We at Sadravya Finance Private Limited (“our”, “us”, “we”, “Company”,) have created a product “Houble” which is a Single platform for Various health insurance services with the help of its associate partners to simplify the process for buying insurance & other related services from multiple service providers and Insurance companies and we are happy to have you with us. Please read these terms of use (“Terms”) carefully before you use the product since they constitute the agreement between: (a) you; (b) us; (c) Star Dental Centre Private Limited and (d) Care Health Insurance Limited.
For your ease, we have provided summaries of some crucial Terms. However, in case of any conflict between the summaries and these Terms, the Terms shall prevail.
These Terms incorporate the following documents (including all their variants and updates) by reference: (a) the Houble Privacy Policy; and (b) the agreement(s) executed by you (and co-applicants, members, nominees, if any) for availing the Services (as defined in the Sections below) from us, our Affiliates. By accessing or using our Services or the Services of our Affiliates, you agree (on behalf of yourself and your co-applicants, members, nominees, if any) to be bound by these Terms and to the collection and use of your information as set forth in Houble Privacy Policy.
All our Services are subject to applicable laws, government notifications, the rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority (“IRDAI”), and any other regulatory bodies defining the rules/regulations governing the offer of any Services on the Platform.
We may revise these Terms as well as update the Website, App and Services from time to time, so please keep visiting this page regularly. If you do not agree with any part of these Terms, please stop using the App immediately. If you have any queries or concerns regarding these Terms, please contact our Grievance Officers (please refer Clause 4 of Section 1, Clause 4 of Section 2 and Clause 4 of Section 3 below for details of our Grievance Officers).
We help you avail insurance policies easily. You must be legally permitted to enter into a contract and provide the information and permissions we need in the manner we ask for.
I. Eligibility: You may use our Services only if you are legally permitted to do so under applicable laws. If we discover that any person using our Services is not capable of entering into a legally binding contract, we may immediately terminate their Account. Do note that if you avail a policy through the website & App, the terms of the policy will be governed by the applicable Policy Document.
II. What you get from us: We allows you to acquire a health insurance policy from our Insurance Partner in a seamless and paperless manner (“Services”) We may add or subtract from the Services we are providing from time to time.
III. Signing up to use our Services: : In order to use the App & Website, you must create a profile (“Houble Account”) with us through the App or Website. To create a Account, you must provide us with your phone number, which we will authenticate with a one-time password. You must also permit us to gain access to your Financial SMSs, contacts, location data, storage and such other device data as we may require providing our Services to you. You must provide us with the following details (with supporting documents to the satisfaction of our Insurance Partner):
a) Your Name.
b) Mobile Phone Number.
c) Date of Birth.
d) Health and Lifestyle related details.
e) Details relating to nominees and other covered members; and/ or
f) Such other documents and/ or information as may be requested by the Insurance partner from time to time.
You should add the information and documents requested in the manner prompted on the App & Website. If you revoke any of the mandatory permissions sought by the App required for fraud prevention, collection of premiums and underwriting purposes, then you will have limited usage of the App. You also hereby authorize us and the Insurance Partner to carry out your instructions, effecting such transactions as may be permitted on the App or by the Insurance Partner, from time to time, in accordance with these Terms and such other terms as may be specified by us or the Insurance Partner.
We and the Insurance Partner reserve the right to store information on your device in the form of cookies or similar file for purposes of modifying the App & Website to reflect your preference. The App is deemed to be in use when it is loaded in a temporary or permanent memory of your device.
The Houble Privacy Policy details the nature and type of information we collect and process (either for ourselves or on instructions and on behalf of our Insurance Partner) to enable the setting up of a Houble Account, completing KYC processes or to provide such information to our Insurance Partner as it may need to issue the policy or disburse claims. If the information provided by you does not, in our sole discretion based on our internal policies, amount to reliable information or appears to be fraudulent, then we will not allow you to open a Account and you shall not be eligible to apply for a policy using the App & Website. If we discover any deficiency in the information provided by you on a later date, then we may terminate your Account. Please note that we may add further verification procedures in the future, whereby you may be required to provide us with more information.
Summary: Through your Houble Account we help you avail an insurance policy from our Insurance Partner and provide the best estimates of the premium amounts and the terms of the policy. Our Insurance Partner will, alone, decide whether to offer you an insurance policy or not. If you have availed an insurance policy, the terms of your policy will be provided in the Policy Document executed between you and our Insurance Partner.
i. Your insurance is going to be sanctioned by our Insurance Partner and be governed by the applicable Policy Document. The details of such policy, however, shall be shown on the App & Website.
ii. Once your Account has been set up, then basis the information you provide us and the information we collect from your device and through other lawful means (as detailed in the Houble Privacy Policy), we will inform you of the premium estimate for the applicable insurance product. The estimate given for the products is approximate and is not final and binding. Our Insurance Partner takes the decision on whether to issue an insurance policy or not, and the terms of such policy.
iii. The final premium quotation for the insurance product availed by you may be viewed by clicking on the “Continue to Buy” button. In the event you do not agree with the final premium quoted by us, you may, at your sole and absolute discretion decide not to proceed with purchasing the policy.
iv. If you are availing an insurance product, once the Insurance Partner accepts the proposal, we will issue the relevant Policy Documents to you with respect to the insurance product.
v. Our Insurance Partner shall directly disburse the claim amounts, as stated under the Claim Form or on the App & Website, website while filing for the claim, to the bank account of your choice. Prior to making this transfer, however, our Insurance Partner will need to verify your bank account.
vi. Please note that a copy of your insurance policy, due dates for payment of premiums, option to renew your insurance policy, initiating the claims process and other updates on your insurance policy are made available through the App & website. Given these reasons and for facilitating a seamless digital journey, you are advised not to remove the App from your mobile device until the policy has expired.
vii. We and the Insurance Partner have provided relevant information in relation to the Services on the App. In the event you require any further information or assistance, you may contact us at Email: support@sadravya.com. Any decision to purchase any policy/product of the Insurance Partner will be based solely on your independent evaluation of the policies/products of the Insurance Partner, and your need for the same. You shall be responsible to assess and determine whether the policies/products offered by the Insurance Partner satisfy your requirements. Additionally, you will be responsible for assessing the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the App & Website and you should consult their own legal counsel, business advisor and tax advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given.
viii. For any transaction on the App & Website, which is permitted by the Insurance Partner, from time to time, the Insurance Partner’s records of such transactions shall be accepted as binding for all purposes. The record of the transaction as produced from the systems of the Insurance Partner shall be conclusive proof of the genuineness, authenticity, and accuracy of such transaction.
ix. Customer are eligible for refund subject to the insurance provider T&C.
Summary: We are an insurance policy agent and not an insurance provider. We provide our Services ‘as is’, and we make no promises or guarantees about these Services. We will not be liable for damages or losses arising from your use or inability to use the Service or otherwise arising under this arrangement.
Houble only helps you to buy insurance policies, i.e., we are only a agent. You are contracting a service directly with our Insurance Partner. We accept no responsibility for the provision of Services by our Insurance Partner. Our responsibility is limited to connecting you to the Insurance Partner, displaying your eligibility for an insurance policy and the terms of your policy. We accept no responsibility for the terms that we communicate to you in good faith. We are not liable for any losses that may occur as a result of the acts or omissions of the Insurance Partner. We do not accept responsibility for any amounts transferred to your bank account or any remittance to your account that has failed. However, we shall undertake all reasonable steps to ensure such actions do not take place. In case you are facing any issues on the amount remitted to the designated bank account, please write to support@sadravya.com immediately.
Unless otherwise expressly stated, we or the Insurance Partner make no representation that materials on the App & Website are appropriate or available for use in any location. Those who choose to access the App & Website are responsible for compliance with local laws. The services/products which are part of the App & Website do not constitute an offer to sell or a solicitation of an offer to buy any policies/products to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
Except as specifically set forth herein the information contained on the App & Website is not an offer to sell any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.
The App & Website and Services are provided on an “as is” basis without any representation or warranties, express or implied except otherwise specified in writing. We do not warrant the quality of the Services or the App & Website, including its uninterrupted, timely, secure or error-free provision, continued compatibility on any device, or correction of any errors. In no event shall we or any of our affiliates, successors, and assigns, and each of their respective investors, directors, officers, employees or agents be liable for any special, incidental, punitive, direct, indirect or consequential damages or losses suffered (including, but not limited to, damages caused by any virus, personal injury, loss of profits, data or other intangible, business interruption, loss of privacy, or any other pecuniary loss) arising out of or in any way connected with the use/delivery/performance of the App & Website, with the delay or inability to use the App & Website or any links or items on the App & Website, the provision of or failure to provide Services, or for any information, software, products, services and related graphics obtained through the App & Website, or otherwise arising out of breach of the Terms by another user or reliance on any of the Services or the App & Website, whether based on contract, tort, strict liability or otherwise, or for cost of procurement of substitute goods and repair & correction services or messages received or transactions entered into through or from the App & Website or resulting from unauthorized access to or alteration of your transmissions or data, even if you have been advised of the possibility of such damages.
In the event any exclusion contained herein is held to be invalid for any reason and we or any of our affiliate entities, officers, directors or employees become liable for loss or damage, then, any such liability shall not exceed the amount of premium paid by you, if any, for accessing the App & Website.
You may reach out to the Grievance Officer at: support@sadravya.com to enquire about your concerns.
In order to address any grievances that you may have regarding the insurance policy, please contact our Grievance Officer in the following manner:
i. Name: Mr. Neelesh
Email: support@sadravya.com
Address : 701, Best Sky Tower, Netaji Subhash Place, Delhi- 110034
Contact: 01147454000
ii. If your issue remains unresolved within 30 days of lodging a complaint with us (in accordance with (a) above) and you wish to pursue other avenues for redressal of grievances, you may approach the IRDAI. The relevant contact details are provided below:
General Manager
Consumer Affairs Department- Grievance Redressal Cell, Insurance Regulatory and Development Authority of India Sy.No.115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad – 500032.
Toll Free Number: 155255 or 1800 4254 732
Email ID: complaints@irdai.gov.in
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