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Terms & Conditions

carnivalassure.com.bd ('Website') a business segment of Carnival Assure Limited (‘Carnival Assure’) recognizes the importance of maintaining your privacy. carnivalassure.com.bd is committed to maintain the confidentiality, integrity and security of all information of our users. This Privacy Policy describes how carnivalassure.com.bd handles certain information it may collect and/or receive from you via the use of this Website. Please see below for details on what type of information we may collect from you, how that information will be used in connection with the services offered through our Website and how the information will be shared with our business partners. This Privacy Policy applies to current and former visitors to our Website and to our online customers. By visiting and/or using our website, you agree to this Privacy Policy.

By using the carnivalassure.com.bd and/or registering yourself at carnivalassure.com.bd you authorize Carnival Assure Limited (including its representatives, affiliates, and its business partners) to contact you via email or phone call or SMS and offer you our services for the product you have opted for, impart product knowledge, make promotional offers running on carnivalassure.com.bd and / or offered by its business partners and associated third parties, for which reasons your information may be collected in the manner as detailed under this Policy. You hereby agree that you authorize carnivalassure.com.bd to contact you for the abovementioned purposes even if you have registered yourself under carnivalassure.com.bd. Your authorization, in this regard, shall be valid as long as your account is not deactivated by either you or us.

Controllers of Personal Information
Your personal data will be stored and collected by Carnival Assure Limited.

Purposes of collection of your data
carnivalassure.com.bd collects your information when you register for an account, when you use its products or services, visit its Website pages. When you register with carnivalassure.com.bd, you are asked for submitting certain information which may be personal to you such as first name, last name, state and city of residence, email address, mobile number, date of birth etc. Once you register at the Website and sign in you are not anonymous to us. Also, you will be asked for your contact number during registration and may be sent SMSs, notifications about our services to your wireless device. Hence, by registering you authorize carnivalassure.com.bd to send texts and email alerts to you with your login details and to communicate with you about other service requirements, including promotional mails and SMSs.

We use your information in order to:

Some features of this Website or our Services will require you to furnish your personally identifiable information as provided by you under your account section on our Website.

Information Sharing and Disclosure
Carnival Assure may share your Information submitted on the Website to any third party/service provider/business partner without obtaining your prior consent in the following limited circumstances:

1. When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms and Conditions; for complying with the applicable laws and regulations.

2. Carnival Assure proposes to share such information within its group companies and officers and employees of such group companies for the purpose of processing personal information on its behalf. We also ensure that these recipients of such information agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.

3. Carnival Assure may use third-party advertising companies to serve ads when the user visits the Website. These companies may use personal information about the user’s visit to the Website and other websites in order to provide advertisements about goods and services of interest to the user.

4. Carnival Assure shall transfer information about you in case Carnival Assure is acquired by or merged with another company.

We Collect Cookies
A cookie is a piece of data stored on the user's computer tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer’s hard drive for an extended period of time. Session ID cookies may be used by PRP to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing. Persistent cookies may be used by PRP to store whether, for example, you want your password remembered or not, and other information. Cookies used on the PRP website do not contain personally identifiable information.

Log Files
Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.

Email opt out
If you are no longer interested in receiving e-mail announcements and other marketing information from us, please e-mail your request at: info@carnivalassure.com.bd. Please note that it may take about 10 days to process your request.

Security
We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Further, you are responsible for maintaining the confidentiality and security of your login id and password and may not provide these credentials to any third party.

Third Party Advertising
We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Website. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to this Website in order to provide advertisements on this Website and other third-party websites about goods and services that may be of interest to you.

We use third-party service providers to serve ads on our behalf across the internet and sometimes on this Website. They may collect anonymous information about your visits to Website, and your interaction with our products and services. They may also use information about your visits to this and other Websites for targeted advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major Websites. No personally identifiable information is collected or used in this process.

There might be affiliates or other sites linked to carnivalassure.com.bd. Personal information that you provide to those sites are not our property. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies of these website when you visit them.

Changes in this Privacy Policy
Carnival Assure reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review the privacy policy.

Grievance Officer
In case you have any grievances with respect to in accordance with applicable law on Information Technology and rules made there under, the name and contact details of the Grievance Officer are provided below:

Imtiaz Noor Sadi
Carnival Assure Limited
KA-32/6 Shahjadpur, Pragoti Sharoni, Gulshan, Dhaka – 1212
Tel – 01708133966
Email: info@carnivalassure.com.bd

If you have questions, concerns, or suggestions regarding our Privacy Policy, we can be reached using the contact information on our Contact Us page or at info@carnivalassure.com.bd

 

Terms of Use

Welcome to www.carnivalassure.com.bd website (the "Site") operated by Carnival Assure Limited (‘Carnival Assure’). Carnival Assure provides its services to you subject to the following conditions. Before you may use the Site, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use and the linked Privacy Policy. We strongly recommend that, as you read this ToU, you also access and read the linked information, since it is incorporated into and hereby made part of this ToU. This ToU is effective upon acceptance. Use of any functionality of the Site constitutes acceptance of this ToU. If this ToU conflicts with any other documents, the ToU will supersede that document for the purposes of usage of the Site. If you do not agree to be bound by this ToU and the Privacy Policy, you may not use the Site in any way. Be sure to return to this page periodically to review the most current version of the ToU. We reserve the right, at any time, at our sole discretion, to change or otherwise modify the TOU without prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified TOU.

1. Description of Services

In the Site, Carnival Assure provides users with access to information primarily about Insurance products and services including but not restricted to General Insurance, Life Insurance products and related services (including but not limited to renewals) (the "Service"). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Service(s) that you have selected. You hereby agree that Carnival Assure may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfill your demand. You also agree that Carnival Assure reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or SMS. You agree to receive promotional materials and/or special offers from Carnival Assure through email or SMS.

2. License and Site Access

Carnival Assure grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Carnival Assure's sole discretion) an unreasonable or disproportionately large load on Carnival Assure's infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Carnival Assure to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Carnival Assure. By using the Site you agree not to: (i) use this Site or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.

3. Eligibility

The Service may not be available to minors under the age of 18 or to any users suspended or removed from the system by Carnival Assure for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.

4. Your Account

In consideration of your use of the Site, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of Bangladesh or other applicable jurisdiction and will only use the Site to make legitimate purchases for you or for another person for whom you are legally authorized to act (and will inform such other persons about the ToU and/or Privacy Policy) that apply to the purchase you have made on their behalf (including all rules and restrictions applicable thereto). You also agree to provide true, accurate, current and complete information about yourself as prompted by the Site. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Carnival Assure has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Carnival Assure has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). If you use the Site, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify Carnival Assure immediately of any unauthorized use of your account or any other breach of security. Carnival Assure reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the ToU or Privacy Policy. Additional terms and conditions will apply to your purchase of Services that you select. Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of purchase imposed by any service provider with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the service provider's rules and restrictions regarding use of products, and/or Services. You agree that any violation of any such service provider's rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the applicable service(s), in your forfeiting any monies paid for such Services, and/or in our debiting your account for any costs we incur as a result of such violation.

5. Refund/Return/Cancellation Policy

Your payment is collected through this website considering your full consent to purchase the intended policy. No refund/return/cancellation of payment is allowed.

6. Submitted Content

Carnival Assure does not claim ownership of any materials you make available through the Site. At Carnival Assure's sole discretion, such materials may be included in the Service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the Site, you grant Carnival Assure a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content). You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this Section 4. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Site: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site.

7. Disclaimer of Liability and Warranty

The Content, Products, and Services Published on this site may include inaccuracies or errors, Including Pricing errors. We do not guarantee the accuracy of and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services we expressly reserve the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price. Carnival Assure makes no representation about the suitability of the information, Software, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided "AS IS" without warranty of any kind. Carnival Assure disclaims all warranties and conditions that this site, its services or any email sent from Carnival Assure, its affiliates, and/or their respective or associated service providers are free of viruses or other harmful components. Carnival Assure hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The service providers providing services on this site are independent affiliates and Carnival Assure are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such service providers or for any personal injuries, death, property damage, or other damages or expenses resulting, therefore. Carnival Assure and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall Carnival Assure and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, your reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this site; or otherwise arising out of the access to, display of or use of this site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if Carnival Assure and/or its affiliates, their respective service providers have been advised of the possibility of such damages.

8. Disclaimer of Online Availability, Impressions, And Click-Throughs

In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.carnivalassure.com.bd, its web pages, and any material, information, links, or content presented on the web pages at www.carnivalassure.com. carnivalassure.com, its web pages, and any material, information, links, or content presented on the web pages at www.carnivalassure.com.bd, may be unavailable for online access at any time. Advertising sponsors and advertising, if any and if permitted, must be approved by Carnival Assure before the posting of any advertising material, information, links, content, banners, and graphics on www.carnivalassure.com.bd. Carnival Assure reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.

9. Customer Due Diligence requirements (CDD)

You agree and acknowledge that for undertaking any financial transaction through the website, Our Company may undertake client/customer due diligence measurers and seek mandatory information required for KYC purpose which as a customer you are obliged to give, while facilitating your request of insurance requirements with the insurance company(ies), in accordance with applicable MLPA laws and rules. Our Company may obtain sufficient information to establish, to its satisfaction or the insurance company, the identity of each new customer, and the purpose of the intended nature of insurance relationship between you and the insurance company(ies). You agree and understand that you shall ensure that any payment towards insurance premium is remitted only through your bank account or from a joint bank account in which you are a joint holder, Credit Card, Debit Card or Mobile Financial Services (MFS). In the event, payment towards insurance premium is remitted through a bank account/Credit/Debit Card/MFS opened in the name of a third party (i.e. not being in your name), you agree and acknowledge that Our Company can undertake enhanced due diligence measures (including any documentation), to satisfy itself relating to customer due diligence requirements. You further agree and acknowledge that, in line with the requirements and obligations under the MLPA Act and rules, all refunds shall be processed by the insurance company(ies) through us to the bank account/Credit/Debit Card/MFS which was used to remit payment of insurance premium.

10. License Disclaimer

Nothing on any Carnival Assure website shall be construed as conferring any license under any of Carnival Assure's or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.

11. Local Laws

Carnival Assure controls and operates this Website from its headquarters in Dhaka, Bangladesh and makes no representation that the materials on the website are appropriate or available for use in other locations. If you use this Website from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in Bangladesh and comply with the laws prevailing for the time being in force in Bangladesh. Disputes if any shall be subject to the exclusive jurisdiction of Courts at Dhaka.

12. Limitation of Liability

You expressly understand and agree that Carnival Assure and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Carnival Assure has been advised of the possibility of such damages), resulting from use of the site, content or any related services. If, despite the limitation above, Carnival Assure or its Affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of Carnival Assure and/or Its Affiliates will in no event exceed, in the aggregate, the greater of (a) the service fees you paid to Carnival Assure in connection with such transaction(s) on this Site, or (b) Taka One Hundred only (BDT 100) The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of Carnival Assure, Its affiliates, and/or their respective service providers.

13. Indemnity

You agree to indemnify and hold Carnival Assure (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this ToU, your violation of any law or the rights of a third party, or your use of the Site.

14. Electronic Communication

When you use the Site or send emails to Carnival Assure, you are communicating with Carnival Assure electronically. You consent to receive communications from Carnival Assure electronically. Carnival Assure may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

15. Site-Provided Email and Postings

The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. Carnival Assure is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Carnival Assure may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings. You understand and agree that you shall not use any functionality provided by the Site to post content or initiate communications that contain: (i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially or ethnically tinged or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law; (ii) Advertisements or solicitations of any kind; (iii) Impersonate others or provide any kind of false information; (iv) Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.; (v) Messages by non-spokesperson employees of Carnival Assure purporting to speak on behalf of Carnival Assure or containing confidential information or expressing opinions concerning Carnival Assure; (vi) Messages that offer unauthorized downloads of any copyrighted or private information; (vii) Multiple messages placed within individual folders by the same user restating the same point; (viii) Chain letters of any kind; or (ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message. This prohibition includes but is not limited to a) Using Carnival Assure to send messages to people who don't know you or who are unlikely to recognize you as a known contact; b) Using Carnival Assure to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, newsgroup aliases, or group aliases.

16. Links

The Site or third parties may provide links to other World Wide Web sites or resources. Because Carnival Assure has no control over such sites and resources, you acknowledge and agree that Carnival Assure is not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Carnival Assure shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

17. Access to Password Protected/Secure Areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

18. Modification and Notification of Changes

Carnival Assure reserves the right to make changes to the Site, related policies and agreements, this ToU and the Privacy Policy at any time. If Carnival Assure makes a material modification to this ToU, it may notify you by: (i) displaying a prominent announcement above the text of this ToU or the Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes. After notice of a modification to the ToU or the Privacy Policy has been posted for 30 days, the notice will be removed. If you have not used the Site for more than 30 days, you should check the ToU and/or Privacy Policy prior to any further use of the Site. Should you wish to terminate your account due to a modification to the TOU or the Privacy Policy, you may do so by sending an email with the subject line "Termination" to the following email address: info@carnivalassure.com.bd. If you choose to continue using the Site, you agree that by doing so you will be deemed to accept the new ToU or Privacy Policy, as relevant.

19. Trademarks

The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Carnival Assure/its parent company and other associated parties and service providers. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Carnival Assure or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

20. Survival of Terms After Agreement Ends

Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.

 
21. General

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section. This ToU and the relationship between you and Carnival Assure will be governed by the laws of the Bangladesh without regard to its conflict of law provisions. You and Carnival Assure agree to submit to the personal jurisdiction of the courts located in Dhaka jurisdiction with respect to any legal proceedings that may arise in connection with this ToU. The failure of Carnival Assure to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Carnival Assure does not guarantee that it will take action against all breaches of this ToU. Except as otherwise expressly provided in this ToU, there shall be no third-party beneficiaries to this ToU. This ToU constitutes the entire agreement between you and Carnival Assure and governs your use of the Site, superseding any prior agreements between you and Carnival Assure with respect to the Site.