Terms and Conditions

Effective Date: 31st October 2023
Last Updated: 21st August 2025

The terms “You”, “Your” or “User” refer to you as the user (irrespective of whether You are a Registered User, HSP Registered User or a Non-Registered User). In the event the Application / Website is being used by a third party (with or without Your consent), the expression “You”, “Your” or the “User” shall apply to such person as well. These Terms and Conditions manifest the way Wagtail Insure provides its Services, the responsibility and liability of Wagtail Insure, and the terms and responsibility of You as a User. The Privacy Policy is part of these Terms and Conditions; thus, we encourage You to read the Privacy Policy to better understand how Wagtail Insure uses and protects the Personal Information shared by You. These Terms and Conditions include the following:

• Website/ Application’s Terms of Use;
• Terms and Conditions of Services:
• Doctor Consultation
• Group Health Insurance
• Lab Test.

Understanding these Terms and Conditions is important because, by using Our Services, you are agreeing to these Terms and Conditions. If You do not agree to any of these Terms and Conditions, please do not access or use the Application or Website and the Services any further. If there is any inconsistency in any terms of these Terms and Conditions, the specific terms that relate to a Service would prevail over the general terms.

WEBSITE / APPLICATION’S TERMS OF USE
PLEASE READ THESE TERMS OF USE CAREFULLY. BY CONTINUING TO ACCESS AND USE THIS WEBSITE or MOBILE APPLICATION, YOU CONFIRM THAT YOU ACCEPT OUR TERMS AND CONDITIONS DESCRIBED HEREIN. IF YOU DO NOT AGREE WITH THE TERMS OF USE, DO NOT USE THIS WEBSITE & MOBILE APPLICATION.
These Terms of Use, Privacy Policy, together with any additional Service-specific terms and conditions, other policies which may be applicable to specific portions of the Application / Website and any disclaimers which may be present on the Application / Website are jointly referred to as “Agreement” and constitute the terms of Your access and use of the Application / Website and the Services. Where any part of the Agreement is modified in accordance with the terms of the Agreement, the Agreement shall be enforceable in its modified form. The Agreement supersedes all previous oral and written terms and conditions (if any) communicated to You.

APPLICATION / WEBSITE
Wagtail Insure owns and operates the website (www.wagtailinsure.in). It further ties up with third party service providers for delivery of services and uses its application curated as per the requirement of Wagtail Insure.
The Application/ Website may be used by Users to avail Services and/or to find, access, manage and organize information including but not limited to personal or non-personal information, doctor/consultant information, appointments, prescriptions, laboratory and diagnostic tests, drug delivery, electronic medical records, billing, inventory, accounting details and other relevant information.

ACCESS AND USAGE RIGHTS OF USERS

• Non - Registered User: A Non - Registered User is not permitted to access or make use of the Application/ Website for any purpose other than the following permitted use:

• To browse the Application / Website without accessing any Services.

• To use the ‘Self-Assessment Tool’.

• To share the Application/ Website Link via social media applications.

• HSP Registered Users: A HSP Registered User is only permitted to access and use the Services provided through a particular clinic or hospital only or any other limitations and restrictions as are prescribed under the Agreement or may be otherwise communicated to HSP Registered User from time to time through any contact information shared by HSP or HSP Registered User at the time of registration.

• Registered User: A Registered User is specifically permitted to:

• Enjoy all the access and usage rights of a Non-Registered User;

• Access and use the Services subject to such limitations and restrictions as are prescribed under the Agreement/plan or may be otherwise communicated to Registered User from time to time through any contact information shared by such User at the time of registration.

• Primary User: Shall refer to such person, who is 18 Years of age, and of valid capacity to contract, who shall access, and enjoy the Application / Website and the various services provided therein, and in certain cases provide access to other persons. Such person will have control over the features and functions of the Application / Website, and associated services that may be accessed, either by them, or the Secondary User(s).

• Secondary User: Shall refer to such person, ordinarily a minor, or person who may not have the capacity to give consent but may also simply refer to the dependent of a Primary User, who has been designated as such and accesses and enjoys the services of and on the Application / Website at the behest and pleasure of the Primary User.
The data and information available on the Application/ Website may be categorized as follows:

• Data and information generated or provided by Unregistered Users, HSP Registered Users and Registered Users on the Application / Website (“User Content”).

• Data and information which Wagtail Insure (through itself or its contractors) has generated or procured for the Application / Website and includes data and information generated or provided by HSP (“Wagtail Insure Content”).

• The data and information available to Wagtail Insure, from the Services may be categorized as follows: Personal Information that is necessary for use of Application/ Website but non-specific to the Service provided.

• Service specific Personal Information that is provided by the user in course of availing the Service.

GENERAL TERMS OF USE
• As required by law, you must be at least 18 years of age or older, have a sound mind and not debarred under any law to contract in order to access and use the Application / Website and Services as a Primary User. In case the Application / Website or Services are to be accessed or used by a minor (i.e., a person less than 18 years of age), then only the legal guardian/representative of such person shall register himself/herself as a Primary User and create/add the profile of the minor as a Secondary User. In case of minor, the Application / Website will be accessed by the minor as Secondary User with limited rights provided by Wagtail Insure.

• All Services will be requested for and provided to, the Primary User only. A Secondary User may avail the Services rendered to the Primary User only as a beneficiary. The Primary User will be entirely responsible and accountable for the Secondary User’s activity on the Application / Website as if the Application / Website and Services were being accessed and used by the Primary User. However, this shall not discharge the Secondary User who is adult and of sound mind from liability towards Wagtail Insure or its contractors or agents and Wagtail Insure shall have the right to proceed against such Secondary User and Primary User, either jointly or severally, for acts and omissions of Secondary User that violate the Agreement.

• You will not share Your log-in details with anyone. You are responsible for maintaining the confidentiality of Your account access information and password. You shall be responsible for all usage of Your account and password, whether authorized by You. You shall immediately notify Wagtail Insure of any actual or suspected unauthorized use of the Your account or password. Wagtail Insure will not be liable for Your losses caused by any unauthorized use of Your account. You may be liable for the losses to Wagtail Insure or others due to such unauthorized use.

• You will use the Application / Website and the features provided on the Application / Website only in relation to and in compliance with all applicable Indian laws. You will not use this Application / Website, or any feature provided on the Application / Website for any purposes not intended under the Agreement.

• You should limit the use of this Application to India only. We are not responsible if You avail any Service from outside India. You must have the advice and/or prescription given by such HSP validated by a local registered medical practitioner.

• Certain Services are location specific. Depending on Your location, certain Services may not be available to You.

• You will not deliberately use the Application / Website in any way that is unlawful or harms Wagtail Insure, its directors, employees, affiliates, distributors, partners, service providers and/or any User and/or data or content on the Application / Website.

• You will not use the Application / Website for any illegal, immoral, offensive purpose or for any other purpose that may infringe or violate any applicable laws and regulations.

• You will not interfere, disrupt, or hamper with the proper functioning of the Application / Website.

• You understand that as part of Your registration process as well as in course of Your use of the Application / Website, you may receive communication from Wagtail Insure on Your registered contact information. These communications will relate to Your registration, Services provided by Wagtail Insure, transactions that You carry out through the Application / Website and any such information found suitable for Your attention by Wagtail Insure.

• Notwithstanding anything to the contrary contained elsewhere herein, you represent that You are not a person barred from receiving the Services under the laws as applicable in India.

• Please note that Wagtail Insure will send the communications only to the contact details that You provide on the Application / Website. It is Your responsibility to ensure that You provide the correct contact details for the transaction You wish to enter. Further, Wagtail Insure may also send notifications and reminders to You for the features that You may be using on the Application / Website. By accepting these Terms of Use, you provide Us with Your consent to collect Your medical records and/or reports from HSP. Wagtail Insure may also share the dynamic password/OTP with You in order to facilitate the online delivery of your medical report. You hereby consent to receive such communications from Wagtail Insure.

WAGTAIL INSURE RIGHTS TO THE APPLICATION / WEBSITE AND WAGTAIL INSURE CONTENT

Wagtail Insure respects the intellectual property rights of others, and We expect the same from You. The Application / Website, User Content and the Wagtail Insure Content are protected by applicable intellectual property laws.

All intellectual property in and to the Application / Website and all software, techniques and processes used in connection with the aforesaid, belongs exclusively to Wagtail Insure or its licensors. As a User, you are granted a limited, non-exclusive, non-transferable license to access and use the Application / Website as per the terms of the Agreement. Through Your use of the Application / Website, by no means are any intellectual property rights impliedly or expressly granted by Wagtail Insure to You in respect of such works.

Wagtail Insure and/or its licensors assert all proprietary rights in and to all names and trademarks contained in the Application / Website. Notwithstanding the generality of the foregoing, the name and logo of ’ Wagtail Insure /AarogyaHaat’ is/are the trademarks and copyright (inclusive of any other applicable intellectual property right) of Wagtail Insure and/or its licensors. Any use of such name or logo, unless otherwise authorized in a written agreement, will constitute an infringement upon the trademark and copyright (or any other such intellectual property right) of Wagtail Insure and/or its licensors and may be actionable under applicable laws.

When You use the Application / Website in accordance with the Agreement, a limited royalty-free right is granted to You by Wagtail Insure to use Wagtail Insure Content only for personal and non-commercial use in India for the term of the Agreement.

Unless explicitly stated herein, nothing in the Agreement shall be construed as conferring on You any license to intellectual property rights, whether by estoppel, implication, or otherwise.

Unless expressly authorized by Wagtail Insure, you agree not to reproduce, modify, sell, distribute, mirror, frame, republish, download, transmit, or create derivative works of the Wagtail Insure Content, in whole or in part, by any means. You must not remove or modify any copyright or trademark notice, or other notice of ownership.

RIGHTS IN USER CONTENT
You agree that You are the sole owner of all rights (including all intellectual property rights) in the User Content that You post on the Application / Website or provide to Wagtail Insure.

To the extent permissible by law, you hereby grant Wagtail Insure a perpetual, non-revocable, worldwide, royalty-free license to make use of such User Content including the right to copy, distribute, display, reproduce, modify, adapt, the User Content, and create derivate works of the User Content.

USER CONSENT & PRIVACY
Through the course of Your interaction with the Application / Website or the Service offered by Wagtail Insure, there will be situations where certain identifiable private information is/will be required to be shared by You. The usage and processing of such information is governed by the terms of these Terms and Conditions and the Privacy Policy.

You have the option of uploading Your identifiable health information including physical, physiological, and mental health condition, and medical records and history on the Application / Website which may be accessed by Wagtail Insure and/or HSPs using the Application / Website, during availing Our Services. If You are a Secondary User, your information may be provided to Us by the Primary User under whose account You are using and accessing the Application / Website and Services. If You have not lawfully authorized the Primary User to do so, kindly reach out to Us immediately mail at ops@aarogyahaat.com

We may collect Personal Information from You when You use the Application / Website and for the features provided by the Application / Website. Our Privacy Policy sets out terms with respect to the collection, storage, use, processing, transfer, and disclosure of any such Personal Information. In the course of providing You with access to the Application / Website and Services provided, You may generate, and be required to provide, the following categories of information:

• Patient/caregiver/doctor/health care professional name,

• Address (including country and pin/postal code),

• Location information, including Your GPS location,

• Phone number/mobile number,

• Email address,

• Physical, physiological and mental health condition, provided by You and/or Your health care professional or accessible from Your medical records,

• Personal medical information, records, and history,

• Valid financial information at time of purchase of product/Services and/or online payment,

• Wagtail Insure login ID and password,

• User details as provided at the time of registration or thereafter,

• Records of interaction with Wagtail Insure representatives,

• Your usage details such as time, frequency, duration and pattern of use, features used and the amount of storage used,

• Master and transaction data and other data stored in Your user account,

• Internet Protocol address, browser type, browser language, referring URL, files accessed, errors generated, time zone, operating system and other visitor details collected in Our log files,

• User’s tracking Information such as, but not limited to the device ID, Google Advertising ID and Android ID

• Any other information that is willingly shared by You.

When You click on the ‘I accept’ tab at the time of registering or accessing the Application / Website or otherwise provide Your Personal Information for availing any service, you specifically consent to Our Privacy Policy & Terms and Conditions.

Wagtail Insure is required by law to maintain the privacy and confidentiality of Your medical information. We assure You to take Your privacy seriously and to maintain privacy and confidentiality of the information provided by You to Us. We, however, do not represent, warrant, or guarantee that Our safeguards to prevent unauthorized access to Your personal information is fool-proof. Further, Wagtail Insure may itself have to access Your medical information (medical records, consultation history, transcripts etc.) in order to investigate any deficiencies, complaints, or grievances that You bring to the notice of Wagtail Insure. You hereby specifically authorize Wagtail Insure to access Your medical information in such cases.

Once You have provided this information to us, We have the right to, within the confines of applicable law, share the same with the concerned HSP or such other third party, sharing with whom is necessitated in course of Service delivery.

Depending on the nature of the information itself, refusal to share the same with Wagtail Insure may result in the discontinuation of Services by Us.

OTHER WEBSITES/MOBILE APPLICATIONS
You may be provided with links on the Application / Website that direct You to third party websites / applications / content or service providers (collectively “Third Party Content”).

Wagtail Insure does not make any representations regarding the availability and performance of any of the external sites. We are not responsible for the content, terms of use, privacy policies and practices of such third-party websites.

Links to such third-party Application / Websites are provided for Your convenience only. Please exercise Your independent judgment and prudence when visiting / using any Third-Party Content via a link available on the Application / Website. Should You decide to click on the links to visit such Third-Party Content, you do so on Your own volition. Your usage of such Third-Party Content is subject to the terms of use of the respective Third-Party Content and Wagtail Insure is not responsible for Your use of any Third-Party Content.

We do not extend the Agreement to any other websites/applications except for Our Application / Website. We do not make any warranty or give any security to the personal information disclosed by You to the other websites/applications, even if such websites/applications are linked to Our Application / Website or they are using Our Application / Website link.

Wagtail Insure does not endorse any Third-Party Content that You may be directed to from the Application / Website.

WAGTAIL INSURE’S RESPONSIBILITIES

HSP’s Credibility

Wagtail Insure will take services of entities with qualified HSPs to render Services after carrying out appropriate background and reference checks on entities.

You are free to flag and inform Wagtail Insure of any outstanding issues, and/ or deficiencies concerning the HSP. The presence of such deficiency will be sufficient grounds for Your to request an alternative HSP for your Teleconsultation.

Service Levels
Subject to applicable law, Wagtail Insure will use commercially reasonable efforts to make the Application / Website available to Registered Users and their beneficiaries 24 hours a day, 7 days a week, except for:
• Services that involve product delivery including but not limited to medicines/drugs;

• Planned downtime that will be communicated in advance to Registered Users;

• any unavailability caused by circumstances beyond Our reasonable control, including without limitation, cyber-attacks, acts of God, acts of government or regulatory authority, any mandate under applicable law, flood, fire, earthquakes, civil unrest, acts of terror, strikes or other labour problems, or internet service provider or/and web hosts failures or delays, denial of service attack, and/or Your acts or omissions, equipment, software or any other technology of Your, or any third party acting on Your behalf.

• When such Service is rendered under a time-schedule, in which case, the obligation of Wagtail Insure under provisions of these Terms and Conditions shall be limited to making available such Service during the time-schedule. This obligation will also be subject to (2) and (3) above;

• When the Registered User is outside the operational coverage of Service.

Wagtail Insure has no responsibility towards Non-registered User for providing Services.

For the avoidance of doubt, it is hereby clarified that Wagtail Insure’s responsibility towards Registered User will be limited to the provision of the Services as per the terms and conditions of the Agreement.

If Wagtail Insure suspects any illegal, wrongful or fraudulent activity on the Application / Website by any User, notwithstanding any other rights Wagtail Insure may have against such User, Wagtail Insure reserves the right to inform the relevant government or law enforcement authorities. Wagtail Insure will cooperate in all investigative procedures or requests for access / information initiated by any such government or law enforcement authorities. Wagtail Insure reserves the right to refuse Service at any time without providing any reasons.

Wagtail Insure reserves the right to add new functionality, remove existing functionality, and modify existing functionality to its Services as and when it deems fit, and make any such changes available in newer versions of Application / Website at its discretion. All Users of its Services will be duly notified upon release of such newer versions and Wagtail Insure reserves the right to automatically upgrade all Users to the latest version of its Services as and when it deems fit.

The Application / Website and Services may be subject to certain limitations, such as, limits on storage space, limit on bandwidth, unexpected downtime, unavailability of HSPs due to unforeseen circumstances, etc.

Wagtail Insure reserves the right to schedule/reschedule/cancel appointments and swap HSPs at any time without prior intimation. The terms applicable to refund and cancellation are specified below.

Legal Compliances
Wagtail Insure will strictly adhere to and adopt all reasonable measures to ensure compliance to all central and state government regulations and directives as applicable from time-to-time.

You may consequently be required to carry out certain tasks, or verifications. In accepting these Terms and Conditions, you accept that You will carry out these obligations and verifications when requested of You.

However, you will still remain free, to refuse to carry out the requested verification and obligation at the time, and give Wagtail Insure the right to refuse service, or re-evaluate the relationship between You and Wagtail Insure.

Data Collection Recording, Storage, Encryption & Usage
The information stored on the Application / Website may be entered by You or by a HSP in the course of Services provided by Wagtail Insure. The information collected as part of the Services may be stored on Your mobile device as well as on a third-party cloud platform (“Cloud Service Provider”) or server (“Storage Service Provider”).

You understand that all information that You are providing to Wagtail Insure during your usage of the Application / Website, or the Services offered, is information that You are authorised to provide and that You do not cause harm in providing, and is provided with full knowledge and understanding that the same shall be processed.

You provide Wagtail Insure access to information for collection and/ or storage in the following explicit manner:

• When You register on Our Application / Website or our specified Third-Party application,

• When You provide Your Personal Information to Us/Service providers,

• During the course of Services provided to You by Us/service providers,

• When You use the features on Our Application / Website,

• Through Your device, once You have granted permissions to Our Application / Website,

• By the use of cookies. You provide consent to Wagtail Insure to use the information collected and stored, in all legally acceptable manner to meet the following ends:

• To operate and improve the Application / Website;

• To provide effective Services;

• To perform studies, research and analysis for improving Our information, analysis, Services and technologies; and ensuring that the content and advertising displayed are customized to Your interests and preferences;

• To contact You via phone, SMS, email or third-party communication services such as WhatsApp, etc. for appointments, technical issues, payment reminders and other security announcements;

• To send promotional mailings from Us or any of Our channel partners via SMS, email, snail mail or third-party communication services such as WhatsApp, Facebook etc.;

• To advertise products and Services of Wagtail Insure and third parties;

• To transfer information about You if We are acquired by or merged with another company;

• To share with Our business partners for provision of specific services You have ordered so as to enable them to provide effective services to You;

• To administer or otherwise carry out Our obligations in relation to any agreement You have with Us;

• To build Your profile on the Application / Website;

• To respond to summons, court orders, or legal process, or to establish or exercise Our legal rights or defend against legal claims;

• To investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of Our Terms and Conditions , breach of Our agreement with You or as otherwise required by law; and

• To aggregate (anonymized) Personal Information for research, statistical analysis and business intelligence purposes, and to sell or otherwise transfer such research, statistical or intelligence data in an aggregated or non-personally identifiable form to third parties and affiliates.

• A record of all Your communication with Wagtail Insure and all its service providers, and associates will be retained for the duration of Your engagement with Us and 7 years after the termination of Your engagement of Wagtail Insure services, and/ or Your account on the Application / Website.

All video-consultations / IM chat consultations / text messages / audios / videos / transcripts / prescriptions / email and hard copy correspondences between Users and HSP acquired Users who are patients, and HSPs engaged by Wagtail Insure through its partner entities shall be recorded, saved and stored for record purposes and in the event such records are required to be produced as evidence on the direction of a court of law. Wagtail Insure may review this data from time to time for quality evaluation purposes. However, under normal circumstances, Wagtail Insure will not access any information that identifies You and shall either omit, mask or anonymize Your Personal Information at the time of quality evaluation.

You acknowledge that We may have to exchange, transfer, share, part with all or any of Your Personal Information, across borders and from Your country to any other countries across the world with Our affiliates / agents / third party service providers / partners / banks and financial institutions for the Purposes specified under these Terms and Conditions or as may be required by applicable law.

In the course of doing so Wagtail Insure shall ensure that such third parties that receive information, will store and analyse the information with the same standard of care as Wagtail Insure.

It is hereby clarified that Wagtail Insure does not have the obligation to pre-screen or monitor User Content at any time. However, Wagtail Insure may elect to monitor any User Content and may modify or remove any User Content from the Application / Website if Wagtail Insure determines in its sole discretion that such User Content is in violation of the Agreement or any applicable law and best practices. Where Wagtail Insure removes any User Content from the Application / Website, Wagtail Insure will make reasonable efforts to inform the Registered User who had posted such User Content.

All User Content shall be recorded, saved and stored electronically on a secure cloud database/server managed by the Cloud Service Provider / Storage Service Provider. Wagtail Insure shall take best efforts to ensure that the Cloud Service Provider/ Storage Service Provider/Third party service providers uses appropriate levels of encryptions to protect data and takes all necessary precautions. Wagtail Insure will however not be responsible for any cyber data theft from its Application / Website or the Cloud Service Provider’s/ Storage Service Provider’s databases.

Wagtail Insure shall maintain a detailed transaction & purchase history of Users online.

Wagtail Insure reserves the right to permanently delete User Content in case the User does not avail a Service for a period of Seven years.

USER RESPONSIBILITIES
Your use of this Application / Website shall be subjected to the following terms and conditions:
• You will observe and comply with the terms and conditions of the Agreement in letter and spirit;

• You will provide full and accurate information about Your health, medical history and personal care needs;

• You will strictly adhere to the advice and instructions given by HSPs from time to time;

• You will not delete or modify any content of the Application / Website including but not limited to, legal notices, disclaimers or proprietary notices such as copyright or trademark symbols, logos, that You do not own or have express permission to modify;

• You will not decipher, decompile, reverse engineer, or disassemble the Wagtail Insure content;

• You will not use any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Application / Website;

• You will not remove any copyright, trademark registration, or other proprietary notices from the Application / Website. You further agree not to access or use this Application / Website in any manner that may be harmful to the operation of this Application / Website or its content;

• You will not frame or hotlink or deep link any Wagtail Insure Content;

• You will not use the Application / Website and / or Services in any way that is unlawful, or harms Wagtail Insure or any other person or entity, as determined in the Wagtail Insure’s sole discretion.

• You will not engage in any form of antisocial, disrupting, or destructive acts, including “flaming”, “spamming”, “flooding”, “trolling”, “phishing” and “griefing” as those terms are commonly understood and used on the internet;

• You will not host, display, upload, modify, publish, transmit, update or share any information that:

     - belongs to another person and over which You do not have sufficient legal rights:

     - harm minors in any way;

     - infringes any patent, trademark, copyright or other proprietary rights(se), violates any law for the time being in force;

     - deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;

     - impersonate another person;

     - contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;

• Without prejudice to the rights that Wagtail Insure may have under other provisions of the Agreement, where Wagtail Insure has reasons to believe that a User has violated a term or condition of the Agreement, the Wagtail Insure shall, in its sole discretion:

     - Suspend provision of Services:

     - Suspend the account of the User until there is enough information available with Wagtail Insure to determine whether the User had violated a term or condition of the Agreement;

     - Suspend or terminate the account of the User where Wagtail Insure has determined that the User had violated a term or condition of the Agreement;

     - Approach User to make good that loss or damage caused to Wagtail Insure as a precondition to revoke the suspension;

     - Take any such action against the User as it permissible under law;

     - Raise invoice of Services availed by the User; and/or

     - Disable and/or delete such User Content that is in contravention of the Agreement while preserving such information and associated records for the purpose of production to governmental authorities for investigation purposes.

PAYMENT, FEES AND TAXES
You agree to pay all Service fees, consulting fees, reasonable out of pocket expenses and other fees applicable to Your use of the Services. While Wagtail Insure will strive to give You a fair estimate of fees in advance, the actual fee may be dependent on the type of Services that You purchase and may vary based on the number or duration of the Services subscribed to.

You are solely responsible for payment of all taxes, legal compliances, statutory registrations and reporting. Wagtail Insure is in no way responsible for any of the taxes except for its own income tax.

The fees could be paid online through the facility made on the Application / Website. Third party payment service provider support and services are required to process online fee payment. Wagtail Insure is not responsible for any loss or damage caused to User during this process as these third parties are beyond the control of Wagtail Insure.

All fees are exclusive of taxes. The payment process would be complete only on receipt of the amount to Wagtail Insure’s designated bank account.

An invoice for fees against Services received by You will be generated periodically and will be intimated to You on the Application / Website and/or on Your contact details. You may be requested to make the payment immediately or on a deferred basis, at the sole discretion of Wagtail Insure. In case the fees against Services are not received within the requested time frame, Wagtail Insure reserves the right to stop provision of Services on immediate basis, permanently delete Your account and all information stored against Your account and, suspend or terminate the Agreement. You will be solely responsible for the consequences of non-payment for the fees within the requested time frame and have no right of recovery in any form against Wagtail Insure.

In order to process the payments, Wagtail Insure might require details of Your bank account, credit card number etc. Please check Our Privacy Policy on how Wagtail Insure uses the confidential information provided by You.

Wagtail Insure shall send an intimation of fee receipt through an email and/or Your contact details within seven (7) working days of fee receipt from You.

OFFERS AND PROMOTIONS
Wagtail Insure may occasionally promote their Services and make available for You to purchase such Services on the Application / Website. All promotions are for a limited period and subject to special terms and conditions, which are in addition and not to the Terms and Conditions stated herein.

REPRESENTATIONS AND WARRANTIES

By Using This Application, you hereby represent and warrant that:

• You are 18 years of age or older and that Your use of the Application shall not violate any applicable law or regulation;

• Where a minor may access or use the Application or Service, you will ensure that such access or use happens through Your account and under Your personal supervision. Further, you accept to be accountable and liable for the activity of the minor on the Application, including in respect of the Services availed on the Application;

• All registration information You submit is truthful and accurate and that You agree to maintain the accuracy of such information;

• You as a Registered User will use the Application solely for Your personal and non-commercial use.

• Any use of this Application or its content other than for personal purposes is strictly prohibited.

Wagtail Insure represents and warrants that:

• It is a company duly organized under the Assam Co-Operative Societies Act, 2007 and has the power and authority to provide the Services and the Application / Website;

• It has all permits, approvals and licenses necessary to carry out the Services and in fulfilling its obligations hereunder;

• By entering into the Agreement, Wagtail Insure does not violate any of the previous arrangements entered into with other entities to which it is a party.

USER ACCOUNT SUSPENSION
In the event where a User has breached the Agreement in Wagtail Insure’s sole judgment or when Wagtail Insure is unable to verify or authenticate any information provided by the User to Wagtail Insure or when or User fails to provide the consents necessary or desirable for Wagtail Insure to provide the Services (or after providing such consent, later revokes), Wagtail Insure reserves the right to suspend and / or terminate the User’s account and/or access to the Application / Website by blocking Your IP address or email id with or without notice to the User. Any suspected illegal, fraudulent or abusive activity may be grounds for suspending and / or terminating User account and/or User access to the Application / Website and/or Services. Upon suspension or termination, your right to use the features on the Application / Website including Services shall immediately cease and Wagtail Insure may permanently remove or delete Your information that is available with Wagtail Insure, including but not limited to login and account information.

Wagtail Insure shall not be liable to User or any third party for any claims or damages arising out of any termination or suspension of User’s account or any other actions taken by Wagtail Insure in connection with such account termination or suspension.

Once User’s account has been temporarily or indefinitely suspended or terminated, User may not continue to use the Application / Website under the same account, a different account or re-register under a new account.

TERMS AND CONDITIONS OF SERVICES
Through the Application / Website, the Users are able to access various features and functions that are offered and available on the website. The specifics of the Services that are available on the Application / Website are subject to variation and change by Us. We reserve the right to alter the nature of these available and advertised Services, with or without notice to You. The following are the primary strata of Services that are available to the User upon accessing the Application / Website:

• Telemedicine Consultation: User is able to access and schedule a consultation with a registered Healthcare Service Practitioner of the required speciality, which will be facilitated by Service Provider in agreement with Us for the services.

• Laboratory Testing: User is able to register for certain tests on the Application / Website, and the testing may be carried out at laboratories with Service Provider in agreement with Us for the services.

• Group Health Insurance: We offer a comprehensive healthcare service plan, that the User is able to access, alter, and edit on the Application / Website. This will be served by Insurance Companies registered with IRDAI to provide such insurance.

Use of Services

• The Application / Website may be used to access a variety of healthcare and wellness related Services. Depending on the status of Your registration and subject to the limitations and restrictions imposed by the Agreement or by Wagtail Insure, you may avail the Services as provided by Wagtail Insure.

• Built-in Application / Website features are provided such as health trackers, medicine reminders, storage and display of Your medical records, information, and history, including general medical information, outpatient records, discharge summaries, prescriptions, lab investigations and radiology reports, notifications etc. by using the Application / Website.

• The Services are non-transferable and only cover the Registered User, and such of the beneficiaries that have been identified at the time of registration. Wagtail Insure reserves the right to alter the rights of these beneficiary Secondary Users, and the Services they may have access to.

Privacy Policy: Through the course of Your interaction with the Website or the Service offered by Wagtail Insure, there will be situations where certain identifiable private information is/will be required to be shared by You. The usage and processing of such information is governed by the terms of these Terms and Conditions and the Privacy Policy,

• You have the option of uploading your identifiable health information including physical, physiological, and mental health condition, and medical records and history on the Website which may be accessed by Wagtail Insure and/or HSPs using the Website, during availing Our Services. If You are a Secondary User, your information may be provided to Us by the Primary User under whose account You are using and accessing the Website and Services. If You have not lawfully authorized the Primary User to do so, kindly reach out to Us immediately mail at support@wagtailinsure.in

We may collect Personal Information from You when You use the and for the features provided by the Website. Our Privacy Policy sets out terms with respect to the collection, storage, use, processing, transfer, and disclosure of any such Personal Information.

Refund Policy:

• We understand that sometimes circumstances change, and you may need to request a refund for your purchase, we offer a hassle-free refund policy to ensure your satisfaction. Here are the key details:

• 15-Day Free Look-Up: We provide a 15-day window from the date of purchase during which you can request upto 60% no questions asked, provided there has been no utilization of the service. If, for any reason, you are not completely satisfied with your purchase and there has been no utilization, simply reach out to our customer support team within this period, and we will process your refund promptly.

• Cancellation Post Usage: Once you have started using our services, we regret to inform you that cancellation is not permitted. We do not impose any usage limitations, and there are no penalties for cancelling your subscription before usage begins. However, once you have accessed our services, the subscription cannot be cancelled.

Contact Us

If you have any questions regarding our Terms and Conditions, please reach out to:

WAGTAIL SOCIETY
Email: wagtailsociety@gmail.com
Phone: +91 9395566719
Address: Betmohal Tiniali, Bokajan, Karbi Anglong, Assam, India - 782480