By using our services and /or visiting our website you are agreeing to be bound by the following terms and conditions. These conditions are subject to change from time to time.
The term "user" means all those who are using services of O-Locker. The user can be :
The term "services" means all services which PBPL provides to users as a part of O-Locker subscription which the user can enjoy by accessing our website and/or mobile app.
The term "data" means all the information relating to the users and their respective products, financial assets, whereabouts and any other information as uploaded by them from time to time during the course of signing up for or using the services by olocker.
The term "registered channel partner" refers to the jewellery retailers or government approved certified valuers who have registered with the website.
The term "Certificate of Insurance or COI" means the document bearing a unique 16-digit alpha numeric code, generated using the website functionalities and contains details including but not limited to the information pertaining to:
The term "Subscribed user" refers to a user:
The term "normal user" refers to an individual who has registered himself on the website but has not paid subscription money either by himself or through a registered channel partner.
The term "Insurer" means THE NEW INDIA ASSURANCE CO. LTD & BAJAJ ALLIANZ GENERAL ASSURANCE CO LIMITED currently or any other private or public sector insurance company going ahead.
DESCRIPTION OF SERVICESThe website offers services to its normal and subscribed users. The subscribed users are entitled to additional benefits when compared with normal users.
Services available to all users (subscriber & normal):
Additional benefits to subscriber users:
METHOD OF REGISTRATION ON WEBSITE/APP
The user with a valid CERTIFICATE OF INSURANCE whether at the time of first registration or renewal will automatically be treated as a subscribed member and when he logs into the website, it will be driven by his registered mobile number.
The users who are normal users and who do not possess a valid CERTIFICATE OF REGISTRATION shall register by registering on portal and submit information needed by the website to create the profile.
TERMS & CONDITIONS
The insurance benefits made available as part of O-Locker subscription are governed by the terms and conditions of a separate agreement between the subscribed user and the insurer. The certificate of insurance contains major details of coverage, exclusion and what should a certificate holder do in case of claims. However, its recommended that the user acquaint themselves with all terms, conditions, coverage and exclusions by going through the TERMS OF COVERAGE given separately on website.
Following are the terms and conditions of all other services provided to its users by the website.
Terms governing other O-locker services:
www.olocker.in provides the services, under this agreement.
Terms governing the complimentary insurance coverage:Olocker.in facilitates the insurance coverage for the jewellery of the subscribed user which is identifiable with a valid Certificate of insurance generated using our website's functionalities.
The insurance services are provided by the insurer to the subscriber. The insurance benefits are complimentary with subscription to Olocker and are governed by the terms and conditions of a separate agreement between the subscribed user and the insurer.
The terms and conditions of insurance coverage are available separately on our website for ease of subscribers under "TERMS OF COVERAGE" section. We strongly recommend you to go through the same before entering into the insurance contract.
Having gone through the terms and conditions/terms of coverage clause and having entered into contract with insurer you thereby agree and acknowledge that any claim for insurance will be raised on the insurer and payments will be claimed from insurer. Any loss/damage arising in course of such settlement or due to claim rejection is neither the responsibility of www.olocker.in nor it is of the registered channel partner who has paid the subscription on your behalf.
All brands, trademarks which are provided with leaflet and also with the product are not party to the present Insurance Policy, therefore, they cannot be hold responsible for any claim.
The Policy will be applicable only for jewellery which is identifiable with a valid Certificate of insurance generated using our website functionalities and which are:-
Your insurance benefit is based on the information provided by you when you registered for the insurance.
The terms specified in section "terms of coverage" and your certificate of insurance should be read as one document.