Terms and Conditions


All users of the www.reliancenipponlife.com internet website must accept and comply with the Terms and Conditions setforth in the agreement. Hereinafter, Reliance Nippon Life Insurance Company Limited shall be referred to as 'RNLIC'

1. General Provisions
RNLIC hereby grants users a revocable, nontransferable, nonexclusive right to use the Site solely for their use in accordance with this User Agreement. The foregoing permission has been granted to Users subject to their agreement to abide by this User Agreement, as well as any other rules, procedures, policies, terms and conditions governing the Site that may be displayed from time to time on the Site and to which Users will be bound. The information accessible on and via the Site is the property of RNLIC, and is protected by copyright and other intellectual property and proprietary rights. Without limiting the foregoing of expanding any of their rights hereunder, users agree that they will not publish, broadcast, retransmit, reproduce, commercially exploit, create any derivative of or otherwise disseminate such information, the Site or any portion of the Site.

2. Ownership
The Site, its content and/or all intellectual property rights pertaining thereto (including but not limited to copyrights, patents, trademarks and service marks) are owned by RNLIC, and all rights, title and interest therein and thereto shall remain the property of RNLIC. Users agree not to remove any copyright, trademark or other proprietary notice or legend contained on the Site or its content (or printed copies thereof). RNLIC and other names of RNLIC products and/or services referenced herein, are exclusive trademarks of RNLIC. Other product and company names and trademarks appearing in the Site are the trademarks of their respective owners. As part of their use and enjoyment of the Site, Users may from time to time upload or post commentary, data, information and the content (the "Posted Content"). Users hereby grant RNLIC an irrevocable, nonexclusive, transferable, sub licensable right to use the Posted Content, with or without other elements, and without or without attribution to Users, partly or wholly, and in each and every way related to RNLIC business whether now or hereafter known or practiced.

3. Facilities
The Website basically provides for the users, the following information:

  • RNLIC's Corporate information
  • RNLIC's Life Insurance Products information
  • RNLIC's HR Philosophy
  • RNLIC Office Locations, addresses and contact information

4. Email Facility
However due to the nature of internet environment, email facility is at the discretion of the site, but every effort will be made for continued provision. Overall, RNLIC cannot guarantee the reliability and consistency of the email services as these services are dependent on many hardware and software issues, over which RNLIC has totally no control.

5. Indemnity
The Users agree to indemnify, defend and hold harmless RNLIC and its affiliates from and against any and all suits, losses, claims, demands, liabilities, damages, costs and expenses (including reasonable attorney's fees) arising from or relating to (i) their use of the Site; (ii) their breach of this User Agreement or any representations, warranties or covenants made by them herein; or (iii) their violation of any applicable law, statute, ordinance, regulation or any third party's rights. This obligation survives the termination of this User Agreement.

6. Joint Venture
Nothing in this User Agreement shall constitute or create a joint venture, partnership, or any other similar arrangement between the Users and RNLIC. Neither party is authorized to act as agent or bind the other party except as expressly stated in this User Agreement.

7. Disclaimer of Warranties
The Site and all information available on or via the site is provided "As is" and "As available", "without warranty of any kind, either expressed or implied, including without limitation:

  • any warranties concerning the availability, accuracy, completeness, timeliness or sequencing of the site or the information, products or services available on or via the site; and
  • any warranties of the title or expressed or implied warranties of merchantability, fitness for a particular purpose, of non-infringement of intellectual property and proprietary rights. This disclaimer of liability applies to any damage or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, destruction or unauthorized access to, alteration of, or use of any asset, whether for breach of contract, tortuious behaviour, negligence or under any other cause of action.

8. Limitation of Liability
In no event shall RNLIC or any of its affiliates be liable for any indirect, incidental special, punitive or consequential damages (including, without limitation, damages for loss of data, business or profits) arising out of or in connection with this user agreement, the site, the inability to use the site or any advertising or products, services, or information purchased, obtained or stored in or from the site, or transactions entered into via the site, whether based on contract, tort, strict liability or otherwise, even if RNLIC or any of its affiliates has been advised of the possibility of such damages, and notwithstanding the failure of the essential purpose of any remedy. In no event shall the liability of RNLIC or of any RNLIC affiliate in any circumstance exceed `100. Without limiting the foregoing provisions of this paragraph, these limitations apply to any third party claims against users.

9. No Agency
RNLIC is not acting as an agent for any user of this Site. RNLIC is merely providing a service by way of displaying information whereby a user may make enquiries about the products and services provided by RNLIC.

10. Ownership Rights
Unless otherwise expressly stated, nothing in this agreement shall create or confer any rights or any other benefits whether pursuant to the Contracts (Rights of Third Parties) Act, 1999 or otherwise in favour of any person other than RNLIC and the User. Any rights not expressly granted herein are reserved.

11. Password Security
The users are expected to maintain the confidentiality of their membership-login name and password - and will be responsible for all activities under this account. The Users are entirely responsible to maintain the confidentiality of their password and account. Furthermore, the users are entirely responsible for any and all activities, which occur, under their account. Users agree to immediately notify RNLIC of any unauthorized use of their account or any other breach of security.

12. Links to other Sites
The Site may contain links to third party web sites that are maintained by others. These links are provided solely as a convenience to users and not as an endorsement by RNLIC of the contents on such third-party web sites. RNLIC is not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available on linked third-party web sites. If users decide to access linked third-party web sites, they do so at their own risk. Users further acknowledge and agree that RNLIC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

13. Modifications
RNLIC may modify the terms of this User Agreement or any of the policies or guidelines governing the Site, at any time and in its sole discretion, by posting the modified User Agreement on the Site. The modifications shall be effective upon such posting (unless some other date is specified in the posting, in which case that date shall be deemed the effective date for the modifications. Users agree to view this User Agreement periodically so that they are aware of any modifications. Users use of the Site indicates their full acceptance of the User Agreement in its then-current form each time they use the Site. Users agree that the notice provisions provided in this User Agreement are reasonable. Users may not modify the terms of this User Agreement or any of the policies or guidelines governing the Site without RNLIC express prior written consent.

14. Force majeure
RNLIC will attempt to provide constant, uninterrupted access to the Site. However, in the event RNLIC is unable to provide, or is delayed in providing access to the Users as a result of any event beyond the reasonable control, whether or not foreseeable and including, but not limited to acts of God, war, riot, insurrection, invasion, acts of enemy, embargoes, acts of civil or military authorities, labour strikes or shortages, governmental decree or regulation, court order, severe weather, fire floods, earthquakes, accidents, failure of suppliers, and breakdown in systems, communications or transport facilities, RNLIC will not be liable for any loss or damage of any sort.

15. Laws
These terms of Service shall be governed by and construed in accordance with the laws as applicable in City of Chennai, India.

16. Disputes
RNLIC will not be involved in resolving any disputes between Members of the Website related to or arising out of any transaction. RNLIC urges Members to cooperate with each other to resolve such disputes. In the event of any dispute arising between Users and RNLIC concerning the contents and use of the website the same will be resolved by submitting the dispute to Arbitration by a Sole Arbitrator to be appointed by RNLIC and the decision of such Arbitrator shall be final and binding upon the parties. The Arbitration shall be conducted in accordance with the Indian Arbitration & Conciliation Act, 1996 or its statutory amendments or re-enactments. For all matters arising out of this Agreement only the Courts in the City of Chennai, India, shall have exclusive jurisdiction.

17. Severability
If any provision of the Agreement shall be deemed unlawful, void or for any reason, unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions.

18. Termination
If users are required to register to access the Site, www.reliancenipponlife.com reserves the right to reject their registration or suspend or terminate their access to and use of the Site at any time, in its sole discretion, and for any reason. The User Agreement will continue to apply to users' past use of the Site in the form in which it then existed at the time of the subject use. Termination of users' access to and use of the Site shall not relieve them of any obligations arising or accruing prior to such termination or limit any liability that they otherwise may have to RNLIC.