Terms & Conditions

These Terms and Conditions (“T&C”) govern the access and use of services offered by Zenisk Insurance Brokers Pvt. Ltd. (“Zenisk”), a Direct Insurance Broker (Life & General) registered with the Insurance Regulatory and Development Authority of India (IRDAI).

By accessing this website or engaging our services, you acknowledge and agree to be bound by these Terms & Conditions, which supersede any prior written or verbal communication. Zenisk may update or revise these terms at its discretion, and such changes shall be effective upon publication on the website.

Company Regulatory Details

Company Name: Zenisk Insurance Brokers Pvt. Ltd.

IRDAI Registration No.: 1010

Category: Direct Broker (Life & General)

Registered Office:
8th Floor, SRB Tower, Infocity Square, KIIT, Bhubaneswar – 751024, Odisha, India.

Scope of Services

Zenisk operates as an insurance intermediary facilitating access to insurance products and services. Our functions include, but are not limited to the following:

Advisory Services

  • Understanding your insurance requirements, whether personal, group, or commercial.
  • Assisting in identifying suitable insurance products.
  • Providing policy quotations based on the information you provide.

Policy Placement

  • Acting on your behalf to procure policies from IRDAI-licensed insurers.
  • Ensuring policy documentation, communication, and issuance are completed promptly.
  • Facilitating renewals, endorsements, and clarifications.

Claim Support

  • Guiding you on claim procedures, documentation requirements, and timelines.
  • Providing assistance in claim presentation, follow-up, and representation.
  • Coordinating with insurers and surveyors regarding claim matters.

Technology & Digital Services

Where applicable, Zenisk may offer digital platforms, dashboards, portals, or app-based facilities for:

  • Policy access
  • Claim intimation
  • Customer service interactions
  • Notifications and updates

Zenisk does not guarantee uninterrupted access or error-free functioning of these digital tools.

Customer Responsibilities

Accurate Disclosure

Insurance relies on accurate and complete disclosure. You are responsible for providing true, complete, and timely information related to:

  • Personal details
  • Risk information
  • Policy requirements
  • Claims and supporting documents

Any non-disclosure, delay, or misrepresentation may lead to:

  • Policy cancellation
  • Claim repudiation
  • Reduced benefits

Zenisk shall not be liable for consequences arising from non-disclosure or incorrect information provided by you.

Claims & Documentation

You are responsible for:

  • Timely claim notification
  • Providing all required documents
  • Complying with policy terms

Zenisk is not responsible for claim rejection due to non-compliance, delayed reporting, or inadequate documentation.

Premium Payments

All premiums must be paid directly to the insurer, not to Zenisk.

Zenisk does not handle premium collection except where specifically authorized.

If using online payment links, the transaction’s success or failure depends entirely on third-party payment gateways or banks.

Indemnity

You agree to indemnify Zenisk, its officers, employees, and agents against losses arising from:

  • Incorrect instructions
  • Misrepresentation
  • Breach of your obligations
  • Unauthorized use of the website or services

Limitations of Liability

Zenisk, its employees, directors, and affiliates shall not be liable for:

  • Direct, indirect, incidental, special, punitive, or consequential damages.
  • Loss of data, profits, goodwill, or business opportunity.
  • Technical errors, downtime, or failure of the website or server.
  • Errors or delays caused by third-party service providers, bankers, or insurers.
  • Decisions or actions taken by insurers including underwriting, pricing, or claim outcomes.
  • Loss or misuse of sensitive information disclosed by the customer to unauthorized third parties.

Zenisk does not guarantee:

  • Accuracy or completeness of third-party content.
  • Availability or viability of any insurer.
  • The outcome of claims or underwriting decisions.
  • Error-free functioning of digital services.

Confidentiality & Data Protection

Zenisk is committed to safeguarding customer data in accordance with:

  • IRDAI Regulations
  • Applicable data protection laws
  • The Information Technology (Reasonable Security Practices & Procedures) Rules

Your data may be shared only for:

  • Servicing your insurance requirements
  • Claims processing
  • Regulatory or statutory reasons

Zenisk will not sell, trade, or misuse customer information. For more details, refer to our Privacy Policy (to be created if needed).

Use of Website & Intellectual Property

The website and its content, including text, graphics, logos, and software, are the exclusive property of Zenisk or licensed third parties.

You may not copy, reproduce, publish, modify, or distribute any content without prior written consent from Zenisk.

Unauthorized access, hacking attempts, or misuse of website features are strictly prohibited.

Zenisk does not warrant that:

  • The website is virus-free.
  • Information on the website is always current or error-free.

Third-Party Links & Information

The website may contain references or links to external sites.
Zenisk:

  • Does not control, endorse, or verify any third-party content.
  • Is not liable for the availability, accuracy, or reliability of such content.

You access third-party sites at your own risk.

Termination of Services

Either party may terminate the engagement by written notice of 90 days, unless:

  • Regulatory obligations prevent immediate termination.
  • Ongoing policy or claim assistance is required.
  • You explicitly instruct Zenisk otherwise.

Zenisk may suspend website access or services for:

  • Fraudulent activity
  • Breach of Terms & Conditions
  • Misuse of digital tools
  • Regulatory requirements

Marketing & Communication Consent

You grant Zenisk permission to:

  • Share relevant product information
  • Contact you via email, SMS, or phone
  • Send service-related or promotional updates

This consent may be revoked at any time by written communication.

Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of India.
Any dispute shall fall under the exclusive jurisdiction of courts in Bhubaneswar, Odisha.

Acceptance

By accessing this website, using Zenisk’s services, or communicating with our representatives, you acknowledge that:

  • You have read and understood these Terms & Conditions.
  • You agree to abide by them.
  • You accept that they may be updated periodically.