Terms of Use

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE:
If you do not agree with each term of use specified herein, you are not granted permission to use the site and must exit this site immediately.

The following terms and conditions ("Conditions of Use"), in addition to site rules which may be provided on this site, govern your use of this Web site. By accessing, viewing, or using any material or content on the site, you agree that you understand and intend all obligations in this Terms of Use to be binding WITHOUT LIMITATION OR QUALIFICATION.

 

The term "you" refers to you as an individual person and, in the case of a company or other business entity, that business entity and you as a person authorized by that business entity to enter into and bind the business entity to these Terms of Use, as well as any site Rules.

The terms "we," "us," "our" or "Metlife AIG ANB" refer to Metlife AIG ANB.

"PAYMENT GATEWAY" refers to the facility offered by Metlife AIG ANB at its website www.metlifeaiganb.com which provides to the User facility to pay through its own credit or debit, premium of the insurance policy purchased from anb insurance and such other services as MetLife AIG ANB may decide to provide from time to time. For the purpose of availing payment gateway, the User would need to be a current Internet user or have legal access to the Internet. anb insurance will advise from time to time the Internet software such as browsers which are required for using payment Gateway. There will be no obligation on Metlife AIG ANB to support all the versions of these Internet software

CONDITIONS OF USE

BY USING THIS WEBSITE, YOU ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.

DISCLAIMER

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND METLIFE AIG ANB. AND ITS SUBSIDIARIES AND AFFILIATES (COLLECTIVELY, "Metlife AIG ANB") DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. METLIFE AIG ANB DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. METLIFE AIG ANB DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT Metlife AIG ANB) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.

THIS WEBSITE MAY BE LINKED TO OTHER WEBSITES WHICH ARE NOT MAINTAINED BY METLIFE AIG ANB. METLIFE AIG ANB IS NOT RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY anb insurance OF THE WEBSITES OR THE CONTENT THEREOF.

LIMITATION OF LIABILITY While Metlife AIG ANB uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, anb insurance makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall anb insurance or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Metlife AIG ANB or a Metlife AIG ANB authorized representative has been advised of the possibility of such damages. In no event shall anb insurance's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

Metlife AIG ANB also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

ACCURACY DISCLAIMER: PLEASE NOTE THAT THE CONTENT OF THIS WEBSITE IS INTENDED FOR INFORMATION ONLY. THE my Metlife AIG ANB WEBSITE MAKES NO GUARANTEE OF ACCURACY OF ANY OF THE INFORMATION CONTAINED HEREIN. WHILE EVERY EFFORT WILL BE MADE TO KEEP THE DATA ACCURATE AND UP-TO-DATE.

RESTRICTIONS ON USE OF MATERIALS

This website is owned and operated by anb insurance. Except as otherwise expressly permitted by anb insurance, no materials from this website or any website owned, operated, licensed or controlled by anb insurance may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without anb insurance's written permission. Metlife AIG ANB neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

JURISDICTIONAL ISSUES

Unless otherwise expressly set forth herein, anb insurance makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by Metlife AIG ANB. No security, insurance product or other product or service is offered or will be sold by Metlife AIG ANB or, if sold by Metlife AIG ANB, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

OWNERSHIP OF INFORMATION

Any information, other than personal data or information, you transmit to Metlife AIG ANB via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Metlife AIG ANB. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Metlife AIG ANB is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Metlife AIG ANB via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTSAll trademarks, services marks, trade names, logos, and icons are proprietary to anb insurance. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Metlife AIG ANB. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, anb insurance. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by anb insurance. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

SOFTWARE LICENSES

You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Metlife AIG ANB does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.

ELECTRONIC SIGNATURES

As part of the services provided by myinsurance, you may be given the option to sign certain communications electronically by either checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking the appropriate box or engaging in the online electronic signature process, you are providing your electronic signature and agree to be bound by the terms and conditions of such communication just as if you had signed your name to a paper document.

ONLINE PREMIUM PAYMENT

DISCLAIMER

Payment towards Top up / Dump in premiums should not be made online.

The payment of renewal premium is permitted only by a policyholder for a policy purchased by him. No third party payment of renewal premium is permitted.

While processing transactions for cards, there could be a currency conversion done by the policy holder's card issuing bank on the amount of the premium payment being made by the policy holder. This may result in an additional charge levied by the policy holder's issuing bank on the transaction to cover any currency fluctuations. This could apply to the processing of the premium payment, refunds or chargeback's pertaining to cards.

Metlife AIG ANB shall not be responsible, directly or indirectly, for any consequences arising out of misuse of the card or for any loss/es sustained due to currency rate fluctuation while processing charge back. Any loss on account of currency rate fluctuation shall be borne by the card holder.

Applicability of Terms : These Terms form the contract between the User and anb insurance for the use of the internet Payment Gateway. Either expressly as indicated above or by using the Payment Gateway for the first time, the User acknowledges and accepts these Terms. Notwithstanding anything contained herein, all terms and conditions stipulated in the Policy shall continue to apply.

Unauthorized Access : The User shall take all necessary precautions to prevent unauthorized and illegal use of payment gateway and therefore shall not disclose the details of its credit or debit card details to any other person to prevent its unauthorized use.

Maintenance Of Sufficient Balance : The User shall ensure that there are sufficient funds (or prearranged credit facilities) in its credit card or bank Account for payment of premium through the payment gateway and anb insurance shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds and/or credit facilities.

Accuracy of Information and Instructions : The User is responsible for the correctness of information supplied to anb insurance for use of the Payment Gateway. Metlife AIG ANB accepts no liability for the consequences arising out of erroneous information supplied by the User. If the User notices an error in the information supplied to anb insurance either in the website or any other communication, he shall immediately advise Metlife AIG ANB which will endeavor to correct the error wherever possible on a "reasonable efforts" basis. The User is also responsible for the accuracy and authenticity of the instructions provided to anb insurance and/or Service provider and the same shall be considered to be sufficient to operate the payment gateway.

Metlife AIG ANB shall have no liability or obligation to independently verify the instructions or the authenticity of any transaction from the User. anb insurance shall not have any liability or obligation to keep a record of the instructions to provide information to the User or for verifying User's instructions. Metlife AIG ANB may refuse to comply with the instructions without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any instruction and have the right to suspend the operations through the payment gateway if it has reason to believe that the User's instructions will lead or expose to direct or indirect loss or may require an indemnity from the User before continuing to operate the Payment Gateway.

Liability of the User and anb insurance : Neither anb insurance nor the service providers shall be liable for any unauthorized transactions occurring through the Payment Gateway and the User hereby fully indemnifies and holds Metlife AIG ANB and the service providers harmless against any action, suit, proceeding initiated against it or any loss, cost or damage incurred by it as a result thereof. anb insurance shall under no circumstance be held liable to the User if the Payment Gateway is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of Metlife AIG ANB. Under no circumstances shall Metlife AIG ANB be liable for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the User or by any other person. Illegal or improper use of the Payment Gateway shall render the User liable for payment of financial charges as decided by anb insurance or will result in suspension of the operations through the Payment Gateway.

Indemnity : In consideration of Metlife AIG ANB providing the User the Payment Gateway, the User shall indemnify and hold Metlife AIG ANB and/or its service providers, as the case may be, including both their officers, employees and agents, indemnified against all losses and expenses on full indemnity basis which Metlife AIG ANB may incur, sustain, suffer or is likely to suffer in connection with Metlife AIG ANB or its service providers' execution of the User's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing a service through Payment Gateway for any action taken or omitted to be taken by Metlife AIG ANB and /or the service providers, its officers, employees or agents, on the instructions of the User.

The User will pay Metlife AIG ANB and /or the service providers such amount as may be determined to be sufficient to indemnify it against any such, loss or expenses even though they may not have arisen or are contingent in nature.

Non-Transferability : The grant of Payment Gateway to a User is not transferable under any circumstance and shall be used only by the User.

Termination of Payment Gateway facility : Metlife AIG ANB may at its sole discretion suspend or terminate the payment gateway facility at any time for any reason. The User will remain responsible for any transactions made through the payment gateway until the time of such termination.