These terms and conditions (“T&Cs”) apply to access and use of the software including but not limited to Mobile application, web Application, etc. The website/Software/Application is owned by Vitrak Fintech Private Limited (Company). By accessing and using Website/app in anyway, including, without limitation, browsing the Website, using any information, using any content, any services, etc., available therein, you agree to and are bound by these Terms of Use. If you do not accept these Terms of Use in full, please cease using this Website/app immediately. You warrant that you are not suffering from any of disqualifications and or legally barred to use the program by any law/authority/agency/governmental body. Company reserves the right to update the TOU at any time without notice to you. The Company does not permit Users to access and view the contents of the Application without registration on the Application. Users may access the Application by registering to create an account and become a member. The membership is strictly not transferable. The Users agree to provide accurate, current and complete information during the registration process and to update such information to keep it accurate, current and complete. The Users are required to enter a valid phone number while registering on the Company’s Platforms as well as for their clients for consultation or reselling of any product. By registering their or their client's phone numbers with the Company, the Users consent to be contacted by the Company via phone calls, whatsapp, SMS notifications or instant messages, in case of verifications and in case of subscription/service/promotional updates. The Users may opt of subscription/service/promotional updates. Upon registration, the Users may be required to complete a verification process as part of setting up their accounts. Once set up, the Users are responsible for maintaining the confidentiality of their account information, and are fully responsible for all activities that occur through their accounts. Should there be instances of any unauthorized use of their accounts or any other breach of security, the Users are required to notify the Company to stop processing requests from their accounts, until further instructions. It is the responsibility of the Users to provide a correct mobile number for self and the clients so that the Company can communicate with via various communication channels. The Users understand and agree that if the Company sends a communication but the Users do not receive it because the Users’ or their Clients' mobile number is incorrect or out of date or blocked; service provider, or the Users, or the Clients, are otherwise unable to receive SMS, the Company shall be deemed to have provided the communication effectively. The Company reserves the right to suspend or terminate the account or access to the Application including blocking any amounts due to the User and associated account - (i) if any information provided during the registration process or thereafter proves to be inaccurate, not current or incomplete; and/or (ii) if, in the Company’s assessment, the User has (a) charged an unreasonably high price; (b) unreasonable instances of returns and/or cancellations initiated; (c) engaged in actions that are fraudulent, negligent or derogatory to the Company’s interests. (ii) if the Users are found to be non-compliant with the Terms, Policies and/or the Privacy Policy as the case may be. On registration, the Users will receive a password-protected account and an identification. The Users agree to: (i) maintain the confidentiality of their password; (ii) take full responsibility for all activities by Users accessing the Application through their account; (iii) immediately notify the Company of any unauthorised use of their account or any other breach of security that they become aware of; and (iv) ensure that they exit from their account at the end of each session. The Users are solely responsible for all activities that occur under their account and that all purchases made by them are intended for sale or consumption in the course of their business activities. It shall be the responsibility of the User to treat the user identification code, password and any other piece of information that is provided by the Company, as part of the security procedures, as confidential and not disclose the same to any person or entity other than the Company. The Company shall at times and at their sole discretion reserve the right to disable any user identification code or password if the Users have failed to comply with any of the provisions of these Terms, Policies and/or the Privacy Policy as the case may be. Notwithstanding anything to the contrary herein, the Users acknowledge and agree that they shall have no ownership or other property interest in their account, and further acknowledge and agree that all rights in and to their account are and shall forever be owned by and inure to the benefit of the Company. However, any and every activity undertaken by a User under his/her account shall be the sole responsibility of such User and the Company shall not be liable for such activity in any manner.

Using GROMO

By visiting our website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as ‘Resources’), you agree to use these Resources only for the purposes intended as permitted by the terms of this ToU Agreement, and/or applicable laws, regulations and generally accepted online practices or guidelines.

Wherein, you understand that:

In order to access our Resources, you may be required to provide certain information about yourself but not limited to other details such as name, address, contact details, etc.. You agree that any information you provide will always be accurate, correct, and updated. You are responsible for maintaining the confidentiality of any information associated with any use or access to our Resources. Accordingly, you are responsible for all activities that occur under your account/s. Accessing (or attempting to access) any of our Resources by any means other than through the means we provide is strictly prohibited. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means. Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited. Attempting to copy or copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited. Without limitation to the liability, you are solely responsible for any consequences, losses, penalty or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liabilities.

Cancellation Policy

Please be advised that we do not allow cancellations after purchase of any product or provide a refund. Please read all policies and enquire thoroughly about the product/service/subscription before doing a payment.

However, in certain cases, we will take request for cancellation and refund the money after deducing processing fees and administration charges. Please send an email to contact@gromo.in with your request. GROMO holds complete discretion on accepting such cancellation requests.

User conduct

You may only access and use GROMO for lawful purposes only. The user of GROMO is responsible for adhering to any and all laws, rules, and regulations that are applicable regardless of any previous knowledge or lack of knowledge about such laws, rules or regulations. GROMO is not responsible for the content of any information that is uploaded, posted or transmitted by you or other third parties to GROMO. Since GROMO does not control the content of what is uploaded, posted, or transmitted, it cannot guarantee the accuracy, integrity of quality, or legality of such content. Anyone who registers or uses GROMO or any resources located therein does so at his or her own risk, and GROMO shall not be liable in any way for the content, or for any loss or damage that may be incurred as a result of using any content or information transmitted via GROMO. GROMO’s rights and protections as stated in these Terms of Use are equally applicable to any internet service provider that it has selected to host GROMO or any related resources.

You agree that you will not use this website to :

Commit or cause to be committed any criminal offense or encourage conduct that would constitute a criminal offense or give rise to a civil liability, or otherwise violate any local, state, federal or international law or regulation. Upload, post, e-mail or otherwise transmit any content that is unlawful, defamatory, harassing, abusive, invasive of another’s privacy, infringes upon the rights of third parties, harmful, wrongful, or obscene.

Harm any minors in any way.

Upload, post, e-mail or otherwise transmit any material, information or content that you do not have a right to transmit under law or contractual relationship.

Upload, post, email or otherwise transmit any material, information or content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any other individual, party or entity.

Disguise the origin of the material, information or content by omitting or obscuring copyright or authorship, or by forging headers or otherwise manipulating identifiers.

Upload, post, e-mail or otherwise transmit any unsolicited advertising, promotional materials, or other forms of solicitation, such as “junk mail”, “spam”, “chain letters”, or “pyramid schemes”

After, damage, or delete any material, information or content or communication that is not yours or to interfere with the ability of others to have access or use of this website.

Upload, post, e-mail or otherwise transmit any material, information or content that contains a software virus or any other computer code, file or program that would interfere with the functionality of any computer software, hardware or telecommunication equipment.

Disrupt the normal communication or otherwise act in such a way that would negatively impact other users’ ability to engage in real-time exchanges.

Impersonate or claim a relationship with or speak for any individual, business, association, institution, or other organization, including, but not limited to GROMO for which you have no authorization to do so or to claim such a relationship.

Interfere with or disrupt the services or servers or networks connected to the services, or disobey any requirements, procedures, policies, or regulations of networks connected to the services and/or this website.

Collect or store personal data about other users. Stalk or otherwise harass any individual or Cause to be reproduced, duplicated, copied, used, distributed, sold, resold, or otherwise exploit in any manner for commercial use or purposes, any aspect of Flourish or any resources found therein or any of the associated software, services or products related thereto.

User generated content

We may provide various open communication tools on our website, such as blog comments, posts, public chat, forums, message boards, newsgroups, reviews, various social media services, etc. You understand that we do not pre-screen content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website (“user generated content”), then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content thatupload, post, share, or otherwise distribute any content that.

Privacy policy

As a internet users, privacy is important. Therefore, you are referred to GROMO’s privacy policy. Your continued use of GROMO is an affirmation that you have read the privacy policy, understand it, assent and consent to its terms and conditions, including subsequent changes and amendments. Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language. Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party. Contains any type of unauthorized or unsolicited advertising. Impersonates any person or entity, including any GROMO employees or representatives. We do not assume any liability for any user generated content posted by you or any other 3rd party users of our website. We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this ToU Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks. Any material, information or content that is uploaded by you or is otherwise made available by you to GROMO is and remains your sole property or that of your licensors. You automatically grant and/or warrant upon your uploading or making available of such material, information or content that the owner of such material, information or content has granted GROMO a perpetual, royalty free, non-exclusive right and license to use, reproduce, modify, publish, distribute, display, perform and transmit the information or content through GROMO. You further warrant that all such materials do not infringe upon any copyright, violate any property rights or contain scandalous, libellous, or unlawful matter. This only refers and applies to user-generated content as described. All user’s Personal Information, provided as part of our registration or purchase process, is covered by our Privacy Policy.

IPR and copyright

All content and materials available on GROMO, including but not limited to text, graphics, website name, code, images and logos are either the intellectual property of GROMO or under licensed use by Vitrak, and are protected. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized.

Contributions to GROMO !

By submitting ideas, suggestions, documents, and/or proposals (“Contributions”) to GROMO through its suggestion or feedback webpages, you acknowledge and agree that.

(a) your Contributions do not contain confidential or proprietary information.

(b) GROMO is not under any obligation of confidentiality, express or implied, with respect to the Contributions.

(c) GROMO shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way, in any media worldwide.

(d) GROMO may have something similar to the Contributions already under consideration or in development.

(e) your Contributions automatically become the property of GROMO without any obligation of GROMO to you.

(f) you are not entitled to any compensation or reimbursement of any kind from GROMO under any circumstances.

Indemnity

You agree to indemnify and hold GROMO, its parent company, officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, suppliers and employees, harmless from any claim or demand, including penalty, reasonable attorney fees and court costs, made by any third party due to or arising out of content submitted by the user, users use of the service, violation of the ToU and privacy policy, breach by the user of any of the terms and conditions, representations and warranties herein, or user’s violation of any rights of another.

No resale of service

You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.
Under no condition, you should collect any money or benefit from the customer on the pretext of providing services through the Resources or using the name of "GroMo" or its affiliates, partners, advisers, directors or employees. In case of breach of trust, you will be liable to return such money to the customer immediately and indemnify GroMo. The Company shall have the right to terminate your services with immediate effect.

Dealings with third parties

The Service may also include access to products and services of independent third parties either directly or via links to sites operated by such third parties. Where these products and services of third parties form part of the Service, we will endeavour, but are not obliged to, indicate that these products and services are provided by third parties. In all cases, your correspondence or business dealings with, or participation in promotions of, other parties found on or through the Service (including without limitation providers of products and services, advertisers and other users of the Service), including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party, even where it is in relation to any products or services that are co-branded with us which may include our trademarks. You agree that we shall not be responsible or liable in any way for any loss or damage of any sort incurred as the result of any such dealings with any third parties, as the result of the presence of such third parties on the Service, or as the result of the use of the Service in any way by such third parties.

Links

The Service may provide, or third parties may provide, links to other World Wide Web or other online electronic sites or resources. You acknowledge that GROMO has no control over such sites and resources, you acknowledge and agree that GROMO is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that GROMO shall not be responsible or liable, in any manner whatsoever, 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 site or resource.

Limitation of warranties

By using our website, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that: The use of our Resources will meet your needs or requirements, The use of our Resources will be uninterrupted, timely, secure or free from errors or virus, The information obtained by using our Resources will be accurate or reliable, and Any downloads from GROMO will not harm your computer or device in any way. We have screened or verified any of the information posted herein, unless otherwise specifically so stated on the Website; and To the maximum extent permitted by law, GROMO has no liability in relation to or arising out of the Website Information and recommendations. You are responsible for the final choice of your product. Please seek further advice from GROMO or the relevant participating companies before choosing any product or service which you wish to avail for , if you have any doubts or queries about the same. Furthermore, GROMO does not guarantee when or if you will actually acquire the product that you have chosen and does not accept any liability arising out of delay in you acquiring the product you have chosen. You acknowledge and accept that the final issuance of the policy is subject to the underwriting norms and sole discretion of the insurance company whose policy you have chosen to buy.

Limitation of liability

You expressly understand and agree that in no event GROMO or its contractors, agents, licensors, partners, employees, representatives, suppliers be liable to you for any special, direct, indirect, incidental, consequential, punitive, or exemplary damages (including without limitation loss of business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to this agreement, or which may be incurred by you as a result of using our website or its resources or the content, the services, or any reference site, or your use or inability to use the services. In any event, GROMO or any of its contractors, directors, employees, agents, third party partners, licensors or suppliers’ shall not be liable for any or all damages, liabilities, losses, costs or consequences thereof arising out of or in relation to usage/Agreement, or the Products or Services, however caused and whether arising in contract, tort including negligence, warranty or otherwise. That any claim against us shall be limited to the amount you paid to GROMO, if any.

Governing law

This ToU Agreement and the Privacy Policy shall be governed and construed in accordance with the laws of the Republic of India and the courts at Delhi shall have exclusive jurisdiction on all matters and disputes arising out of and relating to the Site.

Referral Policy

1. You can make unlimited referrals and earn from it. Only users who are new to GroMo, who have not registered on GroMo in prior would count for the Referral program.

2. You are eligible for Referral income till the point your account is Active, i.e. if you have GroMo’s Android App installed and you do at least 1 transaction (successful closure) in that particular month. Uninstall or Inactive accounts will lead to discontinuation or termination of all Referral benefits.

3. You can earn a maximum of upto 5% of the earning of your referral which will be determined by GroMo.

a). Starting December 1, 2020, Motor insurance referral payout is 2%, while rest remains the same as 5%.

b). Example, if your referral earned 10,000 GroMo points for selling a Health Insurance, then you will get 500 GroMo Points. If your referral earns 10,000 GroMo points for selling Motor Insurance, then you will get 200 GroMo Points.

4. GroMo’s referral program is a limited period offer and any or all payments related to the program shall be solely determined by GroMo and thereafter GroMo may or may not pay the referral fee as it deems fit

5. Referral earning is limited to 12 months of the earning of your Referral. Post 12 months, you will not be eligible for any referral earning from the Referral

6. GroMo reserves the right, at its sole discretion to change the amount of referral award and modify any terms and conditions, features, or discontinue the program without any prior written notice

7. Partners who are already a part of any other scheme or incentive program will not be eligible for the Referral program defined herewith. However, such a GroMo Partner would be eligible for 50% of Referral Points. As mentioned earlier referral payouts would be counted on your referral’s overall earning. Contact your relationship manager for more details.

8. Any direct or indirect employee, or ex-employee will not be eligible for Referral program.

9. Applicable taxes will be deducted from the final earning you accrue through the referral program.