410bew37037364 - Ac0346194 CPP BFL
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CPP Asset Care - Membership details cum Sales Proforma*
Name of Customer MR Amit Kumar Das
Address of Customer 64/A Netaji Subhas Road
Hooghly
Uttarpara-Hooghly - Govt Union Boys School
Hooghly 712258
West Bengal
Membership No. AC0346194
Membership Start Date 06-APR-17
Membership End Date 05-APR-18
Product Detail Asset Care 1 year membership
# Asset Details
HAIER APPLIANCES Manufacturer Warranty Term
Brand 1
(INDIA) P.LIMITED (in Years)
Extended Warranty Term
Asset Category REFRIGERATOR 1
(in Years)
Model No. HRD-2157PRL-R Invoice No. UP/SA/1617/15404
Serial No. 15404 Invoice Amount (`) 15700
BFL LAN No. 410BEW37037364
*Includes 14% Service Tax, 0.5% Swatch Bharat Cess, 0.5% Krishi Kalyan Cess and 5.25% H-VAT/CST on applicable
assessable value of F-Secure Internet Security softwares
# Advance payment of Membership Fees is the essence of the commencement of our contract with you. Invoice will be
generated on receipt of Membership Fees
As stated in terms and conditions, the Price includes an amount of Rs. 500 (inclusive of all applicable taxes) towards
Incorporation of Your Membership, while the rest of the Price is allocated towards Services
Prachala Singh
Authorised Signatory
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Product Terms & Condions Service Fee – A part of the total Fee, other than Incorporaon Fee,
Terms & Condions of Your ‘CPP Asset Care’ Membership that You pay for availing the Services.
(Purchased through BFL) We, Us, Our – CPP.
Please read this document carefully. It sets out the informaon and Welcome Pack -Means the pack You get or We send to You when You
terms and condions of Your contract with Us for the ‘CPP Asset have purchased the Service containing these terms and condions
Care’ Membership services. and other informaon relevant to the Service.
Please read this document carefully and keep it in a safe place Year – A period of twelve (12) consecuve months.
You, Your – The Member.
Definions
ZDCL - Zee Digital Convergence Limited
Where the following words are used in these terms and condions,
they will have the meanings shown below: The CPP Asset Care Service is provided by CPP Assistance Services
Private Limited, whose corporate oce address is Ground Floor,
Abroad – In a country other than India.
Wing – A, Golf View Corporate Tower–A, Golf Course Road, Sector
Agreement – These terms and condions of the Asset Care services
– 42, Gurgaon – 122002, Haryana, India in conjuncon with its third
and any subsequent changes thereto.
party suppliers/service providers.
Appliance – New appliance purchased by You and financed from
BFL (Refer table at the last page of this Agreement for Asset Care Should You have any queries about these terms and condions or
Membership as applicable to You) Your Membership, You can contact Us by email at cpp.assetcare@
cppindia.com or by telephoning Us on 1860-258-3030 (between
BFL – Bajaj Finserv Limited, whose registered oce is at 4th Floor,
11 am – 9pm, Monday – Sunday). You can also write to Us at the
Bajaj Finserv Corporate Oce, O Pune Ahmednagar Road, Viman
following address:
Nagar, Pune – 411014, Maharashtra (and from whom You may have
financed Your Appliance and / or Asset Care Membership Fee) CPP Assistance Services (Pvt) Ltd
Card – Your credit, debit, prepaid, cash and other similar cards. P O Box No 826, Kalkaji Post Oce,
Card Loss – Loss by You or the from You of a Card. New Delhi – 110019
A. Services of Asset Care Membership (Please refer Annexure 1
CPP - CPP Assistance Services Private Limited, whose corporate oce
of this Agreement for the benefits as applicable to You for the
address is at Ground Floor, Wing – A, Golf View Corporate Tower–A,
Membership purchased by You):
Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana, India
and registered oce is at 1315, Ansal Tower, 38, Nehru Place, New A1: Mul-lingual Feature-Related Assistance Helpline
Delhi – 110019. As part of Asset Care membership, You get exclusive access
to a mul-lingual assistance helpline service that helps You
EROS Now – Eros Internaonal Ltd. and (or) Eros Internaonal Plc.
understand the features of Your home appliances in detail.
F-Secure – F-Secure Corporaon and (or) F-Secure Private Limited.
Our expert advisor will understand Your query and explain all
F-Secure Internet Security - A comprehensive internet security
aspects of the relevant features and working of Your appliances
soluon relang to Your computer (desktop or laptop), which is
in a language that You are familiar with. The assistance
owned and provided by F-Secure.
helpline can help resolve feature related queries across many
F-Secure SAFE - A comprehensive security soluon relang to
brands. You may call at our helpline number for all Asset Care
Your mobile phone or tablet (including iPAD), which is owned and
customers, from Monday to Sunday, 11am – 9pm
provided by F-Secure.
A2: F-Secure SAFE (Applicable for Mobile Phone or Tablet only)
Fee – Means the amount inclusive of applicable taxes (printed in
You will be oered a comprehensive internet security soluon
Your Welcome Pack and as shown in the table at the last page of
for Your Equipment (mobile phone or tablet including iPAD),
this Agreement as applicable to You) that You pay towards: (a) the
powered and owned by F-Secure, who is a third party supplier/
Incorporaon Fee, as the case may be; and (b) the Service Fee, when
service provider and will provide the benefits as menoned
You purchase Your Membership. CPP reserves the right to revise its
below. F-Secure SAFE key will be provided to You through
Fee at any point of me.
physical pack sent to Your Home or through text message (SMS)
Home – The place where You permanently reside; which You have
to the mobile number provided by you to BFL.
given Us as Your address while registering for the Membership
What is provided?
Incorporaon Fee – A part of the total Fee, i.e., an amount of Rs.
F-Secure SAFE protects Your Equipment and digital content there in
500, inclusive of all applicable taxes, that You pay for incorporaon
with the features which include:
of your Membership with CPP.
Safeguard Data: F-Secure SAFE provides the following features which
India Assistance – India Roadside Assistance Private Limited
ensure the safety of Your data in the Equipment:
Jeeves – Jeeves Consumer Services Private Limited
i. Remote lock - Allows the stolen Equipment to be remotely
Member – The person who has purchased and who has called locked through a secure website so that strangers cannot
CPP to register for the Membership. access personal informaon.
Membership - Your right to use the Service for which You pay the ii. Remote wipe - Allows erasing of informaon on the Equipment,
Fee, subject to these Terms & Condions or as agreed with You from so that informaon cannot be used for fraudulent purposes.
me to me. iii. Contacts back-up and restore – Allows saving of contacts
Moveprime – Moveprime Consumer Electronics Private Limited from Equipment so they can be easily restored as and when
Period of Agreement – Period of one (1), two (2) or three (3) years, required.
as the case may be, from the Start Date for which You have paid the Safeguard Phone: F-Secure provides the following features which
Fee. protect Your Equipment:
Registered Vehicle – The vehicle You have registered with Us for i. Call and text blocker - Allows blocking of calls and text
Roadside Assistance. messages from specific phone numbers.
Roadside Assistance – Means the services, which will be provided ii. SIM Card lock – Instantly locks the phone in case the SIM Card
to You by India Assistance in relaon to the breakdown of Your is removed, thus prevenng usage of Your Equipment using
Registered Vehicle. another SIM Card.
Start Date – The start date for Your Membership when You have Tracking and Recovery: F-Secure provides the following features
purchased the Appliance and are registered with Us. which help in tracking and recovery of Your lost / stolen Equipment:
Service – Shall have the meaning given to it in paragraph A below i. Remote locate - Shows where the device is on a map.
read in conjuncon with Annexure 1 at the end of this Agreement ii. Scream alarm - Allows acvaon of a scream alarm to locate
(which specifies the benefits as applicable to You and will be the Equipment
provided to You for the Membership purchased by You). iii. Lost noce - Lets You display a customizable message to
anyone who finds the Equipment, thus making arrangements install and run the F-Secure applicaon on Your computer.
for recovery. vi. F-Secure Internet Security is provided by F-Secure and F-Secure
iv. Sneak Peek - Allows built-in webcam to take a photo of anyone may at its discreon, add, modify or remove the product
using the Equipment t. features during the Agreement Period for which We cannot be
Threat Protecon: F-Secure provides the following features which held liable in any manner.
protect Your Equipment from threats: A4: Idenfier (IMEI) and SIM Registraon and Blocking Service
i. Virus and Malware protecon – detects and removes viruses If You register Your Mobile IMEI number and SIM Card number
and other internet based threats without aecng Equipment with Us, We will hold them safe should You ever need these
performance. details. If You lose Your Mobile, We will help You with the
ii. Download protecon – automacally scans downloaded noficaons that You need to make to block Your SIM Card.
applicaons and applicaon updates for threats and removes A5: Roadside Assistance (for Your Car or Bike)
them. If there is a breakdown of Your Registered Vehicle and You
iii. Automac SD Card scan – allows automac scanning of SD require our assistance Service in relaon to Your Registered
cards for threats when they are plugged into the Equipment. Vehicle, We will liaise with India Roadside Assistance Pvt.
For deriving benefit from the F-Secure SAFE, You must adhere to the Ltd (India Assistance) who is our third party supplier/service
following specific terms and condions: provider and facilitate the specified services menoned below.
i. You are governed by and must comply with the specific License Territorial Scope: Roadside Assistance Services will be provided
Agreement and terms and condions (EULA) of F-Secure as within 50kms radius from city centre in the cies under
applicable to You. coverage network of India Assistance, in the Republic of India.
ii. The supported plaorms for Mobile/Tab are Android 4.0 or A current list of cies where the below menoned services are
later, iOS 8 or later & Windows Phone 8. provided is available on our website www.cppindia.com.
iii. You must download the F-Secure SAFE applicaon on Your
Mobile/Tab and provide the informaon required to install and What is provided?
run the F-Secure applicaon on Your device. A5.1. Breakdown Support Over the Phone
iv. F-Secure SAFE is provided by F-Secure and F-Secure may at its In the event of breakdown of the Registered Vehicle, Our third
discreon, add, modify or remove the product features during party provider shall understand the basic problem prior to oering
the Agreement Period for which We cannot be held liable in any soluons. Some minor, recurring issues shall be supported over the
manner phone.
A3: F-Secure Internet Security (Applicable for Computers
A5.2. “On site” Preliminary Support of the Registered Vehicle
(Desktops or Laptops only)
In the event of immobilizaon of the Registered Vehicle due to
You will be oered a comprehensive internet security soluon
mechanical or electrical breakdown and as long as the said fault
for Your Computer, powered and owned by F-Secure, who is
can be repaired at the place of immobilizaon within a maximum
a third party supplier/service provider and will provide the
me period of sixty minutes, our third party provider will proceed
benefits as menoned below. F-Secure Internet Security key
to arrange onsite preliminary support of the breakdown. Neither
will be provided to You through physical pack sent to Your
supply of parts or replacement elements, nor materials in general
Home or through text message (SMS) to the mobile number
are included in this coverage.
provided by you to BFL.
What is provided? A5.3. Baery Jumpstart
F-Secure Internet Security protects Your digital content in Your If the Registered Vehicle does not start due to the baery being
Computer with real-me protecon against malware, hackers, discharged, Our third party provider shall arrange to jumpstart the
identy the harmful and unsavo web sites. Your online banking baery. Neither the supply of parts or replacement elements, nor
transacons are more secured with F-Secure Banking Protecon. materials in general are included in this service.
The features include: A5.4. Towing of the Registered Vehicle
• Protecon against viruses, spyware and other malware In the event that Registered Vehicle is immobilized due to the
• Always up-to-date without slowing down your device breakdown or accident and “Onsite Preliminary Support” is not
• Stops intrusions or identy the on your device possible, our third party provider shall arrange for towing of the
• Easy to install and simple to use Registered Vehicle to the nearest workshop or garage. These
• Customer support available through online chat and by phone services shall be provided using equipment deemed most suitable.
• Worry-free surfing and shopping with Browsing Protecon Only premium cars and automac transmission cars shall have
• Safe online life for your children with Parental Control prerogave of being towed on flatbed trucks, wherever available. In
• Cloud-based, real-me protecon against all online threats case the removal or extracon of the Registered Vehicle is needed,
• Secure, session-based online banking with Banking Protecon We shall arrange the service on payable basis. These costs shall be
• Privacy protecon on Facebook with Safe Profile paid on-spot by You directly to our third party provider.
• Comprehensive exploit protecon with DeepGuard 5
A5.5. Replacement Keys
For deriving benefit from F-Secure Internet Security, You must If keys of the Registered Vehicle are lost or misplaced, Our third party
adhere to the following specific terms and condions: provider shall arrange delivery of duplicate set from Your registered
i. You are governed by and must comply with the specific License address.
Agreement and terms and condions of F-Secure as applicable
to You. They are available for review at www.f-secure.com. A5.6. Fuel Delivery
ii. The supported plaorm are Windows 8.1 and 8 (ARM based If the Registered Vehicle runs out of fuel, Our third party provider
tablets are not supported), Windows 7 (all edions), Windows will arrange to get delivered up to 5 litres of fuel (petrol or diesel
Vista (Service Pack 2 or newer) and Windows XP (32-bit, Service only) for passenger cars and up to 2 litres of fuel (petrol only) for
Pack 3 or newer) motorbikes. The cost of fuel shall be paid by You on delivery on the
iii. Your computer (Desktop / Laptop) must have Intel Penum 4 or spot to Our representave.
higher processor. A5.7. Emptying of the Fuel Tank
iv. You must ensure that Your computer is equipped with at least If, due to an error, the Registered Vehicle’s tank is filled with the
1GB RAM. wrong fuel, Our third party representave shall bear the cost of
v. You must download the F-Secure Internet Security applicaon emptying it. In case this service is not feasible, the Registered Vehicle
on Your computer and provide the informaon required to shall be towed to the nearest workshop/ garage.
A5.8. Flat Tyre Support prior to or post immobilizaon.
If the Registered Vehicle has a punctured or burst tyre, Our third par- i) Events happening where the vehicle lacks documentaon or
ty provider will arrange to take care of changing it with the spare tyre requisites (including the Technical Inspecon of the Vehicles
carried in the Registered Vehicle. In case where spare tyre cannot be and Obligatory Insurance) legally necessary to ply on public
used Our third party provider will arrange to either tow the Regis- roads in the country where the Registered Vehicle is found.
tered Vehicle to the nearest tyre repair shop or accompany You to j) Events caused by fuels, mineral essences, and other inflamma-
nearest tyre repair shop and back to the Registered Vehicle. You shall ble, explosive or toxic materials transported in the Registered
pay directly repair charges to the tyre repair shop. In such cases We Vehicle.
and Our third party supplier/service provider shall not be liable for k) Any public vehicle like ambulances, taxis, police vehicles and/or
the quality of workmanship of such repairs. fire brigade vehicles and any other vehicle not used for private
A5.9. Co-ordinaon of local taxi use are excluded of all the services coverage under these gen-
In the event that breakdown takes place more than 50 kms away eral condions.
from place of residence and the “on site” preliminary support as l) Luggage that is not suciently wrapped or idenfied, fragile
menoned above is not possible, and Your Registered Vehicle is luggage or perishable products, and any commercial goods car-
towed to workshop or garage, We shall assist You by co-ordinang ried in the Registered Vehicle.
and arranging for a local taxi, wherever required. This service is to m) Assistance to occupants of the Registered Vehicle dierent to
enable You to accompany the Registered Vehicle to the dealership or those defined as beneficiaries.
travel to the nearest convenient place. In this case We shall merely n) Any animal carried in the Registered Vehicle.
be a facilitator and shall not be held responsible for quality of servic- o) The following vehicles are not covered:
es. All monetary or other transacons shall be directly between You 1. Those used for hire or reward, except if expressly includ-
and the service provider. Our role shall end as soon as the contact ed above.
details are provided to the customer (i.e., You). In case such services 2. Those used for the transportaon of goods.
are not available in that area We shall not be held responsible in any 3. Those not powered exclusively by an internal combus-
manner, whatsoever. on engine.
A5.10. General Condions and Exclusions 4. Those with an authorized maximum weight exceeding
The roadside assistance services facilitated by Us for You will be lim- 3,500 Kg.
ited as follows: 5. Any four wheeler with dimensions greater than:
General condions i. 2.5 meters in height.
a)You may register one vehicle against this membership. The assis- ii. 2.5 meters in width.
tance services provided will also cover Your passenger car if another iii. 5.1 meters in length.
authorized driver is driving. If You register a two-wheeler then only p) The following events are not covered under the program/ser-
You may use the assistance services provided in this Membership. If vices for passenger cars:
You change Your vehicle, You must send Your RC copy for approval by 1. Boot cannot be opened.
CPP before the Registered Vehicle is changed. 2. Non-funconal horn. However, if the horn is acvated
Restricted exclusions: incessantly, assistance will be provided.
a) If the Registered passenger car is over the age of 8 years or Reg- 3. Faulty fuel gauge.
istered two-wheeler is over the age of 5 years, the assistance 4. Non-funconal speedometer.
spulated in A6.1 – A6.4 (inclusive) will not be provided. 5. Non-funconal sunroof operaon.
General Exclusions 6. Non-funconal air-condioning.
a) If Your Registered Vehicle has not been maintained regularly 7. Non-funconal demisters.
as per manufacturer guidelines and thus is not in roadworthy 8. Vehicle headlights not funconal during day me.
condion. 9. Non-funconal seat adjustor but the vehicle can be driv-
b) In any case, if You or any other beneficiary refuses to pay for the en safely.
services oered on chargeable basis, your Membership will be 10. Illuminaon warning lamp of ABS, airbag warning or
cancelled. tracon control or any such non-safety related lights/
c) Any event when You or any other beneficiary is found to be in service warnings lights which do not render the vehicle
any of the situaons that are indicated below: immobilized.
1. The state of intoxicaon or under the influence of alco- 11. In the event of passenger doors not opening or seatbelts
hol, drugs, toxins or narcocs not medically prescribed not funconing and there are no passengers except the
or medically prescribed, but not consumed as per dos- driver.
age. 12. Damaged door glasses or non-funconal windows when
2. Lack of permission or corresponding license for the cat- there are no security or weather risks.
egory of the Registered Vehicle or violaon of the sanc- 13. Broken rear-view mirror not obstrucng drivers/ riders
on of cancellaon or withdrawal of them. view.
d) Any event where breakdown is caused by deliberately inflicted 14. Damaged or faulty fuel cap but vehicle has sucient fuel
damage, vandalism, arson or parcipaon in a criminal act or to reach the nearest authorized dealer.
oence. 15. Windscreen wipers turning faulty in fair weather or vehicle
e) Any past history where You or any other beneficiary has on two running out of windscreen wiper fluid.
prior occasions misused or abused the services. 16. Electronic vehicle security system is faulty but do not render it
f) Those accidents resulng from the illegimate removal of the immobilized and the alarm is not hoong connuously.
Registered Vehicle. q) The following events are not covered under the program/ser-
g) Those accidents or breakdowns that are produced when You vices for two-wheelers:
or any other beneficiary have infringed upon the regulato- 1. Non-funconal horn. However, if the horn is acvated
ry ordinances as far as the requisites and number of persons incessantly, the Services will be provided.
transported, weight and means of things and animals that can 2. Faulty gauges and meters.
be transported or the form of handling them as long as the in- 3. Vehicle headlights not funconal during day me.
fracon has been the determining cause of the accident or the 4. Illuminaon warning lamps of any non-safety related
causal event of the incident. lights/service warnings lights which do not render the
h) Any vehicle involved in or liable to be involved in a legal case vehicle immobilized.
5. Broken rear-view mirror not obstrucng rider’s view. • This oer is not an instrument for payment and shall be used
6. Electronic vehicle security systems, if fied as a stand- only for the purpose of availing services of Dio TV on the
ard equipment, are faulty but do not render it immobi- supported devices. For details please visit www.diotv.com
lized. • Internet service charges applicable as per the plan availed by
A6: Prevenve Maintenance Visit You from Your telecom service provider shall be applicable
As part of this benefit, You will be provided with one free home while accessing Dio TV.
visit per year of a technician over the Period of Agreement for • Content available on Dio TV shall be subject to change at
prevenve maintenance service (Labour only) of Your Appli- the discreon of ZDCL at any me.
ance, for which we have ed up with Jeeves who is our third • Please write to support@diotv.com for further details or
party supplier/service provider and will provide this service. enquiries.
For deriving this benefit, You are governed by and must adhere • Our role in relaon to DITTO TV subscripon shall be limited
to the following specific terms and condions: to that of a mere facilitator, and We shall not in any manner
• Prevenve Maintenance Visit will be provided in India in the be liable to You for any loss, damage or compensaon in re-
cies under coverage network of Jeeves. Its network devel- laon to or arising from its use.
opment of new cies is in progress. A current list of cies A9: Teewe (Discount Voucher for HDMI Streaming Device)
where this service is provided is available on hp://www. As part of this benefit, You will be provided with a discount
jeeves.co.in voucher to buy Teewe device (HDMI Streaming Device) from
• This benefit is governed by the terms & condions of Jeeves, the Teewe website hp://teewe.in/ at INR 999 (Indian Rupees
as may be amended from me to me. For detailed terms & Nine Hundred and Ninety Nine Only) over the Period of Agree-
condions, please visit hp://www.jeeves.co.in/terms-con- ment, for which we have ed up with Moveprime who will
dion.aspx provide You this product.
• This oer is not an instrument for payment and shall be used For deriving this benefit, You are governed by and must adhere
only for the purpose of availing the prevenve maintenance to the following specific terms and condions:
service of Your Appliance. • Oer is valid for transacons made at hp://teewe.in/
• Please contact Jeeves at hp://www.jeeves.co.in for further • The voucher can be redeemed against one transacon only
details or enquiries regarding this benefit. and paral amount cannot be redeemed.
• Our role in relaon to prevenve maintenance visit shall be • Balance amount, aer usage of discount voucher, for the
limited to that of a mere facilitator, and We shall not in any purchase of Teewe device at hp://teewe.in/, has to be paid
manner be liable to You for any loss, damage or compensa- by You online as per payment opons available.
on in relaon to or arising from its use. • Our role in relaon to Teewe device shall be limited to that
A7: Movie Subscripon of a mere facilitator, and We shall not in any manner be lia-
As part of this benefit, You will be provided with premium sub- ble to You for any loss, damage or compensaon in relaon
scripon pack oered by Eros Now which will enable You to to or arising from its use. You will be governed by the specific
watch unlimited movies and shows, and access music (which Terms and Condions of Moveprime as applicable to you at
are part of the movies, shows and music library of Eros Now). the me of purchase and usage of Teewe device.
For deriving this benefit, You are governed by and must adhere A10: Card Loss Reporng Service
to the following specific terms and condions: • If You lose Your card (credit, debit, prepaid, cash and other
• This subscripon is issued and governed by the terms & con- similar cards), You can report a Card Loss to us at our 24X7
dions of Eros Now, as may be amended from me to me. emergency helpline number 6000 4000 (pre-fix STD code) or
For detailed terms & condions, please visit hp://www. 1800 419 4000 (Toll-free) and We will contact the Issuers on
erosnow.com/#!/termsofuse Your behalf and ask them to cancel or block Your Card.
• This oer is not an instrument for payment and shall be used B: General condions
only for the purpose of availing Eros Now premium subscrip- Please read this secon carefully as it contains important
on on the supported devices. For details please visit hp:// informon.
www.erosnow.com/#!/geng_started Eligibility
• Internet service charges applicable as per the plan availed by The Service is only available to residents of India who are over the
You from Your telecom service provider shall be applicable age of eighteen (18).
while accessing Eros Now subscripon.
Term of Membership
• Content available on Eros Now premium subscripon shall
1) CPP Asset Care Membership is valid only if it is purchased
be subject to change at the discreon of Eros Now at any
within fieen (15) days of purchase of new Appliance.
me.
2) Membership is available to the person whose name appears
• Please contact Eros Now at hp://www.erosnow.com//#!/
in the Welcome Pack only and is non-transferable.
contact for further details or enquiries regarding Your sub-
3) You must provide Us with full and accurate informaon in
scripon.
connecon with Your request for the Asset Care services.
• Our role in relaon to Eros Now subscripon shall be limited
4) Your Membership begins on the Start Date and connues for
to that of a mere facilitator, and We shall not in any manner
the Period of Agreement in return for payment of the Fee.
be liable to You for any loss, damage or compensaon in re-
5) Advance payment of the Fees is the essence of the com-
laon to or arising from its use.
mencement of Our Agreement with You. In case your Fees is
A8: DITTO TV Subscripon
funded by our BFL, then You must repay BFL the full amount
As part of this benefit, You will be provided with subscripon
paid by BFL to CPP on your behalf for purchase of Your CPP As-
of DITTO TV, India’s first ever linear OTT TV plaorm oered
set Care membership. CPP shall have the right to cancel Your
by ZDCL, with which You can watch Live TV, anyme, anywhere
membership without any noce to You if you fail to repay BFL
(and in oine mode too).
any amount paid by BFL towards your CPP Asset Care mem-
For deriving this benefit, You are governed by and must adhere
bership fees.
to the following specific terms and condions:
6) In case of Mobile Phone or Tablet, You must install the F-Se-
• This subscripon is issued and governed by the terms & con- cure SAFE on Your Equipment and must have a working data
dions of ZDCL, as may be amended from me to me. For connecon. In addion to compliance with the terms and
detailed terms & condions, please visit www.diotv.com/ condions specified herein, You must comply with the specific
policy. License Agreement and terms and condions of F-Secure for
use of F-Secure SAFE. They are available for review at ww- 5) It is hereby clarified that DITTO TV subscripon is the property
w.f-secure.com It is hereby clarified that F-Secure SAFE is the of ZDCL and ZDCL will always remain responsible and liable for
property of F-Secure and F-Secure will always remain respon- any services / claims arising from the use of DITTO TV subscrip-
sible and liable for any services / claims arising from the use on by You. This subscripon is issued and governed by the
of F-Secure SAFE by You. In case of Laptop, You must install terms & condions of ZDCL, as may be amended from me
the F-Secure Internet Security on Your Laptop. In addion to to me. For detailed terms & condions, please visit www.dit-
compliance with the terms and condions specified herein, totv.com/policy. Our role in relaon to DITTO TV subscripon
You must comply with the specific License Agreement and provided to You shall be limited to that of a mere facilitator,
terms and condions of F-Secure for use of F-Secure Inter- and We shall not in any manner be liable to You for any loss,
net Security. They are available for review at www.f-secure. damage or compensaon in relaon to or arising from the use
com. It is hereby clarified that F-Secure Internet Security is the of DITTO TV subscripon.
property of F-Secure and F-Secure will always remain respon- 6) Note that services set out in Secon A5 and A6 of this Agree-
sible and liable for any services / claims arising from the use ment will not be available Abroad and within India, this service
of F-Secure Internet Security by You. will be available in the cies under the coverage network of
7) Any change or new addion to Your Service shall be inmated our third party service providers. Please refer to the specific
to You at least forty five (45) days in advance and such change terms and condions of A6 and A7 in this regard.
shall become applicable to You from the date of such inma- 7) We cannot be held responsible for any loss, damage or fraud
on. However, it is clarified that at F-Secure’s discreon, the (direct or indirect) which might occur to You due to wrong sub-
product (F-Secure SAFE and F-Secure Internet Security) fea- mission of any informaon to Us by You or if are unable to
tures may be added, modified, or removed during the Period provide the Services to You for reasons beyond Our control or
of Agreement. even aer reasonable eorts made by Us.
Limitaons Payment
1) In the event of the or loss of Cards by You and You request us 1) You (or BFL) must pay the Fee to Us on the date it is due and/or
to call the Bank / Card issuer to block the same, then We shall You must re-pay BFL the full amount paid by BFL to Us on Your
aempt to block that Card with the help of details provided behalf for Your Membership.
by You on a best eort basis. In the event that Your input is 2) CPP reserves the right to revise its Fee at any point of me but
required in the form of confidenal personal informaon num- it will not change for Your exisng Membership.
ber (PIN) or a telephone idenficaon number (TIN) (which Cancelling Your Membership
cannot be disclosed to a third party), We will assist You by con- 1) You have a right to cancel Your Membership at any me during
ferencing You on the telephone call with the Issuer in order for the period of agreement. . If You exercise this right to cancel
You to provide such PIN/TIN for authencaon purposes. It is then Your Membership will be cancelled immediately and any
clarified that we will only contact the card issuer to get Your payment made by You (or BFL on Your behalf) will be refunded
Card blocked on Your behalf and cannot be held liable under to You (or BFL) as the case may be.
any circumstances for any loss which may be incurred by You at The refund of Membership Fee will be as per the following re-
any me, prior or post nofying the Card Loss to Us, or in case fund grid:
of any delay in blocking Your Card by the Bank or Card issuer. Within 30 days : Rs. 200 will be deducted and balance mem-
2) It is hereby clarified that F-Secure SAFE and F-Secure Internet bership fees will be refunded
Security is the property of F-Secure and F-Secure will always Aer 30 days : No refund of membership fees
remain responsible and liable for any services / claims arising No refund of Fee shall be due on cancellaon under any cir-
from the use of F-Secure Internet Security by You. You are cumstances if You have used any of the features of the Service
governed by and must comply with the specific License Agree- or if the cancellaon noce is provided aer thirty (30) days
ment and terms and condions (EULA) of F-Secure as applica- from the Start Date.
ble to You. Our role in relaon to distribuon of F-Secure SAFE 2) We will cancel Your Membership on wrien noce to You if:
and F-Secure Internet Security to You shall be limited to that a) We do not receive advance payment of the Fee from You
of a mere facilitator, and We shall not in any manner be liable (or BFL) on the date it is due; and/or
to You for any loss, damage or compensaon in relaon to or b) You have failed to re-pay BFL the full amount
arising from the use of F-Secure SAFE and F-Secure Internet paid by BFL to Us on your behalf for Your Membership
Security. and We are informed by BFL to cancel your membership
3) It is hereby clarified that Jeeves will always remain responsible c) You have at any me:
and liable for any services / claims arising from the use of pre- i. given Us false or materially incomplete informaon in
venve maintenance visit by You. You will be governed by the relaon to Your Membership; or
specific Terms and Condions of Jeeves as applicable to you at ii. commied a material breach of the terms and condi-
the me of usage of Jeeves. Our role in relaon to this service ons of Your Membership.
provided to You shall be limited to that of a mere facilitator, Governing law and Jurisdicon
and We shall not in any manner be liable to You for any loss, These terms and condions are governed by and must be inter-
damage or compensaon in relaon to or arising from the use preted in line with the laws of the Republic of India.
of this service. You and We agree that all the disputes/dierences arising out of
4) It is hereby clarified that Eros Now movie subscripon is the or in relaon to this Agreement shall be referred to the exclusive
property of Eros Now and Eros Now will always remain respon- jurisdicon of and seled only by the courts in Delhi. You and We
sible and liable for any services / claims arising from the use of agree that terms and all other communicaons will be issued in
Eros Now subscripon by You. This subscripon is issued and English.
governed by the terms & condions of Eros Now, as may be Complaints
amended from me to me. For detailed terms & condions, If at any me You want to tell Us about a problem with Your Mem-
please visit hp://www.erosnow.com/#!/termsofuse. Our role bership please call Us on 1860-258-3030 (between 11 am – 9 pm,
in relaon to Eros Now movie subscripon provided to You Monday – Sunday) or You can write to the Complaints Manager at:
shall be limited to that of a mere facilitator, and We shall not in CPP Assistance Services (Pvt) Ltd
any manner be liable to You for any loss, damage or compen- P O Box No 826,
saon in relaon to or arising from the use of Eros Now Movie Kalkaji Post Oce,
subscripon. New Delhi - 110019
We will do Our best to answer Your query within five (5) working using these methods, unless You have told Us not to. If You do
days. If We cannot reply to Your complaint by then, We will send not want Your details to be used for these purposes, please let Us
You an acknowledgement leer to keep You informed of progress. know in wring at any me.
If any issue which remains unresolved or unanswered for more How We protect Your data
than five (5) working days, You may escalate the maer to escala- We take data security very seriously and go to great lengths to en-
ons@cppindia.com sure that Your informaon is protected against unauthorised use
We assure You to revert to Your query within forty eight (48) hours of any kind. We have appropriate measures in place to safeguard
of receipt of Your query. the data We hold. Our Informaon Security Systems have been
Recording calls verified by accreditaon in the form of Our PCI-DSS cerficate for
We record all telephone calls made to Us. We do this to: Informaon Security Management.
• provide a record of the instrucons We have received from You; Our suppliers/service providers are veed to ensure they comply
• allow Us to monitor quality standards; with the necessary data protecon protocol before they are ap-
• help Us with sta training; and proved.
• meet legal requirements. We are connually reviewing and updang Our security proce-
All communicaons and Membership documents will be in English dures as new technologies become available. All areas of Our
unless otherwise agreed. website where personal informaon is collected are secure and
Your consent will display the ‘padlock’ symbol for reassurance. Where informa-
By entering into this Agreement You hereby expressly accord Your on is transferred it shall be encrypted using the latest encrypon
consent and authorize us to collect all the required data/informa- technology commercially available.
on including any sensive personal data or informaon from You Please refer to Our data privacy policy on Our website www.cppin-
under this Agreement. Prior to providing any informaon, You dia.com for more details.
have an opon not to provide the data or informaon sought un- Who We may pass Your details to and how they would be used
der this Agreement by sending to us a wrien noce to that eect. Updang Your records
By entering into this Agreement, You hereby expressly accord Your We may ask Your Issuer / bank to tell Us about changes in Your
consent that for the beer performance of this Agreement We contact details / details specifically related to the Services (subject
may transfer Your data/informaon to any city within India or to a to any disclosure contract in this regard that You may have with
country outside India as menoned herein. If We do transfer Your the Issuer) so We can update Your Membership records.
data within or outside India, We will make the appropriate checks Providing the Service
to ensure that Your data is adequately protected. When You take the Membership, We pass Your personal details
Remember that upon request, You have a right to see and review to Our approved suppliers/service providers to provide some of
all the personal informaon We hold about You and if found to be the services described in Secon A. We will only pass to them the
inaccurate or deficient shall be corrected or amended as feasible. minimum amount of informaon required for them to be able to
If You would like to request this, please contact Our Customer Ser- idenfy You, should You need these services. Our suppliers will
vices Team on 1860-258-3030 (between 11 am – 9pm, Monday pass Your informaon (such as Your name, contact details, etc.) to
– Sunday) Please note that there will be a separate administraon third pares to enable them to assist You only in instances when
charge for the provision of this informaon. Please note that We You require help from them.
will not be responsible for the authencity of the informaon pro- We may pass Your personal informaon to Our approved fulfil-
vided by You to us as required under this Agreement. ment and courier vendors so that We can send correspondence to
You have the right to withdraw the consent earlier provided by You You and provide some of the features of the Service to You.
with respect to providing Your data/informaon sought by us an- Markeng and Market Research
yme while availing the Services. Such withdrawal of the consent To avoid contacng You unnecessarily about products or services
shall be inmated in wring to us. However, in the event that You You may already have, We will compare Your details with informa-
decide not to provide the data/Informaon sought by us or with- on on prospect files prepared by Our BFLs. When We do this We
draw the consent earlier given by You, then We retain the right may need to tell Our BFLs/third party suppliers/service providers
to not provide the services for which such data/informaon was that You have subscribed for the Service or hold a product with Us
sought. and disclose enough personal data to allow Our BFLs/third party
Data Protecon Noce suppliers/service providers to idenfy You on these files.
We will use the informaon You provide to: We and Our approved suppliers/service providers may also use
- manage Your Membership; Your personal informaon to contact You about goods and ser-
- collect Fees when due; and vices that might interest You or invite You to take part in market
- provide the Service to You. research surveys. You may be contacted either by post, phone or
We will collect the Fee from the card/ bank account that You have e-mail for these purposes. If You would prefer this not to happen,
informed Us is the Pay Card / Pay Account. please let Us know when You register, or call Us at any me if You
If You use a Pay Card to pay for the Service, We may ask the issuer change Your mind.
of that card to tell Us about changes in Your address and other Grievance regarding Data Protecon issues
personal and financial details so that We can update Your records. If at any me You want to tell Us about a problem, discrepancy or
This may include, but is not limited to, asking for new card or ac- grievance regarding Your personal data/informaon/details or the
count numbers and for informaon about changes to any of Your processing thereof, please call Our designated grievance ocer
personal contact details (e.g. phone or fax numbers, or e-mail ad- Ms. Prachala Singh on 1860-258-3030 (between 11 am – 9pm,
dresses). Monday – Sunday) or You can also write to Our grievance ocer
We may pass Your personal informaon to Our approved sup- at:
pliers/service providers, including Our group companies, for the CPP Assistance Services (Pvt) Ltd
purpose of sending correspondence to You and providing some of P O Box No 826,
the features of the Service to You. They may contact You by post, Kalkaji Post Oce,
landline telephone or, if You have previously agreed, by email or New Delhi – 110019
mobile phone. By taking out Your Membership and by giving Us Our grievance ocer will do his best to expediously redress any
Your address, phone number and email address, You agree that issues/grievance that You may have within a period of thirty (30)
We and Our approved suppliers/service providers may contact You days from the date of receiving Your grievance.
Membership Fees (Special Price for BFL customers (in INR inclusive of all taxes))
Appliance / Appliance Price Range (in INR)
Period of 0 - 10000 10001 - 15001 - 20001 - 30001 - 40001 - 70001 - 100001 –
Agreement 15000 20000 30000 40000 70000 100000 150000
Air Coolers
1 Year 1023 1274 1550 2022 NA NA NA NA
2 Years 1363 1739 2154 2898 NA NA NA NA
3 Years 1819 2267 2844 3893 NA NA NA NA
Digital Camera
1 Year 1061 1318 1632 2132 2897 3839 5016 6587
2 Years 1465 1920 2376 3234 4449 6103 8123 10709
3 Years 2139 2876 3645 5047 6956 9679 12994 17306
DSLR Camera
1 Year 1061 1318 1632 2132 2897 3839 5016 6587
2 Years 1465 1920 2376 3234 4449 6103 8123 10709
3 Years 2139 2876 3645 5047 6956 9679 12994 17306
Handy Cam
1 Year 1053 1347 1632 2132 2897 3894 NA NA
2 Years 1435 1948 2406 3262 4505 6159 NA NA
3 Years 2635 3589 3709 5111 7052 9808 NA NA
Home Theatre
1 Year 1061 1290 1547 2047 2754 3695 5064 6268
2 Years 1435 1835 2400 3090 4278 5817 8212 10229
3 Years 2075 2748 3485 4822 6667 9231 13150 16498
Kitchen
Appliance
1 Year 948 1158 1356 1704 2298 3019 4152 NA
2 Years 1235 1549 1892 2549 3535 4734 6672 NA
3 Years 1755 2267 2944 3893 5418 7406 10554 NA
Laptop
1 Year 1210 1631 2157 3066 3937 5806 7744 9787
2 Years 1753 2455 3085 4504 5875 8668 11606 14628
3 Years 2414 3467 4460 6620 8897 12830 17284 21888
LCD Television
1 Year 941 1199 1380 1892 2632 3583 5475 7194
2 Years 1241 1637 1900 2729 4371 5957 8231 10773
3 Years 1864 2585 3230 4441 6325 8734 12075 16157
Microwave
Owen
1 Year 1147 1433 1718 2303 3125 4236 5806 NA
2 Years 1578 2063 2576 3547 4848 6701 9438 NA
3 Years 2331 3133 3998 5559 7629 10673 15201 NA
Music System
1 Year 1061 1290 1547 2047 2754 3695 5065 NA
2 Years 1435 1835 2400 3090 4278 5817 8211 NA
3 Years 2075 2748 3485 4822 6667 9231 13151 NA
Phone (Mobile)
1 Year 948 1147 1376 1818 2497 3295 4550 NA
2 Years 1265 1578 1920 2578 3593 4790 6785 NA
3 Years 1691 2171 2684 3701 5161 6988 10010 NA
Printer
1 Year 1713 2296 2911 4053 5294 7793 9940 14299
2 Years 2376 3276 4199 5998 7895 11649 14871 21409
3 Years 3154 4404 5686 8222 10873 16066 21834 29621
Refrigerator
1 Year 1050 1343 1627 2125 2886 3879 5076 6613
2 Years 1353 1803 2229 3027 4183 5661 7621 9979
3 Years 1925 2684 3389 4694 6507 8974 12095 16019
Tablet
1 Year 948 1147 1376 1818 2497 3295 4550 5919
2 Years 1265 1578 1920 2578 3593 4790 6785 8840
3 Years 1691 2171 2684 3701 5161 6988 10010 13118
Vacuum
Cleaner
1 Year 948 1158 1356 1704 2298 3018 NA NA
2 Years 1235 1549 1892 2549 3535 4734 NA NA
3 Years 1755 2267 2944 3893 5418 7404 NA NA
Washing
Machine
1 Year 948 1179 1380 1796 2477 3093 4232 5464
2 Years 1248 1636 2006 2720 3793 4818 6793 8845
3 Years 1775 2428 3036 4213 5834 7549 10778 14192
Water Heater
1 Year 1023 1274 1550 2022 2781 3735 5147 NA
2 Years 1363 1739 2154 2898 4019 5449 7681 NA
3 Years 1819 2267 2844 3893 5418 7404 10555 NA
Water Purifier
1 Year 948 1158 1356 1704 2298 3018 NA NA
2 Years 1235 1549 1892 2549 3535 4734 NA NA
3 Years 1755 2267 2944 3893 5418 7404 NA NA
Annexure 1
List of benefits as applicable and provided to You for the Membership purchased by You
Benefit mentioned in Para A as applicable to You for Your Membership
Appliance A1 A2 A3 A4 A5 A6 A7 A8 A9 A10
Price Multi- F- F-Secure IMEI and Road Preventi Movie DITTO Teewe Card Loss
Range (in lingual Secure Internet SIM Reg. Side ve Subscrip TV (Discount Report.
INR) Assist. SAFE Security and Assist. Maint. tion Subscrip Voucher) Service
Helpline Blocking Visit tion
0 - 10000 Yes Yes Yes Yes _ _ _ Yes _ _
10001 - Yes Yes Yes Yes _ _ _ Yes _ _
15000
15001 - Yes Yes Yes Yes _ _ _ Yes _ _
20000
20001 - Yes Yes Yes Yes _ _ _ Yes _ Yes
30000
30001 - Yes Yes Yes Yes Yes _ _ Yes Yes Yes
40000
40001 - Yes Yes Yes Yes Yes _ _ Yes Yes Yes
70000
70001 - Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
100000
100001 - Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
150000
Dear MR Amit Kumar Das Date: 06-APR-17
Greetings from Bajaj Allianz General Insurance Company Ltd.
We are pleased to inform you that you have been enrolled as a member under the Extended Warranty program
supported by Group Asset Protection Policy No.: OG-17-9999-9960-00000013 (“Extended Warranty Group Policy”
issued by Bajaj Allianz General Insurance Company Limited). This benefit entitles you for the coverage as an insured
beneficiary under the Extended Warranty Group Policy as a complimentary benefit for your Asset/Appliance (as per
details below), on being the ‘CPP Asset Care' customer of CPP Assistance Services Pvt. Ltd. (Group Policyholder).
You will be covered under the above mentioned Extended Warranty Group Policy for a sum insured of up to the
purchase invoice value of your insured Asset/Appliance for the repair or replacement costs in respect of the insured
Asset/Appliance caused by a breakdown arising out of manufacturing defect and / or due to poor workmanship of
the service personnel of the authorized workshops during the policy period strictly as per the Group Policy Terms and
Conditions attached.
Details of Asset/Appliance Insured under Extended Warranty:
Notwithstanding what is mentioned in this letter, the terms and conditions of Group Asset Protection Policy which is
enclosed herewith shall be applied and prevails.
For any policy related information on the Group Asset Protection Policy, you may call your Group Policyholder on
1800-419-3030 (toll-free) or 1860-258-3030 (Monday – Sunday, 11am to 9pm) or email to cpp.assetcare@cppindia.
com or write to your Group Policyholder at the following address:
Manager – Customer Services
CPP Assistance Services Pvt. Ltd., P O Box No 826, Kalkaji Post Office, New Delhi – 110019
For any claim related query or information, you may call us on 1800-209-1021 (toll-free) (Monday – Sunday, 11am to
11pm) or e-mail us at ew.cda@bajajallianz.co.in or write to us at the following address:
Manager - Extended Warranty Claims,
Bajaj Allianz General Insurance Co. Ltd., 4th floor, G.E. Plaza, Airport Road, Yerwada, Pune - 411016
Yours Sincerely,
For Bajaj Allianz General Insurance Company Ltd.
Authorized Signatory
CIN: U66010PN2000PLC015329
GROUP ASSET PROTECTION POLICY of any one Insured Asset in any one Cover Period will not individually or in
POLICY DOCUMENT the aggregate exceed the Sum Insured set against such item in the Certificate
of Insurance.
Whereas as the Insured has made to Bajaj Allianz General Insurance Company Ltd.
SPECIAL CONDITION
(hereinafter called the Company), a proposal which is hereby agreed to be the basis
of this Policy and has paid the premium specified in the Schedule, now the Company 1. The Sum Insured in respect of each Insured Asset must equal the original
agrees, subject always to the following terms, conditions, exclusions, and limitations, purchase price of the Insured Asset.
to indemnify the Insured Beneficiary in excess of the amount of the Deductible and 2. The Insured Asset has been purchased by Insured Beneficiary within six
subject always to the Sum Insured against such loss as is herein provided. months prior to the date on which the Insured Asset has been proposed for
DEFINITIONS Insurance and
The following words or terms shall have the meaning ascribed to them 3. The manufacturing warranty period of the asset is still in force on the date it
wherever they appear in this Policy, and references to the singular or to the has been proposed for Insurance.
masculine shall include references to the plural and to the female wherever 4. The Sum Insured shall stand reduced by the amount of loss that has been
the context so permits: claimed by Insured Beneficiary and cannot be reinstated.
1) Breakdown 5. In the event of a total loss/CTL settlement of claim or exhaustion of sum in-
sured due to payment of partial loss claims, the Certificate of Insurance shall
a) For electrical and mechanical items, Breakdown shall mean the
cease immediately and the Insured shall not be entitled to any refund of pre-
mechanical and/or electrical failure of a physical object that causes it
mium.
to not function in its intended manner
EXCLUSIONS
b) For Furniture, Breakdown shall mean
The Company is not liable for and no indemnity will be provided in respect of
Mechanical operational or structural failure of frames, springs,
any loss to the Insured Asset arising out of, caused by, occasioned by, attrib-
joints, welds, mechanisms (including inclining, reclining, heating, and
utable to or howsoever connected to:
vibrating), motors, levers or hand wands, or power or remote cords
used for sleeper, reclining, and inclining applications. 1. Any claim falling beyond the cover period under Certificate of Insurance.
2) Certificate of Insurance means the Certificate issued to the Insured 2. Deductible:
Beneficiary under the Master Policy/Group Policy which contain details such For Partial Loss Claims: As applicable and mentioned in the Master Policy.
as the Master Policy number, name and address of the Insured Beneficiary, For Total Loss Claims: No deductible is applicable.
the asset description, the Manufacturer's Warranty period, Cover Period,
3. Loss or damage arising out of the Insured Asset not being used in accordance
deductible and the terms and conditions of the coverage.
with manufacturer's general instructions/guidelines.
3) Constructive Total Loss [CTL] : An insured asset will be considered to be
4. Loss or damage for which the manufacturer of the Insured Asset is responsible
a constructive total loss if the cost of repair of the asset exceeds 75% of the
under a guarantee and/or warranty/conditions.
sum insured/balance sum insured of the asset.
5. Loss or damage arising out of improper use of the Insured Asset
2) Deductible means the amount which shall be borne by the Insured
Beneficiary in respect of each and every claim made under this Policy. The 6. Loss or damage arising out of modification or alteration of any nature made
Company's liability to make any payment under the Policy is in excess of the in the electrical circuitry and/or physical/structural construction of the Insured
Deductible. Asset.
3) Group: The definition of a group as per the provisions of group guidelines 7. Where repair work is carried out by persons/agency that are not authorized by
issued by Authority vide circular015/IRDA/Life/Circular/GI Guidelines/2005 the manufacturer or by the Insurer.
dated 14th July 2005 and further amendments, circulars/guidelines/ 8. Inconsequential aspects such as noises, vibrations, warpage, oil seepage and
regulations, if any Issued/that may be issued, from time to time. sensations that do not lead to dismal performance of the Insured Asset.
4) Insured means the Organization/Entity/Group Manager named in the Master 9. Loss or damage to accessories used in connection with the Insured Asset that
Policy were not supplied at the time of purchase of the Insured Asset by the Insured.
5) Insured Beneficiary shall mean members of the group covered under the 10. Replacement of any consumable item of the Insured Asset, including but not
Master Policy. limited to batteries, bulbs, plugs, cables, ribbons, belts, tapes, fuses, filters,
6) Insured Asset means a physical object which is usable movable Article toner or software.
which has value and for which a market value can be ascertained and same 11. Defects or faults that were not covered under the manufacturer's warranty.
is owned/purchased by the Insured Beneficiary which is the subject matter of 12. Loss or damage due to or consequent upon wear and tear and/or gradual
insurance under this Master Policy and mentioned/described specifically on deterioration of the Insured Asset.
the Certificate of Insurance. 13. Loss or damage arising out of improper or abnormal electrical/gas/water sup-
7) Covered Insured Event: means the insured risk covered under the coverage ply or signal connection to the Insured Asset.
under Certificate of Insurance read with these Terms and Conditions. 14. The cost of transporting the Insured Asset to and/or from the place of repair.
8) Master Policy shall mean the group Policy issued to the Insured containing 15. Loss or damage caused by or arising out of the wilful acts or wilful gross
the terms and conditions of the insurance coverage and under which negligence or fraudulent acts of the Insured/ Insured Beneficiary(ies) and/
Certificates of Insurance shall be issued to the Insured Beneficiary. The validity or Insured's/Insured Beneficiary(ies) family and/or Insured's/ Insured Benefi-
of the Master Policy shall be for a period of twelve months as mentioned in ciary(ies) employees
the Group Policy Schedule.
16. Insured/ Insured Beneficiary(ies) consequential losses of any kind and/or legal
9) Policy means the Master Policy Schedule, the Terms and Conditions of Mas- liability of any kind.
ter Policy, Certificate of Insurance issued to respective Insured Beneficiary/ies
and any endorsements attaching to or forming part thereof either on the Cover 17. Failure of parts which are subject to recall by manufacturer of the Insured
period or during the Policy Period. Asset.
10) Policy Period refers to group Master policy period, within which certificates 18. The cost of repairing, restoring or reconfiguring computer software or any
of insurance are issued to members of the group. Also references to Policy system programs.
Period will imply Cover Period of respective Certificate of Insurance/s. 19. Any cost incurred with periodic maintenance of the Insured Asset, including
11) Cover Period means the period as specified in the Certificate of Insurance parts replaced in course of such maintenance operations.
under which the Insured Asset owned by the Insured Beneficiary is insured 20. Loss or damage due to corrosion, rust, denting, scratching, blockages or dust.
and covered as per Terms and Conditions of the Master Policy. The Cover Pe- 21. Where the original serial number is removed, obliterated or altered from In-
riod starts on the expiry of the manufacturer's Warranty Period and shall end sured Asset.
on the specified date mentioned in the Certificate of Insurance issued to the 22. Loss or damage arising out of improper storage or transportation of the In-
Insured Person. sured Asset.
12) Manufacturer's Warranty Period means the period of time for which the 23. The cost of installation of the Insured Assets and/or any optional attachment
Manufacturer provides Warranty for the insured Asset shall be effective/ to the Insured Asset.
available.
24. Loss or damage due to use of non-genuine parts, accessories and/or consum-
13) Sum Insured [SI] means the amount stated in the Certificate of Insurance, ables.
which is the maximum amount (regardless of the number of amount of claims
made) for any one claim and or in the aggregate for all claims by Insured 25. Where there is a change of ownership of the Insured Asset.
Beneficiary under Certificate of Insurance during the Cover Period in relation 26. Mechanical and/or electrical breakdown caused by overloading, strain, over-
to the Insured Asset. running, freezing, excessive pressure, short-circuiting, heating.
COVERAGE 27. Service/maintenance calls which do not involve malfunction or defects in the
Insured Asset due to workmanship or material used by manufacturer.
The Company will indemnify the Insured Beneficiary against the repair or
replacement costs in respect of the Insured Asset belonging to the Insured 28. Damages caused by services performed by service personnel of the non-au-
Beneficiary caused by a Breakdown arising out of manufacturing defect and/or thorized persons or repairer workshops.
due to poor workmanship of the service personnel of the authorized workshop 29. Where the Insured Asset is subject to commercial, rental or profit generation
during the Cover Period provided that the liability of the Company in respect purposes.
30. Loss or damage arising out of any external cause, including but not limited to 2. Reasonable Care
fire, theft, explosion, water damage, acts of God perils, riots/strike/malicious The Insured Beneficiary shall:
damage, - act of terrorism, corrosion, rust, denting, scratching, animal/insect
damage, entry of foreign bodies etc. a. Take all reasonable steps to safeguard the Insured Asset against any
Covered Insured Event.
31. Any circumstance, fact or matter of which the Insured was or ought reasona-
bly to have been aware prior to the commencement of the Policy Period/Cover b. Take all reasonable steps to prevent a claim from arising under this
Period. Policy
32. Ionising, radiation or contamination by radioactivity from any nuclear fuel or 3. Duties and Obligations after Occurrence of an Covered Insured Event:
from any nuclear waste or from the combustion of nuclear fuel. Save as more specifically provided for elsewhere in the Policy, it is a condition
33. The radioactive toxic explosive or other hazardous properties of any explosive precedent to the Company's liability under this Policy that, upon the happening
nuclear assembly or nuclear component thereof. of any event giving rise to or likely to give rise to a claim under this Policy:
34. War, invasion, acts of foreign enemies, hostilities (whether war be declared a. The Insured or Insured Beneficiary shall immediately and in any event
or not), civil war, rebellion, revolution, insurrection, military or usurped power within 14 days give written notice of the same to the Company or any
or confiscation or nationalisation or requisition of or damage to property by or of its representatives and appointees, at the address shown in the
under the order of any government or public local authority. Schedule for this purpose, and in case of notification of an event likely
35. Any loss or damage that arises when the Certificate of Insurance is not in to give rise to a claim to specify the grounds for such belief, and
force due to any reason whatsoever. b. The Insured or Insured Beneficiary shall not abandon the Insured As-
set, nor take any steps to rectify/remedy the damage before the same
36. Exclusion specific to furniture which is Insured Asset:
has been approved by the Company or any of its representatives and
a) Loss or damage caused by stains howsoever caused appointees, and
b) Maintenance, damage caused by normal or ordinary wear-and-tear, in- c. The Insured or Insured Beneficiary shall within 28 days deliver to the
cluding but not limited to Scuffing, scrapes, or other surface abrasions, Company its completed claim form detailing the loss or damage that
including surface scratches on leather or fabrics.. has occurred and an estimate of the quantum of any claim along with
c) Damage to Mattresses, Wicker and rattan furniture, Nubuck, suede or all documentation required to support and substantiate the amount of
exotic leathers, Split-grain leather hides used in seat cushions, back Indemnification sought from the Company, and
cushions, or arm areas, d. The Insured or Insured Beneficiary shall expeditiously provide the Com-
d) Components and mechanisms integrated into furniture, including but pany and its representatives and appointees with all the information,
not limited to adjustable bed frames, sinks, plumbing, robotics, TV assistance, records and documentation that they might reasonably
lifts, electronics, USB ports, electrical outlets, electrical appliances, require, and
fireplaces, clocks e. The Insured or Insured Beneficiary shall allow the Company and its
e) Fading, colour loss, or colour change and/or Cracking and peeling of representatives and appointees to inspect the Insured Asset or any
leather or vinyl other material items, as per ‘the Right to Inspect' Clause.
f) Loss of foam and/or inner spring resiliency (including any impressions *Note: Waiver of conditions (a) and (c) may be considered by the Company
or deformation) at its absolute discretion, in extreme cases of hardship where it is proved to
the satisfaction of the Company that under the circumstances in which the
g) Repairs carried out by persons not authorised by the company/manu-
Insured Beneficiary was placed, it was not possible for the Insured or Insured
facturer.
Beneficiary or any other person claiming on his/her behalf to give notice or file
h) Checking, cracking, bubbling, or peeling of the finish. claim within the prescribed time limit. The decision of the Company shall be
i) Chips, scratches, and/or breakage of glass or any brittle material used final and binding on the Insured or Insured Beneficiary.
in manufacturing or mirrors, loss of silvering on mirrors.
4. Right to Inspect
j) Any loss or defects covered under any warranty/Guarantee/ other
insurance policies If required by the Company, its representatives and appointees, including a
loss assessor or a surveyor appointed in that behalf, shall in case of any loss/
k) Damage caused by fire, smoke, flood or other natural disaster, theft or
damage or any circumstances that have given rise to a claim under the Policy
vandalism.
be permitted at all reasonable times to examine into the circumstances of
l) Damage caused by structural problems or appliance malfunctions such such loss/damage. The Insured or Insured Beneficiary shall, on being required
as, but not limited to, leaks from air conditioners, skylights, roofs, wa- so to do by the Company, produce all books of accounts, receipts, documents
ter heaters, or water pipes. relating to or containing entries relating to the loss or such circumstance in his
m) Furniture that is used for commercial, institutional or rental purposes. possession and furnish copies of or extracts from them as may be required by
n) Furniture that has been mishandled, neglected, or abused other than the Company so far as they relate to such claims or will in any way assist the
intended use as specified by the manufacturer. Company to ascertain in the correctness thereof or the liability of the Company
o) Furniture sold “as is” or floor samples. under the Policy.
p) Furniture showing signs of infestation, including but not limited to 5. Contribution
insects, rodents, termites and cockroaches. If, at the time of any claim, there is, or but for the existence of this Policy,
q) The effects of weather conditions upon the product such as but not would be any other policy of indemnity or insurance in favour of or effected
limited to sunlight, wind, weather, rusting, radiation, corrosion. by or on behalf of the Insured Beneficiary applicable to such claim/Insured
Asset, then the Company shall not be liable to pay or contribute more than its
CLAIM SETTLEMENT rateable proportion of any loss or damage.
In the event of a loss, the basis of loss settlement shall be as follows:
6. Subrogation
1. Where an Insured Asset can reasonably be repaired or reinstated at a cost
less than the replacement cost, the Company will indemnify the Insured Ben- The Insured Beneficiary under the Certificate of Insurance shall at the expense
eficiary in respect of the expenses necessarily incurred to restore the Insured of the Company do or concur in doing or permit to be done all such acts and
Asset to its state immediately prior to the happening of the Covered Insured things that may be necessary or reasonably required by the Company for the
event. No depreciation will be deducted. purpose of enforcing any civil or criminal rights and remedies or obtaining
relief or indemnity from other parties to which the Company shall be or would
2. In the case of a total loss/Constructive Total Loss [CTL] the Company shall become entitled or subrogated upon the Company paying for or making good
indemnify the Insured in respect of the restoration or replacement costs any loss or damage under the Certificate of Insurance whether such acts and
subject to maximum of the Sum Insured set against the Insured Asset in the things shall be or become necessary or required before or after the Insured
Certificate of Insurance, subject to a depreciation of 10% per annum from the Beneficiary(ies) indemnification by the Company.
date of Invoice of the Insured Asset
3. Claims subsequent to the payment of partial loss claim(s) shall be considered 7. GROUP DISCOUNT
as a Constructive Total Loss [CTL] if the cost of repairs exceeds the remaining Applicable group discount will be as per the table below
SI after payment of the partial loss claim.
4. The Company may at its Option repair, reinstate or replace the Insured Asset Group Size Group Discount
damaged or destroyed, or any part thereof instead of paying the amount of
loss or damage Upto 500 0.00%
5. The Company shall be entitled to retain any defective part replaced under the
Policy with all subrogation rights. 501 to 1000 3.80%
GENERAL CONDITIONS
1001 to 2000 4.80%
1. Due Observance
The due observance of and compliance with the terms, provisions, warranties 2000 and above 5.10%
and conditions of this Policy insofar as they relate to anything to be done
or complied with by the Insured/Insured Beneficiary shall be a condition
precedent to any liability of the Company under this Policy. Note - Group discount will be applicable on the group size at inception of
the policy. There shall not be any midterm revision of group discount. Subject to provision relating to cancellation, the coverage under the Certificate
8. Fraud of Insurance will terminate on the earliest of the following occurrence:
If the Insured or any Insured Beneficiary under the Certificate of Insurance or a. The expiry date of Cover Period as mentioned in the Certificate of
any one acting on his behalf shall make or advance any claim be in any respect Insurance
fraudulent, or if any false declaration be made or used in support thereof or b. In case of loss/damage, any claim paid up to the Sum Insured as
if any fraudulent means or devices are used to obtain any benefits under the mentioned in the Certificate of Insurance
Certificate of Insurance or if the loss or damage be occasioned by the wilful c. The date that the Insured Beneficiary is no longer member of the group
act, or with the connivance of the Insured Beneficiary, all benefits under the of the Insured.
Certificate of Insurance shall be void and all claims or payments thereunder
d. The effective date of cancellation of Certificate of Insurance by the
shall be forfeited.
Company or Insured , as the case may be, in accordance with these
9. Cancellation of Master Policy/Certificate of Insurance by the Compa- terms and conditions of the Policy
ny
12. Transfer
a. The Master Policy may be cancelled by the Company at any time
Transferring/assigning of Interest in this Policy to anyone else is not allowed.
before the expiry of the Policy Period of Master Policy by giving at
least 15 days written notice to the Insured. Provided however if 13. Automatic Termination
the Company cancels the Master Policy even then the respective The cover for the Insured Beneficiary shall terminate immediately in the event
Certificate of Insurance/s issued to various Insured Beneficiaries shall of admissible claim and settlement of 100% Sum Insured mentioned in the
be valid for the Covered Period, unless the Certificate of Insurance is Certificate of Insurance.
also cancelled by the company. 14. Dispute Resolution
b. The Certificate of Insurance may be cancelled by the Company at any a. If any dispute or difference shall arise as to the quantum of claim to
time before the expiry of the Covered Period by giving at least 15 days be paid under this Policy (liability/claim being otherwise admitted by
written notice to the Insured and Insured Beneficiary. the Company), such difference shall independently of all other question
c. If the Certificate of Insurance is cancelled by the Company prior to be referred to the decision of a sole arbitrator to be appointed in writ-
commencement of the Cover Period mentioned in the Certificate of ing by the Company and the respective Insured Beneficiary or if they
Insurance issued to the Insured Beneficiary, the Company will refund cannot agree upon a single arbitrator within 30 days of any party [the
100% of the premium to the Insured, Company or the respective Insured Beneficiary] invoking arbitration,
d. If the Certificate of Insurance is cancelled by the Company after the the same shall be referred to a panel of three arbitrators, comprising
commencement of the Cover Period mentioned in the Certificate of of two arbitrators one to be appointed by each of who are the parties
Insurance issued to the Insured Beneficiary the Company shall refund to the dispute/ difference and the third arbitrator to be appointed by
to the Insured a pro-rata premium for the unexpired Cover Period in such two arbitrators and arbitration shall be conducted under and in
respect of the Certificates of Insurance issued prior to the date of accordance with the provisions of the Arbitration and Conciliation Act,
cancellation on which no claim has been lodged. 1996 as amended from time to time. The law of the arbitration will be
e. No refund shall be made in respect of Certificates of Insurance Indian law, and the seat of arbitration and venue for all hearings shall
cancelled by the Company on which claim has been lodged by the be within India.
Insured Beneficiary or a person on behalf of the Insured Beneficiary. b. It is clearly agreed and understood that no difference or dispute shall
f. For the avoidance of doubt, the Company shall remain liable for any be referable to arbitration as herein before provided if the Company
claim that was made prior to the effective date on which the Certificate has disputed or not accepted/admitted the liability/claim under or in
of Insurance is cancelled. respect of the respective Certificate of Insurance.
g. Under normal circumstances the policy shall not be cancelled by c. It is hereby expressly stipulated and declared that it shall be a con-
the company except on the grounds of Fraud, mis-representation or dition precedent to any right of action or suit upon the respective
non-disclosure of material facts or non-co-operation by the Insured Certificate of Insurance read with this Policy that the award by such
Beneficiary. Provided however if Certificate of Insurance is cancelled arbitrator/ arbitrators of the amount of the loss or damage shall be first
due to Fraud, mis-representation or non-disclosure of material facts obtained.
or non-co-operation by the Insured and Insured Beneficiary then the d. It is also hereby further expressly agreed and declared that if the
premium shall be forfeited and no refund of premium shall be made by Company shall disclaim/repudiate the liability to the respective Insured
the Company. Beneficiary for any claim under Certificate of Insurance issued to them,
10. Cancellation by the Insured before the expiry of Master Policy/ and such claim shall not, within 12 calendar months from the date of
Certificate of Insurance: such disclaimer have been made the subject matter of a suit in a court
of law, then all benefits under the Certificate of Insurance shall be
a. During the Policy Period of the Master Policy, the Insured may cancel
forfeited and the rights of Insured Beneficiary shall stand extinguished
the Master Policy at any time by giving at least 15 days written notice
and the liability of the company shall also stand discharged.
to the Company.
i. In the event that these arbitration provisions shall be held to be
b. The Certificate of Insurance may be cancelled by the Insured as under:
invalid then all such disputes or differences shall be referred to
(i) If the Certificate of Insurance is cancelled by the Insured the exclusive jurisdiction of the Indian Courts subject to other
prior to commencement of the Cover Period mentioned in the clauses herein.
Certificate of Insurance issued to the Insured Beneficiary, the 15. Notices
Company will refund, subject to retention of Rs.100 towards
a. Any and all notices and declarations for the attention of the Company
administrative costs per Certificate of Insurance, 100% of the
shall be submitted in writing and shall be delivered to the address
premium to the Insured.
specified in the Certificate of Insurance.
(ii) The Certificate of Insurance may be cancelled by the Insured b. Any and all notices and declarations for the attention of the Insured
within six months of the date of commencement of the Cover Beneficiary shall be posted to the Insured's address stated in the
Period mentioned in the Certificate of Insurance, in which case Certificate of Insurance.
the Company will refund the premium to the Insured on a pro-
16. Governing Law
rata basis by reference to the risk undertaken as provided in
the respective Certificates of Insurance till effective date of The construction, interpretation and meaning of the provisions of this Policy
such termination, subject however to a minimum retention and Certificate of Insurance shall be determined in accordance with Indian
of 25% of premium mentioned in the Certificate of Insurance law. The section headings of this Policy and Certificate of Insurance are
or Rs.100 per Certificate of Insurance whichever is higher in included for descriptive purposes only and do not form part of this Policy or
respect of those certificates of Insurance on which no claim Certificate of Insurance for the purpose of its construction or interpretation.
has been lodged. However no request from the Insured 17. Entire Contract
for cancellation of any Certificate of Insurance shall be This Policy read with respective Certificate of Insurance constitutes the
entertained after completion of six months from the date of complete contract of insurance for the Insured Beneficiary. No change or
commencement of the Cover Period. alteration in this Policy shall be valid or effective unless approved in writing
c. No refund of premium shall be due on cancellation of Certificate of by the Company, which approval shall be evidenced by an endorsement on the
Insurance if a claim has been made by the Insured Beneficiary. Policy/Certificate of Insurance.
d. For the avoidance of doubt, the Company shall remain liable for any 18. Territorial Limits
claim that was made prior to the effective date of cancellation of This Policy and Certificate of Insurance covers insured events of concerned
Certificate of Insurance. Insured Beneficiary arising during the Cover Period within India. The
Note: For avoidance of doubts it is also clarified that since premium is born and Company's liability to make any payment under admissible claims under
paid by Insured and received by the Company, any cancellation or refund of such Certificate of Insurance shall be to make payment to concerned Insured
premium shall always be made to Insured as mentioned in these Policy Terms and Beneficiary within India and in Indian Rupees only.
Conditions/wordings. 19. Renewal Notice
11. Validity of Certificate of Insurance The Company shall not be bound to receive any renewal premium nor give
0 / OTHERS / Page 14 of 20
notice that such renewal and renewal premium is due. If the Company agrees of Insurance issued to the concerned Insured Beneficiary.
to renew the cover period under the Certificate of Insurance Every renewal Second Step
premium (which shall be paid and accepted in respect of the Certificate of
Naturally, the Company hope the issue can be resolved to the satisfaction of
Insurance) shall be so paid and accepted upon the distinct understanding
Insured Beneficiary at the earlier stage itself. But if Insured Beneficiary feel
that no alteration has taken place in the facts contained in the proposal or
dissatisfied with the suggested resolution of the issue after contacting the
declaration herein before mentioned and that nothing is known to the Insured
local office, please e-mail or write to:
Beneficiary that may result in enhancement of the risk of the Company under
the Certificate of Insurance . No renewal receipt shall be valid unless it is on Customer Care Cell
the printed form of the Company and signed by an authorized official of the Bajaj Allianz General Insurance Co. Ltd
Company. GE Plaza, Airport Road, Yerawada, Pune 411 006,
20. Resolving Issues E-mail: customercare@bajajallianz.co.in
The Company do its best to ensure that its customers are delighted with If the Insured Beneficiary is still not satisfied, he can approach the Insurance
the service they receive from the Company. If the Insured Beneficiary is Ombudsman in the respective area for resolving the issue. The contact details
dissatisfied the Company would like to inform the Insured Beneficiary that the of the Ombudsman offices are mentioned below:
Company has a procedure for resolving issues, as mentioned herein below. Note: Address and contact number of Governing Body of Insurance Council:
Please include your Certificate of Insurance number in any communication.
This will help the Company to deal with the issue more efficiently. Secretary General - Governing Body of Insurance Council
First Step Jeevan Seva Annexe, 3rd Floor, S.V. Road, Santacruz (W), Mumbai - 400 054
Initially, it is suggest that the Insured Beneficiary contact the Branch Manager Tel. No.: 022 - 2610 6889, 26106245, Fax No.: 022 - 26106949, 2610 6052,
/ Regional Manager of the local office of the Company which has issued the E-mail ID: inscoun@vsnl.net
policy. The address and telephone number will be available in the Certificate
AHMEDABAD
Office of the Insurance Ombudsman,
2nd floor, Ambica House, Near C.U. Shah College, Gujarat,
5, Navyug Colony, Ashram Road, Ahmedabad – 380 014. Dadra & Nagar Haveli,
Tel.: 079 - 27546150 / 27546139 Fax: 079 - 27546142 Daman and Diu.
Email: bimalokpal.ahmedabad@gbic.co.in
BENGALURU
Office of the Insurance Ombudsman,
Jeevan Soudha Building,PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Karnataka.
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@gbic.co.in
CHANDIGARH -
Office of the Insurance Ombudsman,
S.C.O. No. 101, 102 & 103, 2nd Floor, Batra Building, Sector 17 – D, Punjab,
Chandigarh – 160 017. Haryana, Himachal Pradesh, Jammu & Kashmir,
Tel.: 0172 - 2706196 / 2706468 Fax: 0172 - 2708274 Chandigarh.
Email: bimalokpal.chandigarh@gbic.co.in
0 / OTHERS / Page 15 of 20
GUWAHATI - Sh. / Smt.
Office of the Insurance Ombudsman,
Jeevan Nivesh, 5th Floor, Nr. Panbazar over bridge, S.S. Road, Assam,
Guwahati – 781001(ASSAM). Meghalaya, Manipur, Mizoram,
Tel.: 0361 - 2132204 / 2132205 Fax: 0361 - 2732937 Arunachal Pradesh, Nagaland and Tripura.
Email: bimalokpal.guwahati@gbic.co.in
LUCKNOW - Shri. N. P. Bhagat Districts of Uttar Pradesh : Laitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot,
Office of the Insurance Ombudsman, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazi-
6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, pur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki,
Lucknow - 226 001. Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti,
Tel.: 0522 - 2231330 / 2231331 Fax: 0522 - 2231310 Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushina-
Email: bimalokpal.lucknow@gbic.co.in gar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar.
NOIDA - Shri. Ajesh Kumar State of Uttaranchal and the following Districts of Uttar Pradesh: Agra, Aligarh,
Office of the Insurance Ombudsman, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kanooj, Mainpuri, Mathu-
Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, ra, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad,
Distt: Gautam Buddh Nagar, U.P-201301. Firozbad, Gautambodhanagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli,
Tel.: 0120-2514250 / 2514251 / 2514253 Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur.
Email: bimalokpal.noida@gbic.co.in
0 / OTHERS / Page 16 of 20
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