RAHY HEALTHCAREPRIVATE LIMITED, whose registered office is situated at Plot no 702, Sector 39, Jharsa Gurugram, Haryana - 122001 (hereinafter shall be referred to as “RAHY HEALTHCARE,, RAHY HEALTHCARE PRIVATE LIMITED” or “Company” or “us” or “we” are the owner of the web/mobile application/website by the name BHARAT SURAKHA HEALTH CARD and website www.rahyhealthcare.in (“Website“) (App and Website are hereinafter together referred to as the “Platform“). The Product which is BHARAT SURAKHA HEALTH CARD is the collection of Web Application, Webpages, Mobile Application, Website will be refered as Platform or product.
As a user (“User” or “You“) of the Platform, You understand that Platform provides access between multiple Users in the form of consumers, financial institutions, data partners and other partners lenders, borrowers, service providers,Hospitals etc. with a view to facilitate lending and borrowing activities It is hereby clarified that the term “Users” shall mean any person using the Platform i.e. consumers, financial institutions, regulated entities, Hospitals and other partners. Your use of this Platform implies that You have read, understood and agreed to abide by following, disclaimer, terms & conditions (“Terms & Conditions“). These Terms & Conditions read together with our privacy policy govern Your usage of the Platform and the terms for the availing of the Products/Services from the Platform (“Product”).
Please read these Terms & Conditions carefully before accessing or using our Platform. By accessing or using any part of the Platform, you agree to be bound by these Terms & Conditions. If You do not agree to all the terms and conditions of this agreement, then You may not access the Platform or use any services provided by Us.
RAHY HEALTHCAREis a platform facilitating insurance consultation to policy holder and service partners along with the loan transactions between the borrowers and the NBFCs/Banks. All loan applications are approved and sanctioned by NBFCs/Banks registered with RBI and communicated upfront during Loan application.
The Platform provides access to an online platform bringing together consumers, financial institutions, data partners and other partners willing to abide by their respective Terms & Conditions. RAHY Healthcare’s lending partners provide various kind of medical loan products as specifically supplied by the Users through the Platform. In the event You wish to avail any of the Products displayed on the Platform you will be required to provide certain information and our representatives may contact You through phone or email to understand Your requirements. RAHY HEALTHCARE provides various services, including but not limited to (“Services”): Assisting its Users to obtain a Services/Product from various banks and non-banking financial companies who are the lending partners of RAHY HEALTHCARE PRIVATE LIMITED Assisting its Users to provide consultations to Policy holders ,service providers,Hospitals etc For the provision of the above mentioned Services, RAHY HEALTHCARE will be using and sharing the information of the User with multiple financial institutions and other parties, as may be required for the purpose mentioned above and RAHY HEALTHCARE may or through its authorized lenders.
The User of this Platform unequivocally declares and agrees that the User is a natural/ legal person who has attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is allowed to utilize the Services in accordance with the terms and conditions detailed hereinafter. By registering on the Platform, the User hereby undertakes to agree and abide by the Terms & Conditions detailed herein. If the User violates any of these Terms & Conditions or otherwise violates an agreement entered into through the medium of the Platform.
As a User of this Platform, you have agreed to the Terms & Conditions provided hereunder or anywhere else on this Platform including but not limited to disclaimers on this Platform. You are advised to read and understand the said Terms & Conditions and in case You do not wish to agree to these Terms & Conditions, please refrain from using the Platform. RAHY HEALTHCARE reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms and Conditions, at any time. Any changes made to these Terms and Conditions will be available on the website.
If You wish to use the Platform, You are required to maintain an account and will be required to furnish certain information and details, including Your name, email id, contact number and any other information deemed necessary by RAHY HEALTHCAREand as further detailed in the Privacy Policy. You are responsible for maintaining the confidentiality and security of Your account, password, activities that occur in or through Your account and for restricting access to Your computer to prevent unauthorized access to Your account. You agree to accept responsibility for all activities that occur under Your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if You have any reason to believe that Your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner. Please ensure that the details You provide Us with are true, correct, accurate and complete.
RAHY HEALTHCARE collects certain information from You in order to provide the Services. RAHY Healthcare’s use of Your personal information is governed in accordance with the Privacy Policy.
RAHY HEALTHCARE grants You a limited license to access and use the Platform for availing the Services, but not to download any material from it (other than page caching) or modify it, or any portion of it, except with express written consent of RAHY HEALTHCAREand/or its affiliates, as may be applicable.Any unauthorized use of the Platform shall terminate the permission or revoke the license granted by RAHY Healthcare Private Limited.
You are permitted to use content delivered to You through the Service only on the Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, You agree not to reverse engineer or reverse compile any of the Service technology, including but not limited to, any Java applets associated with the Service.
RAHY HEALTHCARE Private Limited has the right and liberty to monitor the content of the Platform at all times which shall include information provided in Your account. The monitoring of the Platform / Platform is important to determine the veracity of the information provided by You and that every User remains in consonance with the Terms & Conditions provided herein. Subject to the Terms & Conditions mentioned herein, RAHY HEALTHCARE shall also have the liberty to remove any objectionable content which is in contravention of the Terms & Conditions herein or share such information with any governmental authority as per procedures laid down by the law for the time being in force in India.
RAHY HEALTHCARE may stop providing the Services and may terminate use of it at any time without giving notice of termination to You. Unless RAHY HEALTHCARE informs the User otherwise, upon any termination, (a) the rights and licenses granted to You in these terms will end; and (b) User must stop using the Platform forthwith. RAHY HEALTHCAREreserves the right to suspend or cease providing any Service and shall have no liability or responsibility to the User in any manner whatsoever if it chooses to do so.
In addition to other prohibitions as set forth in the Terms & Conditions, You are prohibited from using the Platform: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate Your use of the Service or any related website for violating any of the prohibited uses.
Not withstanding anything to the contrary contained herein, neither RAHY HEALTHCARE Private Limited nor its affiliated companies, subsidiaries, officers, share holders, directors, employees or any related party shall have any liability to You or to any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to these Terms & Conditions.
To the maximum extent permitted by law, You waive, release, discharge and hold harmless RAHY Healthcare Private Limited, its affiliated and subsidiary companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of Your use of the Platform.
As a User, You also acknowledge that RAHY HEALTHCARE has maintained and carried out all possible checks and balances to assure the credibility of the Users as listed on the Platform. The information provided on the Platform is based on the information that is provided to RAHY HEALTHCARE. In case the User does not disclose any information to RAHY HEALTHCARE, and the same is not found out at the first instance by RAHY HEALTHCAREdespite all measures adopted to certify the ratings or credibility of a User, RAHY HEALTHCARE shall not be responsible for any claims or liabilitiesRAHY HEALTHCARE is an information platform and the User is entitled to conduct its own diligence before taking any steps to initiate the processes outlined in the Website.
RAHY HEALTHCAREdoes not make any representations or warranties on behalf of the financial service providers, banks or NBFCs partnered with RAHY HEALTHCARE with respect to the financial products / loans provided by such partners on the Platform. RAHY HEALTHCAR Eshall be responsible only to the extent of providing the Services and all liabilities and obligations of the customers / User with respect to the financial products provided by the partners shall be governed by the separate agreement executed between such financial partners and the customers and RAHY HEALTHCARE shall have no liability in this regard whatsoever.
Your use of the service and all information, products and other content (including that of third parties) included in or accessible from the service is at your sole risk. the service is provided on an “as is” and “as available” basis. company expressly disclaim all warranties of any kind as to the service and all information, products and other content (including that of third parties) included in or accessible from the service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and noninfringement. company make no warranty that: (i) The service will meet your requirements, (ii) The service will be uninterrupted, timely, secure, or error-free, (iii) The results that may be obtained from the use of the service will be accurate or reliable, (iv) The quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, or (v) Any errors in the technology will be corrected and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. no advice or information, whether oral or written, obtained by you from company or service provider through or from the service will create any warranty not expressly stated in these terms.
You agree to indemnify, save, and hold RAHY HEALTHCARE, its affiliates, contractors, employees, officers, directors, agents and its third party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to Your use or misuse of the Services or of the Website or App or Platform, any violation by You of these Terms & Conditions, or any breach of the representations, warranties, and covenants made by You herein or Your infringement of any intellectual property or other right of any person or entity, or as a result of any threatening, libelous, obscene, harassing or offensive material posted/ transmitted by You on the Platform. RAHY HEALTHCARE reserves the right, at Your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify RAHY HEALTHCARE, including rights to settle, and You agree to cooperate with RAHY HEALTHCAREs’ defense and settlement of these claims. RAHY HEALTHCAREwill use reasonable efforts to notify You of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Terms & Conditions.
RAHY HEALTHCARE accepts no responsibility for advertisements contained within the Platform. RAHY HEALTHCAREhas no control over and accepts no responsibility for the content of any website or mobile application to which a link from the Platform exists. Such linked websites and mobile applications are provided “as is” for User’s convenience only with no warranty, express or implied, for the information provided within them. RAHY HEALTHCAREdoes not provide any endorsement or recommendation of any third party website or mobile application to which the Platform provides a link. Further, the Users consent and agree that the content provided in the Website and the App shall be synced and shall be available in both mediums.
You acknowledge that RAHY HEALTHCAREis a platform bringing Users together and that the RAHY HEALTHCARE is not engaged in either grant of loan or borrowing any money or assistance for any financial products from any member using the RAHY HEALTHCARE Platform. You acknowledge that the use of the financial products is entirely based on the negotiations between the Users and third party and neither RAHY HEALTHCARE nor its affiliates, contractors, employees, officers, directors, agents and their third party associates, licensors and partners have any interest with regard to any financial products assistance procured by or to a registered User. You acknowledge that RAHY HEALTHCAREwill not be responsible for any claim or damage in case of use of the financial products. RAHY HEALTHCAREin no manner warrants or guarantees the performance of a third party service provider that is providing services through the App. You acknowledge that RAHY HEALTHCARE in no manner guarantees that the Users have provided all the information on this App which is true and correct including his address, phone numbers etc. You acknowledge that it is Your responsibility to verify the information about the person on the Platform and RAHY HEALTHCARE is in no manner liable if the information provided on this App is untrue or incorrect. You acknowledge that RAHY HEALTHCARE is in no manner responsible for any claim of money or damages in the event a person fails to repay the loan or misrepresents his financial status/Claims or commits a fraud or cheating or any other such illegal act.
Your use of this Platform and any Term & Conditions stated in this agreement is subject to laws of India. In case of any disputes arising out of the use of the Website / Services, Courts of Gurugram, Haryana -INDIA will have exclusive jurisdiction.
Users have complete authority to file a complaint/ share feedback if they are disappointed by services rendered by RAHY Healthcare Private Liimted. They can give their complaint/ feedback in writing or by way of an email to the following:
support@rahyhealthcare.in
Once the purchase is successful , Validity for Bharat Suraksha Lite and Bharat Suraksha Plus extends for up to 365 days or until benefits are exhausted.
Once the purchase is successful ,It cannot be transferred/Refunded as per the company policy.
Once a purchase is successfully completed, no refunds will be issued.
We do not entertain cancellation requests or provide refunds after a successful purchase.
Refunds may be considered only in cases of proven fraud, unauthorized transactions, or technical errors leading to overcharges. Please contact our customer support at Support@rahyhealthcare.in if you believe your situation qualifies for an exception.
If you have any questions or concerns about our refund policy, please contact our customer support team at support@rahyhealthcare.in
This policy is subject to change, and any updates will be reflected on our website.