Terms And Conditions Of Agreement
About SEJAL Insurance Broking Limited
SEJAL Insurance Broking Limited (SEJAL) is an Insurance Regulatory and Development Authority of
India (IRDAI) registered Composite Insurance Broker bearing IRDAI License No. 382 valid till:
01.09.2026 (Renewable).
SEJAL Insurance Broking Limited is an unlisted Public Limited Company incorporated on 18.11.2004
under the Companies Act 1956 with its registered office / head office / principal office at
5th Flr., 502, Sejal Encasa, S.V. Road, Opp. Bata Showroom, Next to
Seasons Hotel, Kandivali W, Mumbai – 400067, Maharashtra, India.
Terms & Conditions
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SEJAL: Shall mean SEJAL Insurance Broking Limited sometimes referred to as “us” and “we”.
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USER/USERS: Shall mean entities who shall use the websites / portals / mobile applications. Also
often referred to as “you”, “your”, “customer”, “proposer”, “insured” depending up on the
services availed.
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INSURERS: Shall mean insurance companies licensed by IRDAI
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TPA: Shall mean Third Party Administrator licensed by IRDAI.
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Resources: Shall include websites / portals / mobile applications operated by SEJAL
including
sejalbima.com
along with its mobile applications on Android Play Store & iOS App Store.
Before using any of the above mentioned websites, portals and mobile applications, you must agree to
this terms and conditions, including the Terms of Use, Privacy Policy, and other Legal Policies. By
using any functionality of the websites, portals and mobile applications, you accept these terms and
conditions. If you do not agree, you may not use the websites, portals and mobile applications.
SEJAL reserves the right to modify the Terms of Use at any time without prior notice. Your continued
use of the websites / portals / mobile applications after any such modification indicates your
acceptance of the updated Terms of Use. Certain areas of the site may have different terms of use.
If there is a conflict between the terms of use and terms of use posted for a specific area of the
site, the latter shall have precedence with respect to your use of that area of the site.
If you fail to comply with the Terms of Use, Privacy Policy, and other Legal Policies, SEJAL may
terminate your access to the websites / portals / mobile applications or remove non-compliant
information provided by you.
By agreeing to these Terms of Use, you authorize SEJAL to represent you to the INSURER and
communicate the grant of coverage to you.
Terms & Conditions
The Service offered by SEJAL is intended for USERS who are 18 years of age or older and who is of
sound mind and is not disqualified from contracting by any law in India. USERS understands that they
are entering into a legally binding contract with the INSURER by choosing to buy the policy.
Customer Due Diligence
You acknowledge and consent to SEJAL conducting due diligence for financial transactions on the
website, and obtaining mandatory KYC information as required by law. You agree to provide sufficient
information / documents to establish your identity for purpose of transacting with INSURERS.
Description Of Service
SEJAL provides various insurance, claims and risk management services through its website
sejalbima.com along with
its mobile
applications on Android Play Store & iOS App Store.
These services may include providing insurance requirement and related documents, generating premium
quotations for required insurance requirement, comparing coverages across product offerings, buying
policies, downloading policies & related documents, intimating claims, managing claims, managing
account and also includes sending & receiving electronic communication relating to any of these
services over email, SMS, WhatsApp and any other social media channels.
When USERS provide their personal or contact details on any of SEJAL websites / portals / mobile
applications, they acknowledge and agree to their interest in availing and purchasing the chosen
services. Moreover, SEJAL has the right to contact USERS through electronic means or phone to
comprehend their interest in the selected products and services and to fulfil their demand.
USERS also acknowledge that SEJAL has the right to disclose their details to insurance companies, who
may contact them via email / telephone / SMS / WhatsApp etc. for information and sales.
Furthermore, USERS understand and agree to receive transactions related, services related &
promotional materials from SEJAL via email or SMS or WhatsApp etc.
These communication services / channels / tools are provided and maintained by third party.
Communication via these channels / tools are not guaranteed to be secure or confidential. Avoid
sharing personally identifying or sensitive information. These communication services / channels /
tools may be unavailable or delayed at times. SEJAL is not responsible for any losses or damages
arising from delays or lack of availability of these communication services / channels / tools.
SEJAL is not responsible for consequences of delayed or undelivered messages.
We intend to provide you an internet enabled platform where you can view, compare and purchase
insurance products and avail other related services. We make all attempts to provide accurate
information on the premiums charged by various INSURERS and the broad terms and conditions governing
the insurance policy.
SEJAL at its sole discretion reserves the right not to accept any proposal placed by the USER through
the website without assigning any reason thereof.
Any contract to provide any service by SEJAL is not complete until full money towards the policy is
received from the USER and accepted by the INSURER and a policy thereof is issued by the INSURER.
The USER shall be responsible for ensuring compliance with the terms and guidelines or operating
rules and policies of the INSURER from whom the USER buys the insurance policy, including terms and
conditions set forth in the policy document.
Using SEJAL Resources
You agree to use websites / portals / mobile applications solely for their intended purposes and in
accordance with the terms of agreement, as well as all applicable laws, regulations, and commonly
accepted online practices and guidelines. You understand that:
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The USER understands and agrees that the services are provided on an “as is” and “as available”
basis and that SEJAL does not assume any responsibility for deletions, mis-delivery or failure
to store any USER communications or personalized settings.
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To access our websites / portals / mobile applications, you may need to provide accurate and
up-to-date information about yourself, such as your name, address, contact details, and relevant
identification documents.
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By providing your information, you authorize us to access your records from the appropriate
authority for the purpose of facilitating your transaction with us.
- You are responsible for keeping your login information confidential and for all activities that
occur under your account.
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Accessing our resources through any means other than those we provide is strictly prohibited.
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You are solely responsible for any unauthorized activities you engage in and any resulting
consequences, losses, or damages incurred by us.
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SEJAL aims to provide accurate and unbiased information about insurance products and services,
but we cannot be held responsible for any discrepancies in the information presented on our
website or mobile application. All information on the SEJAL website/portals/mobile applications
is subject to change without notice.
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Customers are solely responsible for understanding the limitations and risks associated with
insurance policies, and we do not accept any liability for such cases.
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Customers acknowledge that their association with the SEJAL websites / portals / mobile
applications is solely at their own discretion and risk.
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Customers are solely responsible for the authenticity of information provided & documents
uploaded on our websites / portals / mobile applications, and we act only as a facilitator.
Online Availability Of Resources
No guarantee or warranty is provided regarding the online availability of any of the websites /
portals / mobile applications of SEJAL. They may become unavailable for online access at any time.
Proposal
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You declare that all information provided by you and proposed insured persons is true and
complete to the best of your knowledge.
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USER hereby declares and undertakes that if there is any change in information as provided in
this proposal, then the same would be conveyed to the respective INSURER immediately failing
which it is agreed and understood by the USER that the benefits under the policy would stand
forfeited at the discretion of the INSURER.
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You allow the insurer’s authorized representatives to seek medical information from hospitals or
medical practitioners attended by you or any proposed insured person concerning any disease,
illness, or injury required for policy issuance.
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USER hereby undertakes that if any of the statements are found to be false or incorrect, the
benefits under the policy / policies would stand forfeited at the discretion of the INSURER.
Payment Of Premium
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We tie up with various INSURERS for facilitating the customers to view and purchase the product
online. On clicking the purchase button, you shall be directed to the payment gateway of the
concerned INSURER wherein you will be requested to enter certain details for making the payment.
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We do not collect any details from you pertaining to your credit card / debit card / net banking
/ wallet or any other modes of payment made by you. You are requested not to divulge your bank
account nos., passwords, credit card no, debit card no, etc. to SEJAL or to any of its
employees.
- All payment relation information is directly exchanged between you and the payment gateway
facilitator. Payment towards insurance premiums should be made only through your bank account or
a joint account in your name.
- Commencement of risk cover under the policy is subject to acceptance of the proposal by the
INSURER and receipt and realisation of premium by respective INSURER.
- In the event of reversal of online payment, non-realisation of the cheque or non-receipt of the
amount of premium by the INSURER, the policy shall be deemed cancelled ab-initio and SEJAL &
INSURER shall not be responsible for any liabilities of whatsoever nature under this policy.
- All refunds will be processed by the INSURER to the bank account used to remit payment of
insurance premium.
- USER hereby confirm that all premiums have been/will be paid from bonafide sources
and no
premium have been/will be paid out of proceeds of crime related to any of the offence listed in
Prevention of Money Laundering Act, 2002.
Insurance Policy
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We strive to provide you a soft copy of the insurance policy as issued by the INSURER
immediately on making the payment and in case it is not possible to issue the policy immediately
after making the payment, we shall provide the policy copy within 15 working days from the date
of making the payment.
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In case the policy cannot be issued due to insufficiency of data provided or for any other
reason whatsoever, our executive will contact you for the required details / documents as
required by the insurance company.
- The contents of the policy document form the basis of the policy issued to you, so it’s
important to ensure you’ve disclosed all material facts and information. If any material facts
are not disclosed or withheld, the policy becomes void ab initio, and no claims will be
considered, and the premium will be forfeited by the INSURER.
- USER is advised to read the detailed policy terms and conditions on receipt of the policy.
- If you disagree or want to make changes in the policy, please inform the INSURER within 15 days
of receiving this document normally referred to as Freelook period. If you don’t respond within
15 days, INSURER will assume you agree with the information provided in the policy..
- Any insurance claim under the policy made by the USER shall be admissible entirely
based upon
the policy terms and conditions and acceptance by the INSURER of the same.
Limitation Of Liability
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SEJAL is an insurance broker licensed by IRDA and acts as an intermediary between customers and
insurers. SEJAL provides information displayed on the website for the customers to make informed
decisions, however, it is not to be considered as advice.
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SEJAL is not an insurer and therefore cannot control or prevent changes made by the insurers.
SEJAL does not take any responsibility for the services provided by the insurer, nor is liable
for any aspect of the arrangement between the insurer and the customer.
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SEJAL is not liable for any loss or damages suffered by any user due to human or data entry
errors or any information contained herein. The information provided by SEJAL is on an “AS IS”
basis, and no warranties, expressed or implied, are made regarding the accuracy, adequacy,
reliability, completeness, suitability, or applicability of the information to a particular
situation. The users are advised to verify the accuracy of all information before undertaking
any reliance on such information.
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SEJAL shall not be held responsible for non-availability of the website during periodic
maintenance operations or any unplanned suspension of access to the services that may occur due
to technical reasons or for any reason beyond SEJAL’s control.
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Above limitation of liability also applies to directors, shareholders, subsidiaries,
affiliates, successors, officers and employees of SEJAL.
External Links
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SEJAL may provide links to other websites or resources. However, SEJAL has no control over the
content, availability, or privacy practices of these sites and resources. As such, SEJAL cannot
endorse or be held responsible for any content, advertising, products, or other materials on or
available from such sites or resources.
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It is important to note that SEJAL shall not be responsible or liable for any damage or loss
caused by or in connection with use of or reliance on any such content, goods, or services
available on or through any such website or resource. It is the responsibility of the user to
evaluate the accuracy, completeness, and usefulness of any information, opinions, advice, or
other content available on or through these sites or resources.
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In using SEJAL’s websites / portals / mobile applications, the user acknowledges and agrees that
SEJAL is not responsible for the availability of such external sites or resources, and that
SEJAL 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 website or resource.
Data Protection And Privacy Policy
Please read the Privacy Policy .
Copyright And Trademarks
Unless otherwise stated, copyright and all intellectual property rights in all material presented on
the site including but not limited to text, audio, video or graphical images, trademarks and logos
appearing on the site are the property of SEJAL or respective INSURERS and are protected under
applicable laws. Any infringement shall be vigorously prosecuted and pursued to the fullest extent
permitted by law.
Jurisdiction
In case any of the conditions are invalid, void or unenforceable, the court should try to give
effect to the parties’ intentions as reflected in the provision, and the unenforceable condition
will be treated as separate from the rest of the conditions.
This agreement and the relationship between USER and SEJAL will be governed by Indian laws, and any
legal proceedings will be subject to the jurisdiction of courts in Mumbai.
SEJAL’s failure to take action against a breach does not waive its right to act against subsequent or
similar breaches, and there are no third-party beneficiaries to this agreement.
This agreement supersedes any prior agreements between you and SEJAL regarding the use of SEJAL
resources.