TERMS & CONDITIONS

Introduction and Agreement:
ASC360 owns, operates, and maintains this website. By accessing or using our website, downloading any of our digital applications, or purchasing our adventure insurance policy, you agree to be bound by these terms and conditions. This agreement also applies when you download any applications or upgrades or continue using our website.

Acceptance of Terms:
You are deemed to accept these terms by:

  • Expressly acknowledging acceptance of these terms;
  • Downloading any of our applications or upgrades;
  • Continuing to use our website or purchasing our insurance policies.

Amendments to Terms
We reserve the right to modify these terms at any time. Reasonable efforts will be made to notify you of changes through updates on the website or other suitable means. It is your responsibility to review the terms periodically.

Permitted Use
The website is to be used exclusively for the following purposes:

  • Obtaining insurance quotes;
  • Gathering information related to our insurance coverage;
  • Conducting insurance-related transactions.

Information on the Website
We provide tools and information to help you understand our insurance coverage. However, this information is general and not professional advice. We recommend seeking independent advice for significant decisions.

Medical Evacuation
Medical evacuation under this policy is coordinated and arranged by ASC360 on a cashless basis and requires pre-approval. Policyholders must contact our helpline promptly in case of an emergency. ASC360 or the insurance company will not reimburse any evacuation costs arranged by the client, their guide, or any third party.

Liability Limitation
ASC360 acts solely as an insurance intermediary and shall not be liable for any claims beyond the policy terms. We are not responsible for losses related to delays in evacuation, hospital admission, or medical attention. ASC360 will not be held liable for any loss of life, limb, property, or other losses under such circumstances.

Chargeback and Refund Policy
The policy charge is a non-refundable general fee, irrespective of whether the policyholder utilizes the services covered by the policy. Our cancellation and refund policy outlines the conditions under which cancellations are made and refunds granted. The specifics are available in the “Cancellation Policy” section of our website.

Coverage Exclusions
This coverage does not include losses arising from government interventions, including quarantine or border closures. There is no cover for events where there is government advice warning against all travel or all but essential travel to the destination.

Linked Websites Our website may contain links to third-party websites for convenience. We are not responsible for the content or privacy practices of these websites and do not endorse any products or services offered through them.

Intellectual Property Rights All intellectual property rights (including copyrights, trademarks, patents, etc.) in this website and its content belong to ASC360 or are licensed to us, unless otherwise stated.

Indemnity You agree to indemnify ASC360, its employees, agents, and contractors against any claim arising from your breach of these terms and conditions, use of third-party website links, or use of material on our website.

Governing Law You agree to indemnify ASC360, its employees, agents, and contractors against any claim arising from your breach of these terms and conditions, use of third-party website links, or use of material on our website.

Termination ASC360 reserves the right to terminate your access to this website or any associated services at any time without notice.

Security and Privacy While we take reasonable steps to secure information transmitted to us, we do not guarantee the security of any information you transmit. You are responsible for maintaining the confidentiality of your account details.

Declaration and Consent By accepting these terms, you confirm that you understand and agree to the aforementioned points, including our limitations of liability and coverage exclusions. You agree to indemnify ASC360 against any claims arising from circumstances beyond our control. By clicking "I Agree" or proceeding with the payment, you acknowledge having read, understood, and accepted these terms and conditions.

PRIVACY POLICY

1. Information Collection : Adventure Sports Cover 360 (ASC 360) collects personal information when you register for our services or interact with our site. This information may include your name, contact details, payment information, and details about your adventure activities.

2. Information Usage : The information collected is used to provide and improve our services, process transactions, communicate with you about your coverage and other services, and comply with legal requirements.

3. Information Sharing : ASC 360 does not sell or rent your personal information to third parties. We may share your information with service providers or partners who assist us in offering our services, and as required by law.

4. Security : ASC 360 uses appropriate security measures to protect your information. However, we cannot guarantee absolute security, and by using our services, you acknowledge this risk.

5. Cookies : We use cookies and similar technologies to enhance your experience on our site. You can adjust your browser settings if you do not wish to accept cookies.

6. Third-Party Sites : Our site may contain links to third-party sites. ASC 360 is not responsible for the privacy practices of these sites.

7. Changes to this Policy : ASC 360 may update this Privacy Policy from time to time. We will notify you of any significant changes by posting a notice on our site or sending you an email.

8. Contact Us : If you have any questions or concerns about this Privacy Policy or our practices, please contact us at info@asc360.com or +91-8448765102.

By using our services, you agree to the collection and use of your information as described in this Privacy Policy.

Cancellation and Refund Policy

1. Overview:

At ASC360, we strive to make our cancellation and refund policies clear and fair. This document outlines the procedure for policy cancellation, refund eligibility, and the terms and conditions associated with them.

2. Cancellation Policy:
Cancellation Charges

  • More than 30 Days Before Policy Start Date:
    • A minimum 5% fee will apply to any cancellation made more than 30 days before the start date.
  • More than 7 Days Before Policy Start Date:
    • 30% fee if canceled within 30 to 15 days before the start date.
    • 50% fee if canceled within 14 to 8 days before the start date.
  • Within 7 Days of the Policy Start Date:
    • No refund will be provided if cancellation is requested within 7 days of the policy start date.

Non-Refundable Situations: No refunds will be issued in the following case:

  • If cancellation is requested within 7 days of the policy start date.

Example of the 7th Day Rule:

Policy Start Date: October 15, 2024
7th Day Before Start Date: October 8, 2024

  • If you cancel before October 8, 2024, you are eligible for a refund according to the policy, subject to the applicable fees.
  • If you cancel on or after October 8, 2024, it falls within 7 days of the policy start date, and no refund will be issued.

3. Refund Policy
Eligibility for Refund: Refunds may be available under these conditions:

  • More than 7 Days Before Policy Start Date: A refund may be issued if cancellation is requested more than 7 days before the policy starts.
  • Non-Transferable: The policy is non-transferable under any circumstances.

Chargeback Claim Requests:
Once the policy is active, it is non-refundable, even if no claims have been made. Chargeback claims initiated with your payment provider after purchase will not be eligible for a refund. ASC360 will contest such claims as no refunds are issued once the policy is active.

4. Policy Amendments
ASC360 allows amendments to the policy's dates or other details free of charge, provided the request is made before the policy's start date.

Important Note:
We urge all policyholders to carefully review their documents and details before the policy start date. Once the policy has started, changes cannot be made, and the details cannot be altered.

5. Refund Process
To request a refund:

  • Submit a Request: Contact ASC360 customer service via email or phone with your policy number, reason for cancellation, and any supporting documents.
  • Review: We will review your request to check if you meet the eligibility criteria.
  • Decision: You will receive a decision within 7 business days of your request.
  • Refund Payment: If approved, the refund will be processed within 14 business days after the approval of the request and will be issued to the original payment method.

6. Contact Information
For queries or refund requests, contact us at:

  • Email: info@asc360.com
  • Phone: +91-84487-65102

7. Policy Amendments
ASC360 may update this policy at any time. We will notify policyholders of any changes and update our website accordingly.

8. Dispute Resolution
If you have disputes regarding cancellation or refunds, please contact our Dispute Resolution Team at info@asc360.com with your case details.

Deliverables & Shipping POLICY

We exclusively offer electronic delivery of Certificates, invoices, SOP (Standard Operating Procedure), and vouchers via electronic mode. When you use our services, you are giving your consent to receive these Documents electronically. It's your responsibility to ensure that your email address is accurate and up-to-date. Please note that these electronic Documents hold the same legal validity as physical documents. It is advisable to keep copies and archive electronic Documents, as we cannot guarantee indefinite storage. We maintain the right to modify these terms and will provide notice through electronic communication. It's important to highlight that we do not engage in any physical deliveries; all items are delivered exclusively in electronic format.