USA InsuranceMall - Licenses and Disclaimer
Welcome to the InsuranceMall
- http://USA.InsuranceMall.in
, A compare & BuyNow Insurance Portal for your next purchase of
Travel, Students, Visitors, Schengen Visa, Dental and & Health
insurance policies. The InsuranceMall website is being powered by
Bonsai America, Inc (BAI). A New Jersey , USA based Insurance Broking
Firm with License # 1115327. The National Producer No is 9376088. BAI
is a subsidiary company of Bonsai International Group (BIG), Mumbai ,
INDIA . The insurance services and products described on this web site are only for persons in those counties ; states ; countries
and jurisdictions where such products and services may legally be sold.
Nothing on this web site shall be considered a solicitation or a
marketing act to buy or an offer to sell any products or services to
any person in any jurisdiction where such offer, solicitation,
marketing, branding, purchase or sale would be unlawful. Not all
insurance products or allied services put on this or sisters / allied
sites are available to all persons in all Counties ; Union Territories
; States, Countries, or other jurisdictions at all times. Certain
restrictions, conditions and eligibility requirements may apply. Please
contact http://USA.InsuranceMall.in for question related to eligibility.
Before
purchasing the any insurance policy, make sure you understood and gone
through the eligibility purchase criteria, terms and conditions of the
governing policies or coverages.
If
you are a United States citizen or resident there may be certain
additional restrictions or conditions may applicable for the purchase
eligibility requirements by your state. Please review the evidence of
Coverage?s, Exclusions and Plan Contract (Policy) for a detailed
description of eligibility criteria, Coverage Benefits, Limitations and
Exclusions. You are strongly advised to read the Policy Brochure and
Plan Details for complete and accurate details. Only the Terms and
Conditions explicitly mentioned of Coverage Benefits listed in the
Insurance policy are binding by the Insurance Companies. You agree to
indemnify http://USA.InsuranceMall.in
or Bonsai America and its affiliates, employees, agents and
representatives, and to hold them harmless from any and all claims and
liabilities (including reasonable attorneys' fees) that may arise from
or as a result of your use of this website and services.
InsuranceMall
materials and information are provided "As Is". Please read all
exclusions carefully before buying your choice Insurance Policy. By
using the InsuranceMall Website (?Site?), you agree to be bound by
these Terms of Use. If you do not agree with any part of these Terms of
Use, you must not use the Site. Your continued use of the Site will
constitute your acceptance of these Terms of Use, as may be modified by
InsuranceMall at any time without notice to you.
There are no warranties expressed or implied by this website. Materials on http://USA.InsuranceMall.in are provided for research and comparison purposes only. InsuranceMall.in does not recommend or endorse any particular insurance company. http://USA.InsuranceMall.in
or Manish K. Jaiswal assumes no liability for the accuracy of the
information provided herein. We make every effort to provide the
highest quality material on http://USA.InsuranceMall.in but because of the technology involved we may at times encounter technical difficulties or inaccuracy. http://USA.InsuranceMall.in insurance comparison and shopping services is a free service provided by Bonsai America, Inc. to help consumers shop for insurance, and all disclaimers herein apply. Insurance requested through http://USA.InsuranceMall.in is transacted through Manish K. Jaiswal a
life & Health insurance agent / independent Broker or through
marketing link of licensed agents . Access to products and carriers are
available through Bonsai America, Inc.
Limitation of Liability
To
the fullest extent permissible under applicable law, in no event shall
InsuranceMall or Manish K. Jaiswal, be liable to you for damages of any
kind whatsoever including, but not limited to, direct, indirect,
consequential, special, incidental, including without limitation, lost
profits or damages resulting from lost data or business interruption,
or punitive damages of any kind whatsoever that may result from your
use of or inability to use this web site or the materials or services
provided on this web site or the products or services received from
this web site. Exemptions of implied warranties may not be allowed in
all jurisdictions. In such case, in no event shall Bonsai America?s
total liability to you for all damages, losses, and causes of action
exceed the amount paid by you, if any, for accessing this web site.
It is your responsibility to evaluate your needs for insurance and the accuracy of the information we provide. http://USA.InsuranceMall.in
or Manish K. Jaiswal or Bonsai America, Inc. does not render any
information contained as legal, professional, tax, or other advice. A
tax or legal advisor may be necessary in evaluating your personal
situation.
Service Marks
"InsuranceMall"
is a registered service mark of Bonsai International Group (BIG, HQ
INDIA ), the Holding Company of Bonsai America, Inc. Other service
names presented on this site are service marks of Bonsai Group, except
for those of insurance carriers, brokers, agents, industry
organizations, service providers and educational institutions, which
are service marks of their respective entities.
Access restriction
We
reserve the right to deny to you, at our sole discretion, access to the
Web Site, including any portion thereof, without any prior notice.
Permitted Use
InsuranceMall
operates an online insurance marketplace that enables consumers to
comparison shop online and to obtain insurance company-sponsored quotes
for a variety of insurance products, including Health, Travel, Visitor,
Life and Ticket Insurance. While quotes obtained through
InsuranceMall?s online are provided to consumers free of charge, Bonsai
America, Inc. earn revenues from participating insurance careers or
licensed agents based on the delivery of consumer leads. Because of
this, all of the content in the Site is made available only for your
personal, lawful, non-commercial use in connection with seeking
insurance quotes and insurance related information. Unless agreed to in
writing by InsuranceMall, use of the Site by any competitor company or
other non-consumer third party is strictly prohibited. Additionally,
you may not, without our prior written permission: (i) link from
another Website to the Site; (ii) post, transmit, copy, modify, create
derivative works from, distribute, sell, or republish anything you
obtain or download from the Site; or (iii) engage in systematic
retrieval of data or other content from the Site.
Copyrights and Intellectual Property Rights (IPR)
All
content included on this site, e.g. Logos, Page-Flows, Look & Feel,
text, graphics, button icons, images, audio clips, content, digital
downloads, data compilations, Compare & Buy Options and associated
customized software, is the sole property of the Company and is
protected by United States and international copyright laws. The
compilation of all content on this site is the exclusive property of
the Bonsai America, Inc or the Bonsai Group and is protected by United
States and India copyright laws. All software used on this site or link
in sites are the property of the Company or its software suppliers and
protected by United States and Indian copyright laws.
As
per our company policy, we shall respond to delivered notices of
alleged infringement that comply with the Digital Millennium Copyright
Act. Persons or Organization, who believe that their copyrights or
other intellectual property rights have been infringed via our service
should contact us immediately through a written communication. All
notices must comply with the requirements of U.S. Copyright Act and
regulations promulgated therein, as amended or Indian Copy Right Acts.
Please indicate the specific content, and web site URL or location of
the content with specific details. Please note you may be liable for
damages including attorney expenses if you materially misrepresent that
an activity is infringing copyright.
Foreign Jurisdiction
http://USA.InsuranceMall.in
or Bonsai America accepts no liability whatsoever, direct or indirect
for non-compliance with the laws of any country other than that of
India . The mere fact that the Web Site can be accessed by a Visitor or
a Customer in a country other than USA or India would not mean that the
laws of the said country would govern these Terms and/or the Web Site
operations of the Customer and/or the use of the Web Site by the
Visitor or the Customer.
User Conduct
InsuranceMall?s materials and information are provided "Your Acceptance of Terms". You promise NOT to use this website for any of the following purposes or activities:
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conducting or supporting illegal activity of any type whatsoever;
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transmitting or storing worms or viruses or any code of a destructive nature;
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threatening, harassing, abusing, impersonating, injuring or intimidating others;
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interfering
with others' use of this website, unless such interference is for the
purpose of complying with another section of these Terms of Use;
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delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements;
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decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this website;
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disguising the origin of any content transmitted through this website or manipulating your presence on the website; and/or
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causing
the launch of any automated system(s) that accesses this website in a
manner that sends more request messages to servers of the website in a
given period of time than a human can reasonably produce in the same
period by using a conventional on-line web browser.
Copyrights and Trademarks
Except
as otherwise indicated, all materials in the Site, including without
limitation the InsuranceMall logo and other Bonsai Group trademarks and
service marks, are the property of Bonsai International Group (the
Holding Company) and/or its affiliates and are protected by
international copyright and trademark laws, all rights reserved. You
may request to use materials from the Site by contacting Bonsai
International Group, Marketing Department at (201) 792-8924. Any other
use is prohibited.
Limitation of Liability
InsuranceMall
shall not be liable for any loss, damage, injury, or claim, nor any
special, indirect, incidental, consequential, exemplary or punitive
damages of any kind, whether such action is based in tort, contract,
negligence, strict liability, or otherwise and even if InsuranceMall
has been advised of the possibility of such damages, which arises out
of or relates in any way to: (i) the Site, materials in the Site, or
the inability to use the Site; or (ii) any defect, omission, error,
interruption, delay, or computer virus.
Jurisdiction, Enforceability, and Termination
These
Terms of Use and your use of the Site are governed in all respects by
the laws of the State of New Jersey , without giving effect to any
principles of conflicts of laws. Any dispute concerning the Site or
these Terms of Use shall be subject to the exclusive venue of a court
of competent jurisdiction in Hudson County , New Jersey , USA . In the
event that a court of competent jurisdiction holds any provision of
these Terms of Use to be invalid or unenforceable, then such provision
shall be severable from and shall not affect the validity or
enforceability of the remaining provisions.
Privacy Policy
The
information we receive from you is used to provide you with a quote or
application for insurance coverage. The insurance company uses the
information to determine the insurability of each applicant. If you
provide any personally identifying information to us, we want you to
understand the following:
How We Use Your Information
Your
Choice: We may use information you provide on this website to provide
insurance information to you, and we may provide the information to
third parties whom we consider to be trustworthy with the intent that
they provide insurance information to you. Both us, and the third
parties, may use this information for the purpose of offering
additional products and services to you. If you do not wish to receive
offers for additional products or services, you should not provide
personal information or contact information through this site. Also, if
you do provide personal information or contact information, you may
review Section VII. 4., below, which provides you with an opportunity
to opt-out of receiving special offers from
http://USA.InsuranceMall.in or Manish K. Jaiswal or Bonsai America, Inc. or Bonsai Group.
Cookies
A
cookie is a small text file saved on your computer's hard drive and
stored in memory while your browser is running. Cookies make it easier
for a user to navigate the Web, and to complete transactions over the
Internet. Usage of a cookie is in no way linked to any personally
identifiable information while on our site. http://USA.InsuranceMall.in
or Manish K. Jaiswal or Bonsai America, Inc. or Bonsai Group may
contract with certain partners that utilize ad-serving technology. To
gauge the effectiveness of advertisements, a campaign number is
assigned to the vendor for which you came to visit our site. This will
remain on your URL when you return to our site.
Sale of Assets
Sale of http://USA.InsuranceMall.in or Bonsai America, Inc. or Bonsai Group - If in the future, or substantially all of its assets are acquired, the information we collect through this
website from you or other customers, will likely be transferred to the acquiring party. |
Information Release
Unless
you give us permission to do so, or unless law requires us, we do not
willfully use or disclose personally identifiable information to third
parties for any purpose other than described above. We
have security provisions in place to protect your information; however,
no security system is impenetrable. If you feel uncomfortable
submitting any personal information through the InsuranceMall website,
you may call us at 201-792-8924 to obtain Free Insurance Quotes over
the phone.
How to Change Your Information
If you have received a communication from us in error, or if you wish to change your information, please email us at customer.care@insurancemall.in . We'll respond to your inquiry via email, and we'll let you know the action we've taken.
Changes to Bonsai?s Privacy Policy
We
reserve the right to change our privacy policy, and if so, we will post
these changes to this privacy statement and to other relevant places on
our site so that visitors are aware of the change. We encourage you to
check this posted privacy statement for updates.
Marketing Practices
We
work with advertising companies and other marketers to promote our
service. We take every possible step to insure that every company
advertising for us is doing so on a legal and ethical basis. We do not
participate or tolerate any SPAM or Unsolicited Emailing of any kind.
We have a ZERO tolerance policy for SPAM and unethical marketing
practices. Before working with any advertiser we take every possible
step to make sure their email lists have all been generated by people
opting in to receive their offer and that they maintain a "Remove
List". If you believe that you have received one of our emails and you
did not "Opt In" to receive the company?s offers then please forward
the email to customer.care@insurancemall.in and we will take immediate action to resolve the matter.
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Insurance Licenses
InsuanceMall
is a service operated by Bonsai America, Inc., a New Jersey domiciled
company with the principal place of business located at, 425 Washington
Blvd. Suite 2512 , Marbella , Jersey City , New Jersey . USA 07310.
Bonsai America, Inc. is licensed as an Insurance Agent / Broker.
License No ? 1115327 ; National Producer No ? 9256507. We
are currently licensed in the states listed below. If the state you
live in isn't listed, please check back with us soon, as we're
constantly expanding our business to include additional states.
Where indicated below, we're licensed as Bonsai America, Inc. and/or represented by:
Manish K. Jaiswal
425 Washington Blvd. Suite 2512, Marbella , Jersey City, New Jersey. USA 07310 Phone : +1 2017928924 / 6466443049
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| States | License Numbers | | Georgia |
| | Manish K. Jaiswal | 805538 | | Illinois | | | Manish K. Jaiswal | Available on request | | Missouri |
| | Manish K. Jaiswal | PR397584 | | New Jersey |
| | Manish K. Jaiswal | 1109463 | | Bonsai America, Inc. | 1115327 | | New York |
| | Manish K. Jaiswal | LA - 1061985 | | Texas | | | Manish K. Jaiswal | 1454708 |
| Washington |
| | Manish K. Jaiswal | 2847923 | | Delaware |
| | Manish K. Jaiswal
Virginia
Manish K. Jaiswal Available on request
| 1061437
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MISCELLANEOUS
These
Terms of Use, and the agreement they create, shall be governed by and
interpreted according to the laws of the State of New Jersey , without
giving effect to NJ?s conflict of laws principles. If any provision of
this agreement is unlawful, void or unenforceable, it shall not affect
the validity and enforceability of any remaining provisions. We may
modify these Terms of Use at any time, simply by updating this posting
or the information on this website and without notice to you.
Customer Service
Call 201-792-8924
Enforceability
If
any part of these Terms and Conditions is unlawful, void, or
unenforceable, that part will be deemed severable and will not affect
the validity and enforceability of any remaining provisions and the
invalid provision or portion thereof shall be deemed omitted and the
remaining terms shall be given full force and effect.
Entire Agreement
This
agreement is the complete and entire agreement between the parties and
supersedes any prior agreement, whether written or oral. If you become
dissatisfied in any way with this website or its terms and conditions,
or if you do not agree to the terms and conditions contained herein
your sole and exclusive remedy is to return the printed documents and
stop using this website and its services immediately.
Force Majeure
Service
Providers shall not be liable for any failure to perform any of its
obligations if the performance is prevented, hindered or delayed by a
Force Majeure event (defined below) and in such case its obligations
shall be suspended for so long as the Force Majeure Event continues
(provided that this shall not prevent the accrual of interest on a
principal amount which would have been payable but for this provision).
?Force
Majeure Event? means any event due to any cause beyond the reasonable
control of the Party, including, without limitation, unavailability of
any communication system, sabotage, fire, flood, explosion, acts of
God, civil commotion, strikes or industrial action of any kind, riots,
insurrection, war or acts of government.
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