One Assist UPI TnC
MITC
• Basic benefits –
• Active period of Membership:
1 month from plan purchase
• Documentation:
For UPI protection:
Documentsrequired for filing claims may include, inter alia:
1. UPI Statement
2. FIR/Police Intimation
3. Duly filled laim Form
4. Confirmation for blocking the UPI account
5. Any other document as required by the insurer
• Admissibility Guidelines:
For UPI fraud protection: Claims reporting to be done within 24 hours of
discovering the loss.
• Cancellation Grids:
Not applicable for this plan.
• How to raise claim –
For claims related to UPI frauds and other features, you can raise a service request through our toll-free number – 18001233330 within 24 hrs of discovering the loss.
Terms & Conditions
Congratulations on purchasing this servicing plan. Please read the terms and conditions, so that you understand the coverage under this plan.
STANDARD TERMS AND CONDITIONS
1. DEFINITIONS
1.1 Plan(s): shall mean either or all of the products/ services package offered by OneAssist from time to time, which products/services may have optional add-on components or features, details of which are mentioned in the Welcome letter kit / Welcome email / Welcome message.
1.2 Plan Fee: shall mean the fees charged by OneAssist from time to time for the Plan(s) availed by the Customer and set out in the respective Plan Terms. The Plan Fee is applicable for the respective duration of the plan as mentioned below. The Plan Fee is inclusive of all applicable taxes.
1.3 Plan Terms: shall mean the specific terms and conditions separately provided with the Terms herein which shall be specifically applicable in relation to each Plan(s).
1.4 Cancellation Period: shall mean the number of days from the date of activation of the Plan(s) within which the Customer may cancel the Plan(s) and obtain a full refund of the Plan Fee.
1.5 Service Partner: means any third-party logistics or repairs service provider affiliated with OneAssist. 1.6 Personal Information/Data: shall mean and include such personal and financial information of the Customer relating to his/her data /or documents, in any medium including financial information such as bank account or credit card or debit card or other payment instrument details, identification document details including passport, PAN card details, driving license, etc.
2. PURPOSE
2.1 These terms and conditions (“Terms”) shall govern the transaction between OneAssist Consumer Solutions Private Limited (“OneAssist”) and the party whose name appears on the Order (“Customer”) in relation to the Plan(s) provided by OneAssist.
2.2 These general terms and conditions define the framework and the respective obligations of the parties. Specific terms and conditions relating to the specific Plan(s) that has been availed or subscribed to by the Customer supplementing or derogating from these general terms and conditions may be agreed to in the Plan Terms in writing which shall be annexed to this Terms.
2.3 Customer acknowledges the receipt of the Terms and the Plan Terms, as applicable and agrees to be fully bound by the Terms and the relevant Plan Terms. In the event, the Customer avails of any service or benefit under any of the Plan Terms, or lodges a service request within the term of the Plan, the Customer shall be deemed to have accepted the Terms unconditionally.
3. CUSTOMER CONSENTS AND CONFIRMATIONS
3.1 Further, the Customer has and hereby consents to the use of the Personal Information by OneAssist for the purposes of providing the various services under the Plan(s) offered by OneAssist. OneAssist respects the privacy of the Customer and the confidentiality of Customer’s Personal Information so collected by OneAssist by itself or on its behalf and shall take all reasonable steps to protect it and maintain its confidentiality.
3.2 The Customer also hereby consents to the Personal Information being disclosed by OneAssist to any third party including any Service Partner of OneAssist who will be either providing the benefit and/or services on each of the Plan(s) for the purposes of fulfilment of the services or if required by law.
3.3 The Customer expressly and without limitation, consents to OneAssist or its Service Partners recording phone calls between the Customer and OneAssist on OneAssist’s helpline numbers set out in the relevant Plan Terms in order for OneAssist to inter alia (i) provide a record of the instructions received from the Customer and to share the same with the Service Partners, if required, (ii) allow itself or its Service Partners to monitor quality standards, (iii) training purposes, and (iv) meet legal and regulatory requirements.
3.4 The Customer acknowledges that OneAssist has the sole right to vary the features/benefits under the Plan(s) or the Plans or the amount or rate of the Plan Fee or part thereof, from time to time.
3.5 The Customer hereby provides his/her consent to OneAssist for appointing employees/collection agents to collect amounts payable to OneAssist, as may be considered necessary in the sole discretion of OneAssist and which shall be at the sole risk and cost of the Customer.
3.6 The Customer acknowledges that OneAssist may engage third parties including Service Partners for the fulfilment of the services and the Customer hereby consents to OneAssist disclosing, to the extent relevant, the Customer’s Personal Information and/or details of Plan(s) availed by the Customer to inter alia (a) our affiliates Service Partners (b) to our suppliers, vendors, for the purposes of servicing the Customer.
3.7 The Customer hereby consents to OneAssist identifying any other service providers and/or products that may be of some interest to the Customer.
3.8 The Customer hereby consents to receiving period SMS / WhatsApp message / email communication from OneAssist of information pertaining to its product features / services.
4. TOTAL FEES/CHARGES
4.1 OneAssist shall charge the Plan Fee from the Customer for availing of the Plan(s) from time to time and for the duration of the respective Plan. The Plan Fee shall be payable in advance and the Customer may make a one time payment of the Plan Fee for the applicable period or authorize OneAssist with appropriate debit instructions to deduct the Plan Fee from the Customer’s bank or credit/debit card from time to time including applicable taxes and levies.
4.2 The Plan Fee(s) for the respective Plan(s) shall be as more particularly set out in the Plan Terms. 4.3 Activation of OneAssist Plan(s) is subject to realization/receipt of the Plan Fee by OneAssist.
5. PROCESSING OF SERVICE REQUESTS
5.1 Any service request made by the Customer under these Terms and Plan Terms shall be subject to the following: a) The Customer having met and complied with the Terms and the Plan Terms (as applicable). This also applies to terms and conditions set out herein and any others which may be added to the Terms and/or the Plan Terms and communicated to the Customer at a later date;
b) The Customer having provided OneAssist with full and accurate information in connection with the coverage, as applicable;
c) The Customer having acted in a bona fide manner to make a service request;
5.2 Notwithstanding anything contained hereinabove, OneAssist shall not be obliged to entertain any service request from the Customer unless the Plan Fee up to the date of service request has been paid.
6. CANCELLATIONS/ RENEWAL/TERMINATION
6.1 OneAssist will cancel the Terms and/or the Plan Terms if OneAssist does not receive the Plan Fee (all inclusive) on the date it is due.
6.2 OneAssist will cancel the Terms and/or the Plan Terms if the Customer has at any time: a) agreed to help any third party to try to fraudulently or dishonestly obtain money from OneAssist; or b) is in violation of applicable law as may be relevant to the use of the Plan(s); or
c) failed to meet the Terms and/or the Plan Terms, or to act in good faith, openly, honestly and in a bona fide manner towards OneAssist including by providing false or inaccurate information; and
d) Customer fails to return to OneAssist or its authorized Service Partner(s)any goods/devices temporarily lent to him/her or money advanced on an emergency basis to him/her or tickets or hotel bookings made on behalf of the Customer and which are to be returned/reimbursed/paid as per the terms of the Plan to OneAssist or to its authorized Service Partner.
6.3 If notice of termination is provided by the Customer within the Cancellation Period, a full refund is available. However, if the Customer has lodged a service request or availed of any benefit under any of the Plan Terms at any time during the Cancellation Period, no refund will be available. After the expiry of the Cancellation Period, for any cancellation by the Customer, OneAssist will not refund the Plan Fee.
6.4 No cancellation/ refund allowed for this plan.
The above refund percentage is on Plan Fee.
7. CONFIDENTIALITY
7.1 OneAssist shall make reasonable efforts to ensure that the Personal Information of the Customer is kept confidential and not disclosed to any third party except to the extent required for fulfilment of services.
8. REPRESENTATIONS AND WARRANTIES
8.1 The Customer is in compliance with the applicable law as may be relevant for the Plan (s) which is availed of by the Customer
8.2 The Personal Information provided by the Customer for the purposes of availing of the Plan(s) is and shall be true and accurate.
9. OBLIGATIONS AND COVENANTS OF THE CUSTOMER
9.1 The Customer undertakes that he/she shall strictly comply with the terms of usage contained in the Plan Terms in relation to the use of the Plan(s).
9.2 The Customer undertakes and covenants that he/she shall not use / make use of the Plan(s) to or in the course of usage of the Plan(s), upload, display, publish, update, disseminate or transmit content or information that: a) belongs to another person and to which the user does not have any right to or which is confidential; b) is an impersonation of another person, grossly harmful, harassing, blasphemous defamatory, obscene,
pornographic, paedophilic, libellous, 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;
c) harm minors in any way;
d) infringes any patent, trademark, copyright or other proprietary rights;
e) deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
f) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or
g) Threatens the unity, integrity, defense, security or sovereignty of India or seditious, 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 to any other nation or violates any other provision of law.
10. LIMITATION OF LIABILITY
10.1 OneAssist shall not be liable for any incidental, consequential, exemplary, special or indirect damages (including, but not limited to, loss of profits, revenues, data and/or use). OneAssist disclaims all implied warranties of merchantability, fitness for a particular purpose, and non-infringement. OneAssist’s total liability under the Terms and/or the relevant Plan Terms shall not exceed the Plan Fee.
11. INDEMNITY
11.1 The Customer hereby agrees to defend, indemnify and hold OneAssist and its officers, directors, employees and subcontractors harmless from any and all losses, damages, liabilities, verdicts, settlements, judgments, costs, and expenses (including reasonable attorneys' fees) incurred by OneAssist or its officers or employees arising out of:
a) any wrongful act or omission of the Customer in relation to the usage of the Plan(s);
b) any wilful misconduct, gross negligence or fraud by the Customer;
c) any failure of the Customer to comply with the applicable law;
d) any breach of the representations, warranties, obligations and covenants of the Customer or a default of the Customer’s obligations; and
e) any third-party claims arising out of the Customer’s use of the Plan(s).
11.2 This indemnity will survive the termination of the Terms and/or the Plan Terms and is in addition to and not in substitution of the other remedies and rights that OneAssist may have, either at law in the Terms and/or the Plan Terms
12. NOTICES
12.1 Any notice required under the Terms and/or the relevant Plan Terms must be in writing and must be either (a) delivered in person, (b) sent by first class registered mail, or air mail, as appropriate, or (c) sent by overnight courier, in each case properly posted and fully prepaid to the appropriate address set forth herein.
OneAssist Consumer Solutions Private Limited
Third Floor Fleet House, Next to Marol Naka Metro Station, Andheri - Kurla Rd, Gamdevi, Marol, Naka, Mumbai, Maharashtra 400059
13. MISCELLANEOUS
13.1 The Terms will inure to the benefit of the legal successors of OneAssist. Other than as stated above, no assignment of the Terms is possible.
13.2 OneAssist will not incur any liability to the other party on account of any loss or damage resulting from any delay or failure to perform all or any part of these Terms if such delay or failure is caused, in whole or in part, by events, occurrences, or causes beyond the control and without negligence of the parties. Such events, occurrences, or causes will include, without limitation, acts of God, bandhs, riots, acts of war, natural disaster, fire, epidemic, quarantine restrictions, outbreak of debilitating disease and any travel restrictions or bans (including bans on non-essential travel) issued by any governmental authority, lockout and explosions, or any other events reasonably beyond the control of either party.
13.3 OneAssist reserves the right to amend the Terms and/or the Plan Terms and/or the features or pricing of the Plans. Upon such amendment, such terms will become applicable immediately and will be intimated to the Customer in due course. If the Customer does not accept the amendment of the Terms and/or the Plan Terms, he shall have the right to terminate Terms and the Plan Terms with appropriate notice as may be specified in section “CANCELLATIONS/ RENEWAL/TERMINATION”. The alteration of the Terms and/or the Plan Terms shall be deemed accepted where the Customer continues to use the services available under the Terms and/or the Plan Terms one (1) month after the amendment has taken effect.
13.4 The Terms along with the relevant Plan Terms constitutes the entire agreement between the parties with respect and in relation to the Plan (including any modification or amendment thereto) subscribed or availed of by the Customer and supersedes all previous communications, representations, understandings, and agreements, either oral or written.
13.5 The Agreement shall be governed by the laws of the Republic of India.
13.6 All disputes arising in connection with the Terms and/or the respective Plan Term(s) shall be finally settled by arbitration pursuant to the rules of the Arbitration and Conciliation Act, 1996, by one arbitrator appointed in accordance with the said Rules. The seat of arbitration shall be Mumbai. The language of the arbitration proceedings shall be English. The decision of the arbitrator shall be final and binding on the parties.
OneAssist provides the following features under this plan from the time of plan activation:
Please note the following T&Cs for the above given features:
1-call to block all assets:
1. Customer must provide and promptly update all his Card details with OneAssist.
2. In case of a fraud, you may reach out to us at 1800 123 3330. In the event of theft or loss of wallet, the Customer has to immediately call OneAssist to report the loss of the wallet. In order to give a request to block any Card, the Customer should provide relevant details for Cards with OneAssist prior to placing the request for blocking. In the event that customer input is required in the form of confidential personal
information number (PIN) or a telephone identification number (TIN) (which cannot be disclosed to a third party), OneAssist will assist the Customer by conferencing the Customer on the telephone call with the Issuer in order for the Customer to provide such PIN/TIN for authentication purposes.
3. In case the Customer has not shared the details of a particular Card with OneAssist and requests the same to be blocked Card, with OneAssist shall attempt to block the same help of other details provided by the Customer on a best effort basis.
4. The Customer must follow the Issuer's instructions and meet all the Issuer when using the Cards. OneAssist will not facilitate payment of any claim where the Issuer informs OneAssist of the Customer noncompliance or breach of the Issuer's terms. The decision of the Issuer in this regard will be final.
5. The Customer hereby consents to OneAssist acting on its behalf and to do all such acts necessary in the performance of its obligations as set out herein via the Issuer.
m-wallet/ UPI fraud protection:
Claim settlement shall be at the sole discretion of the insurance Company The Insurer under policy is covered under:
• Computer Fraud
• Phishing Attack
• Un-Authorized use of money from M-Wallet/UPI of Insurer due to loss of phone of the Insurer
Condition of Coverage:
1. The Customer shall, within 24 hours upon any loss or fraudulent use of M-Wallet/UPI, report the same to OneAssist by calling OneAssist toll free number
2. Customer shall immediately inform the M-Wallet/UPI provider for blocking of their M-Wallet/UPI. 3. Cover shall only apply to losses, occurring to a maximum of 10 Days prior to the reporting of the claim by customer
4. This only covers money in customers M-wallet/UPI.
5. The maximum aggregate liability is restricted upto the value of sum insured
Exclusions of M-Wallet /UPI Insurance Cover:
1. Consequential loss: Consequential loss directly or indirectly arising from or in connection with any Loss, unless covered under Extension of Covers:
• Data Reconstitution Costs,
• Interest' or
• Investigation Costs.
2. Fire- Loss caused by any fire
3. Intellectual property rights and Trade secrets Loss of or arising from the accessing of any confidential information including but not limited to trade secrets, computer programs, customer information, patents, trademarks, copyrights or processing methods, except to the extent that any such information is used to support or facilitate the committing of a Criminal Act covered by this policy.
4. Insured take all reasonable care and precautions to prevent accident, loss or damage and to act prudently to minimize any claim arising out of an insured peril
5. Kidnap and Ransom Loss arising from or in connection with kidnap, ransom or any threat thereof 6. Loss arising due to gross negligence on your part including but not limited to sharing of One-Time password/PIN with anyone.
7. In case of mis-representation of facts by the insured person with regards to the loss details/claim details/cause of loss etc., the claim would be inadmissible
8. Claim is inadmissible in case card issuing bank/ authority reverses the transactions or reimburses the customer up to the loss.
9. Losses due to cyber-crimes on any digital platforms or financial institution.
• Loss incurred due to erroneous debits arising on fraudulent or other transactions, on account of system or technology related fault.
• Loss incurred due to failure of security mechanism of the financial institution/digital wallet platform.
• Any transactions not confirmed by the host website or the authorized financial institution. • Any errors made by the host website or the authorized financial institution
10. Territorial limits Loss arising from a Criminal Act occurring outside of the Territorial Limits a mentioned in Item 6 of the Schedule
11. Trade finance and Trade loans
Loss resulting from the full or partial non-payment of or default under any:
• credit agreement, extension of credit or hire purchase agreement;
• loan or transaction of the nature of a loan;
• lease or rental agreement; or invoice, account, agreement or any other evidence of debt. However, this exclusion shall only apply to External Crime and then shall not apply to any Loss where the Insured has relied or acted upon any document that contains Forgery, Fraudulent Alteration or Counterfeit of currency notes or coins.
12. War Loss arising out of the consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, terrorism, rebellion, revolution, insurrection or military or usurped power or confiscation, nationalization, requisition, destruction of or damage to Property by or under the order of any government or public or local authority.
13. Prior or subsequent discovery of loss Loss the Insured Discovered:
• prior to the commencement of the policy period; or'
• subsequent to the expiry of the Policy Period or Extended Discovery Period (if applicable). List of documents required for filing claims are:
• M-Wallet/UPI Statement
• FIR/Police Intimation
• Claim Form
• Confirmation for blocking the M-Wallet/UPI account
• Any other document as required by the insurer
14. SERVICE REQUEST PROCESS
1. You should log in your service request by calling our 24x7 toll-free helpline (1800-123-3330). You can also raise a service request using the OneAssist website/Android and iOS Apps.
2. You should fill in the required details detailing the issue that you are facing. Please note that you should provide complete and accurate information describing the issue faced.
3. Depending upon your product and/or the nature of issue faced by you, you may be asked to follow some trouble shooting steps before registering a service request. Please follow the troubleshooting steps before registering the request.
4. For m-wallet/UPI fraud claims, customer needs to place the request by calling our 24x7 toll-free helpline (1800-123-3330). Following documents are required for servicing of m-wallet/ UPI claims: a. M-Wallet/UPI Statement
b. FIR/Police Intimation
c. Claim Form
d. Confirmation for blocking the M-Wallet/UPI account
e. Any other document as required by the insurer
5. OneAssist team registers the service request and sends copies of claim form to be filled and required documentation details to the customer over email.
6. Customer is required to submit scanned copy of claim form duly filled up and signed by the customer along with the supporting documents mentioned above.