Introduction

Terms & Conditions

1. The New India Assurance Company Ltd., Credit Risk Office maintains the web-site www.niacreditshield.com("the Site") to provide you with information about The New India Assurance Company Ltd., Credit Risk Office services,products and to facilitate communication with The New India Assurance Company Ltd., Credit Risk Office. The visitors to the Site are required to read the below mentioned terms and conditions and your use of this Site constitutes your agreement to all such terms and conditions.

2. Not all the products and services are available in all geographic areas. You may not be eligible for all the products or services offered by The New India Assurance Company Ltd., Credit Risk Office on the Site. The New India Assurance Company Ltd., Credit Risk Office reserves the right to determine the eligibility for any product or service. The New India Assurance Company Ltd., Credit Risk Office does not warrant the accuracy, adequacy or completeness of the information and materials contained in these pages, including text, graphics, links and other items, and expressly disclaims liability for errors or omissions of any kind.

3. Modification of these Terms of Use- The New India Assurance Company Ltd., Credit Risk Office reserves the right to change the terms, conditions and notices applicable to the use of the Site and reserves the right to modify any features of any products or services offered by The New India Assurance Company Ltd., Credit Risk Office on the Site and any information found on the Site. You are responsible for regularly reviewing these terms and conditions. Continued use of the Site after any such changes shall constitute your consent to such changes.

4. Copyright: All information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) is protected by copyright in the favour of The New India Assurance Company Ltd., Credit Risk Office under applicable copyright laws and is also protected otherwise under general intellectual property law. All information submitted to The New India Assurance Company Ltd., Credit Risk Office through this Site shall be deemed to be the property of The New India Assurance Company Ltd., Credit Risk Office, and The New India Assurance Company Ltd., Credit Risk Office shall be free to use any ideas, concepts, know-how or techniques provided by a visitor at this Site, in any manner whatsoever. The New India Assurance Company Ltd., Credit Risk Office is not bound by the obligation of confidentiality regarding submitted information unless the visitor has a direct customer relationship with the bank or unless specifically agreed or required by law.

5. Personal and Non-commercial use restriction: You may 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 you may download material from this Service for your own personal, non-commercial use.

6. Liability Disclaimer :

(a) The New India Assurance Company Ltd., Credit Risk Office does not warrant that the services and products offered by the Site will be uninterrupted or error-free. There may be delays, omissions, interruptions and inaccuracies in the products, services, information or other materials available on this Site. The New India Assurance Company Ltd., Credit Risk Office is also not responsible for the availability or content of other services that may be linked to this Site. Hyperlinks to other internet sites are at your own risk, the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by The New India Assurance Company Ltd., Credit Risk Office in any way. The New India Assurance Company Ltd., Credit Risk Office 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 with respect to any information or services or products that are available or advertised or sold through this Site. The New India Assurance Company Ltd., Credit Risk Office does not make any representations, nor do we endorse the accuracy, completeness, timeliness or reliability of any advice, opinion, statement or other material or database displayed, uploaded or distributed by this Site or available through links in this Site. We reserve the right but are not required to correct any errors or omissions in this Site. The New India Assurance Company Ltd., Credit Risk Office may make improvements and/or changes to the Site provided therein at any time.

(b) Although The New India Assurance Company Ltd., Credit Risk Office will take serious steps to prevent the introduction of viruses, vandals, worms, 'Trojan horses' or other destructive materials to this Site, The New India Assurance Company Ltd., Credit Risk Office does not guarantee or warrant that this Site or the materials that may be downloaded from this Service do not contain such destructive features. The New India Assurance Company Ltd., Credit Risk Office is not liable for any damages or harm attributable to such features. If you rely on this Site and any materials available through this Site, you do so solely at your own risk.

(c) The New India Assurance Company Ltd., Credit Risk Office, each of its officers, directors, shareholders, parents, subsidiaries, affiliates, agents, or licensors shall not be liable for incidental, indirect, consequential, special, punitive, exemplary damages, or any damages whatsoever, including but not limited to damages for lost revenues or profits, loss of business or loss of data arising out of or in any way related to the use and performance of this Site or for any claim, loss or injury based on errors, omissions, interruptions or other inaccuracies in arising out of the use of the Site, whether based on contract, tort, negligence, strict liability or otherwise. If you are dissatisfied with any portion of the Site your sole and exclusive remedy is to discontinue using the Site and the related services.

7. As a condition of your use of the Site you warrant that you will not use the Site for any purpose that is unlawful, or prohibited by these terms and conditions. You may not use the Site in any manner that could damage, disable or impair the Site or interfere with any other party's use or enjoyment of the Site.

8. The New India Assurance Company Ltd., Credit Risk Office shall not be considered in default of its obligations hereunder if performance of such obligations is prevented or delayed by causes beyond its reasonable control, including, without imitation, internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, acts of God or government, war, riots, acts of civil disorder, labour disputes, failure or delay of transportation, non-performance of third parties. 9. These terms and conditions may be withdrawn/superseded at any time whatsoever, by The New India Assurance Company Ltd., Credit Risk Office without any prior notice.

10. The Courts in Mumbai alone shall have exclusive jurisdiction as regards any claims or matters arising out of dealings with us, and all disputes will be governed by the laws of India. 11. These terms and conditions are in addition and not in derogation of the applicable terms and conditions relating to the services that you may obtain, including without limitation net activity.