into this Agreement
2. It has fulfilled all the criteria provided under the applicable Regulations but not limited to the IRDAI guidelines on Point of Sales Person for Life Insurers, General Insurers, Guidelines on Point of Sales Person – Life Insurers, Insurance Regulatory and Development Authority (Insurance Broker) Regulations, 2018, and amendments thereof to act as POSP
3. It shall comply with all applicable regulatory and other legal requirements to this Agreement


The POSP hereby agrees, covenants, and undertakes with – as follows:
1. POSP will comply with all laws and regulations that relate to this Agreement and shall indemnify and hold the Company harmless for its failure to do so. POS shall maintain in good standing, at its own cost, the license required by all applicable statutes and regulations
2. POSP shall not solicit any business except mentioned in Schedule “A” i.e., the policies/products authorized by IRDAI from time to time
3. POSP will comply with the Company’s rules and regulations relating to soliciting the insurance business. As a material part of the consideration for the making of this Agreement by the Company, POSP agrees that there will be made no representations whatsoever with respect to the nature or scope of the benefits of the Policies sold except through and by means of the written material either prepared and furnished to POS for that purpose by the Company or approved in writing by the Company prior to its use. POS shall have no authority and will not make any oral or written alteration, modification, or waiver of any of the terms or conditions of any Policy whatsoever
4. POSP will conduct itself so as not to adversely affect the business, good standing, and reputation of the Company
5. POSP agrees not to employ or make use of any advertisement in which the Company’s (or its affiliate’s) name or its registered trademarks are employed without the prior written approval and consent of the Company. Upon request of POSP during the term of this Agreement, the Company shall make available for POSP’s use, standard visiting cards, and other material. POSP may add, at POSP’s expense, to the standard advertising only its business name, business address, POSP number, and telephone number, as provided for in the advertising. No deletions or changes in the advertising copy are permissible
6. POSP shall act solely as an independent contractor, subject to the control and guidance of the company, and as such, shall have control on all matters, its time and effort in the placement of the Policies offered hereunder. Nothing herein contained shall be construed to create a relationship between the employer and employee between POSP and the Company
7. POSP shall indemnify and hold the Company and its officers, and employees harmless from all expenses, costs, causes of action, claims, demands, liabilities, and damages, including reasonable attorney’s fees, resulting from or growing out of any unauthorized act or transaction or any negligent act, omission or transaction by POSP or employees of POSP
8. Change of Address. POSP shall notify the Company in writing of any change of address and/or communication at least thirty (30) days prior to the effective date of such change
9. POSP shall not engage or employ anyone as canvassers or agents for soliciting the insurance business
10. Collection of Premiums: POSP shall have no authority, without written permission of the Company, to collect or provide a receipt for premiums to the customer and shall assist the client in compliance of section 64VB of the Insurance Act 1938
11. Other Expenses: POSP shall have no claim or shall not be entitled to reimbursement for any expenses
12. POSP shall, on behalf of the Company, collect premiums as per IRDAI norms. All premiums collected on business produced by the POSP hereunder shall be submitted to the Company within the same day of receipt by POSP
13. To faithfully perform all duties required hereunder, to cooperate with the Company in all matters pertaining to the issuance of policies, cancellations, and claims, and to promote the best interest of the Company
14. POSP will be bound not to work for any other intermediaries or insurance companies. Whatever work he does in the insurance space, POSP is bound to do through the Company only
15. POSP will ensure compliance with KYC/AML guidelines issued from time to time and obtain the necessary documents in this regard
16. POSP shall not do any claim consultancy and if such opportunity that comes in this area, he shall be further obliged to bring the same to the notice of the company for its further action
17. Any financial penalty levied by the IRDAI based on the violations and non-compliance by the POSP of the applicable laws and regulations shall be borne by the POSP and not the Company. Similarly, in case of any suspension, cancellation, or withdrawal of the license of the Company because of any breaches/noncompliance on account of POSP, the POSP shall indemnify the Company for consequential losses specifically arising from the violation of IRDAI Guidelines, IRDAI Insurance (Broker) Regulations, 2018 and guidelines related to POSP’s for Insurers (life and general) as updated from time to time
18. The POSP shall be duty-bound to cooperate with the officers of IRDAI for the purpose of inspection as may be required by IRDAI inspectors or investigating authorities from time to time
19. The POSP shall inform the Company in advance by way of a written declaration as acceptable to the Company in case the POSP is associated with or has been simultaneously engaged by any other insurance intermediary (life and general)
20. The POSP shall carry on its business pertaining to POSP products lawfully and diligently, and in compliance with all applicable laws, rules and regulations including but not limited to the IRDAI Guidelines on Point of Sales Person – General Insurers, Guidelines on Point of Sales Person –Life Insurers
21. The POSP shall maintain proper records and reports of its activities in a manner mutually agreed upon by the parties and in a manner prescribed by IRDAI
22. The POSP shall comply with all the provisions of the Insurance Act 1938, IRDA Act, 1999 and rules and regulations framed thereunder and such other directions issued and/or amended by the Authority from time to time.
23. The Company shall have the right to inspect the POSP including books and records of the POSP applicable and under this agreement. Further, the Company shall have the right to review of the performance of the POSP.


1. The Company shall be responsible for conducting an in-house training session for the POS person for a minimum of 15 (fifteen) hours as per the model syllabus specifically provided under the IRDAI Guidelines on Point of Sales Person – life and general which may include features of various POS products designed by the Company from time to time and may be modified and developed according to the business needs of the Company
2. The Company shall issue a certificate to the POS person in the format as specified under the IRDAI Guidelines on Point of Sales Person – life and general only upon successfully clearing the exam it conducts
3. The Company shall maintain records of all information obtained through the POSP, the details of the policies sold out of such information thus obtained and other functions/activities performed by POSP as a part of his engagement/appointment with the company. The Company shall furnish such records o information in relation to this agreement as and when required by the Authority
4. The Company shall upload the details of the POS person with the Insurance Information Bureau (IIB), Hyderabad and thereafter shall maintain a proper record of training and examination for a minimum of 5 (five) years from the end of the financial year in which these examinations are conducted and shall make available such records for the purpose of inspection by the respective government authority
5. The Company shall vary depending upon the specific product being sold by POS. For all products, the Company will provide brochures and proposal forms. The Company will deliver to the customer all insurance policies and related correspondence or similar documents, in accordance with Company procedures
6. The Company shall respond in a reasonable and timely manner to inquiries and questions about the product
7. The Company shall maintain reasonable accounting, administrative, and statistical records in accordance with prudent standards of insurance record keeping, including premium, sale or effective date, and any other records needed to verify coverage, pay claims, or underwrite the company insurance products, of any insured participant covered under the policies.


1. The Company reserves the right to reject any and all applications for its Policies submitted by POSP if they are not found to be of the order of merit required by the customer or the company or the Insurance Company
2. The Company reserves the right to discontinue writing or offering any of the Policies that become subject to this Agreement upon giving a thirty (30) day’s written notice to POSP (or any other number of days as prescribed under law in the POSP’s state of domicile)
3. The Company shall share with the POSP, information relating to its products from time to time


1. POSP confirms and undertakes that he will not violate privacy covenants and in case of any breach of privacy the POSP shall be solely responsible for losses arising out of the same
2. POSP shall ensure that there are proper encryption and security measures to prevent any hacking into the information/data pertaining to transactions contemplated under this Agreement. POSP shall adhere to the appropriate security norms including but not limited to the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 as amended from time to time
3. POSP shall not share any information of the clients and the Company with others without permission of the client and the company


All intellectual property rights (in the nature of trademark or copyright or any other right) in the brand name, product names, logos, designs, color schemes, names, marks, designs, drawings, color, artistic work/manner , etc. (hereafter collectively referred as “Marks”) shall vest exclusively and at all times with the Company and the POSP agrees and undertakes not to set up an adverse claim at any time either during the currency of this Agreement or at any time thereafter. The POSP also agrees and undertakes that it shall not allow the usage of Marks by any other third party.


Both parties recognize, accept, and agree that all tangible and intangible information obtained or disclosed to each other and/or its personnel/representatives, including all details, documents, data, records, reports, systems, papers, notices, statements, business information and practices and trade secrets (all of which are collectively referred to as “Confidential Information”) shall be treated as confidential and both Parties agree and undertake that the same will be kept secret and will not be disclosed, save as provided below, in whole or in part to any person/s and/or used and/or be allowed to be used for any purpose other than as may be necessary for the due performance of obligations hereunder, except with written authorization from other parties.
a. POSP agrees and undertakes that he shall hold all Confidential Information in confidence and in particular shall:
1. not use or permit or enable any person to use any of the Confidential Information in any manner
2. not disclose or divulge any Confidential Information to any person return all and any Confidential Information which may be in his possession/custody within three years of termination/ expiry of this agreement.
b. The obligation of confidentiality as above shall not apply to any information which is:
1. in the public domain through no fault of the receiving party
2. rightfully received from a third party without any obligation of confidentiality
3. rightfully known to the receiving party without any limitation on use or disclosure prior to its receipt from the disclosing party
4. independently developed by the receiving party
5. generally made available to third parties without any restriction on disclosure
6. communicated in response to a valid order by a court or other governmental body, as otherwise required by law, or as necessary to establish the rights of either party under this Agreement, or.
c. Obligations under this clause to the extent provided shall continue to apply even after the termination or expiry of this Agreement. In case of any breach of this provision by either party, POSP undertakes to indemnify for losses caused due to such breach.


POSP agrees to indemnify and keep indemnified and hold harmless at all times its directors and officers from and against any and all losses, claims, actions, proceedings, damages (including reasonable legal and lawyer’s fees) which may be incurred by the Company on account of (a) negligence or misconduct on the part of the POSP (b) due to breach of any terms and conditions of this Agreement (c) for breach of any intellectual property rights of the Company, or of any third party which commences an action or makes a claim against the Company and such breach is attributable to the acts of omission/commission by the Insurance Company (d) any loss caused to the Company due to breach of Confidentiality by the POSP.


a. The provisions of this Agreement shall be governed by, and construed in accordance with Indian law.
b. Any dispute, controversy or claims arising out of or relating to this Agreement or the breach, termination or invalidity thereof, shall be settled by arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996. The following provisions shall be adhered to for any such arbitral proceedings:
1. The arbitral tribunal shall be composed of a sole arbitrator mutually appointed by the Parties. In the event of non-agreement, each of the parties shall individually appoint an arbitrator and there two arbitrators shall thereafter jointly appoint a third arbitrator which three arbitrators shall jointly conduct arbitration proceedings
2. The place of arbitration shall be Mumbai and any award whether interim or final, shall be made, and shall be deemed for all purposes between the Parties to be made, in Mumbai
3. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English. The procedural law of the arbitration shall be Indian law
4. The rights and obligations of the Parties under, or pursuant to, this Clause, including the arbitration Agreement in this Clause, shall be governed by and be subject to Indian law.


Includes website www.Access.com and related websites and mobile applications to provide POSP with information about Access Insurance, its services, and products and to facilitate communication with Access Insurance and availing its services.
POSP will be provided credentials to access the appropriate Software Products for the duration of this Agreement. Termination of this Agreement, for any reason whatsoever, will result in cessation of access to the Software Products for the POSP.
POSP acknowledges that the Software Products are the legal property of Access Insurance. The permission given by Access Insurance to access the Software Products will not convey any proprietary or ownership rights in the above software/hardware. POSP agrees that it shall not attempt nor will it help others to modify, translate, disassemble, decompile, or reverse engineer or gain unauthorized access to the software/hardware underlying the Software Products or create any derivative product based on the software/hardware.
POSP accepts that all information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the Software Products are protected by copyright either in the favour of Access Insurance or third parties from whom the appropriate permissions have been taken under applicable copyright laws and is also protected otherwise under general intellectual property law. POSP understands and accepts that all information, except its personal information, submitted by it through the Software Products or other means shall be deemed the property of Access Insurance, and Access Insurance shall be free to use any ideas, concepts, know-how or techniques provided by you through the Software Product or other means, in any manner whatsoever.
POSP is not entitled to rent or transfer the license for the Software Product without the prior written consent of Access Insurance. POSP agrees that Access Insurance reserves the right to:
a) modify the Software Product in any manner,
b) change the technical parameters of the Software Product, if this is necessary for its full functionality. without any advance notice to POSP.
POSP is responsible for maintaining the security of the credentials for access to its account on Access Insurance Insurance’s Software Products and not share such credentials with other persons. POSP shall be completely responsible for all consequences that shall follow in respect of breach of this clause.


A. Amendments; No Waivers
1. Any provision of this AGREEMENT may be amended or waived if, and only if such amendment or waiver is in writing and signed, in the case of an amendment by each Party or in the case of a waiver, by the Party against whom the waiver is to be effective
2. (ii) No failure or delay by any Party in exercising any right, power, or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise of any other right, power, or privilege. The rights and remedies herein provided shall be cumulative and not exclusive of any rights or remedies provided bylaw.
B. Entire Agreement; No Third-Party Rights
This AGREEMENT constitutes the entire Agreement between the Parties with respect to the subject matter hereof. No representations, inducements, promises, understandings, conditions, indemnities or warranties not set forth herein have been made or relied upon by any Party hereto.
Neither this AGREEMENT nor any provision hereof is intended to confer upon any Person other than the Parties to this AGREEMENT any rights or remedies hereunder.
C. Further Assurances
In connection with this AGREEMENT, as well as all transactions contemplated by this AGREEMENT, POSP agrees to execute and deliver such additional documents and to perform such additional actions as may be necessary, appropriate, or reasonably requested to carry out or evidence the transactions contemplated hereby.
D. Severability
The invalidity or unenforceability of any provisions of this AGREEMENT in any jurisdiction shall not affect the validity, legality, or enforceability of the remainder of this AGREEMENT in such jurisdiction or the validity, legality, or enforceability of this AGREEMENT, including any such provision, in any other jurisdiction, it is intended that all rights and obligations of the Parties hereunder shall be enforceable to the fullest extent permitted by law.
E. Captions
The captions herein are included for convenience of reference only and shall be ignored in the construction or interpretation hereof.
F. Counterparts
This Agreement may be executed simultaneously in duplicate each of which will be deemed an original, but all of which will constitute one and the same instrument.
Each Party represents that it shall abide by and observe all applicable laws, rules, and regulations.