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Terms of Use
 
References to terms ‘you’, 'your' and 'yours ‘shall mean any visitor to our website (www.ltinsurance.com) and References to terms 'we', 'us' and 'our' are references to L&T General Insurance Company Limited.

By accessing this website and its pages, you are agreeing to the terms and conditions and disclaimers set out below (the 'Terms') and continuing to use this website following the posting of any changes to the Terms will signify your consent to the changes made. Please check the terms and conditions once in a while for changes.

Use of information and materials
All information displayed, transmitted or carried on this website (including, but not limited to, directories, guides, articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clip, video clips, trademarks, logos etc) is protected by and in the name of L&T General Insurance Company Limited and under all applicable Indian laws, unless otherwise noted and may not be used except as provided in these Terms and Conditions, or in the text on the website, without the prior written permission of L&T General Insurance Company Limited.

The information related to our products provided on this website is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy. For further details, please refer to the sales literature and policy document. In the event of conflict, if any, between the terms and conditions contained in this website and those contained in the policy document, the terms and conditions contained in the policy document shall prevail.

Copyright and trademarks
All the trademarks, logos and service marks, information and content provided, displayed, transmitted or carried on this website (including, but not limited to, directories, guides, articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clip, video clips, trademarks, logos etc) is protected by and in the name of L&T General Insurance Company Limited and under all applicable Indian laws, unless otherwise noted and may not be used except as provided in these Terms and Conditions, or in the text on the website, without the prior written permission of L&T General Insurance Company Limited.

Linking to other websites
This website may contain links to other websites operated by third parties and/or its Affiliates (the “Group Sites”), that are not controlled by L&T General Insurance Company Limited, accordingly we do not make any representations concerning the privacy practices or policies of such websites or terms of use of such websites, nor do we control or guarantee the accuracy, integrity, or quality of the information, data, text, software, music, sound, photographs, graphics, videos, messages or other materials available on such websites. L&T General Insurance Company Limited disclaims all liabilities for the content and/or materials available on such other websites.

Cookies and other technologies
We sometimes collect anonymous information from visits to our website to help us provide better customer service. For example, we keep a track of the domains from which people visit and we also measure visitor activity on L&T General Insurance Company Limited website, but we do so in ways that keep the information anonymous. L&T General Insurance Company Limited or its affiliates or vendors may use this data to analyze trends and statistics and to help us provide better customer service. We maintain the highest levels of confidentiality for this information, our affiliates and vendors follow the same high levels of confidentiality. This anonymous information is used and analyzed only at an aggregate level to help us understand trends and patterns. None of this information is reviewed at an individual level. If you do not want your transaction details used in this manner, you can either disable your cookies or opt-out at the download or request page.

Consulting Services
The availability of the information and guidance as part the website does not constitute a recommendation by
L&T General Insurance Company Limited, to buy any policies etc. discussed therein by L&T General Insurance Company Limited or any of their personnel. Any decisions will be based solely on the Visitor's own evaluation of the policies / products of L&T General Insurance Company Limited and his/her need for the same. While adequate care would be taken to ensure completeness, accuracy etc of the information/services provided, neither L&T General Insurance Company Limited nor any of their personnel shall in any circumstance be liable for any loss or damage caused by a Visitor's reliance on information obtained through the website. It is the sole responsibility of the Visitor to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the website and the Visitor should consult his/her/its own legal counsel, business Advisor and tax Advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given.

Mailers
L&T General Insurance Company Limited may, choose to send direct mailers to you at the address given by you. We respect your privacy and in the event that you choose not to receive such mailers, kindly let us know in writing or by an e-mail, we will take all steps to remove you from the list.

Reservation of Rights
We reserve the right to change, modify, add to, or remove portions of these terms of use at any time.


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