1. DEFINITIONS
1.1 “Plan Fee” shall mean the fees charged by OneAssist from
time to time for the Plan(s) availed by the
Customer and set out in the respective Plan Terms. The Plan Fee is
applicable for the respective duration of
the plan as mentioned below. The Plan Fee is inclusive of all
applicable taxes.
1.2 “Plan Terms” shall mean the specific terms and conditions
separately provided with the Terms herein which
shall be specifically applicable in relation to each Plan(s).
1.3"Cancellation Period" shall mean the number of days from
the date of activation of the Plan(s) within which
the Customer may cancel the Plan(s) and obtain a full refund of the
Plan Fee.
1.4 Insurer shall mean the third-party insurance company
registered with the Insurance Regulatory and
Development Authority of India, as OneAssist may partner with from
time to time for the add-on benefit as
may be applicable to the various Plans.
1.5 Service Partner means any third-party logistics or
repairs service provider affiliated with OneAssist.
1.6 Personal Information/Data shall mean and include such
personal and financial information of the Customer
relating to his/her data /or documents, in any medium including
financial information such as bank account
or credit card or debit card or other payment instrument details,
identification document details including
passport, PAN card details, driving license, etc.
1.7 "Service Center" means the Authorised Service Center or
OneAssist Authorised Service Center used for
carrying out repair/replacement of the damaged Product.
2. PURPOSE
2.1 These terms and conditions ("Terms") shall govern the
transaction between OneAssist Consumer Solutions
Private Limited ("OneAssist") and the party whose name appears on
the Order ("Customer") in relation to the
Plan(s) provided by OneAssist.
2.2 These general terms and conditions define the framework and the
respective obligations of the parties.
2.3 Customer acknowledges the receipt of the Terms and the Plan
Terms, as applicable and agrees to be fully
bound by the Terms and the relevant Plan Terms. In the event, the
Customer activates the plan/protection
cover by sharing device details or avails of any service or benefit
under any of the Plan Terms, or lodges a
claim within the term of the protection cover, the Customer shall be
deemed to have accepted the Terms
unconditionally.
3. CUSTOMER CONSENTS AND CONFIRMATIONS
3.1 Further, the Customer has and hereby consents to the use of the
Personal Information by OneAssist for the
purposes of providing the various services under the Plan(s) offered
by OneAssist. OneAssist respects the
privacy of the Customer and the confidentiality of Customer’s
Personal Information so collected by OneAssist
by itself or on its behalf and shall take all reasonable steps to
protect it and maintain its confidentiality.
3.2 The Customer also hereby consents to the Personal Information
being disclosed by OneAssist to any thirdparty including insurer of
One Assist or Service Partner of OneAssist who will be either
providing benefit
and/or services on each of the Plan(s) for the purposes of
fulfilment of the services or if required by law.
3.3 The Customer expressly and without limitation, consents to
OneAssist or its Service Partners recording phone
calls between the Customer and OneAssist on OneAssist’s helpline
numbers set out in the relevant Plan
Terms in order for OneAssist to inter alia (i) provide a record of
the instructions received from the Customer
and to share the same with the Service Partners, if required, (ii)
allow itself or its Service Partners to monitor
quality standards, (iii) training purposes, and (iv) meet legal and
regulatory requirements.
3.4 The Customer acknowledges that OneAssist has the sole right to
vary the features/benefits under the Plan(s)
or the Plans or the amount or rate of the Plan Fee or part thereof,
from time to time.
3.5 The Customer hereby provides his/her consent to OneAssist for
appointing employees/collection agents to
collect amounts payable to OneAssist, as may be considered necessary
in the sole discretion of OneAssist and
which shall be at the sole risk and cost of the Customer.
3.6 The Customer acknowledges that OneAssist may engage third
parties including Service Partners for the
fulfilment of the services and the Customer hereby consents to
OneAssist disclosing, to the extent relevant,
the Customer's Personal Information and/or details of Plan(s)
availed by the Customer to inter alia (a) our
affiliates Service Partners (b) to our suppliers, vendors, for the
purposes of servicing the Customer.
3.7 The Customer hereby consents to OneAssist identifying any other
service providers and/or products that may
be of some interest to the Customer.
3.8 The Customer hereby consents to receiving period SMS / email
communication from OneAssist of information
pertaining to its product features / services.
4. TOTAL FEES/CHARGES
4.1 OneAssist shall charge the Plan Fee from the Customer for
availing of the Plan(s) from time to time and for
the duration of the respective Plan. The Plan Fee shall be payable
in advance and the Customer may make a
one-time payment of the Plan Fee for the applicable period or
authorize OneAssist with appropriate debit
instructions to deduct the Plan Fee from the Customer’s bank or
credit/debit card from time to time including
applicable taxes and levies.
4.2 The Plan Fee(s) for the respective Plan(s) shall be as more
particularly set out in the Plan Terms.
4.3 Activation of the Plan(s) is subject to realization/receipt of
the Plan Fee by OneAssist. However, activation of
the protection cover is subject to receipt of documents and Product
related information as specified in the
protection cover section hereunder.
5. SERVICING OF CLAIMS
5.1 The Customer acknowledges and understands that claim or payment
of any benefit shall be the sole
discretion of OneAssist and / or their Insurer.
5.2 Any service requests or claims made by the Customer under these
Terms and Plan Terms shall be subject to
the following:
a) The Customer having met and complied with the Terms and the Plan
Terms (as applicable). This also
applies to terms and conditions set out herein and any others which
may be added to the Terms and/or
the Plan Terms and communicated to the Customer at a later date;
b) The Customer having provided OneAssist with full and accurate
information in connection with the
coverage, as applicable;
c) The Customer having acted in a bona fide manner to make a service
request or a claim;
d) The Customer having complied with the requirements of the One
Assist and/or their Insurer for the
purposes of processing the claim may be required from time to time:
i) Claim form duly filled & signed by the Customer; and
ii) Invoice copy
iii) Govt. issued ID proof
iv) Any other document as may be required
5.3 Notwithstanding anything contained hereinabove, OneAssist shall
not be obliged to entertain any claim from
the Customer unless (i) the Customer is over the age of 18 years at
the time of Plan activation and a resident
of India, and (ii) the Plan Fee up to the date of claim has been
paid.
6. CANCELLATIONS / TERMINATION
6.1 OneAssist will cancel the plan if the information/documents,
device details or images as stipulated in the
plan, that may be required for the purpose of the protection cover
activation is not made available
within 15 days of purchase of the plan
6.2 OneAssist will cancel the Terms and/or the Plan Terms if the
Customer has at any time:
a) agreed to help any third party to try to fraudulently or
dishonestly obtain money from OneAssist and/ or
their Insurer; or
b) is in violation of applicable law as may be relevant to the use
of the Plan(s); or
c) failed to meet the Terms and/or the Plan Terms, or to act in good
faith, openly, honestly and in a bona
fide manner towards OneAssist and/ or their Insurer including by
providing false or inaccurate
information; and
d) Customer fails to return to OneAssist or its authorized Service
Partner(s)any goods/devices temporarily
lent to him/her or money advanced on an emergency basis to him/her
or tickets or hotel bookings made
on behalf of the Customer and which are to be
returned/reimbursed/paid as per the terms of the Plan to
OneAssist or to its authorized Service Partner.
7. CONFIDENTIALITY
7.1 OneAssist shall make reasonable efforts to ensure that the
Personal Information of the Customer is kept
confidential and not disclosed to any third party except to the
extent required for fulfilment of services.
8. REPRESENTATIONS AND WARRANTIES
8.1 The Customer represents that he/she is completed the age of 18
years and is a resident of India.
8.2 The Customer is in compliance with the applicable law as may be
relevant for the Plan (s) which is availed of
by the Customer
8.3 The Personal Information provided by the Customer for the
purposes of availing of the Plan(s) is and shall be
true and accurate.
9. OBLIGATIONS AND COVENANTS OF THE CUSTOMER
9.1 If the Customer receives a benefit as contemplated under any
specific Plan Terms and it is later discovered
that the service request or a claim was dishonest, fraudulent or
false, OneAssist shall have the right to and
will take steps to recover from the Customer, such payment(s) made
to the Customer, either by OneAssist or
a third party, as the case may be.
9.2 The Customer undertakes that he/she shall strictly comply with
the terms of usage contained in the Plan
Terms in relation to the use of the Plan(s).
9.3 The Customer acknowledges, confirms and covenants that the
object of the Plan(s) being availed of or
provided by OneAssist is not an ‘insurance product’ and that the
Customer has availed of the Plan(s) in
accordance with this understanding.
9.4 The Customer undertakes and covenants that he/she shall not use
/ make use of the Plan(s) to or in the
course of usage of the Plan(s), upload, display, publish, update,
disseminate or transmit content or
information that:
a) belongs to another person and to which the user does not have any
right to or which is confidential;
b) is an impersonation of another person, grossly harmful,
harassing, blasphemous defamatory,
obscene, pornographic, pedophilic, libelous, invasive of another's
privacy, hateful, or racially,
ethnically objectionable, disparaging, relating or encouraging money
laundering or gambling, or
otherwise unlawful in any manner whatever;
c) harm minors in any way;
d) infringes any patent, trademark, copyright or other proprietary
rights;
e) deceives or misleads the addressee about the origin of such
messages or communicates any
information which is grossly offensive or menacing in nature;
f) contains software viruses or any other computer code, files or
programs designed to interrupt,
destroy or limit the functionality of any computer resource; or
g) Threatens the unity, integrity, defense, security or sovereignty
of India or seditious, friendly relations
with foreign states, or public order or causes incitement to the
commission of any cognizable offence
or prevents investigation of any offence or is insulting to any
other nation or violates any other
provision of law.
10. LIMITATION OF LIABILITY
10.1 OneAssist shall not be liable for any incidental,
consequential, exemplary, special or indirect damages
(including, but not limited to, loss of profits, revenues, data
and/or use). OneAssist disclaims all implied
warranties of merchantability, fitness for a particular purpose, and
non-infringement. OneAssist’s total
liability under the Terms and/or the relevant Plan Terms shall not
exceed the Plan Fee.
11. INDEMNITY
11.1 The Customer hereby agrees to defend, indemnify and hold
OneAssist and its officers, directors,
employees and subcontractors harmless from any and all losses,
damages, liabilities, verdicts, settlements,
judgments, costs, and expenses (including reasonable attorneys'
fees) incurred by OneAssist or its officers or
employees arising out of:
a) any wrongful act or omission of the Customer in relation to the
usage of the Plan(s);
b) any wilful misconduct, gross negligence or fraud by the Customer;
c) any failure of the Customer to comply with the applicable law;
d) any breach of the representations, warranties, obligations and
covenants of the Customer or a
default of the Customer’s obligations; and
e) any third-party claims arising out of the Customer’s use of the
Plan(s).
11.2 This indemnity will survive the termination of the Terms and/or
the Plan Terms and is in addition to and
not in substitution of the other remedies and rights that OneAssist
may have, either at law in the Terms
and/or the Plan Terms
12. NOTICES
12.1 Any notice required under the Terms and/or the relevant Plan
Terms must be in writing and must be
either (a) delivered in person, (b) sent by first class registered
mail, or air mail, as appropriate, or (c) sent by
overnight courier, in each case properly posted and fully prepaid to
the appropriate address set forth herein.
OneAssist Consumer Solutions Private Limited
PO Box No. 7431, Marol Bazar Post Office,
18, Military Rd, Sankasth Pada Welfare Society, Shivaji Nagar JJC,
Marol, Andheri East,
Mumbai, Maharashtra 400059
13. MISCELLLANEOUS
13.1 The Terms will inure to the benefit of the legal successors of
OneAssist. Other than as stated above, no
assignment of the Terms is possible.
13.2 OneAssist will not incur any liability to the other party on
account of any loss or damage resulting from
any delay or failure to perform all or any part of these Terms if
such delay or failure is caused, in whole or in
part, by events, occurrences, or causes beyond the control and
without negligence of the parties. Such
events, occurrences, or causes will include, without limitation,
acts of God, bandhs, riots, acts of war, natural
disaster, fire and explosions, or any other events reasonably beyond
the control of either party.
13.3 OneAssist reserves the right to amend the Terms and/or the Plan
Terms and/or the features or pricing of
the Plans. Upon such amendment, such terms will become applicable
immediately and will be intimated to
the Customer in due course. If the Customer does not accept the
amendment of the Terms and/or the Plan
Terms, he shall have the right to terminate Terms and the Plan Terms
with appropriate notice as may be
specified in Clause 6. The alteration of the Terms and/or the Plan
Terms shall be deemed accepted where the
Customer continues to use the services available under the Terms
and/or the Plan Terms one (1) month after
the amendment has taken effect.
13.4 The Terms along with the relevant Plan Terms constitutes the
entire agreement between the parties with
respect and in relation to the Plan (including any modification or
amendment thereto) subscribed or availed
of by the Customer and supersedes all previous communications,
representations, understandings and
agreements, either oral or written.
13.5 The Agreement shall be governed by the laws of the Republic of
India.
13.6 All disputes arising in connection with the Terms and/or the
respective Plan Term(s) shall be finally
settled by arbitration pursuant to the rules of the Arbitration and
Conciliation Act, 1996, by one arbitrator
appointed in accordance with the said Rules. The seat of arbitration
shall be Mumbai. The language of the
arbitration proceedings shall be English. The decision of the
arbitrator shall be final and binding on the
parties.
OneAssist for Screen Protection Plan for Mobiles – Service
Description and Terms & Conditions
Note: The terms contained herein are specific terms and conditions
and should be read in conjunction with
the specific features of the product purchased by you as mentioned
in the Welcome Letter kit/welcome email.
These conditions are in addition to and not in derogation of the
standard terms and conditions.
1. Definitions
The definitions as set out herein are in addition to the definitions
as set out in the General Terms.
"Mobile Phone” shall mean Mobile phone device of the Customer. The
Customer can only avail of the
OneAssist Screen Protection Plan in relation to one Mobile Phone,
i.e., one Plan per Mobile Phone.
Plan Features
The specific services and benefits depend on the Plan purchased by
the Customer and all the features below
may or may not be part of a specific Plan Terms opted by customer.
The Customer must install the OneAssist Application on the Mobile
Phone and should not
exit/close/shutdown the Application to keep the membership and plan
benefits active.
A. One Call to OneAssist
i. In the event of damage or theft of the Mobile Phone, the Customer
has to call the OneAssist number
to report the damage/theft of the Mobile Phone within 48 Hours of
discovering the damage or Theft.
ii. In order to give a request to block the Mobile Phone / SIM Card,
the Customer should be an existing
customer of OneAssist prior to placing the request for blocking the
Mobile Phone / SIM Card and the
Customers mobile number and Service Provider should be registered
with OneAssist. In case the
Customer had not registered particular details with OneAssist,
OneAssist would attempt to block the
Mobile Phone / SIM Card, with the help of the details provided by
the Customer on a best effort basis.
iii. Upon intimation of damage/theft of the Mobile Phone to
OneAssist, OneAssist shall liaise with the
Telecom Service Provider on behalf of the Customer in order to block
the SIM Card.
iv. The Customer hereby consents to OneAssist acting on its behalf
and to do all such acts necessary in
the performance of its obligations as set out herein vis-a-vis the
Telecom Service Provider.
B. Repair at Brand Authorised Service Centres using Genuine
Parts
OneAssist will repair or replace the Screen device at Brand
Authorised Service Centres using
genuine parts. OneAssist only works with reputable service providers
so that the device is in good
hands and returned to the customer functioning perfectly. The
process is completely cashless for
the customer.
Claim settlement shall be at the sole discretion of the
OneAssist and / or their Insurer.
Covered Equipment:
Mobile Phone which is declared for Coverage under this plan for a
period of 180 days from the date
of purchase of the Plan/OneAssist membership.
Screen Damages to the device happening out of India stands covered
as long as the intimation of
loss is within the stipulated period and the repairs are carried out
in India by OneAssist through their
network.
Used, Refurbished and Second-hand devices are not covered under this
Plan.
Single claims up to the invoice value / Sum Insured of the device
during the Membership Tenure is
allowed.
Coverage:
Accidental damage and Liquid Damage Leading Screen Damage subject to
terms, conditions,
definitions, and exclusions as mentioned below. Liability would be
restricted to the repair cost of
Screen only. Coverage is applicable only on the primary screen of
the covered device, wherever the
device has more than one screen / display in the device.
Accidental Damage means damage to the Screen of the Insured Product
due to unintentional drop
or collision of the covered Product or any object falling on the
covered Product or due to accidental
external means.
Transfer of Protection cover / Plan
The individual cover is not transferable however in case of change
of device due to a new purchase,
change in device serial number during any warranty repair, during
the period of plan by the
customer, cover shall be extended to the new device for the
remaining period of protection cover.
Extension of such coverage to new device will be eligible and
affected only upon notifying the device
change and new device Serial number and other device details to
OneAssist within 2 days of
purchase of new device. Cover for Old device will be terminated. All
other terms applicable for new
device as well, Subject to No claims made on the old device. It is
the responsibility of the Customer
to ensure that all the said information is made available to
OneAssist. OneAssist will be able to
activate the protection cover on new device only after receiving the
new device details from
customer. In case of non-receipt of the required information, any
claim on the said device may be
declined by the One Assist and/or their Insurer at its discretion.
Beneficiary:
Beneficiary means the buyer of the OneAssist product, who has opted
for the One Assist cover and
has got the same activated, as per the terms and conditions stated
herein and the details of which
are intimated to One Assist under the declaration. It is agreed that
Mobile phone used in it should be
in the name of Subscriber or his/her parents/spouse & legitimate
children. The user of the device
must be the plan holder or the immediate family member of the plan
holder /subscriber however
the invoice can be in anyone’s name as long as the device is gifted
to the plan holder/subscriber.
Where the subscriber is a corporate entity, beneficiary shall mean
any representative/employee of
the entity authorized to use the Mobile Phone. It is also agreed
that the device can be used by the
Beneficiary and/or where such subscriber is a corporate entity,
Beneficiary shall mean any
representative/employee of the subscriber who is authorized by the
subscriber to use the device.
In the event of the death of beneficiary, his/her legal heir can
claim for the losses to the damaged
devices Screen only, and the Plan seizes henceforth.
Sum insured: cost of equipment only as per purchase invoice
or sum insured under One Assist as per
the Plan selected by the customer.
Geographic limit – INDIA
Damages to the device happening out of India stands covered if the
intimation of loss is within the
stipulated period and the repairs are carried out in India by
OneAssist through their network
BER: Beyond Economic Repairs
BER is the cost of repair equal to or more than 80% of Sum Insured
or Invoice Value whichever is
lower. In case of Total loss/BER or if the device is beyond repair
due to spare parts unavailability,
device model being phased out in the market or other reasons
OneAssist will settle the claim for
Screen Repair only amount minus deductibles.
Basis of loss settlement:
In the event of repairs (partial loss), insurer’s liability shall be
restricted to the actual repair cost
without applying depreciation on parts or spares replaced but after
applying deductible
In case of multiple damages including Screen, the Liability of
OneAssist and/or their Insurer will be
restricted to Screen Repair cost only. Customer will have the option
of paying the balance
amount to OneAssist for getting their device repaired OR OneAssist
will settle the Screen only
repair charges with customer after applicable deductions.
In case of the Total Loss or BER to insured device, OneAssist will
settle the Screen repair charges
only with customer after deductions and in no case will be more than
the Sum insured.
Excess:
Excess charges will be 10% of Claim Amount for each claim.
Mandatory Device related information for activating protection
cover:
It is mandatory for the Customer to provide the following device
related information to OneAssist
for the purpose of activating Protection cover and for Transferring
the membership to new or
Replaced device as per the above mention ‘’Transfer of Protection
cover’’ clause.
a) Customer Name
b) Serial no.
c) Make and model of the device
d) Invoice value
e) Invoice date
f) Email ID
g) Contact Number
Whereas OneAssist will make all efforts to collect the above
information from the Customer, it is the
responsibility of the Customer to ensure that all the said
information is made available to OneAssist.
OneAssist will be able to activate the protection cover on the said
device only after receiving the
above-mentioned information. In case of non-receipt of the
above-mentioned information, any
claim on the said device may be declined by the One Assist and /or
their Insurer at its discretion.
Depending upon the Plan purchased by the customer and the ageing of
covered device, Photo
images of the device will be required to be submitted by the
customer to activate the plan benefits.
In absence of images, in such cases the claim may not be admissible.
OneAssist reserves the right to
cancel the Customer’s Plan or deny the claim in absence of valid
photos of devices.
GENERAL EXCLUDED PERILS
Accidental Screen Only damage protection:
One Assist and/or their Insurer shall not be liable for the
following -
1. Loss or damage to the Device due to mysterious
circumstances/disappearance or unexplained
reasons.
2. Loss of Device resulting from or caused by theft, or attempted
theft from unlocked vehicles or
rooms.
3. Fraud or criminal activity on the part of the Customer.
4. Claim on device during the hire or loan of the covered device to
a third party.
5. Loss resulting from detention or confiscation by customs or other
Government or public authorities.
6. Any failure of the Device to operate as a result of problems with
respect to the network
infrastructure, Customer's network subscription or similar service
issues.
7. Loss of or Damage to the Device that is registered in the name of
a Corporate Entity, unless a
nominee has been appointed by them as a Bonafide user.
8. Loss arising due to any unlawful act or illegal activities
including criminal acts, or acts of war or the
device is used with permission of the Bonafide Customer having
knowledge of such acts.
9. Consequential loss of any kind or description.
10. Liability to any party of any nature including but not limited
to liability of Authorised Service centre
to other parties.
11. Loss or damage caused by incorrect storage, poor maintenance,
wilful negligence, incorrect
installation, incorrect set- up, unless the authorised Service
Centre representative would confirm
otherwise with due substantiation.
12. Loss or damage as a result of attack by unauthorised
software/virus, software faults and
manufacturing defect owing to which a device fails to operate.
13. Loss or damage that is covered by a supplier, dealer or factory
warranty.
14. Any loss if the ownership of the device is transferred.
15. Any consequence arising from War, War like operations (whether
War declared or not), Act of
Foreign Enemy, Hostilities, Civil War, Rebellion, Insurrection,
Civil Commotion, Military usurped
power, Seizure, Capture, Confiscation, Arrest. Restraints and or
Detainment by order of any
Government or any other Authority.
16. Any liability whatsoever nature directly or indirectly caused by
or contributed to by or arising from
ionizing radioactive or contamination by radioactivity from any
nuclear waste from combustion of
nuclear fuel. For the purpose of this exclusion only combustion
shall include any self-sustaining
process of nuclear fission.
17. Any loss, destruction, damage or legal liability directly or
indirectly caused by or contributed to by or
arising from nuclear weapon materials, Wear and tear, moth, vermin
or gradual deterioration,
inherent defect or from any process of cleaning or repairing or
renovating or maintenance.
18. Any type of self- repair or attempted self- repair.
19. Mechanical or Electrical Breakdown or electronic derangement or
malfunction unless caused by an
external accidental means or liquid.
20. Penalties of delay or detention or in connection with guarantees
of performance or efficiency.
21. Intentional overloading of the instrument. Loss or damage due to
any experiments or tests and/or
alterations resulting into any abnormal conditions.
22. Cost of Replacement of Battery unless caused by an accidental or
liquid damage to the Device.
23. Any damage or loss occasioned from any water borne craft, unless
such damage is caused by the
accidental ingress of liquid/water, and if the Customer has taken
reasonable care to protect the
Device from damage.
24. Any manufacturing defect which is covered under Manufacturer's
warranty Product defects whether
latent/inherent or not.
25. Any loss of or damage to the SIM card/memory card unless caused
by a covered peril.
26. Loss or damage to accessories unless they are attached to the
Device.
27. Internal leakage of the battery, unless caused by a covered
peril. Theft or Damage occurred while
the Device is situated outside India providing the Customer is a
Non-Resident Indian.
28. Any instance where you are not a resident of India at the time
that the Theft or Damage occurred.
29. Any type of SIM/airtime misuse or consequential loss
thereof.
30. Any loss the named Customers may suffer or cost to the Customer
for:
• Damage to or Theft of, or costs or charges, when repairing or
replacing aerials or battery
chargers where these items are the only part of the device that have
been Damaged or stolen;
• any Damage or Theft caused by any deliberate act or negligence by
the covered Member(s),
their employees or any person using the device with their
permission;
• costs or charges when replacing car kits or car Devices and other
accessories which can no
longer be used with the device;
• costs involved in returning the device for repair, or collecting
the device once it has been
repaired;
• costs caused by the device being routinely serviced, inspected,
adjusted or cleaned;
31. Any loss related to indemnification for the Value-added
services.
32. One Assist and/or their Insurer shall not be liable for any loss
or damage claim due to the inability of
the Customer to submit either of the claim processing and claim
payment documents required by
the One Assist for processing the Claim.
33. The Protection cover shall not be liable for any claim if
information has intentionally been withheld
or incorrect information or misrepresentations have been
intentionally given that are of significance
to the assessment of the claim.
34. Improper handling, dismantling, fitting adjustment, repair
alteration or modification not approved
by the makers/manufacturers and/or the agents of
makers/manufacturers or use of such property
country to the directives of the makers/manufacturers and/or this
agent.
35. Scratching, denting. Cracking is excluded unless caused by
accidental external means.
36. OneAssist Protection Plan does not cover any cosmetic defects
like minor scratches, dents and
bumps on the device which do not impact the functioning of the
device.
37. Loss or damage due to theft or attempted theft by any employees
of the customer or loss or damage
occasioned through the wilful act of the customer/member or any
employee or the wilful act of any
other person with a connivance of the customer/member or any
employee.
38. Improper handling of the device which means negligence or due
care not taken by the user in
handling the device. Improper handling means negligence or
carelessness solely on part of the user
(in the absence of any external cause) while handling the
device.
39. Loss or damage directly or indirectly, occasioned by or
happening through or in consequence of
volcanic eruption or other similar convulsion of nature and
atmospheric disturbance.
40. SIM used in the damaged/theft device is in the name of person
other than Subscriber or his/her
spouse/parents and legitimate children.
In any action suit or other proceeding where the company alleges
that by reason of the above provisions any
loss or damage is not covered by the terms, the burden of proving
that such loss or damage is covered shall
be upon the covered member.
Claims process:
A. Accidental/Liquid damage leading to Screen damage: This
refers to loss to customer's Mobile
phone due to accidental / liquid damage.
Pre-requisite for claim processing:
1. Claim form
2. Images of damaged device with clear image of Serial no.
3. Payment for deductibles / excess
4. Device Purchase Invoice
5. Payment of differential between estimate amount and claim
approval amount
6. Govt. issued ID proof of claimant
7. Replacement Letter (if applicable)
Process flow:
a. In case of Accidental and Liquid Damage to the device, Customer
is required to call OneAssist call
center on toll free no. 18001233330 or login to www.oneassist.in
within 48 hours of discovering the
damage.
b. OneAssist team registers the service request and sends copies of
claim form to be filled and required
documentation to the customer over email. Customer can also fill the
form online at
www.oneassist.in.
Customer is required to submit scanned copy of claim form duly
filled up and signed by the customer
along with 4 images of the broken/ damaged device with clear image
showing the device serial
number details within 48 hours of registering the claim.
c. OneAssist will verify the documents received from the customer
over email and if approved
OneAssist will trigger request to its Service Partner for collecting
the device from the Customer,
otherwise, OneAssist will inform customer about deficiencies in the
documentation which will have
to be rectified by the customer.
d. Customer should provide all required documents to OneAssist
within 48 Hrs of filling the claim. One
Assist and/or their insurer reserve the right to close such claims
where the required documents are
not received despite of regular follow-up and reminders.
e. Service Partner will fix an appointment with the customer for
collecting the damaged device, within
48 hours of submitting scanned images to OneAssist.
Different Pickup Scenarios: The Pickup and Delivery of
Customer's device will happen as per the
given below Scenarios.
Pick-up and delivery of device shall be available only on address
registered by customer with
OneAssist. on the written request of customer OneAssist may pick-up/
deliver device at any other
address given by customer provided customer is solely responsible
for loss/ damage in such cases.
Scenario 1- Doorstep service:
Service Description: In this scenario, upon approval of the
claim, OneAssist will arrange for pick-up
of the damaged device from the customer and also deliver the
repaired device to the customer.
City name: The city list of Doorstep service can be downloaded
from www.oneassist.in The
city list
will be updated from time to time.
Scenario 2 - Mail in Process:
Service Description: In this scenario, upon approval of the
claim, OneAssist will arrange for courier
pick up of the damaged device from the customer premise, arrange for
the repair and delivery of
repaired device back to the customer location.
Locations covered: Other than locations covered under
Doorstep service.
Scenario 3- Out of service Location
In this scenario where the device cannot be picked up through
doorstep or courier pick up, due to
lack of such courier services by logistics and courier partners in
these locations, upon approval of the
claim, Customer will be required to courier the damaged device along
with the completed
documents to nearest Service Centre, as guided by OneAssist.
OneAssist will reimburse such cost of
dispatch incurred by customer up on submission of the actual bill.
In these locations, even customer
can go ahead and repair the device on their own with due approval on
the claim on the repair
estimate. In such repairs, customer will have to submit the repair
invoice to claim the
reimbursement, subject to prior approval for the repair is obtained
and all required documents are
in order.
f. Service Partner will submit the device at the Service Center for
repairs; get an estimate for repairs
along with the tentative timelines for repairs with 48 hours of
submitting device to the Service
Center.
g. On receipt of approval from One Assist and/or their Insurer,
OneAssist will communicate the amount
of approval to the customer:
i. If the amount of approval is lower than the estimate amount,
OneAssist will take an approval
from the customer on a recorded line. If the customer accepts to pay
the differential amount
(ie Estimate amount less Claim approval amount) then OneAssist will
instruct its Service
Partner to collect the amount from the customer along with any
pending documents. On
confirmation of receipt of money to the Service Partner's account,
OneAssist will instruct the
Service Center to repair the damaged device of the customer.
ii. If the customer does not agree to pay the differential amount,
then OneAssist will hand over
the device to the customer without repairing the same.
h. If the repair estimate is more than Rs. 20,000/-, then One Assist
and/or their Insurer may arrange for
a surveyor visit. OneAssist will co - ordinate with the Customer for
such visit. Basis the Surveyor
report, OneAssist will co-ordinate with the third party for the
approval of the repair estimate and
inform the customer on the status of the repair claim.
i. On confirmation of repair of the device by the Service Center,
OneAssist will instruct its Service
Partner to collect the same from the Service Center and deliver it
to the customer with an
acknowledgement from the customer the delivery of repair device will
also happen as per the Pickup
scenario mentioned above.
Fault with Repair (FWR)
In case fault occurs in repaired device due to defective repair,
OneAssist will arrange pick-up for retreat such
device subject to following conditions:
1. Customer shall intimate FWR to OneAssist within 48 hours form
receipt of device.
2. Device is in the same condition in which it was delivered with no
further/ additional damages.
Notice of Claim:
The Customer must do the following: -
1. Inform OneAssist within two days of discovering the loss or
damage
2. Any delay in such claim reporting may be condoned by One Assist
and/or their Insurer on merit, if
the delay is proved by the customer to be for reasons beyond his/her
control.
3. Beneficiary to submit all documents with 7 days from date of
notification of the incident to
OneAssist
4. OneAssist to register claims within two days of receipt of all
documents from beneficiary.
5. Submit claim form with the relevant documents as noted in the
claim form at the earliest
6. Beneficiary to submit the device, if BER (Beyond Economic
Repairs) to the OneAssist and/or their
insurer.
7. Cooperate with the Surveyor/Investigator if appointed.
8. The Customer shall produce for the One Assist’s examination all
pertinent documents at such
reasonable times and shall co-operate with the One Assist in all
matters pertaining to any Claims.
Failure to comply with this condition may prejudice the Claim.
Filing a false or a fraudulent Claim will
invalidate the Claim and result in rejecting the Claim and any other
action deemed fit.
9. The Customer shall forward to One Assist original receipts of
purchase, if available
acknowledgement from the police or any other proof whether written
or otherwise to support the
Claim within seven (7) days from the date of notification of a Claim
as stated in above clause.
10. Subject to receipt of all the required documents in original
from the beneficiary, the customer shall
forward to One Assist such documents and obtain information on the
acceptance/rejection of the
Claim.
11. All documents, affidavit information and evidence, as are to be
provided by the Customer under the
Claim Form, must be provided at the Customer 's expense in the form
and nature required in the
Claim Form.
12. In case the claim is rejected or the case is closed without the
repairing of device by OneAssist, the
customer needs to get the device repaired from brand authorized
service center on their own to
avail the benefit of the second claim. OneAssist at their discretion
can ask for the repair invoice of
the repairs done by the customer on their own. On non-submission of
this repair invoice, such claims
will not be entertained.
Claims Servicing Terms and Conditions
1. Pickup for pincodes serviced by Service Partner: Post successful
verification of documents, pickup
will be scheduled for customer within 24 hours. Three
physical/calling attempts will be made to
pickup the device. In case these attempts have failed then an email
will be sent to customer
requesting pickup to be scheduled within 48 hours. In case the
pickup is not successful despite such
multiple attempts, OneAssist reserves the right to close the service
request.
2. Pincodes not serviced by Service Partner: For pincode not
serviced by Service Partners, OneAssist
will inform the customer about the location for shipping the device.
Customer will need to ship the
device and provide the courier details when requested. One Assist
and/or their Insurer reserve the
right to close such claims where the device is not received for
survey/investigation despite of
regular follow-up and reminders
3. During the damage assessment for all Apple devices the customer
needs to switch off the Find My
iPhone feature and for all Mi devices the customer needs to
logout/deactivate the Mi account. If
the FMIP is on or Mi account is not deactivated at the time of
receipt at Service Centre then three
attempts will be made to connect with the customer to deactivate the
FMIP. In case of failure to do
so an email will be triggered to the customer to action the same in
72 hours. In case the customer
fails to do so then OneAssist reserves the right to close the claim
without any further intimation.
4. Device repairs turnaround time is based on availability of spare
parts at the Service Centre. In case of
unavailability of parts, OneAssist reserves the right to propose a
commercial settlement to the
customer. In case of a commercial settlement, consent letter will be
sent to the customer on
his/her registered email address. In case the customer does not
provide his/her consent to
commercial settlement and dispatch the physical letter with
signature within 3 days of receipt of
the email communication then OneAssist reserves the right to
dispatch the unrepaired device back
to the customer without any further intimation, and close the
servicing request.
5. In line with the terms and conditions of the plan, the customer
is required to pay excess charges
towards processing of the device claim. A link/ App intimation/Email
will be sent to the customer
to make the payment. The customer will need to make the payment in 5
days. In case the customer
fails to do so OneAssist reserves the right to dispatch the
unrepaired device back to the customer,
and close the servicing request without any further intimation. In
case of certain OEMs a revised
estimate is received from the Service Centre. In these cases
additional excess charges will be
applicable. The policy for excess will also apply to these
payments.
6. All communications by OneAssist employees/vendor
employees/partner employees/
representatives with the customer will be done at the registered
email address/mobile number. In
case the customer is non contactable then a total of 6 attempts will
be made. If the customer is not
contactable despite such multiple attempts, an email will be to the
customer for action within 48
hours. In case the customer fails to respond within the timeline
then OneAssist reserves the right
to close the service request.
7. OneAssist or any of their executives / employees will never
contact customer for any OTP / CVV /
Card / Personal financial details
ALL COMPLETED CLAIM DOCUMENTS TO BE SUBMITTED WITHIN 7 DAYS
Conditions:
For avoidance of doubt, In the event of the covered device being
lost or destroyed by the operation of
covered perils, the liability of the OneAssist shall be limited to
the Invoice value or Market value or Sum
Insured whichever is lower subject to depreciation as
applicable.
NOTICES:
All notices required to be given by the Customer to OneAssist must
be in writing, addressed to OneAssist and
no alteration in the terms of the protection cover or any
endorsement thereon will be held valid unless the
same is signed or initialled by an authorized representative of One
Assist and/or their Insurer.
DUTY OF THE CUSTOMER:
The Customer shall take all reasonable precautions for the safety
and protection of the covered device at all
times as if the device was uncovered.
DISPUTES & JURISDICTION:
Any disputes or differences under this protection cover shall be
subject to the exclusive jurisdiction of Courts
in Mumbai, India.
INTEREST: No sums payable under this protection cover shall
carry interest other than that is permitted by
the IRDA Policy Holders Protection Regulations.
OBSERVANCE OF TERMS & CONDITIONS:
The due observance and fulfilment of the terms and conditions and
endorsements of this protection cover in
so far as they are relating to anything to be done or complied with
by the plan member shall be condition
precedent to any liability of the One Assist and/or their Insurer to
make any payment under the protection
cover.
FRAUD
OneAssist does not accept any aspect of fraudulent activity. We work
closely with other fraud prevention
institutions to identify fraud and support legal actions where the
appropriate evidence exists.
It is important that when applying for the One Assist Program, or
submitting a claim you or anyone acting on
your behalf must take reasonable care to answer all questions
honestly and to the best of your knowledge.
Failure to do so may affect the validity of your Plan or the payment
of your claim.
If false or inaccurate information or document is provided and fraud
is identified then we will:
1. Not honor the claim and the protection cover will be cancelled
without any refund.
2. Put the details of the fraudulent claim onto One Assist and/or
their Insurer, for appropriate action.
3. Report you to the relevant authorities and take legal action, if
necessary, to recover any money
already paid to you under this Program.
