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20260908_rev01 → 20261031_rev01COLOUR MARKS THE SEVERITY OF A FLAGGED CLAUSE · + AND − MARK ADDED AND REMOVED

 Buyer's arrangement with Issuing Bank:
 . All valid Credit / Debit/ Cash Card/ and other payment instruments are processed using a Credit Card payment gateway or appropriate payment system infrastructure and the same will also be governed by the terms and conditions agreed between the Buyer and the respective Issuing Bank and payment instrument issuing company.
 . All Online Bank Transfers from Valid Bank Accounts are processed using the gateway provided by the respective Issuing Bank which support Payment Facility to provide these services to the Users. All such Online Bank Transfers on Payment Facility are also governed by the terms and conditions agreed to between Buyer and the respective Issuing Bank.
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+Specific Terms for Insurance Services Offered on the Platform
+SECTION A: CORPORATE AGENCY & ISNP DISCLOSURES
+. Entity Status: Flipkart Internet Private Limited ("Flipkart", "We", "Us") is registered with the Insurance Regulatory and Development Authority of India ("IRDAI") as a Corporate Agent (Composite) holding Certificate of Registration No.CA0599. Flipkart operates an Insurance Self-Network Platform ("ISNP") across its websites and mobile applications.
+. Non-Underwriting Role: Flipkart acts purely as a licensed corporate agent intermediary facilitating the solicitation and sale of insurance policies issued by IRDAI-registered Insurers. Flipkart is NOT an insurance company, does not underwrite risks, nor does it guarantee claim approval or settlement. All risk assessment, coverage decisions, policy issuance, and claim servicing rest solely with the underwriting Insurer.
+SECTION B: OPTIONAL PURCHASES
+. Purely Optional Products: Attachment of insurance covers including but not limited to Mobile Protection, Extended Warranty, Appliance Damage Cover, or Motor Insurance on 2-Wheeler checkout to primary retail products is entirely voluntary and is not mandatory for purchase of any products or services on our Platform.
+. In compliance with Section 41 of the Insurance Act, 1938 and ISNP Guidelines Chapter III, Clause 13(h), we do not offer, and you are barred from accepting, any discount, rebate, or incentive to purchase insurance. Premiums must be paid in full by you, inclusive of statutory taxes.
+SECTION C: TELECOM (TRAI TCCCPR) & DIGITAL COMMUNICATIONS
+. Explicit Communication Consent: By initiating an insurance quote, purchasing a policy, or providing your mobile number on our platform, you provide express consent under TRAI TCCCPR regulations to receive transactional, servicing, and regulatory communications (via SMS, automated voice calls, or through any other medium).
+. Override of NDNC Status: This consent explicitly overrides any registration of your mobile number on the National Do Not Call (NDNC) registry for communications related to policy quotes, payment receipts, policy documents, renewal alerts, and claim servicing notifications.
+SECTION D: IT INTERMEDIARY RULES & CYBER SECURITY
+. Log Retention & Security: In compliance with the Information Technology Rules and IRDAI Cyber Security Framework, Flipkart retains electronic records, system audit logs, and transaction details within secure servers located in India for a minimum period of 180 days.
+. Platform Integrity: Any user attempting to breach security, submit fraudulent documentation, or alter digital proposal forms will face account suspension, policy cancellation, and reporting to relevant legal authorities.
+SECTION E: CANCELLATION & FREE-LOOK RIGHTS
+. Free-Look Period: Depending on the type of policy purchased on our ISNP, Individual policyholders have a Free-Look period of thirty (30) days from the date of receipt of the digital policy document (electronically or physically) to review the terms and conditions.
+. Cancellation Request: Customers may initiate cancellation during the Free-Look window via the Platform's customer service options or directly with the insurer. Refunds will be processed by the Insurer after deducting pro-rata risk premium and statutory charges (stamp duty/medical tests, etc), if any. All cancellation requests are subject to the insurer's terms and conditions.
+SECTION F: DISCLOSURE OF INFORMATION
+. You shall review and ensure the accuracy and correctness of the information provided by you, or fetched by us from other sources, in the insurance proposal form.
+. You must disclose all information material to the insurance cover purchased through our Platform throughout the duration of the policy, including at the time of renewal of the policy. Any non-disclosure may lead to the cancellation of insurance coverage or the rejection of claims.
+. You shall provide any additional information the insurer may require for policy servicing, renewal, or insurance claims.
+. We shall not be liable for any loss incurred by you due to the inaccuracy of your information or such non-disclosure.
+SECTION G: INSURER'S TERMS AND CONDITIONS
+. Terms and conditions of the respective insurer will apply to the insurance policy you purchase through our platform.
+. By purchasing the insurance policy, you acknowledge that you have read and understood the terms and condition, inclusions & exclusions, coverage details of the insurer carefully and that you accept the same.
+. Any violation of such terms and conditions may result in cancellation of your insurance coverage, or rejection of an insurance claim.
+. The insurance premiums displayed on our platform are indicative, and the insurer may change the final premium based on the information provided by you and its underwriting policy. Any such additional premium that the insurer may charge shall be borne by you. Non-payment of such additional premium may result in rejection of the insurance proposal.
+SECTION H: REQUEST FOR INFORMATION
+. We act as an Corporate Agent to distribute insurance products, and earn commission for the products we sell. You may reach out to us at InsuranceGrievance.Officer@flipkart.com in case you want to know the amount of commission that we have earned for a particular policy purchased by you through our platform.
+. If you require help while filling up the proposal form, or if you require the proposal form, policy document, customer information sheet, or any other document or information related to the insurance product you intend to purchase in any other language apart from English, please reach out to our customer support team at 08045163264. We will try to provide you with such information/ document in your preferred language, subject to availability.
+SECTION I: ISNP PROCESSES AND PROCEDURES
+We strive to provide you with the best service at the earliest possible time, however, in accordance with the regulatory requirements we follow the turnaround times (TAT) for various processes or services:
+. Decisions on the proposal :
+    Final determination shall be communicated within seven (7) business days following the successful submission of the proposal form, completion of KYC verification, and submission of any additional documents as required by the insurer.
+. Refund, Cancellation, Surrender, etc :
+    Refund of premiums following a successful cancellation prior to issuance of the policy will typically be processed within seven business days. Post issuance of the policy, policy surrender, cancellations, or modifications related refunds will be processed by the Insurer.
+. Resolution of Grievance: We shall promptly acknowledge receipt of any complaints or grievances submitted by you. We shall endeavour to resolve such complaints within 14 days from the date of receipt.
+. Payment Acknowledgment & Invoice: Consistent with standard Platform transactions, confirmation of premium remittance is generated instantaneously upon successful completion of the payment process. The actual invoice of the payment made, along with GST details, will be provided by the respective insurer.
+. Vehicle Inspection: The self-inspection of the vehicle is a digital DIY (do it yourself) procedure facilitated by our service partners. The underwriting insurer will typically communicate its final decision within one (1) business day following the submission of the inspection report.
+. KYC Verification: The validation and acceptance of submitted Know Your Customer documents shall typically be completed within one (1) business day post-submission.KYC Verification Timeline: Verification and fulfillment of the Know Your Customer requirements must be finalized by the policyholder within seventy-two (72) hours.
+. Claims: Upon submission of a claim through our platform, we shall promptly notify the concerned insurer and provide you with reasonable assistance in relation to the claim process. The claim decision solely rests with the concerned insurer. Subject to the receipt of all the information, documents and surveyor's report (wherever applicable), the insurer typically settles the claim in approximately 7 days.
+Document required to raise a claim:
+For the processing of a motor insurance claim, insurers typically mandate the submission of the following documentation:
+. Registration Certificate (RC) of the vehicle.
+. Driving Licence (DL): Mandatory for occurrences where the vehicle was operational or in motion.
+. Permanent Account Number (PAN): Required as per the specific underwriting insurer's internal mandates.
+. Comprehensive Vehicle Photographs capturing the extent of damages.
+. Copy of the valid Insurance Policy document.
+. Police Reports (FIR/Panchanama): Compulsory for incidents involving criminal theft, third-party liability/injury, or major accidental complexities.
+. Repair Estimates/Quotations: Sourced from the preferred workshop (generally a network garage for cashless facilitation).
+Important Note: While the aforementioned particulars are essential, the actual transmission of documentation or the digital claim form is typically managed through direct communication channels or dedicated Self-Survey Links provided by the insurer, and not within the current claim initiation interface of the Flipkart Platform.
+SECTION J: Partner Insurers:
+As a corporate agent, we have arrangements with multiple insurance companies to offer you a diverse range of insurance products, enabling you to select a product based on your requirement. We currently have arrangements with the following insurers:
+. United India Insurance Company Limited | [https://uiic.co.in/](https://uiic.co.in/)
+. ICICI Lombard General Insurance Company Limited | [https://www.icicilombard.com/](https://www.icicilombard.com/)
+. Go Digit General Insurance Limited | [https://www.godigit.com/](https://www.godigit.com/)
+You may visit the insurer's website for details like the insurer's complete product catalog, contact information, nearest branch details, or other relevant information.
+SECTION K:
+. Indemnification & Product Terms
+The terms and conditions of the respective underwriting Insurer govern the insurance policy purchased by you. The Insurer shall indemnify, defend, and hold harmless Flipkart, its directors, officers, and employees against any third-party claims, consumer disputes, regulatory proceedings, or losses arising from misrepresentations in insurance products, wrongful rejection of claims, or deficiencies in policy underwriting and claim servicing attributable to the Insurer.
+. Limitation of Liability
+To the maximum extent permitted by applicable Indian law, Flipkart's total aggregate liability for any direct claims, losses, or damages arising out of or in connection with the insurance services offered on the Platform shall be strictly capped at the total commission fee earned by Flipkart for the specific transaction. Under no circumstances shall Flipkart be liable for any indirect, incidental, punitive, or consequential damages. You bear the sole legal obligation of utmost good faith to ensure the complete accuracy and disclosure of all material facts in the proposal form. Flipkart bears no liability for policy cancellations, coverage disputes, or claim rejections resulting from inaccurate, misleading, or omitted information you provide.
+. Disclaimer
+Flipkart makes no representations, warranties, or guarantees, express or implied, regarding the accuracy, completeness, legality, availability, quality, or suitability of the insurance products, terms, underwriting decisions, or claim settlements provided by the Insurers. You explicitly acknowledge and agree that Flipkart does not underwrite any risk, issue policies, or approve claims, and shall not be held liable or responsible for any acts, omissions, errors, defaults, delays, or deficiency of services attributable to any third-party Insurer or service partner. Access to and use of the Platform's insurance services are at your sole risk
+. Dispute Resolution & Governing law
+These Terms of Use shall be governed by, interpreted, and construed in accordance with the laws of the Republic of India, without reference to its conflict-of-law principles.
+Any dispute, controversy, or claim arising out of, relating to, or in connection with these Terms, including the breach, termination, or invalidity thereof, or any dispute regarding the insurance products or services offered through the Platform, shall be referred to and finally resolved by binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended). The arbitral tribunal shall consist of a sole arbitrator appointed mutually by Flipkart and you. The seat and venue of arbitration shall be Bengaluru, Karnataka, India, and the arbitration proceedings shall be conducted strictly in the English language.
+Subject to the arbitration agreement herein, the courts of competent jurisdiction at Bengaluru, Karnataka shall have exclusive jurisdiction over any legal action, suit, or proceeding arising out of or in connection with these Terms.
 Customer Conduct
 Terms:
 A) Flipkart fosters diversity, inclusion, equity and protect the individuals who are engaged with us as delivery partners from any discrimination on grounds such as race, social origin, caste, ethnicity, nationality, gender, gender identity and expression, sexual orientation, disability, religion or belief, age or any other grounds.
 In case the Seller doesn't close the ticket in 3 days from the date of intimation to the Seller about the refund request, the refund request shall be settled in favor of the Buyer.
 Further for returns being made by Buyer to the Seller of the product, the following parameters needs to be ensured by the Buyer:
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+**Category Condition**
+Category Condition
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 Electronics