Disclaimer

The information and data provided on this website are of a general nature and strictly for informational purposes only. While every effort has been made to maintain high standards of quality, clarity, and accuracy of the material posted on this website, Novo Insurance Broking Service Pvt Ltd ("Novo Insurance") makes no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the information, products, or services contained herein.

The information on this website is subject to change without notice, and it is the responsibility of the user to verify the information before relying upon it. Although we update the content from time to time, Novo Insurance does not undertake any obligation or guarantee to do so regularly. All information is provided "as is", and Novo Insurance Broking Service Pvt Ltd does not provide any warranties (express, implied, or otherwise) regarding accuracy, completeness, or performance.

This information is:

• Of a general nature only and not intended to address the specific circumstances of any particular individual or entity;
• Not necessarily comprehensive, complete, accurate, or up to date;
• Not professional or legal advice (if you require specific advice, please consult a suitably qualified professional).

Insurance Policy Terms

Every insurance policy has its own terms, conditions, limits, and exclusions. It is the sole responsibility of each individual or organization to read, understand, and be aware of the wordings, coverages, and exclusions of their insurance policy before purchasing or acting upon it.

Limitation of Liability

Directors, officers, employees, representatives, or any other person associated with Novo Insurance Broking Service Pvt Ltd, or this website, shall not be liable or responsible for any loss, damage, liability, or expense of any kind (whether direct, indirect, special, incidental, consequential, or otherwise) that may arise in connection with:

• The use of this website or its content;
• Inability to use the website;
• Errors, omissions, or inaccuracies in information; or
• Any decision or action taken based on the material provided herein.

Legal Status

Novo Insurance Broking Service Pvt Ltd is a registered Insurance Broker under the Insurance Regulatory and Development Authority of India (IRDAI), and operates strictly within the regulatory framework prescribed by the IRDAI.

Novo does not act as an insurer and does not assume any insurance risk.

User Conduct

By accessing or using this website/application/computer resource, the user agrees not to host, display, upload, modify, publish, transmit, store, update, or share any information or content that:

1. Belongs to another person and to which the user does not have any right;
2. Is defamatory, obscene, pornographic, paedophilic, invasive of another's privacy (including bodily privacy), insulting or harassing based on gender, libellous, racially or ethnically objectionable, encouraging money laundering or gambling, or otherwise unlawful under applicable law;
3. Is harmful to children;
4. Infringes any patent, trademark, copyright, or proprietary rights;
5. Violates any law for the time being in force;
6. Deceives or misleads the recipient about the origin of a message or knowingly and intentionally communicates false or misleading information which may reasonably be perceived as factual;
7. Impersonates another person;
8. Threatens the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or insults another nation;
9. Contains software viruses or any other malicious code, file, or program designed to interrupt, destroy, or limit the functionality of any computer resource; or
10. Is patently false or untrue, and is written or published with intent to mislead or harass any person, entity, or agency for financial gain or to cause harm.