These Terms of Use (“Terms”) govern your access to and use of the Acko platform, including all services made available through it. By using the Platform, you agree to be bound by these Terms. If you do not agree, please do not access or use the Platform.

1. Acceptance of Terms of Use

By accessing the Platform or using our Services, you agree to comply with and be legally bound by these Terms. If you are using the Platform on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.

2. Eligibility

You must be at least 18 years old and capable of entering into legally binding contracts under applicable law to use the Platform and Services.

3. Your Account and Its Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately of any unauthorized access or use of your account.

4. Restrictions on Use

• You may not use the Platform for unlawful purposes.
• You may not attempt to gain unauthorized access to the Platform or related systems.
• You may not copy, distribute, or create derivative works without prior written consent.

5. Cyber Security

You agree not to engage in any activity that could compromise the security of the Platform, including attempts to probe, scan, or test vulnerabilities, or to overload or disrupt our systems.

6. The Insurance Provider and Your Policy

Insurance products are provided by licensed Insurance Providers. Your purchase and use of such products will be subject to the specific terms and conditions of the respective Insurance Provider.

7. Indemnity

You agree to indemnify and hold harmless Acko, its affiliates, and partners from any claims, damages, or expenses arising from your use of the Platform or violation of these Terms.

8. Disclaimers and Limitation of Liability

The Platform and Services are provided “as is” without warranties of any kind. To the fullest extent permitted by law, Acko disclaims all liability for damages arising out of your use or inability to use the Platform or Services.

9. Links to Other Websites

The Platform may contain links to third-party websites. We are not responsible for the content, policies, or practices of such third parties. Access these websites at your own risk.

10. Reservation of Rights

We reserve the right to modify, suspend, or discontinue any part of the Platform or Services at any time without prior notice.

11. Privacy Policy

Your use of the Platform is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

12. End Permission and Push Notification

By enabling permissions and notifications, you consent to receiving communications related to your account, policies, and offers. You may disable notifications through your device settings.

13. Miscellaneous

These Terms constitute the entire agreement between you and Acko. If any provision is found to be invalid, the remaining provisions will continue in effect.

14. Disputes and Jurisdiction

All disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in India.

15. Contact and Grievances

For questions, complaints, or grievances regarding these Terms, please contact us at support@oxbilpay.com.