employee.benefitsyou.com
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13.127.87.233
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Submitted URL: https://p4qmmx8y.r.ap-south-1.awstrack.me/L0/https:%2F%2Femployee.benefitsyou.com%2Flogin.aspx%3Fgroupcode=ABSPLN/1/01090193de878b2c-23612...
Effective URL: https://employee.benefitsyou.com/login.aspx?groupcode=ABSPLN
Submission: On December 19 via manual from US — Scanned from IS
Effective URL: https://employee.benefitsyou.com/login.aspx?groupcode=ABSPLN
Submission: On December 19 via manual from US — Scanned from IS
Form analysis 1 forms found in the DOM
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<div id="logo1">
<div class="row">
<div class="col-6 col-6 col-12 col-12" style="">
<img src="images/logoImg/Benefits_You_Word_logo.svg" height="30" style="margin-left: -5px;">
</div>
<div class="col-6 col-6 col-12">
<img src="mybenefits/images/clientlogos/1857/defaultimage.jpg" id="imgClientlogo" class="pull-right logo-client hidden-xs hidden-sm" height="40" style="display:block;">
</div>
</div>
</div>
<h2 class="loginWelcomeMessage" style="margin-top: 30px !important;">Welcome to Benefits You (India) Employee module</h2>
<p>This is the Employee module of Benefits You (India) where employees can complete their enrollments and access various EH&B service offerings available. This is a monitored site. Do not attempt to login if you are not an authorized user</p>
<h3 id="hlogin" style="display: block;" class="font-DarkBlue-color">Log in to your account</h3>
<div class="clearfix"></div>
<input type="hidden" name="hdngroupName" id="hdngroupName" value="Altisource Business Solutions Pvt. Ltd New">
<input type="hidden" name="hdngroupchildsrno" id="hdngroupchildsrno" value="2804">
<div id="divUsername" class="row" style="display:flex;">
<div class="col-sm-6 col-12">
<div class="form-group form-md-line-input form-md-floating-label" id="usernameCntr">
<input name="txtUsername" type="text" id="txtUsername" class="form-control edited" tabindex="3" maxlength="75" onkeypress="removeError(this);checkSignInKeyCode(event); return Disable_Space();" onkeyup="removeSpaces()">
<label id="lblUsername" for="txtUsername">Username</label>
<span id="spnUsername" class="help-block">Enter Username</span>
<span id="lblweburlusername" style="display: none; color: red;"></span>
</div>
</div>
<div class="col-sm-6 col-12">
<div class="form-group form-md-line-input form-md-floating-label input-icon right" id="passwordCntr">
<i class="fa fa-eye" style="display: none" onmousedown="showPassword()" onmouseup="hidePassword()" onmouseout="hidePassword()"></i>
<input name="txtPassword" type="password" id="txtPassword" class="form-control edited" tabindex="4" maxlength="75"
onkeypress="removeError(this);checkSignInKeyCode(event);checkEyeBtn(event);CheckBackspaceEvent(event); return Disable_Space();">
<label id="lblPassword" for="txtPassword">Password</label>
<span id="spnPassword" class="help-block">Enter Password</span>
<span id="lblweburlpassword" style="display: none; color: red;"></span>
</div>
</div>
<div id="captchaCntr" class="col-sm-12 captchaCntr text-center" style="display:none;">
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<div style="margin-bottom: 5px;">Resolve captcha below</div>
<div style="display: flex">
<div id="captcha" class="sameHeight captchaBGCntr"><canvas id="captcha" width="100" height="40"></canvas></div>
<div class="sameHeight" style="vertical-align: middle; align-items: center; display: flex;">
<input type="text" class="form-control input-small" style="padding: 10px" id="cpatchaTextBox" maxlength="6">
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</div>
</div>
</div>
</div>
</div>
<div id="SDJMUsername" class="row" style="display:none;">
<div class="col-sm-6">
<div class="form-group form-md-line-input form-md-floating-label" id="SDJMusernameCntr">
<input name="SDJMmobileNumber" type="text" id="SDJMmobileNumber" class="form-control edited" tabindex="3" maxlength="10" onkeyup="removeSpaces()" onkeypress="return isNumber(event)">
<label id="Label1" for="txtUsername">Mobile Number</label>
<span id="Span1" class="help-block"></span>
</div>
<span id="spnSDJMUerror" style="display: none; color: red;"></span>
</div>
</div>
<div id="SDJMRequestOTP" class="col-sm-12 text-right" style="display:none;">
</div>
<div id="SDJMOTP" class="row" style="display: none;">
<div class="col-sm-6">
<div class="form-group form-md-line-input form-md-floating-label" id="SDJMotpCntr">
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<label id="Label2" for="txtUsername">OTP</label>
<span id="Span2" class="help-block"></span>
</div>
<span id="spnSDJMUotperror" style="display: none; color: red;"></span>
</div>
</div>
<div id="SDJMotpValidate" class="col-sm-12 text-right" style="display: none;">
<a id="lnkOtpSubmit" tabindex="7" class="btn btn-colorCombination-common btn-white fw-bold" type="submit" href="javascript:__doPostBack('lnkOtpSubmit','')">
<i class="fa fa-check"></i> Sign In</a>
</div>
<div id="divSubmit" class="row" style="display:flex;">
<div class="col-sm-6">
<div class="rem-password">
<label class="rememberme mt-checkbox mt-checkbox-outline">
<input name="chkRememberme" type="checkbox" id="chkRememberme" value="1" tabindex="5"> Remember me <span></span>
</label>
</div>
</div>
<div class="col-sm-6 text-right">
<div id="divForgetPass" class="forgot-password" style="display:inline-block;">
<a href="javascript:;" id="forget-password1" onclick="ForgetPasswordModuleEnable()" tabindex="6">Forgot Password?</a>
</div>
<a onclick="return valLoginDetails(); return SignInEmptyField();" id="lbtnSubmit" tabindex="7" class="btn btn-colorCombination-common btn-white fw-bold" type="submit" onkeypress="checkSignInKeyCode(event);" href="javascript:__doPostBack('lbtnSubmit','')">
<i class="fa fa-check"></i> Sign In</a>
</div>
<div class="col-12" style="display:none">
<a href="#cantLoginQuery" id="lnkLoginQuery" class="cantLoginBtn font-blue-steel sbold" data-bs-toggle="modal" onclick="resetLoginQuery()">Trouble Logging in<i class="fa fa-question"></i></a>
</div>
</div>
<input type="hidden" name="labletoshow" id="labletoshow" value="8 + 2 = ">
<input type="hidden" name="answertoshow" id="answertoshow" value="10">
<input type="hidden" name="attempt" id="attempt" value="0">
<script type="text/javascript">
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<div class="forget-form" id="divForgetPassmodule" style="display: none;">
<h3 class="font-green">Forgot Password ?</h3>
<div class="form-group form-md-line-input form-md-floating-label" id="forgotPassCntr">
<input name="ucForgotPassword$txtEmployeeIDFrgtPwrd" type="text" id="ucForgotPassword_txtEmployeeIDFrgtPwrd" maxlength="1000" class="form-control" onkeypress="removeError(this)" tabindex="8">
<label for="txtForgotPassword" id="lblForgotPassword">Username</label>
<span class="help-block" id="spnForgotPassword">Enter your Username</span>
</div>
<div class="form-actions margin-top-20">
<button type="button" id="back-btn" class="btn green btn-outline" onclick="ForgetPasswordDisable();"><i class="fa fa-chevron-left"></i> Back</button>
<a onclick="return valForgotPassword();" id="ucForgotPassword_btnForgetPass" tabindex="9" class="btn btn-md green ladda-button pull-right" data-style="expand-right" data-loading-text="Loading..." href="javascript:__doPostBack('ucForgotPassword$btnForgetPass','')"><span class="ladda-label"><i class="fa fa-check"></i> Submit </span>
</a>
</div>
</div>
<div id="ucForgotPassword_divPopPasswordSuccessMsg" style="display: none; position: fixed; z-index: 100001;" aria-hidden="true" tabindex="-1">
<div class="sweet-overlay" tabindex="-1" style="opacity: 1.02; display: block;"></div>
<div class="sweet-alert showSweetAlert visible" tabindex="-1" data-custom-class="" data-has-cancel-button="false" data-has-confirm-button="true" data-allow-outside-click="true" data-has-done-function="true" data-animation="pop"
data-timer="null" style="display: block; margin-top: -150px;">
<div class="sa-icon sa-success animate" style="display: block;">
<span class="sa-line sa-tip animateSuccessTip"></span>
<span class="sa-line sa-long animateSuccessLong"></span>
<div class="sa-placeholder"></div>
<div class="sa-fix"></div>
</div>
<h2><span id="ucForgotPassword_spnLoginMsgBoxMsg">Unable to reach server. Please try again</span></h2>
<div class="sa-button-container">
<div class="sa-confirm-button-container">
<button class="confirm btn btn-lg btn-success" tabindex="-1"><i class="fa fa-check"></i> OK</button>
</div>
</div>
</div>
</div>
<a id="ucForgotPassword_lbtnPopPasswordSuccessMsg" href="javascript:__doPostBack('ucForgotPassword$lbtnPopPasswordSuccessMsg','')" style="display: block;"></a>
<div class="sweet-alert showSweetAlert visible weAreAboutToResetPassword" data-keyboard="false" data-backdrop="static" tabindex="-1" style="margin-top: -150px;">
<div class="text-center">
<img src="images/progress.gif" width="100">
</div>
<h2><span>Please wait, we are about to reset your password</span></h2>
</div>
<div id="ucForgotPassword_divPopPasswordErrorMsg" style="display: none; position: fixed; z-index: 100001;" aria-hidden="true" tabindex="-1">
<div class="sweet-overlay" tabindex="-1" style="opacity: 1.02; display: block;">
<div class="sweet-alert showSweetAlert visible" tabindex="-1" data-custom-class="" data-has-cancel-button="false" data-has-confirm-button="true" data-allow-outside-click="true" data-has-done-function="true" data-animation="pop"
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<div class="sa-icon sa-error animateErrorIcon" style="display: block;">
<span class="sa-x-mark animateXMark">
<span class="sa-line sa-left"></span>
<span class="sa-line sa-right"></span>
</span>
</div>
<h2><span id="ucForgotPassword_spnErrorMessage">Entered Employee ID is invalid</span></h2>
<div class="sa-button-container">
<div class="sa-confirm-button-container">
<button class="confirm btn btn-lg btn-danger" tabindex="-1"><i class="fa fa-check"></i> OK</button>
<div class="la-ball-fall">
<div></div>
</div>
</div>
</div>
</div>
</div>
</div>
<a id="ucForgotPassword_lbtnPopPasswordErrorMsg" href="javascript:__doPostBack('ucForgotPassword$lbtnPopPasswordErrorMsg','')" style="display: block;"></a>
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<div id="ucForgotPassword_mdlPopPasswordErrorMsg_backgroundElement" class="overlay" style="display: none; position: fixed; left: 0px; top: 0px; z-index: 10000;"></div>
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</form>Text Content
WELCOME TO BENEFITS YOU (INDIA) EMPLOYEE MODULE
This is the Employee module of Benefits You (India) where employees can complete
their enrollments and access various EH&B service offerings available. This is a
monitored site. Do not attempt to login if you are not an authorized user
LOG IN TO YOUR ACCOUNT
Username Enter Username
Password Enter Password
Resolve captcha below
Mobile Number
OTP
Sign In
Remember me
Forgot Password?
Sign In
Trouble Logging in
FORGOT PASSWORD ?
Username Enter your Username
Back Submit
UNABLE TO REACH SERVER. PLEASE TRY AGAIN
OK
PLEASE WAIT, WE ARE ABOUT TO RESET YOUR PASSWORD
ENTERED EMPLOYEE ID IS INVALID
OK
Copyright © All Rights Reserved 2024| Marsh India Insurance Brokers Pvt. Ltd.
CIN : U66010MH2002PTC138276 | IRDAI Registration No: 120 (Composite) Valid till
02.03.2027
Terms of Use
TROUBLE LOGGING IN?
Sorry for the inconvenience. We need a few details to solve your login troubles
Employee Name Enter Employee Name Enter valid Employee Name
Employee ID Enter Employee ID
Group Name Enter Group Name
Official E-Mail ID / Personal E-Mail ID Enter E-Mail ID Enter valid e-Mail ID
Official Mobile No / Personal Mobile No Enter Mobile No Enter valid Mobile No.
Brief Description Enter Description
Submit Cancel
OK
Ok
Ok
TERMS & CONDITIONS
1. Purpose of Site:
This page describes the terms and conditions of the User’s access to the
BenefitsYou (India) website and portal ("Site"). This page opens in a secondary
browser window via a footer navigation link and may not be altered or removed.
The Site has been prepared solely for the purpose of collecting, providing and
exchanging documentation, data and information between the permitted users
("Users"/ “You”) and Marsh India Insurance Brokers Private Limited ("Marsh") in
relation to the employee health and benefits program and services and/or
flexible benefit administration services ("Services") provided by Marsh and/or
its affiliated companies in the Marsh & McLennan group of companies
(“Affiliates”) through this Site. In addition you may also appoint Marsh as your
Insurance Broker under the terms of the attached Customer Information Sheet and
Terms of Business if you elect to do so.
2. Use of Information, Intellectual Property Rights:
2.1 Marsh has all rights and interests in, and copyright to all text and graphic
images in this Site (unless the text and graphic images form part of the
intellectual property or any other material which has not been prepared by
Marsh). The information contained in this Site is not intended for
republication or distribution. You may not distribute the text, graphics or
other information obtained while using this Site to others, "mirror" or include
the information on your own server, or modify or reuse the text or graphics
without the express written permission of Marsh. You may view, copy, print or
download your information contained in this Site for your own personal use only.
Marsh reserves all other rights to this Site, its content and all rights
subsisting in them.
2.2 Intellectual property rights in certain materials on or processes used in
constructing or accessing this Site may be the property of third parties. If you
seek to reproduce or otherwise use any such material or process in any manner
which would involve the exercise of the rights of the intellectual property
owner, it is your responsibility to seek permission for that reproduction or
other use from the relevant third party or parties.
2.3 You may not download, reproduce, transfer, publish, alter or use any logos,
symbols or trademarks belonging to Marsh and displayed at this Site for any
purpose. All other logos, service marks, trademarks, registered service marks,
or registered trademarks mentioned on this Site belong to their respective
owners.
2.4 Marsh retains all copyright and other intellectual property rights in the
methodologies, methods of analysis, ideas, concepts, know-how, models, tools,
techniques, skills, knowledge and experience, and any graphic or digitized
representations of any of these, possessed by Marsh and reflected at any time on
this Site.
2.5 You shall be liable for any damages resulting from any infringement of
copyright, trademark or other proprietary right, or any other harm resulting
from your wrongful use of this Site.
2.6 By providing documentation, data and information through the Site or using
the Site, you consent to Marsh collecting, gathering, processing, exchanging and
using such documentation, data and information received from you or collected
through your use of the Site on the terms of the Client Personal Information
Collection Statement set out below.
3. Site availability & Security
3.1 Marsh will make reasonable efforts to ensure the availability and security
of this Site, and the integrity of the data accessed by you through this Site.
Due to the nature of the Internet, Marsh cannot guarantee that this Site will be
completely free from viruses, hacking attacks, security intrusions or that
access to this Site will be completely uninterrupted; or the security of
transmissions over the Internet or for possibility of interception or
interruption of any communications through the Internet, or for changes to or
losses of data through the Internet.
3.2 Marsh may suspend your use of the Services or access to this Site via the
Internet with reasonable cause (which may include, without limitation, any
breach of the terms and conditions as set out in this Site); provided that, to
the extent commercially reasonable, advance written notice will be given to your
employer company. In the event that immediate suspension is required for any
reason, Marsh may (but is not obliged to) give a written explanation to your
employer company providing the cause for such immediate suspension.
3.3 You must ensure that you do not insert (or procure any person to insert) any
virus or code which would have the effect of disrupting, impairing, disabling or
otherwise adversely affecting or shutting down or compromising the security or
integrity of data, this Site or the Services or denying Marsh access to all or
any portion of this Site
4. Access Credentials
4.1 Marsh has provided you with a confidential password and a login account
(LOGIN-ID) that will permit access to this Site. Only Users who have proper
authentication are permitted to access the documentation, data and information
contained in this Site. You acknowledge that access to any information relating
to you will be provided through this Site to any person using your access
credentials. You must therefore do everything necessary to protect your access
credentials from disclosure to any other person. You will be responsible for all
acts of unauthorised use of your access credentials. Any action or request made
by the user of your access credentials will be deemed to have been made by you
and the request may be carried out by Marsh without further enquiry.
5. Unauthorised Access:
5.1 If, at any time, you learn or suspect that (i) your access credentials have
been disclosed or otherwise made known to any person other than yourself or (ii)
there has been unauthorized access to your account, you agree to immediately
notify Marsh and your employer company and to confirm such notice in writing
within seventy-two (72) hours. Upon receiving such notice, Marsh and your
employer company will respectively verify your identity and assign new access
credentials to you within a reasonable period of time. Re-issuance and
reactivation of access credentials is subject to Marsh's and your employer
company's security and validation procedures. You will not receive new access
credentials if you have violated, or allowed others to violate, Marsh's and your
employer company's security or validation procedures.
6. Outside links:
6.1 We provide links to other web sites as a service. We make no representation
whatsoever about any other web sites that you may access through this Site. Our
linking to another web site does not mean that we endorse or accept any
responsibility for that web site's content or use, or that we are affiliated in
any way with that web site's owner. We do not investigate, verify, monitor or
endorse any other web site. Marsh excludes all liability arising in connection
with the use of any information on a linked web site, You may not create any
link to this Site without Marsh’s written consent
7. Reliance on Information & No liability for damages, errors or omissions:
7.1 Marsh has made reasonable efforts to ensure that the materials of which
Marsh is the author ("Marsh Materials"), contained on this Site, are accurate at
the time of inclusion.
7.2 Marsh shall use all information and data supplied by you or on your behalf
without having independently verified the accuracy or completeness of it.
7.3 If this Site contains any materials or have certain links to materials
located on servers maintained by third parties over whom Marsh has no control or
which have not been prepared by Marsh ("Non Marsh Materials"), then Marsh does
not warrant the accuracy, adequacy or completeness of the Non Marsh Materials in
this Site, although Marsh will compile the Non Marsh Materials in this Site in
good faith. Any opinions, advice, statements, services, offers or other
information or content expressed or made available by third parties, including
information providers, are those of the respective author(s) or distributor(s)
and not of Marsh.
7.4 Even though Marsh has compiled the documentation, data and information
contained in this Site in good faith, this Site and information contained in the
Site may still include inadvertent and occasional errors or be outdated.
7.5 Except as provided above in relation to the Marsh Materials, Marsh shall not
be liable for any inaccuracies or omissions contained in this Site and Marsh
provides the information on an "as is" basis. Except as expressly set forth in
this Agreement and to the maximum extent permitted by law, Marsh expressly
disclaim any statutory, express or implied warranty of merchantability and
fitness for a particular purpose in relation to the supply of the Services
through the Site or otherwise in connection with this Agreement, including
without limitation, any warranties with respect to (i) noninfringement of third
party rights or title, (ii) matters arising from data corruption, breaches of
data or access credentials or Site security, defects in transmission or computer
viruses or hacking attacks, or (iii) any problems caused to any computer,
associated equipment, software or data as a result of using this Site.
7.6 The Internet is a global network of computers that you use at your own risk,
and neither Marsh nor its affiliates control or censor the Internet. Marsh does
not warrant that the functions contained in this Site will be uninterrupted or
error-free, that defects will be corrected or that this Site or the server that
makes it available are free of viruses or other harmful components. Marsh
assumes no responsibility for the effectiveness of any encrypted data, nor will
Marsh guarantee that an encryption algorithm will be indecipherable. Marsh makes
no claims or warranties regarding the viability, integrity or invincibility of
the encryption used, nor will Marsh accept responsibility for the success or
failure of the secure server to properly encrypt data.
7.7 Marsh excludes all liability for any loss or liability resulting, directly
or indirectly, or arising in connection with (i) any unauthorized use of the
Site (except to the extent such unauthorized use is by a staff of Marsh) or (ii)
unauthorized use of access credentials by any person (other than a staff of
Marsh or instances where the unauthorized disclosure was caused by Marsh).
8. Delays in Services.
Marsh shall not be liable for any loss or liability resulting, directly or
indirectly, from delays or interruptions due to electronic or mechanical
equipment failures, date data processing failures, telephone interconnect
problems, utility failures or problems, defects, weather, strikes, walkouts,
fire, acts of God, riots, armed conflicts, acts of war, or to other like causes
beyond the reasonable control of Marsh. Marsh shall have no responsibility to
provide access to the Service while the interruption of this Site and/or the
Service due to any such cause shall continue.
9. Change of Terms.
Marsh reserves the right to change the terms and conditions of this Agreement
and the specifications or terms in relation to, attributes of, functionality of
and information provided on and/or through this Site for the purposes of dealing
with evolving technology, application security threats, evolving features
offerings, internal streamlining and generally improving the quality of the
Services to its clients. Accordingly, please continue to review the Agreement
whenever accessing or using this Site. Your use of this Site, or any service on
the Site, after the posting of modifications to the Agreement will constitute
your acceptance of the Agreement, as modified.
10. Termination.
Termination or cancellation of this Agreement shall not affect any right or
relief to which Marsh may be entitled, at law or in equity. Upon termination of
this Agreement, all rights granted to you will terminate. This Agreement shall
remain in full force and effect unless terminated or cancelled for any of the
following reasons: 1) immediately by Marsh for any unauthorized access or use by
you except as expressly provided in this Agreement; 2) immediately by Marsh if
you assign or transfer (or attempt the same) any rights granted to you under
this Agreement; or 3) immediately, if you violate any of the other terms and
conditions of this Agreement.
11. Sanctions and Export Controls.
Use of this Site and this Agreement are expressly made subject to any economic
or trade sanctions and export control laws, regulations, orders or other
restrictions which may be imposed by the Government of the United States of
America, the Government of Canada, and other applicable laws. Marsh does not
provide insurance or reinsurance broking, risk consulting, claims or other
services or provide any benefit to the extent that the provision of such
services or benefit would violate applicable law or expose Marsh to any
sanction, prohibition or restriction under United Nations Security Council
Resolutions or under other trade or economic sanctions, laws or regulations. You
represent and warrant that neither you nor your employer organization is a
Restricted Entity (defined below) nor are you or your employer organization
using this Site or Marsh services on behalf of or for the benefit of a
Restricted Entity or in connection with a transaction related to a Restricted
Entity. "Restricted Entity" means and (1) individual, regime, organization,
vessel or aircraft designated as a sanctions target by the United Nations
Security Council, or the governments of the United States, Canada, the United
Kingdom or the European Union, or any other government in a country in which you
are located or your organization or operates, or (2) individual, regime,
organization, vessel or aircraft owned or controlled by such a party, including
without limitation, a party listed on the Specially Designated Nationals list
published by the U.S. Department of the Treasury's Office of Foreign Assets
Control. You represent and warrant that any goods or technology for which trade
credit or similar cover is being brokered by Marsh and in connection with whose
export or sale the Site is being used are not subject to, and are not being
exported in violation of, the export control or sanctions laws of the United
States, Canada, the United Kingdom, the European Union, or other applicable
laws.
12. Licence.
User acquires no rights or licenses in or to the Services and materials
contained therein other than the limited right to utilize the Services in
accordance with the Agreement. 13. Governing Law.
This Agreement shall be governed by and construed in accordance with the laws of
the India Any dispute arising out of or relating to this Agreement shall be
subject to the exclusive jurisdiction of the courts in India. 14. Severability.
If any provision of this Agreement is found to be unlawful or unenforceable in
any respect, the court shall reform such provision so as to render it
enforceable (or, if it is not possible to reform such provision so as to make it
enforceable, then delete such provision). As so reformed or modified, the court
shall fully enforce this Agreement. 15. Entire Agreement.
This Agreement constitutes the entire agreement between the parties, and no
other agreement, written or oral, exists between you and Marsh as to your use of
this Site. This Agreement is between you and Marsh. 16. Access Outside India.
If you choose to access the Service from outside Singapore, you are responsible
for compliance with foreign and local laws. Marsh does not provide insurance
brokerage, third party administrator, or other services to governments,
governmental agencies, other groups, individuals, or any of their agents which
are subject to U.S. trade sanctions, including, without limitation, to the
following Embargoed Persons: (i) governments, government agencies, businesses
organized in, and nationals or residents of any embargoed governments or regimes
or (ii) to anyone on the U.S. Treasury Department's Office of Foreign Asset
Control's lists of Specially Designated Nationals, Specially Designated Global
Terrorists, and Foreign Terrorist Organizations. By using the Service, you
represent and warrant that you are not an Embargoed Person and are not
controlled by or acting as an agent of any such an Embargoed Person.
17. Official Correspondence. Official correspondence must be sent via postal
mail to:
The Legal Department
Marsh India Insurance Brokers Private Limited
1201-02, One World Center, Tower-2, 841, Jupiter Textile Compound Mills,
Senapati Bapat
Marg, Elphinstone, Mumbai-400013
I have fully read and understood the terms and conditions set out in this
Agreement and by clicking on the ‘Agree’ button below, I consent to the terms
and condition of the Agreement.
Client Personal Information Collection Statement
1. It is often necessary for our current or prospective individual clients,
or, where our clients are corporate or business entities, their individual
representatives and employees (collectively referred to as "clients" and
otherwise referred to as "client", "you" or "your") to provide to Marsh India
Insurance Brokers Pvt Limited* (hereinafter referred to as "MARSH", "we", "our"
or "us", and references to Marsh include the appropriate Marsh Affiliate(s))
personally identifiable data about yourselves ("Personal Information")in
connection with our business process execution, including delivery of services
and/or products, preparation of proposals, provision of quotations, arranging
insurance cover, managing claims, client relationship management and conducting
internal conflicts checks. Such Personal Information may include information or
data provided by you or other parties or from other source, and may include, but
is not limited to, historical or existing data and/or data to be collected in
the future. Such Personal Information may be subject to applicable data
protection, privacy and other similar laws and may include copies and other
details of identity documents, proof of address and other contact details,
religious, philosophical or political affiliations, information concerning age,
marital status, racial or ethnic origin, education, genetic or sexual life,
physical or mental health or medical condition/diagnosis, dietary preference,
commission or alleged commission of any offence or proceedings for any offence
committed or alleged to have been committed, the disposal of such proceedings or
the sentence of any court in such proceedings.
When you provide MARSH with Personal Information relating to your employees,
dependents and/or other individuals that you represent, you warrant that you
have obtained the consent of such parties for the collection, use and processing
of their Personal Information by MARSH.
1. Personal Information you provide will be collected, used and otherwise
processed by MARSH for the following purposes:
2.1 client relationship management procedures, including any potential conflict
checks as may be required;
2.2 the delivery of services or products to the client;
2.3 those purposes specifically provided for in any particular service or
product offered by MARSH;
2.4 conducting marketing and client profiling activities in connection with
insurance and related services and products (including those provided by MARSH,
its Affiliates and selected third parties for the purpose of improving our
services to the client or that we think may interest the client);
2.5 credit assessments and other background checks of the client as MARSH may
determine to be necessary or appropriate;
2.6 MARSH’s internal record-keeping;
2.7 collection of outstanding payments from clients;
2.8 prevention of crime (including but not limited to fraud, money-laundering,
bribery);
2.9 meeting any legal or regulatory requirements relating to MARSH's provision
of services and products and to make disclosure under the requirements of any
applicable law, regulation, direction, court order, by-law, guideline, circular,
code applicable to MARSH or any member of the Marsh & McLennan Group; and
2.10 purposes relating to any of the above (including but not limited to
research, benchmarking and statistical analysis).
1. MARSH may provide or disclose this Personal Information to its Affiliates
for the purposes stated in paragraph 2 above.
Collection and Disclosure
1. Personal Information provided to MARSH will generally be kept confidential
but you hereby consent and authorize MARSH to collect, provide or disclose your
Personal Information for the purposes stated in paragraph 2 above from or to:
4.1 any person to whom MARSH is compelled or required to do so under law or in
response to a competent or government agency;
4.2 relevant parties arranging insurance or providing claims services or
benefits administration services or wellness services such as insurance
companies, health maintenance organizations, agents and service providers
(including but not limited to consultants, market research and quality assurance
companies),
4.3 Marsh’s Affiliates;
4.4 government agencies and industry regulators;
4.5 MARSH’s auditors, accountants, lawyers or other financial or professional
advisers; and
4.6 such sub-contractors or third party service or product providers as MARSH
may determine to be necessary or appropriate, in accordance with paragraph 2 and
paragraph 7.
4.7 such person(s) as you may instruct or require.
1. You further consent to provide, and for your employer, insurer(s), health
maintenance organizations, agents and/or third party service or product
provider(s) to provide to MARSH your Personal Information for the purposes set
out in paragraph 2 above.
2. Failure to provide such Personal information may result in MARSH being
unable to provide clients and you with the services and/or products requested.
Safeguards
1. Marsh confirms that Marsh has implemented the appropriate administrative
and security safeguards and procedures in accordance with the applicable laws
and regulations to prevent the unauthorized or unlawful processing of your
Personal Information and the accidental loss or destruction of, or damage to,
your Personal Information.
Data Transfer
1. Where MARSH considers it necessary or appropriate for the purposes of data
storage or processing or providing any service or product on our behalf to you,
we may transfer your Personal Information to An Affiliate or third party service
or product providers within or outside the country in which MARSH is
established, under conditions of confidentiality and similar levels of security
safeguards.
Your Rights of Access and Correction
1. Your Rights of Access and Correction
8.1 check whether MARSH holds or uses your Personal Information and request
access to such data;
8.2 request that MARSH correct any of your Personal Information that is
inaccurate, incomplete or out-of-date;
8.3 request that MARSH specify or explain its policies and procedures in
relation to data and types of Personal Information handled by MARSH; and
8.4 communicate to MARSH your objection to the use of your Personal Information
for marketing purposes whereupon MARSH will not use your Personal Information
for these purposes; and
8.5 withdraw, in full or in part, your consent given previously,
in each case subject to any applicable legal restrictions, contractual
conditions, reasonable internal policies/procedures, a reasonable time period
(in accordance with applicable laws) as well as, in the case of an access
request, a reasonable fee (where permitted under applicable laws and as MARSH
may notify you in writing upon receipt of your request).
1. Written requests for access to Personal Information or correction and/or
deletion of Personal Information or for information regarding policies and
procedures and types of Personal Information handled by MARSH may be sent to
privacycoordinator@marsh.com.
I have fully read and understood the terms and conditions set out in the
Personal Information Collection Statement and by clicking on the ‘Agree’ button
below, I consent to the use of my Personal Information in accordance with the
terms of this Personal Information Collection Statement
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REFUND POLICY
MODIFICATIONS AND REFUNDS
Once an online booking is made on the Website, you will not be able to make any
modifications to it but can only cancel it only through the Website. Refunds
through credit/debit cards will be only in accordance with credit/debit card
refund procedures. Please refer to our Refund Policy (as provided hereinafter)
for more information.
MODE OF PAYMENT
* Payments are accepted by means of Net Banking, Credit Card or Debit Card.
* Credit Card: Payment for online booking is accepted by Credit Card
(MasterCard and VISA only). We accept all major Credit Cards.
* Debit Card: Payment of online booking is also accepted by Debit Card
(MasterCard and VISA only).
EXCLUSIONS TO ONLINE PAYMENT FACILITY
Benefits You may from time to time contract with third party payment service
providers including banks to open nodal bank account under applicable Indian
laws, to facilitate the payment by Users to the channel partners, third party
service providers and or suppliers and other charges, if applicable. These third
party payment service providers may include third party banking or credit card
payment gateways, payment aggregators, mobile payment service providers or
through any facility as may be authorized by the Reserve Bank of India for
collection, refund and remittance, as the case may be of payment or supporting
the same in any manner. Benefits You shall not in any way be liable for any
delay, disruption or defects in the services offered by these third party
payment service providers or such payment facility facilities.
You acknowledge that you assume all the risks involved in using our online
payment facility and we shall not be in any way liable for any damage, loss,
expense or detriment caused (directly or indirectly) by a defect in the online
payment facility purported to have been caused or caused by reason of your use
of such online payment facility or for whatsoever reason. We shall be under no
liability whatsoever in respect of any loss or damage arising directly or
indirectly out of the decline of authorization for any Transaction or on Account
of the Cardholder having exceeded the pre-set limit mutually agreed by us with
our acquiring bank from time to time.
CANCELLATION & REFUND POLICY
Cancellation of the health check appointment once payment is made should be done
by raising a request from our website by giving the Appointment ID and refund in
such case will be made to the payee after deducting 3% of the transaction amount
not exceeding Rs. 300/- (Rupees three hundred only). Please note that the refund
process may take 10 working days from the date of appointment cancellation
Cancellation of Pharmacy Order shall l not be accepted once you confirm the
order on call. Pharmacy orders are not eligible for exchange. A maximum of three
(3) re-schedule requests shall be permitted for Pharmacy order within a span of
10 days reckoned from the date of booking of the order on the Website.
CREDIT CARD AUTHENTICATION
Effective 1 August 2009, Reserve Bank of India has made it mandatory for all
banks to implement additional verification and validation procedures in all
cases of "card not present transactions". All card holders have to register with
their card issuing banks and create a Verified By Visa or MasterCard secure code
password which has to be entered whilst making online payment.
SECURITY
Website will take all reasonable measures to ensure that information you
transmit to Website, will remain confidential and protected from unauthorized
access but Website does not warrant against unauthorized access and will not be
liable for any unauthorized access by any means to that information.
Your Credit Card details are transmitted directly to the payment gateway
provider and Website does not see any of its information at any time.
TAXES
You are responsible for paying all fees associated with the use of the Website
and you agree to bear any and all applicable taxes, charges, cesses etc. levied
thereon.
RESTRICTIONS ON USE
As mandated by Regulation 3(2) of the (Indian) Information Technology
(Intermediaries Guidelines) Rules, 2011, Benefits You hereby informs Users that
they are not permitted to host, display, upload, modify, publish, transmit,
update or share any information that:
* Belongs to another person and to which the User does not have any right to;
* Is grossly harmful, harassing, blasphemous, defamatory, obscene,
pornographic, pedophilic, libelous, invasive of another's privacy, hateful,
or racially, ethnically objectionable, disparaging, relating or encouraging
money laundering or gambling, or otherwise unlawful in any manner whatever;
* Harm minors in any way;
* Infringes any patent, trademark, copyright or other proprietary rights;
* Violates any law for the time being in force;
* Deceives or misleads the addressee about the origin of such messages or
communicates any information which is grossly offensive or menacing in
nature;
* Impersonate another person;
* Contains software viruses or any other computer code, files or programs
designed to interrupt, destroy or limit the functionality of any computer
resource;
* Threatens the unity, integrity, defence, security or sovereignty of India,
friendly relations with foreign states, or public order or causes incitement
to the commission of any cognizable offence or prevents investigation of any
offence or is insulting any other nation.
You shall not use any "deep-link", "page-scrape", "robot", "spider" or other
automatic device, program, algorithm or methodology, or any similar or
equivalent manual process, to access, acquire, copy or monitor any portion of
the Website or any Content, or in any way reproduce or circumvent the
navigational structure or presentation of the Website or any Content, to obtain
or attempt to obtain any materials, documents or information through any means
not purposely made available through the Website. We reserve our right to bar
any such activity.
You shall not attempt to gain unauthorized access to any portion or feature of
the Website, or any other systems or networks connected to the Website or to any
server, computer, network, or to any of the services offered on or through the
Website, by hacking, password "mining" or any other illegitimate means.
You shall not probe, scan or test the vulnerability of the Website or any
network connected to the Website nor breach the security or authentication
measures on the Website or any network connected to the Website. You may not
reverse look-up, trace or seek to trace any information on any other User of or
visitor to Website, or any other customer, including any account on the Website
not owned by You, to its source, or exploit the Website or any service or
information made available or offered by or through the Website, in any way
where the purpose is to reveal any information, including but not limited to
personal identification or information, other than Your own information, as
provided for by the Website.
You shall not make any negative, denigrating or defamatory statement(s) or
comment(s) about Us or the brand name or domain name used by Us including the
terms Benefits You or otherwise engage in any conduct or action that might
tarnish the image or reputation, of Benefits You or sellers on platform or
otherwise tarnish or dilute any Benefits You's trade or service marks, trade
name and/or goodwill associated with such trade or service marks, trade name as
may be owned or used by us. You agree that You will not take any action that
imposes an unreasonable or disproportionately large load on the infrastructure
of the Website or Benefits You's systems or networks, or any systems or networks
connected to Benefits You
You agree not to use any device, software or routine to interfere or attempt to
interfere with the proper working of the Website or any transaction being
conducted on the Website, or with any other person's use of the Website.
You may not forge headers or otherwise manipulate identifiers in order to
disguise the origin of any message or transmittal You send to Us on or through
the Website or any service offered on or through the Website. You may not
pretend that You are, or that You represent, someone else, or impersonate any
other individual or entity.
TRADEMARK, COPYRIGHT AND RESTRICTION
This site is controlled and operated by Benefits You and the services and
products are sold by respective third party service providers, suppliers and
channel partners. All material on this site, including images, illustrations,
audio clips, and video clips, are protected by copyrights, trademarks, and other
intellectual property rights. Material on Website is solely for your personal,
non-commercial use. You must not copy, reproduce, republish, upload, post,
transmit or distribute such material in any way, including by email or other
electronic means and whether directly or indirectly and you must not assist any
other person to do so. Without the prior written consent of the owner,
modification of the materials, use of the materials on any other website or
networked computer environment or use of the materials for any purpose other
than personal, non-commercial use is a violation of the copyrights, trademarks
and other proprietary rights, and is prohibited. Any use for which you receive
any remuneration, whether in money or otherwise, is a commercial use for the
purposes of this clause.
INTELLECTUAL PROPERTY RIGHTS
It is hereby specifically recorded that the copyright and other Intellectual
Property in the products and services available on the Website is the sole and
exclusive property of third parties. Intellectual Property Rights for the
purpose of this Terms of Use shall always mean and include copyrights whether
registered or not, patents including rights of filing patents, trademarks, trade
names, trade dresses, house marks, collective marks, associate marks and the
right to register them, designs both industrial and layout, geographical
indicators, moral rights, broadcasting rights, displaying rights, distribution
rights, selling rights, abridged rights, translating rights, reproducing rights,
performing rights, communicating rights, adapting rights, circulating rights,
protected rights, joint rights, reciprocating rights, infringement rights.. The
Parties hereto agree and confirm that no part of any Intellectual Property
rights mentioned hereinabove is transferred in the name of User and any
intellectual property rights arising as a result of these presents shall also be
in the absolute ownership, possession and our control or control of its
licensors, as the case may be.
BREACH
Without limiting other rights and remedies, Benefits You may limit your
activity, immediately remove your information or your purchases or end your
listing, warn other users of your actions, immediately temporarily/indefinitely
suspend or terminate or block your membership, and/or refuse to provide you with
access to the Website in the event, but not limited to:
* If you breach the User Agreement or any terms or policies of the Website.
* If your actions may cause legal liability for you, other users or Benefits
You
Benefits You may at any time at its sole discretion reinstate suspended users.
Benefits You reserves the right to take strict legal action including but not
limited to a referral to the appropriate police or other authorities for
initiating criminal or other proceedings against you.
NO WARRANTY AND DISCLAIMERS
Benefits You and its affiliates, third party service providers, third party
channel partners provide the Website and services on "as is" basis and without
any warranty or condition, express, implied or statutory and specifically
disclaim any implied warranties of title, merchantability, fitness for a
particular purpose and non-infringement. You expressly agree that your use of
the Website is at your risk. Benefits You, its associates, affiliates and
service providers and technology partners make no representations or Warranties
about the accuracy, reliability, completeness, and/or timeliness of any content,
information, software, text, graphics, links or communications provided on or
through the use of the Website or that the operation of the Website will be
error free and/or uninterrupted.
INDEMNITY
You shall fully indemnify, keep indemnified, defend and hold harmless Benefits
You and Benefits You’s shareholders, subsidiaries, affiliates, third-parties and
their respective shareholders, officers, directors, agents, and employees, from
any claim or demand, or actions including reasonable attorneys' fees, made by
any third party or penalty imposed due to or arising out of your breach of the
User Agreement or any rules and policies contained herein, or your violation of
any law, rules or regulations or the rights of a third party.
LIMITATION OF LIABILITY
The Website is solely an online Cashless Outpatient Services Network where
various channel partners offer their services. Benefits You in no manner is to
be construed as the service provider, supplier or the like. You hereby release
Benefits You, your employer (if applicable) from all liability (of whatsoever
nature) arising from your availing of any of the services and / or products on
offer on the Website. The channel partners, third party service providers,
suppliers are wholly liable to ensure delivery & quality of the services and /
or products on offer on the Website.
In no event shall Benefits You or its affiliates or your employer (if
applicable) or service providers be liable to the User for any indirect,
incidental, special, incidental, consequential, punitive or exemplary damages,
including but not limited to, damages for loss of profits, goodwill, use, data
or other intangible losses arising out of or in connection with the Website, its
services or this agreement (however arising, including negligence or under torts
or under public policy). Benefits You or your employer (if applicable) shall in
no manner whatsoever be liable to the User for any damages, losses, and causes
of action (whether in contract or tort, including, but not limited to,
negligence or otherwise) arising from User’s use of the Website or the Services.
GENERAL
None of the provisions of the User Agreement shall be deemed to constitute a
partnership or agency between you and Benefits You and you shall have no
authority to bind Benefits You in any manner whatsoever nor shall Benefits You
have any authority to bind you in any manner whatsoever. All the services
provided by the Benefits You shall be as independent contractor and on principal
to principal basis.
If any clause of the User Agreement shall be deemed invalid, void or for any
reason unenforceable, such clause shall be deemed severable and shall not affect
the validity and enforceability of the remaining clauses of the User Agreement.
This Agreement sets forth the entire understanding and agreement between you and
Benefits You with respect to the subject matter hereof.
In Benefits You's sole discretion, Benefits You may transfer its rights and
obligations under this Agreement, assign this Agreement or novate this Agreement
without your prior express consent. However, Benefits You on reasonable efforts
basis and if practicable may provide you with an advance intimation of any such
acts.
GRIEVANCE OFFICER:
In accordance with Information Technology Act 2000 and rules made there under,
the Grievance Officer for the purpose of your personal sensitive information as
governed by the Website’s Privacy Policy is:
contact@semantictech.in
OTHER COMPLAINTS
In the event you have any complaints or concerns with respect to the website or
our services, please contact us at contach@semantictech.in
GOVERNING LAW
This User Agreement and all the rules and policies contained herein and any of
Your usage of Website and Your dealings with Benefits You shall be governed and
construed in accordance with the laws of India.
ARBITRATION
If any dispute arises between you and Benefits You during your use of the
Website or your dealing in relation to any activity on the Website, in
connection with the validity, interpretation, implementation or alleged breach
of any provision of the User Agreement and all the rules and policies contained
herein, the dispute shall be referred to a sole arbitrator who shall be an
independent and neutral third party identified by Benefits You The Arbitration &
Conciliation Act, 1996, shall govern the arbitration proceedings. The
arbitration proceedings shall be in the English language. The place of
arbitration shall be Pune.
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PRIVACY POLICY
PRIVACY POLICY
Marsh India Insurance Brokers Private Ltd “Marsh”) is an insurance broking
company duly licensed by IRDAI under composite license no CB/209 which is valid
till 28/08/2024 and is the owner of the domain
https://wtwindiainsurancebrokers.com/.
Your privacy is important to us and we want you to feel secure when you visit
our website or applications. This privacy notice explains how and what type of
personal data will be collected, processed and used during your visits to the
app/website why it is collected, with whom it is shared and your rights in this
regard. Please read this notice carefully.
In this privacy notice, our use of the term “personal information” includes
other similar terms under applicable privacy laws - such as “personal data” and
“personally identifiable information.”
Personal information" means any information that relates to a natural person,
which, either directly or indirectly, in combination with other information
available or likely to be available with a body corporate, is capable of
identifying such person. In simple words, personal information includes any
information that identifies, relates to, describes, or is reasonably capable of
being associated, linked, or linkable with a particular individual. Generally,
we collect your personal information on a voluntary basis.
We are committed to protecting your privacy and take reasonable steps to protect
the confidentiality of the Personal Information you have provided us and its
transmission through the Internet.
For this purpose, the website/app may employ cookies, which you may disallow
based on your browser settings, but we recommend that you allow the cookies to
obtain full functionality of this site and seamless service.
The personal information that we collect and retain from you will vary depending
upon the circumstances which includes your name, phone number, personal email
id, employee code, occupation, location of workplace, etc.
WTWIIBPL would not use any personal information to redirect you to any
advertisers’ sites, nor sell or rent such information to third parties for any
commercial purpose including any targeted third-party advertising.
The inclusion of a link to a third-party website does not imply endorsement of
the linked site or service by us or our affiliates. These third-party websites
will be governed by different terms of use (including privacy notices) and you
are solely responsible for viewing and using each such website in accordance
with the applicable terms of use. Marsh India Insurance Brokers Private Limited
is not responsible for how your personal information is handled by such
third-party websites.
We may share your Information submitted on the Website to any third
party/service provider/business partner without obtaining your prior consent in
the following limited circumstances:
1. When it is requested or required by law or by any court or governmental
agency or authority to disclose, for the purpose of verification of
identity, or for the prevention, detection, investigation including cyber
incidents, or for prosecution and punishment of offences. These disclosures
are made in good faith and belief that such disclosure is reasonably
necessary for enforcing these Terms and Conditions; for complying with the
applicable laws and regulations.
2. WTWIIBPL shall transfer information about you in case WTWIIBPL is acquired
by or merged with another company.
RETENTION PERIOD
We will retain your personal information for the period necessary to fulfill the
purposes outlined in this privacy notice unless a longer retention period is
required or permitted by law or defined in an agreement. We may retain personal
information for longer where required by our regulatory obligations or
professional indemnity obligations, or where we believe it is necessary to
establish, defend or protect our legal rights and interests or those of others.
With respect to the data and files we handle as a processor, we retain this
personal information in accordance with our clients’ instructions and as
required by law.
We reserve the right to change this policy from time to time, at its sole
discretion. We may update this privacy policy to reflect changes to our
information practices. We encourage you to periodically review.
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DISCLAIMER
The information contained in this website is for general information purposes
only. The information is provided by Benefits You and while we endeavour to keep
the information up to date and correct, we make no representations or warranties
of any kind, express or implied, about the completeness, accuracy, reliability,
suitability or availability with respect to the website or the information,
products, services, or related graphics contained on the website for any
purpose. Any reliance you place on such information is therefore strictly at
your own risk.
In no event will we be liable for any loss or damage including without
limitation, indirect or consequential loss or damage, or any loss or damage
whatsoever arising from loss of data or profits arising out of, or in connection
with, the use of this website.
Through this website you are able to link to other websites which are not under
the control of Benefits You We have no control over the nature, content and
availability of those sites. The inclusion of any links does not necessarily
imply a recommendation or endorse the views expressed within them.
Every effort is made to keep the website up and running smoothly. However,
Benefits You takes no responsibility for, and will not be liable for, the
website being temporarily unavailable due to technical issues beyond our
control.
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