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Terms and Conditions

1. Introduction

Welcome to Dronycover. These Terms and Conditions ("Terms") govern your use of our website, services, and drone insurance products. By accessing our platform or purchasing insurance through Dronycover, you agree to be bound by these Terms.

Company Information:

  • Service Provider: Dronycover

  • Services: Drone insurance brokerage and related services

  • Jurisdiction: India

2. Definitions

  • "We," "Us," "Our" refers to Dronycover

  • "You," "Your" refers to the user or policyholder

  • "Drone" refers to unmanned aerial vehicles (UAVs) and remotely piloted aircraft systems (RPAS)

  • "Policy" refers to the insurance coverage purchased through our platform

  • "Platform" refers to our website, mobile application, and related services

3. Eligibility

To use our services, you must:

  • Be at least 18 years of age

  • Be a resident of India

  • Own or operate a drone legally registered in India

  • Comply with all DGCA (Directorate General of Civil Aviation) regulations

  • Provide accurate and complete information during registration

4. Insurance Coverage

4.1 Policy Procurement

Dronycover acts as an insurance broker, facilitating coverage between you and our partnered insurance providers. We do not underwrite policies directly.

4.2 Coverage Details

  • Coverage specifics, limits, exclusions, and premiums are detailed in your individual policy document

  • All policies are subject to the terms of the underwriting insurance company

  • Coverage is valid only after premium payment is confirmed

4.3 Regulatory Compliance

All insurance products comply with:

  • Insurance Regulatory and Development Authority of India (IRDAI) guidelines

  • DGCA drone operation regulations

  • Applicable central and state laws

5. User Obligations

You agree to:

  • Provide accurate, current, and complete information

  • Maintain valid drone registration and permits

  • Operate drones in accordance with DGCA regulations

  • Notify us immediately of any changes to your drone, operations, or contact information

  • Pay premiums on time

  • Report claims promptly and honestly

  • Cooperate fully during claim investigations

6. Premium Payment

6.1 Payment Terms

  • Premiums must be paid in full before coverage begins

  • Payment methods include credit/debit cards, UPI, net banking, and other approved methods

  • All payments are in Indian Rupees (INR)

6.2 Non-Payment

  • Failure to pay premiums may result in policy cancellation

  • Coverage lapses immediately upon non-payment unless otherwise specified

  • We reserve the right to charge late fees as per the policy terms

7. Claims Process

7.1 Claim Notification

  • Claims must be reported within 24-48 hours of the incident

  • You must provide all requested documentation

  • False or fraudulent claims will result in policy cancellation and potential legal action

7.2 Claim Assessment

  • Claims are assessed by the underwriting insurance company

  • We facilitate the claims process but do not make final claim decisions

  • Settlement timelines vary based on claim complexity

8. Policy Cancellation and Refunds

8.1 Cooling-Off Period

You may cancel your policy within 15 days of purchase for a full refund, provided no claims have been made.

8.2 Mid-Term Cancellation

  • You may cancel your policy at any time

  • Refunds for mid-term cancellations are calculated on a pro-rata basis minus administrative charges

  • We reserve the right to cancel policies for non-payment, fraud, or material misrepresentation

8.3 Renewal

  • Policies do not auto-renew unless explicitly agreed

  • Renewal notices will be sent prior to policy expiration

  • Renewal terms may differ from the original policy

9. Privacy and Data Protection

9.1 Data Collection

We collect personal information including name, contact details, drone specifications, and operational data to provide insurance services.

9.2 Data Usage

Your data is used to:

  • Process insurance applications

  • Assess risk and determine premiums

  • Process claims

  • Communicate with you about policies and services

  • Comply with legal and regulatory requirements

9.3 Data Sharing

We share data with:

  • Insurance underwriters and partners

  • Regulatory authorities when required

  • Service providers who assist in our operations

9.4 Data Security

We implement industry-standard security measures to protect your information. However, no system is completely secure.

10. Limitations of Liability

10.1 Service Availability

  • We strive for 24/7 platform availability but do not guarantee uninterrupted service

  • We are not liable for losses arising from platform downtime or technical issues

10.2 Third-Party Actions

  • We are not liable for the actions or decisions of insurance underwriters

  • Claim denials or disputes are governed by the policy terms of the underwriting company

10.3 Indirect Damages

We are not liable for indirect, incidental, consequential, or punitive damages arising from your use of our services.

11. Intellectual Property

All content, trademarks, logos, and materials on our platform are owned by DronyCover or licensed to us. You may not reproduce, distribute, or use our intellectual property without written permission.

12. Prohibited Activities

You agree not to:

  • Provide false or misleading information

  • Use the platform for illegal purposes

  • Attempt to hack, disrupt, or compromise our systems

  • Resell or transfer policies without authorization

  • Use automated systems to access our platform without permission

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of India.

13.2 Jurisdiction

Any disputes shall be subject to the exclusive jurisdiction of courts in [Your City], India.

13.3 Arbitration

Disputes may be referred to arbitration as per the Arbitration and Conciliation Act, 1996, before initiating legal proceedings.

13.4 Grievance Redressal

For complaints or grievances:

  • Contact our customer support team

  • Escalate to our Grievance Officer if unresolved

  • Approach IRDAI's grievance redressal mechanism if still unresolved

14. Insurance Ombudsman

If your grievance is not resolved satisfactorily, you may approach the Insurance Ombudsman in your region as per IRDAI guidelines.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our platform. Continued use of our services constitutes acceptance of modified Terms.

16. Termination

We may terminate or suspend your access to our services immediately, without prior notice, for:

  • Breach of these Terms

  • Fraudulent activity

  • Non-payment of premiums

  • Violation of applicable laws

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms constitute the entire agreement between you and DronyCover regarding our services and supersede all prior agreements.

19. Contact Information

For questions, concerns, or complaints regarding these Terms:

Dronycover

20. Acknowledgment

By using DronyCover's services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Important Notice: These Terms and Conditions should be reviewed by a qualified legal professional before implementation. Insurance regulations vary and this document should be customized to comply with all applicable IRDAI guidelines and Indian insurance laws.

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