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LEGAL

The legal documents listed below govern (a) how you can use the Agvesto website and platform, (b) privacy, (c) the terms and conditions that apply to insurance product as a farmer/producer and Agvesto.

  • Terms of Use

  • Privacy Policy

  • Cookie Policy

Terms & Conditions

 

Terms of Service

Welcome to Agvesto website. This website is operated by Agvesto Limited, a company registered in England and Wales under registered company number and our registered office is at 11a Curtain Road, London United Kingdom (“Agvesto”). Throughout the site, the terms “we”, “us” and “our” refer to Agvesto. The term ‘you’ refers to the user or viewer of our website. 

Agvesto offers this website, including all information, tools and services available from this site to you, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

Any new features or tools which are added to the current website shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

By agreeing to these Terms of Service, you agree that you may not use our services for any illegal or unauthorised purpose nor may you, in the use of the service through our website (the “Service”), violate any laws in your jurisdiction. You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms of Service will result in an immediate termination of your Service.

 

Terms of Use

We reserve the right to refuse Service to anyone for any reason at any time. You understand that the content you provide may be (a) transmitted over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

It is your responsibility to keep your login information and password confidential and secure. We shall not be liable to any damage or loss that you or another person suffers due to your inability to keep login and password information secured. We reserve the right to disable your login information and password at any time, if in our opinion, you have failed to comply with any provisions of these Terms of Service, or any other relevant terms published

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us. The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms of Service.

The contents of this website is your information and use only and is subject to change without notice. We also reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, change, suspension or discontinuance of the Service.

 

Intellectual Property Rights

All copyrights, trademarks, design rights, patents and other intellectual property (registered and unregistered) in and on the Service and all content (including all applications) located on this Service shall remain vested in Agvesto or its licensors. You may not modify, copy, reproduce, republish, upload, post, transmit, reverse engineer or distribute, in any manner or format, the material on the Service, including, but not limited to text, graphics, code and software. You may print and download portions of material from the different areas of the Service solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the material.

You may not use, frame or utilise framing techniques to enclose any Agvesto trade mark, logo or other proprietary information or property, including the images found at this Service, the content of any text, the layout or design of any page or form contained on a page without our written permission. Except as noted above, you are not conveyed any right or license by implication, or otherwise in or under any patent, trade mark, copyright, or proprietary right of Agvesto or any third party. 

 

User submissions

If without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “submissions”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any submissions that you forward to us. We are and shall be under no obligation (1) to maintain any submissions in confidence; (2) to pay compensation for any submissions; or (3) to respond to any submissions. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service. You agree that your submissions will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your submissions will not contain libellous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any submissions. You are solely responsible for any submissions you make and their accuracy. We take no responsibility and assume no liability for any submissions posted by you or any third-party.

 

Privacy

When you sign up to this website, we collect the personal information you give us such as your name and email address.

 

Email marketing

We may send you emails about our products, services, new releases and other updates and this will be done only with your permission.

 

Disclosure

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.

 

Third party links

This Service may contain links to web pages operated and maintained by third parties. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s). If you use the links to visit third party web pages, you do so at your own risk. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third party.

 

Prohibited uses

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

 

Disclaimer of warranties. Limitation of liability

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free. We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable. You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you. You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement. In no case shall Agvesto, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the Service, even if advised of their possibility.

 

Indemnification

You agree to indemnify, defend and hold Agvesto and our parents, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third party.

 

Severability

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

 

Termination

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes. These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; or may deny you access to our Services (or any part thereof).

 

Entire agreement

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service). Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

 

Governing law

The website is governed by and construed in accordance with the Indian Laws.Your use of this website and any dispute arising out of such use of the website is subject to the laws of India.

Privacy Policy

 

Here at Agvesto India Private Ltd, your privacy is important to us. When handling and using your personal information we are subject to the Personal Data Protection regulations in India (“PDP”). This notice sets out how we use and process your personal information when you use our Website.

WHAT INFORMATION DO WE COLLECT ABOUT YOU?

We may collect, use and process any of the following items:
● We are data controller for:
○ Information you enter into any form on the Agvesto India’s Website.
○ Details of your use of our Website.
 

SPECIAL CATEGORY DATA

Special category data previously known as Sensitive personal data as defined by GDPR means personal data consisting of information as to — the racial or ethnic origin of data subjects, their political opinions, their religious beliefs or other beliefs of a similar nature, whether they are a member of a trade union (within the meaning of the Trade Union and Labour Relations (Consolidation) Act 1992), their physical or mental health or condition, their sexual life, the commission or alleged commission by them of any offence, or any proceedings for any offence committed or alleged to have been committed by them, the disposal of such proceedings or the sentence of any court in such proceedings.
 

Our Policy

We do not knowingly or intentionally collect special category information from individuals and you must not submit special category information to us.
 

HOW WILL WE USE YOUR INFORMATION?

We use the information you provide to us through a contact form to reply to your query.
We will also use data that does not directly identify you to understand how our website is used, to help us improve our website. We use cookies to track usage of our website.
We may use processors to help provide our services. Where this is done, any data processed will be in compliance with PDP.
Our legal basis for processing the information we are data controllers for is the implicit consent that you provide when submitting your information through a contact form. In some circumstances, we may also process on the basis of our legitimate interest in improving our service. We collect and
 
● Process personal data for a specific, clear, and lawful purpose
● Process personal data in a fair, reasonable, and privacy-protective manner for the purpose specified and reasonably expected given the context
● Collect only the personal data necessary for the purpose
● Provide data principals with notice of the collection and processing of their personal data, including the purpose, the fiduciary’s identity, the retention period, the principals’ rights, and other details
● Ensure that the personal data is complete, accurate, up-to-date, and not misleading
● Retain the personal data for no longer than necessary to complete the purpose and to delete the data upon completion of processing
● Ensure accountability with the PDPB
● Obtain data principals’ consent to process their personal data, ensuring that the consent is freely given, informed, specific to the purpose, clearly provided through an affirmative action, and capable of being withdrawn
 

ACCESS TO YOUR INFORMATION, AND HOW TO CORRECT.

The PDP Bill provides rights which you may be able to rely on. Subject to certain limitations on certain rights, you have the following rights in relation to your information:
 
1. Right to confirmation and access:
You the user otherwise called “The data principal” as defined by PDP bill shall have the right to obtain from the Agvesto otherwise called “ the data fiduciary” as defined by PDP bill
1.1 (a) confirmation whether the data fiduciary is processing or has processed personal data of the data principal; (b) a brief summary of the personal data of the data principal being processed or that has been processed by the data fiduciary; (c) a brief summary of processing activities undertaken by the data fiduciary with respect to the personal data of the data principal, including any information provided in the notice under section 8 in relation to such processing activities.
1.2 The data fiduciary shall provide the information as required under this section to the data principal in a clear and concise manner that is easily comprehensible to a reasonable person.
 
2. Right to correction:
2.1. Where necessary, having regard to the purposes for which personal data is being processed, the data principal shall have the right to obtain from the data fiduciary processing personal data of the data principal (a) the correction of inaccurate or misleading personal data; (b) the completion of incomplete personal data; and (c) the updating of personal data that is out of date.
2.2 Where the data fiduciary receives a request under sub-section (1), and the data fiduciary does not agree with the need for such correction, completion or updating having regard to the purposes of processing, the data fiduciary shall provide the data principal with adequate justification in writing for rejecting the application.
2.3 Where the data principal is not satisfied with the justification provided by the data fiduciary under sub-section 2.2, the data principal may require that the data fiduciary take reasonable steps to indicate,alongside the relevant personal data, that the same is disputed by the data principal.
2.4 Where the data fiduciary corrects, completes, or updates personal data in accordance with sub-section 2.1, the data fiduciary shall also take reasonable steps to notify all relevant entities or individuals to whom such personal data may have been disclosed regarding the relevant correction, completion or updating, particularly where such action would have an impact on the rights and interests of the data principal or on decisions made regarding them.
 
3. Right to data portability:
3.1 The data principal shall have the right to— (a) received the following personal data related to the data principal in a structured, commonly used and machine-readable format— (i) which such data principal has provided to the data fiduciary; (ii) which has been generated in the course of provision of services or use of goods by the data fiduciary;or (iii) which forms part of any profile on the data principal, or which the data fiduciary has otherwise obtained. (b) have the personal data referred to in clause (a) transferred to any other data fiduciary in the format referred to in that clause.
3.2 Sub-section 3.1 shall only apply where the processing has been carried out through automated means, and shall not apply where—
(a) processing is necessary for functions of the State;
(b) processing is in compliance of law or
(c) compliance with the request in sub-section 3.1 would reveal a trade secret of any data fiduciary or would not be technically feasible
 
4. Right to be forgotten:
4.1 The data principal shall have the right to restrict or prevent continuing disclosure of personal data by a data fiduciary related to the data principal where such disclosure— (a) has served the purpose for which it was made or is no longer necessary; (b) was made on the basis of consent under section 12 and such consent has since been withdrawn;or (c) was made contrary to the provisions of this Act or any other law made by Parliament or any State Legislature.
4.2 Sub-section 4.1 shall only apply where the Adjudicating Officer under section 68 determines the applicability of clause (a), (b) or (c) of sub-section 4.1 and that the rights and interests of the data principal in preventing or restricting the continued disclosure of personal data override the right to freedom of speech and expression and the right to information of any citizen.
4.3 In determining whether the condition in sub-section 4.2 is satisfied, the Adjudicating Officer shall have regard to— (a) the sensitivity of the personal data; (b) the scale of disclosure and the degree of accessibility sought to be restricted or prevented; (c) the role of the data principal in public life; (d) the relevance of the personal data to the public; and (e) the nature of the disclosure and of the activities of the data fiduciary, particularly whether the data fiduciary systematically facilitates access to personal data and whether the activities would be significantly impeded if disclosures of the relevant nature were to be restricted or prevented.
4.4 The right under sub-section 4.1 shall be exercised by filing an application in such form and manner as may be prescribed.
4.5 Where any person finds that personal data, the disclosure of which has been restricted or prevented by an order of the Adjudicating Officerunder sub-section 4.2 does not satisfy the conditions referred to in that sub-section any longer, they may apply for the review of that order to the Adjudicating Officer in such manner as may be prescribed, and such Adjudicating Officer shall review her order on the basis of the considerations referred to in sub-section 4.3.
 

For more information please see:
https://www.meity.gov.in/writereaddata/files/Personal_Data_Protection_Bill,2018.pdf
 
If you would like to request to exercise any of your rights or if you have any queries related to accessing your personal information, correction, or your rights under PDP Bill including requiring a copy of the information we hold on you, we will provide free of charge and within one month. Please contact our Data Protection Officer if you wish to exercise any of your rights by:
 
Email: contact@agvesto.in
 
Post:
Data Protection Officer
Agvesto India Private Limited

 
FLAT NO. 2, 2nd Floor, B Wing, Manisha Building, Plot No 88A, Ghatla Village Road, Mumbai MH 400071
 
If you are not satisfied with our response to your query, you can contact your local data protection authority who will be able to advise you on next steps. For India, there is no current designated Data protection authority (DPA). As soon as they become available, you will be able to contact them for any grievances.
 

WHERE YOUR INFORMATION IS STORED?

All your personal information during an insurance application will be stored and processed inside India and processed by staff and organisations within India to provide our services. We do not transfer any of your personal data outside India. By submitting your data to us, you agree to this handling.
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
We will store all the personal information you provide on securely protected servers.
We will store your information for as long as reasonably necessary to provide our services.
 

COOKIES

We use third party applications to monitor and track your interaction with our Website. This helps us to continuously improve our services. Your use of the Website confirms your acceptance to allow us to use such third party analytics applications. These third party applications are referred to as “Cookies”. Please see our Cookie Policy for further details.
 
The third party applications we use are:
 
Google Analytics: How Google uses data when you use the Web Application: https://google.com/policies/privacy/partners/
 
Agvesto: We use a cookie to record your consent to use cookies.
 
If you don't want us to track and monitor your interaction with the Web Application using such Cookies you can switch them off by adjusting your browser settings. Most web browsers allow you to do this via your browser's settings.
 

CHANGES TO OUR PRIVACY POLICY

If you would like to review the most current version of the Privacy Policy you can request these. Use our contact details included above. These are also available on our website at all times.
 
Agvesto is a trading name of Agvesto India Private Ltd.
 
Agvesto India Private Ltd. Is a company registered in the State of Maharashtra. Registered address: Flat No 2, 2nd Floor, B Wing, Manisha Building, Plot No 88A,Ghatla Village Road Mumbai MH 400071

Cookie Policy

 

This website uses cookies to help provide you with the best experience we can. Cookies are small text files that are placed on your computer or mobile phone when you browse websites. If you have any questions about the following privacy and cookie information please contact us on contact@agvesto.in

 

Cookies will be used to

● Improve the speed or security of the site

● Continuously improve our website for better experience

● Make our marketing more efficient (ultimately helping us to offer the service we do at the price we do)

 

We do not use cookies to

● Collect any personally identifiable information (without your permission)

● Collect any sensitive information (without your permission)

● Pass personally identifiable data to third parties

● Granting us permission to use cookies

 

If the settings on your software that you are using to view this website (your browser) are adjusted to accept cookies we will presume that this, and your continued use of our website, implies your permission for us to use cookies. Should you wish to remove or not use cookies from our site you can learn how to do this below, however doing so will likely mean that our site will not work as you would expect.

 

Turning Cookies Off

You can switch most cookies off by adjusting your browser settings to stop it from accepting cookies. Most web browsers allow you to do this via your browser’s settings. Doing so however will likely limit the functionality of our and a large proportion of other websites as cookies are a standard part of most modern websites. If your concerns about cookies relate to “spyware”, rather than switching off cookies in your browser you may find that anti-spyware software achieves the same objective by automatically deleting cookies considered to be invasive.