"www.securelifevault.com" (hereinafter, the "Website") is owned and operated by Securelifevault Technologies Private Limited, ("Company"), a private limited company incorporated under the Companies Act, 2013.
The term "We", "Us", "Our" shall mean and refer to the website/app and/or the Company, depending on the context.
This Agreement shall cover your usage of the Website as a User, which shall include Customers, Vendors/Partners/Service Providers.
The headings of each section in this Agreement are only for the purpose of organising the various provisions under this Agreement in an orderly manner. These headings shall not be used by either party to interpret the provisions contained under them in any manner. Further, the headings have no legal or contractual value.
We hold the sole right to modify the Terms of Service without prior permission from You or providing notice to You. The relationship creates on You a duty to periodically check the Terms of Service and stay updated on its requirements. If You continue to use the Website or avail any of its services without registration following such change, this is deemed as consent by You to the so amended policies. Your continued use of the Website is conditioned upon your compliance with the Terms of Service, including but not limited to compliance with the Terms of Service even after alterations, if any.
The site/app is India's first ever comprehensive and secure digital vault that helps Users stay organized and protects their legacy for their loved ones.
The website/app shall be a digital vault wherein users may store information such as including but not limited to their personal, financial, legal, insurance related details and online account passwords and share the same with their loved ones.
The users on the website/app shall create an account on the website/app which shall involve a two factor authentication process. The Users shall access their information by logging into their account on the website/app. The Users shall fill in their data under pre-organized categories on the website/app. The website/app contains an exhaustive list of important fields and categories, so that the User shall not miss out on filling any critical information that the User and his/her loved ones would need.
The Clients may assign deputies and emergency deputies to their account and share certain sections of their profile. Clients can choose anyone as their deputy at their discretion (by way of example of deputies can be spouse, any other family member, friends). The deputies may only view those sections which the Client has shared with the deputy. Deputies can also request for access to any specific section and Client can accept/reject the same. If the Client accepts such a request the deputy can view that particular section. Clients may set view access for each section of their profile to their Deputies and can decide which section of their vault is to be shared with whom. Whenever a Deputy views any section of the Client's profile, the Client shall be notified about the same.
"Deputies" may be a family member, relative, trusted friend or financial advisor. "Emergency Deputy" shall be a person chosen by a Client who has access to all the sections of the Client's profile after the "All is well?" check fails. The Client may appoint all of his/her Deputies as Emergency Deputy. Emergency Deputy shall have access to only those sections of the Client's profile that the Client has approved of, until any emergency event. The Emergency Deputy may report emergency which shall trigger the "All is well?" check for the Client. Further Emergency Deputies shall be notified about the Client's subscription expiry on the website/app in order for them to report an emergency, if any.
The Client may set an inactivity period of 1 month, 3 months, 6 months, 9 month or 12 months . The default inactivity period shall be 3 months. If the Client doesn't log into his/her account for the chosen period, an "All is well?" email shall be triggered and sent to the Client's registered email id informing about the inactivity asking him/her to login to confirm if everything is well with the Client. If the Client logs in to the website, the inactivity period shall be reset. In case of failure to login after 3 consecutive attempts, over a period of 15 days, to reach the Client by the website/app, the entire information maintained in the Client's account shall be shared with his/her designated Emergency deputy(s).
In the event the Client does not renew their subscription with the website/app, the Client shall be given a grace period of 30 days and the Client may only view his/her vault on the website/app during such grace period. The Deputies may still access the Client's vault based on the access level set by the Client. Emergency Deputies shall be notified about the subscription expiry so that they may report emergency, if any, by accessing the "Report Emergency" button. On expiry of the 30 day grace period the Client and the Deputies shall lose complete access to the Client's vault on the website/app. The Client shall only have access to "Account setting", wherein he/she may delete his/her vault information. Even if the Client deletes his/her profile, the data may still be stored in the server for certain duration of time before it is completely removed from the website's database.
Further there shall be an additional charge for extra data storage i.e. Rs. 199 per 500MB of additional data and the charges may be altered by the Company at its sole discretion. The Client's access to his/her vault shall be stopped if the data limit is exceeded or if the Client does not pay for the additional data.
The Emergency Deputy may also trigger an emergency event notification. An email shall be sent to the Client about such an emergency and a notification may also be sent to the Client's account's notification bar. The Client shall login to his/her account and reject the claim, if there is no emergency. In case of failure to login and reject the claim after 3 consecutive attempts, over a period of 15 days, to reach the Client, the entire information maintained in the Client's account shall be shared with the Emergency Deputy(s).
Clients shall get one year extra subscription for every 3 successful referrals made by such a Client to the website. Successful referral shall mean a referred user pays the subscription fee and subscribes to the website/app.
Partners shall be such Users who help the website/app acquire more Clients by referring such Clients to the website/app. Such Partners may include but are not limited to insurance agents and financial advisors. Such Partners shall register on the website by creating an account and shall start referring Clients to the website/app.
Partners shall earn 10% of the total subscription amount for every successful Client referral i.e. payment of subscription fee by the Client and subscription to the services of the website. The commission % may be changed by the Company, at its sole discretion, and the same may or may not be notified to the Partner/s. Further such commission may be changed to a flat commission fee instead of a % of the total subscription amount.
Partners may refer other partners to the website/app and earn 10% of the total earning from all the partners they refer and such earnings shall be restricted to only one level and not multi-level referrals.
Partners may withdraw their earnings to their Paytm wallet at any time. In the event a Partner does not have a Paytm wallet she/she has to create one and update the correct mobile number on his/her dashboard. Withdrawals of earning done to a wrong mobile number shall not be reversed. Further TDS @ 5% on the Partner's earnings shall be deducted and deposited to IT department against the Partner's PAN number. The Partner shall ensure that the PAN number entered in the website/app is correct, otherwise the Partner may not get the TDS benefit in his/her income tax filing or he/she may be charged TDS @ 20%.
Registration is not mandatory for the purposes of accessing, browsing and viewing certain sections of the Website/App. However, in order to purchase our services the user shall have to register on the website/app. Users shall register themselves by filling the registration form and may login with their Facebook, Google or LinkedIN accounts.
You are solely responsible for protecting the confidentiality of your username and password and any activity under the account will be deemed to have been done by you. In the event you provide us with false/inaccurate details or the Company has a reasonable ground to believe that false and inaccurate information has been furnished, we hold the right to permanently suspend your account.
Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use the Site.
The Company grants you no sub-license, whether limited or not, to access and make personal use of the Site, and not to download (other than page caching) or modify it or any portion of it, except with express written consent of the Company. You are not permitted any resale or commercial use of the Site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Site or its contents; any downloading or copying of information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. Any portion of the Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of the Company. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Website or of the Company and/or its affiliates without the express written consent of the Company. You may not use any meta tags or any other "hidden text" utilizing the Company's name or trademarks without the express written consent of the Company. You shall not attempt to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site or to any server, computer, network, or to any of the services offered on or through the Site, by hacking, 'password mining' or any other illegitimate means.
You hereby agree and undertake not to host, display, upload, modify, publish, transmit, update or share any information which:
This includes contacting you through information received through other parties. The use of this website is also your consent to receive SMS from Us at any time we deem fit. We will be using Third Party SMS gateway to verify customer mobile number, subscription status and to send promotional messages. This consent to be contacted is for purposes that include and are not limited to clarification calls and marketing and promotional calls. The user can opt out from such communication and/or newsletters either by unsubscribing on the Website itself, or by contacting the customer services team and placing a request for unsubscribing by sending an email to email@example.com.
You may also be contacted by Service Providers with whom we have entered into a contract in furtherance of our rights, duties and obligations under this document and all other policies followed by Us. Such contact will be made only in pursuance of such objectives, and no other calls will be made.
The services available on the website/app shall require payment of fees. You agree to pay the Company the amount that is specified in the payment plan in accordance with the terms of such plan and this Terms of Service. Any and all fees and charges shall be prepaid by you and are nonrefundable. The Company reserves the right to change its price list and to institute new charges at any time. Your continued use of the Service after the price change becomes effective constitutes your agreement to pay the changed amount.
Clients shall pay subscription fee @ Rs. 499 per year. Further there shall be an additional charge for extra data storage @ Rs. 199 per 500 MB of additional data. Partners shall earn commission on the revenue they bring in.
One or many of the following payment options are available on the Website/App:
As prescribed by the financial institutions issuing the credit or debit cards affiliated with Visa / Master Card / Amex, the User will be required to submit his/her 16-digit card number, card expiry date and 3-digit CVV number (usually on the reverse of the card) while making an online transaction. You represent and warrant to the Company that such information is true and that you are authorized to use the payment instrument. The User must also have enrolled his/her card with VBV (Verified by Visa), MSC (MasterCard Secure Code) or any other applicable provider in order to complete the transaction. You shall keep your account information up to date at all times. The User is hereby expressly made aware that his/her card statements will reflect that a payment has been made in favour of the Company.
You authorize the Company to bill your payment instrument in advance on a periodic basis in accordance with the terms of the applicable payment plan you select until you terminate your account, and you further agree to pay any charges so incurred. If you dispute any such charges you must let the Company known within sixty (60) days of the same. You may cancel your account and/or your use of and access to any services at any time. You must cancel your use of and access to any premium services before the start of a new renewal period to avoid having the next period’s fees billed to your credit card.
The User is further aware that in case of third party statements, including bank and credit card statements, the merchant name may appear in an abbreviated format, and the Company has no control over the same. To successfully subscribe on the Website, the User is required to complete the transaction by making the payment for the services opted for.
You are a restricted user of this website.
You shall not engage in advertising to, or in solicitation of, other Users of the Website to buy or sell any products or services, including, but not limited to, products or services related to that being displayed on the Website or related to us. You may not transmit any chain letters or unsolicited commercial or junk email to other Users via the Website. It shall be a violation of these Terms of Service to use any information obtained from the Website in order to harass, abuse, or harm another person, or in order to contact, advertise to, solicit, or sell to another person other than Us without Our prior explicit consent. We can (and You hereby expressly authorize Us to) disclose any information about You to law enforcement or other government officials, as we, in our sole discretion, believe it necessary or appropriate in connection with the investigation and/or resolution of possible crimes, especially those that may involve personal injury. In order to protect Our Users from such advertising or solicitation, We reserve the right to restrict the number of messages or emails which a user may send to other Users in any 24-hour period which We deem appropriate in our sole discretion. You understand that We have the right at all times to disclose any information (including the identity of the persons providing information or materials on the Website) as necessary to satisfy any law, regulation or valid governmental request. This may include, without limitation, disclosure of the information in connection with investigation of alleged illegal activity or solicitation of illegal activity or in response to a lawful court order or subpoena.
We have no obligation to monitor the materials posted on the Website. We shall have the right to remove or edit any content that in its sole discretion violates, or is alleged to violate, any applicable law or either the spirit or letter of these Terms of Service. Notwithstanding this right, YOU REMAIN SOLELY RESPONSIBLE FOR THE CONTENT OF THE MATERIALS YOU POST ON THE WEBSITE AND IN YOUR PRIVATE MESSAGES. In no event shall We assume or have any responsibility or liability for any Content posted or for any claims, damages or losses resulting from the use of Content and/or appearance of Content on the Website. You hereby represent and warrant that You have all necessary rights in and to all Content which You provide and all information it contains and that such Content shall not infringe any proprietary or other rights of third parties or contain any libelous, tortuous, or otherwise unlawful information.
The Company, its suppliers and licensors expressly reserve all intellectual property rights in all text, programs, products, processes, technology, images, content and other materials which appear on the Site. Access to or use of the Site does not confer and should not be considered as conferring upon anyone any license to the Company or any third party's intellectual property rights. All rights, including copyright, in and to the Site are owned by or licensed to the Company. Any use of the Site or its contents, including copying or storing it or them in whole or part is prohibited without the permission of the Company.
You may not modify, distribute or re-post anything on the Site for any purpose. The names and logos and all related product and service names, design marks and slogans are the trademarks/service marks of the Company, its affiliates, its partners or its suppliers/service providers. All other marks are the property of their respective owners. No trademark or service mark license is granted in connection with the materials contained on the Site. Access to or use of the Site does not authorize anyone to use any name, logo or mark in any manner. References on the Site to any names, marks, products or services of third parties or hypertext links to third party sites or information are provided solely as a convenience to you and do not in any way constitute or imply the Company's endorsement, sponsorship or recommendation of the third party, the information, its product or services.
The Company is not responsible for the content of any third party sites and does not make any representations regarding the content or accuracy of material on such sites. If you decide to access a link of any third party websites, you do so entirely at your own risk and expense.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
THE WEBSITE, SERVICES AND OTHER MATERIALS ARE PROVIDED BY THIS WEBSITE IS ON AN "AS IS" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL HAVE NO LIABILITY RELATED TO USER CONTENT ARISING UNDER INTELLECTUAL PROPERTY RIGHTS, LIBEL, PRIVACY, PUBLICITY, OBSCENITY OR OTHER LAWS. WE ALSO DISCLAIM ALL LIABILITY WITH RESPECT TO THE MISUSE, LOSS, MODIFICATION OR UNAVAILABILITY OF ANY USER CONTENT.
THE USER UNDERSTANDS AND AGREES THAT ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE WEBSITE IS DONE ENTIRELY AT HIS/HER OWN DISCRETION AND RISK AND HE/SHE WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO HIS/HER COMPUTER SYSTEMS OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL OR DATA. WE ARE NOT RESPONSIBLE FOR ANY TYPOGRAPHICAL ERROR LEADING TO AN INVALID COUPON. WE ACCEPT NO LIABILITY FOR ANY ERRORS OR OMISSIONS, WITH RESPECT TO ANY INFORMATION PROVIDED TO YOU WHETHER ON BEHALF OF ITSELF OR THIRD PARTIES.
WE SHALL NOT BE LIABLE FOR ANY THIRD PARTY PRODUCT OR SERVICES. THE ADVERTISEMENT AVAILABLE ON E-MAIL OR WEBSITE WITH RESPECT TO THE THIRD PARTY WEBSITE OR THE PRODUCTS AND SERVICES ARE FOR INFORMATION PURPOSE ONLY.
USERS SHALL BE SOLELY RESPONSIBLE FOR CHOOSING THEIR EMERGENCY DEPUTIES AS SUCH EMERGENCY DEPUTIES MAY HAVE COMPLETE ACCESS TO THE USERS’S VAULT IN CASE OF INACTIVITY OR REPORTED EMERGENCY. USERS SHALL CHOOSE ONLY TRUSTED AND CLOSE ASSOCIATES. FURTHER USERS SHALL TAKE UTMOST CARE IN DECIDING WHICH SECTION OF THEIR VAULT IS SHARED WITH WHOM. ANY INFORMATION SHARED / LEAKED TO OR THROUGH THE USER’S DEPUTIES / EMERGENCY DEPUTIES SHALL BE THE COMPLETE RESPONSIBILITY OF THE USER AND THE COMPANY/WEBSITE SHALL NOT BE LIABLE AND RESPONSIBLE FOR THE SAME.
FURTHER THE USERS AGREE AND ACKNOWLEDGE THAT DUE TO ANY TECHNICAL ISSUES SUCH AS INCLUDING BUT NOT LIMITED TO BUGS AND MALFUNCTION OF WEBSITE/APP, IF THE USER'S DATA BECOMES PUBLIC OR IS SHARED WITH ANY UNINTENDED USERS/THIRD PARTIES, THE COMPANY SHALL NOT BE RESPONSIBLE AND LIABLE FOR THE SAME, ALTHOUGH THE COMPANY SHALL TAKE ALL REASONABLE CARE TO PROTECT THE USERS’ DATA. MOREOVER, THE COMPANY SHALL NOT BE RESPONSIBLE AND LIABLE FOR ANY DATA THEFT BY ANY WEBSITE/SERVER HACKING INTO THE WEBSITE/USER’S ACCOUNT, ALTHOUGH THE COMPANY SHALL TAKE ALL REASONABLE CARE TO PROTECT THE USERS’ DATA.
YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS THIS WEBSITE/COMPANY INCLUDING BUT NOT LIMITED TO ITS AFFILIATE VENDORS, AGENTS AND EMPLOYEES FROM AND AGAINST ANY AND ALL LOSSES, LIABILITIES, CLAIMS, DAMAGES, DEMANDS, COSTS AND EXPENSES (INCLUDING LEGAL FEES AND DISBURSEMENTS IN CONNECTION THEREWITH AND INTEREST CHARGEABLE THEREON) ASSERTED AGAINST OR INCURRED BY US THAT ARISE OUT OF, RESULT FROM, OR MAY BE PAYABLE BY VIRTUE OF, ANY BREACH OR NON-PERFORMANCE OF ANY REPRESENTATION, WARRANTY, COVENANT OR AGREEMENT MADE OR OBLIGATION TO BE PERFORMED BY YOU PURSUANT TO THESE TERMS OF SERVICE. FURTHER, YOU AGREE TO HOLD US HARMLESS AGAINST ANY CLAIMS MADE BY ANY THIRD PARTY DUE TO, OR ARISING OUT OF, OR IN CONNECTION WITH, YOUR USE OF THE WEBSITE, ANY CLAIM THAT YOUR MATERIAL CAUSED DAMAGE TO A THIRD PARTY, YOUR VIOLATION OF THE TERMS OF SERVICE, OR YOUR VIOLATION OF ANY RIGHTS OF ANOTHER, INCLUDING ANY INTELLECTUAL PROPERTY RIGHTS.
IN NO EVENT SHALL WE, OUR OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS OR SUPPLIERS BE LIABLE TO YOU, THE VENDOR OR ANY THIRD PARTY FOR ANY SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES WHATSOEVER, INCLUDING THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT FORESEEABLE OR WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR BASED ON ANY THEORY OF LIABILITY, INCLUDING BREACH OF CONTRACT OR WARRANTY, NEGLIGENCE OR OTHER TORTIOUS ACTION, OR ANY OTHER CLAIM ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR ACCESS TO THE WEBSITE, SERVICES OR MATERIALS.
THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
This User Agreement is effective unless and until terminated by either you or the Company. You may terminate this User Agreement at any time, provided that you discontinue any further use of the Website. The Company may terminate this User Agreement at any time and may do so immediately without notice, and accordingly deny you access to the Site.
Such termination will be without any liability to the Company. The Company's right to any Comments and to be indemnified pursuant to the terms hereof, shall survive any termination of this User Agreement. Any such termination of the User Agreement shall not cancel your obligation to pay for product(s) already ordered from the Site or affect any liability that may have arisen under the User Agreement prior to the date of termination.
All disputes involving but not limited to rights conferred, compensation, refunds, and other claims will be resolved through a two-step Alternate Dispute Resolution mechanism.
If the dispute cannot be resolved by this two-step Alternate Dispute Resolution mechanism, it shall be referred to the courts at Bengaluru, Karnataka, India.
If you have any questions about this Agreement, the practices of, or your experience with the Service, you can e-mail us at firstname.lastname@example.org.