Terms and Conditions

Welcome to RiwaPro a Digital Initiative by Carnama Infotech and BPO LLP. To avail the services offered at www.riwapro.com, you must agree to the following terms and conditions. If you visit or shop or browse at www.riwapro.com you accept these conditions.

Please read the term and conditions carefully. While using any current or future services offered by RiwaPro a digital Initiative by Carnama Infotech and BPO LLP, whether or not included in the RiwaPro website, you will abide by these Terms & conditions the guidelines and conditions applicable to such service or business.

Privacy Policy

Please reviews our Privacy Policy, which also governs your visit to www.riwapro.com, to fully understand our practices.

Terms and conditions are binding for all purchases

All orders are deemed offers for you to purchase our products. We may accept your offer by issuing a confirmatory e-mail and/or mobile confirmation of the products specified in your order. Our acceptance of each such offer is expressly subject to and conditioned on your assent to these terms and conditions of sale. No other terms and conditions will apply.

Electronic Communication

When you visit www.riwapro.com.in or send e-mails to us, you are communicating with us electronically. By communicating with us, you consent to receive communication from us electronically. We will communicate with you by e-mail or by posting notices on our website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing.

Prices

All prices posted on this website are subject to change without notice. Prices prevailing at commencement of placing the order will apply. Posted prices do includes all taxes and charges. In case there are any additional charges or taxes the same will be mentioned on the website.

Payment

all payments must be received by us prior to shipping or Issuance of Policy document ,We do not accept cash in any form ,Deposit, COD or in to our any office or Employee ,We practice 100% Digital transactions. We accept payment by Cheque,NEFT, net-banking, credit card, debit card.

Shipping and Handling

Most of our product are digital in nature and does not require shipping,To support the Go Green Initiative most of the policy documents are sent to you in digital nature only and Hard copy of the document is not sent, In case product require shipping,we will arrange for shipment of the products/Policy document to you. Shipping schedules are estimates only and cannot be guaranteed. We are not liable for any delays in the shipments. Title and risk of loss and damages pass on to you upon the products delivery to you. In case reverse shipment cannot be arranged by us due to unavailability of our logistics partners, then in that case you may be requested to send such products through any available courier services.

Return of Products by you

We will accept the return of the products, provided such return is for products that are damaged during transit, defective, wrongly delivered, wrong product, incomplete package etc. subject to the condition that we are informed about such discrepancies within 48 hours from the date of receipt of the product and provided that the products are returned in their original condition.

Free Look period conditions

RiwaPro offers 15 days Freelook policy for all Health Insurance products and 30 Days in Life Insurance products sold on www.riwapro.com, warranty for all products sold on RiwaPro (Carnama Infotech and BPO LLP), under certain conditions which are mentioned below. Customers will notify us of any damage or defect within 48 hours from the date of receipt of delivery of the products, in case customer fails to inform RiwaPro within the stipulated time frame, RiwaPro reserves the right to accept or reject such request at its discretion. RiwaPro will Endorse/Replace/Reissue the if any corrections are notified depending upon the terms and conditions of the product at no extra cost.

RiwaPro will try to replace the specific product ordered. However, the company reserves the right to offer an alternate product in case the product is out of stock/ production/In Offer

The Free Look period is valid only in cases of Misselling,Wrong Issuance, More than 5 Mistakes in Document or /and transport damages and is invalid in cases of damages due to normal wear & tear and negligence on part of the customer. The Free Look policy is also not valid for certain products such as Motor Insurance, SAAS services, SMS Gateway, TP policies etc. Should customers come across any issue with such products, they are advised to contact customer service within 48hours, failing which we may decide not take a request for replacement.

Digital content such as e-books is not returnable at all.

Changes and Cancellation

Any item additions, quantity changes or specification changes made to accepted orders will be modified in the order details. All sales are final, provided, however, item cancellations and quantity reductions may be made before the order is shipped. We may, without liability, cancel any accepted order before shipment if our credit department does not approve your credit or if there are other problems with the payment mode selected by you.

Cancellation policy is not applicable on any Membership, Contest, Discounted schemes/offers.

Free gifts does not comes under any warranty (unless under manufacture warranty). Hence, no cancellation is possible on the basis of free gifts for complete orders.

Refund

If any orders are cancelled by you after procurement, but before being shipped by RiwaPro(Carnama Infotech and BPO LLP), then RiwaPro(Carnama Infotech and BPO LLP) will charge restocking fee applicable as per the product category. International Books will attract a restocking fee of 25% of the order value. All other orders will attract a restocking fee of 10% of the order value. Refund will be made after deducting such restocking fee as applicable within 5 working days.

License and Website Access

General: RiwaPro(Carnama Infotech and BPO LLP) grants you a limited license to access and make personal use of this website and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of www.RiwaPro(Carnama Infotech and BPO LLP) No license for commercial sale: This license does not include any resale or commercial use of this website or its content; any collection and use of any product listing, description, or pricing; copying of account information for the benefit of another merchant; or any use of data mining, or similar data gathering and extraction tools.

No framing: You may not frame or utilize framing technologies to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of RiwaPro(Carnama Infotech and BPO LLP and its affiliates without the express written consent.

Metatags: You may not use any met tags or any other ‘hidden text’ utilizing (RiwaPro)’s name or trademarks without the express written consent of RiwaPro in. Any unauthorized use terminates the permission or license granted by RiwaPro(Carnama Infotech and BPO LLP).

Your Account

Protection of Your Account: As discussed further in the website’s privacy policy, by using this website, you agree that you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and agree to accept responsibility for all activities that occur under your account or password.

Use by Children: As discussed further in the website Privacy Policy, RiwaPro(Carnama Infotech and BPO LLP) does sell products for children, but it sells them to adults. If you are under age of 18 years, you may use RiwaPro(Carnama Infotech and BPO LLP) only with involvement of a parent or guardian. RiwaPro(Carnama Infotech and BPO LLP) and its affiliates reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.

Reviews, Comments, Communications, and other content

Nature of content: Visitors to RiwaPro(Carnama Infotech and BPO LLP) may post reviews, comments and other content; send e-cards and other communications; and submit suggestions, ideas, comments, questions or other information, as long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights to otherwise injuries to third party or objectionable and does not consist of or contains software virus, political campaigning, commercial solicitation, mass mailing or any form of spam.

False information: You may not use false email address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. Inifbeam.com reserves the right (but not the obligation) to remove or edit such content but does not regularly review posted contents.

Rights Granted: If you do post content or submit material and unless we indicate otherwise, you grant RiwaPro(Carnama Infotech and BPO LLP) and its affiliates a non-exclusive, royalty free, perpetual, irrevocable, and fully sub-licensed right to use, reproduce, modify, adapt, publish, translate, create derivative work from, distribute, and display such content throughout the world in any media. You grant RiwaPro(Carnama Infotech and BPO LLP) and its affiliate sites and sub-license the right to use the name that you submit in connection with such content if RiwaPro(Carnama Infotech and BPO LLP) chooses.

Right Owned: You represent and warrant that you own all the rights or otherwise or control all of the rights to the content that you post; that the content is accurate; that the use of the content to supply does not violate this policy and will not cause injury to any person or entity and that you will indemnify I RiwaPro(Carnama Infotech and BPO LLP) its affiliate for all claims resulting from the content you supply. RiwaPro(Carnama Infotech and BPO LLP) has the right but not the obligation to monitor and edit or remove any activity or content.RiwaPro(Carnama Infotech and BPO LLP) takes no responsibility and assumes no liability for any content posted by you or any third party.

Risk of Loss

All items purchased from RiwaPro(Carnama Infotech and BPO LLP) are made pursuant to the shipment contract. This means that the risk of loss and title for such item passes on to you upon the products delivery.

Product Description

RiwaPro(Carnama Infotech and BPO LLP) and its affiliates attempt to be as accurate as possible. However, RiwaPro(Carnama Infotech and BPO LLP) makes not warranties that the product description and any other content of its site are accurate, complete, reliable, and current or error free. The product offered by RiwaPro(Carnama Infotech and BPO LLP) itself is not as described and its sole remedy is to return in its unused condition.

Site Policies, Modification, and Severability

Please review our other policies. We reserve the right to make changes to our website, policies, and these Terms and Conditions at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and will not affect the validity and enforceability of any remaining conditions.

Intellectual Property Rights

Copyright Protection All content included on this site, such as text, graphics, logos, button icons, audio clips, digital downloads, data compilations and software, is the property of RiwaPro(Carnama Infotech and BPO LLP) or its affiliate sites and protected by the Indian Copyright law. The compilation of all the content on this site is the exclusive property if RiwaPro(Carnama Infotech and BPO LLP) and protected by Indian Copyright law. All software used in this site is the property of RiwaPro(Carnama Infotech and BPO LLP) and is protected under the Indian Copyright law.

Trademarks:

i. Protected Marks: RiwaPro, www.RiwaPro(Carnama Infotech and BPO LLP),User Interface & design, RiwaPro(Carnama Infotech and BPO LLP) books, products, and other marks indicated on RiwaPro website are registered trademarks of RiwaPro(Carnama Infotech and BPO LLP).

ii. Protected Graphics: All RiwaPro(Carnama Infotech and BPO LLP) graphics, logos, page headers, button icons, scripts and service names are trademarks or trade dress of RiwaPro(Carnama Infotech and BPO LLP). RiwaPro(Carnama Infotech and BPO LLP)’s trademarks and trade dress may not be used in connections with any product or service that is not of RiwaPro(Carnama Infotech and BPO LLP). All other trademarks not owned by RiwaPro(Carnama Infotech and BPO LLP) or its affiliates that appear on RiwaPro(Carnama Infotech and BPO LLP) or its affiliate sites are the property of their respective owners, who may or may not be affiliated with, connected to, associated with RiwaPro(Carnama Infotech and BPO LLP) or its affiliates.

Governing Law and Jurisdiction

These terms and conditions will be construed only in accordance with the laws of India. In respect of all matters/disputes arising out of, in connection with or in relation to these terms and conditions or any other conditions on this website, All Disputes are subject to the exclusive jurisdiction of competent courts and forums in Delhi only.

Disclaimer of warranties and Limitation of Liability

THIS SITE IS PROVIDED BY RiwaPro(Carnama Infotech and BPO LLP) ON AN “AS IS” AND “AS AVAILABLE” BASIS.RiwaPro(Carnama Infotech and BPO LLP) MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, RiwaPro(Carnama Infotech and BPO LLP) DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Www.riwapro.com DOES NOT WARRANT THAT THE SITE, ITS SERVERS, OR EMAIL SENT FROM RiwaPro(Carnama Infotech and BPO LLP) ARE FREE OF VIRUS OR OTHER HARMFUL COMPONENTS. RiwaPro(Carnama Infotech and BPO LLP) WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES.