REWARDS PROGRAM TERMS AND CONDITIONS
1. These terms and conditions (“Terms”) are applicable for the rewards program (“Program”) of Navi Technologies Limited (“Navi”). All existing customers of the Navi mobile App (“Navi App ”) who have received a communication link from Navi (“User”) shall be eligible for the Program on purchase/availment of any new product offered by Navi Finserv Private Limited, Navi General Insurance limited or Navi Technologies Limited (collectively referred to as the “Navi Group”) .
2. The Program is valid for all purchase/availments made on and from 00:00 hours on December 14th, 2021 till such time and date that is determined by Navi in its sole discretion.
3. An eligible User shall be a natural person who is a resident Indian and is of the age of 18 years and above as of December 1st, 2021, who registers on the Navi App. Navi may from time to time at its sole discretion, seek any additional information or governmental identity proof from the User.
4. In order to participate in the Program, the User must register/or already be registered on the Navi App and purchase/avail products offered by Navi Group through the Navi App . The program is open to both existing and new Users who purchase/avail Navi Group products during the validity period of the Program set out in Clause 2. For each successful purchase/availment of a Navi Group product, the User will receive an Amazon Pay Gift Card (“Voucher”) ranging from INR 500 to INR 2,000 issued by Qwikcilver Solutions Private Limited and co-branded with Amazon Pay (India) Private Limited (“Amazon”), in the manner set out below.
5. Each Voucher issued is valid for a period of 1 (one) year from the date of issuance. User waives its right to any legal recourse under applicable laws, if a Voucher is redeemed after an expiry of 1(one) year from the Term. Navi reserves the right at its sole discretion to determine the value of the Voucher to be issued to the Referrer for each referral. Navi reserves the right to amend or reduce the value of the Voucher to be issued at any time during the term of the Program prior to issuing the Voucher to the Referrer. On the day the Referee purchases a product, the Referrer is eligible to receive a voucher of value specified on the Terms on that day.
6. The User shall only be deemed to have purchased/availed select Navi Group product on the occurrence of the following events: (i) the User purchases an insurance product offered by Navi General Insurance Limited and is issued the policy document; (ii) a drawdown of the first tranche of a home loan availed by the User from Navi Finserv Private Limited occurs; (iii) such other events that Navi may determine and update in these Terms from time to time.
7. The User agrees that the Navi Group entities may share certain information such as data in relation to the purchase/availment of Navi Group Products for the purpose of issuance of the Vouchers by Navi. The User hereby consents to provision of such information and agrees that all such information received by Navi shall be processed in accordance with Navi’s privacy policy and terms of use.
8. The User hereby consents for Navi and or its authorised agents to contact Navi to offer Navi’s products and services and such contact by Navi or its authorised agents will not result in any breach of the User’s preference as registered with any Do Not Disturb Registry
9. Users who are eligible and who have purchases/availed a product of the Navi Group in accordance with the Terms shall receive the Voucher on the electronic mail address registered with Navi within a period of 1 month from the date of the purchase/availment of the Navi Group product by the User. Navi holds the discretion to alter the timelines mentioned above for sending the Voucher at its sole discretion.
10. The User is eligible to be awarded a Voucher only if the User purchases/avails a product from the Navi Group on the terms and conditions as stipulated by the relevant Navi Group entity.
11. This Program cannot be combined with any other offers or programs. The Program cannot be transferred or assigned to any other person and the User shall not have the right to transfer or assign the Vouchers to any other person. The Voucher cannot be reloaded, resold, transferred for value or redeemed for cash.
12. Eligibility of the User for purchase/availment of the Navi Group products are determined at the sole discretion of the relevant Navi Group entity and is subject to such entity’s approval criteria for the specific product. Only a successful purchase/availment will trigger any communication to the User along with the reward details.
13. Navi reserves the right to, without liability or prejudice to any of its other rights, at any time at its sole discretion, without previous notice and from time to time, withdraw/suspend/amend/cancel this Program, without assigning any reason. Navi may notify/communicate the amended terms and conditions by hosting the same on its mobile application or website or an independent link or in any other manner as decided by Navi. The Users shall be responsible for regularly viewing these Terms, including amendments thereto as may be posted by Navi from time to time and the Users shall be deemed to have accepted the amended terms and conditions.
14. The offer in these Terms is made on a best effort basis and nothing contained in these Terms, or the running of this Program to which they apply, shall be construed as an obligation on Navi or any entity in the Navi Group to continue the Program up to, on or after the time the Program period ends. Nothing mentioned herein amounts to a commitment or representation from Navi to conduct further such programs in future or to continue this Program for the entire duration as mentioned earlier.
15. Navi holds no warranty and is not representative of the delivery, service, suitability, merchantability, availability or quality of any products, services or items being provided by Amazon against the Voucher and/ or pursuant to the Program. Any disputes regarding delivery, service, suitability, merchantability, availability or quality of the products, services and/or items made available to the User against the Voucher or under the Program must be addressed in writing, by the User directly to Amazon and Navi will not entertain any communication in this regard.
16. These Terms are in addition to the terms and conditions of Amazon in relation to the Voucher to which the User agrees by being issued the Voucher. To the extent the terms and conditions of Amazon in relation to the Voucher are inconsistent with these Terms, the terms and conditions of Amazon will prevail with respect to the Voucher and these Terms will prevail with respect to the Program conditions.
17. All Vouchers offered in this Program are subject to the terms and conditions of the issuer of the Voucher. Navi accepts no responsibility for providing any support connected to the Voucher. Navi accepts no responsibility for any variation in value of the Voucher. Navi has made no warranty or guarantee in whole or in part, express or implied, in fact or in law, in relation to the use of any Voucher including, but not limited to, its quality, and merchantability, fitness for a particular purpose or suitability for use.
18. The User by participating in the Program and registering on the Navi App agrees to be bound by these Terms.
19. If the Program anything to be done by Navi or any other entity in respect of the Program is prevented or delayed by causes, circumstances or events beyond the control of Navi or any other entity, including but not limited to computer viruses, tampering, unauthorized intervention, network failure, data storage failure, telecommunications failure, malfunction, interception, fraud, technical failures, floods, fires, accidents, earthquakes, riots, explosions, wars, hostilities, pandemics, acts of government or other causes of like or similar or other character beyond the control of Navi or the other entity/ies, then Navi and/or the other entity(ies) shall not be liable for the same and will not be liable for any consequential damages. Navi reserves the right, in its sole discretion, to cancel, terminate or suspend this Program or any part of this Program upon the occurrence of any aforementioned event beyond the control of Navi.
20. Navi reserves the right to prohibit any User from participating in the Program if, in its sole discretion, Navi finds such User to be tampering with the entry process or the operation of the Program, or if the User has repeatedly shown a disregard for, or attempts to circumvent, these Terms, or acts: (i) in a manner Navi determines to be unfair or inequitable; or (ii) in any other disruptive manner. Any person attempting to defraud or tamper with this Program in any way will be ineligible for the Voucher and may be prosecuted to the full extent of the law. Any failure by Navi to enforce any of these Terms shall not constitute a waiver of these Terms or Navi’s rights.
21. Navi makes no commitment, express or implied, to respond to any feedback, suggestion and, or queries of the User in any form whatsoever pertaining to the Program.
22. CAUTION: ANY ATTEMPT BY ANY INDIVIDUAL TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, NAVI RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW OR SEEK ANY ADDITIONAL APPLICABLE LEGAL RECOURSE.
23. Navi shall be under no liability whatsoever in respect of all actions, claims, demands, proceedings, losses, damages, personal injury (including actual or perceived loss of reputation, defamation or the like) (hereinafter 'Dispute') and costs, charges and expenses whatsoever, arising directly or indirectly out of:
a. any Disputes from third parties relating to the credit, character, and reputation (including actual or perceived loss of reputation, defamation, or the like), alleged to have been caused by the User in relation to the Program. The settlement of this Dispute shall be the sole responsibility of the User;
b. the exercise by Navi of its right to terminate, suspend or alter the Program;
c. any mis-statement, mis-representation, error or omission in any details disclosed to Navi;
d. late, lost, delayed, damaged, misdirected, incomplete, undelivered, inaccurate, illegible or unintelligible entries;
e. telephone, electronic, hardware or software program, network, Internet or computer malfunctions, failures or difficulties of any kind;
f. failed, incomplete, garbled, or delayed computer transmissions;
g. the downloading of any material in connection with this Program;
h. if a Voucher cannot be awarded due to cancellations, delays or interruptions due to acts of God, acts of war (declared or undeclared), natural disasters, pandemics, weather, acts of terrorism, riot or civil disturbance, satellite or equipment failure, federal, state or local law, order or regulation, public health crisis, or order of any court or any condition caused by events beyond the reasonable control of Navi that may cause the Program to be disrupted or corrupted;
i. any injuries, losses or damages of any kind arising in connection with or as a result of the Voucher, or acceptance, possession, or use of the Voucher, or from participation in the Program;
j. redemption of the Voucher on Amazon or any Dispute with Amazon in relation to the Voucher; or
k. any printing or typographical errors in any materials associated with the Program. Proof of submission will not be deemed to be proof of receipt by Navi.
24. NAVI MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND EXPRESS OR IMPLIED, REGARDING ANY VOUCHER OR THE USER’S PARTICIPATION IN THE PROGRAM. BY PARTICIPATING IN THE PROGRAM, EACH USER AGREES TO RELEASE AND HOLD NAVI GROUP AND ITS EMPLOYEES, OFFICERS, DIRECTORS, SHAREHOLDERS, AGENTS, REPRESENTATIVES OF NAVI GROUP, THEIR AFFILIATES, SUBSIDIARIES, ADVERTISING, PROMOTION AND FULFILLMENT AGENCIES HARMLESS FROM ANY AND ALL LOSSES, DAMAGES, RIGHTS, CLAIMS AND ACTIONS OF ANY KIND IN CONNECTION WITH THE PROGRAM OR RESULTING FROM ACCEPTANCE, POSSESSION, OR USE OF THE VOUCHER, INCLUDING WITHOUT LIMITATION, PERSONAL INJURY, DEATH, AND PROPERTY DAMAGE, AND CLAIMS BASED ON PUBLICITY RIGHTS, DEFAMATION, OR INVASION OF PRIVACY. EACH USER ALSO AGREES TO RELEASE AND HOLD NAVI HARMLESS FROM ANY AND ALL LOSSES, DAMAGES, RIGHTS, CLAIMS AND ACTIONS OF ANY KIND IN CONNECTION WITH THE PROGRAM OR RESULTING FROM ACCEPTANCE, POSSESSION, OR USE OF THE VOUCHER, INCLUDING WITHOUT LIMITATION, PERSONAL INJURY, DEATH, AND PROPERTY DAMAGE, AND CLAIMS BASED ON PUBLICITY RIGHTS, DEFAMATION, OR INVASION OF PRIVACY.
25. NO ENTITY IN THE NAVI GROUP SHALL NOT BE LIABLE TO THE USER OR ANY THIRD PARTY FOR DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOSS OF SAVINGS, LOSS OF BUSINESS OPPORTUNITY, REGARDLESS OF THE FORM OF THE ACTION OR THE THEORY OF RECOVERY, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
26. The total aggregate liability of the Navi Group, for claims asserted by a User or any third party in relation with the Program, regardless of the form of the action or the theory of recovery, shall be limited to the lesser of the amount of the Voucher that the User was eligible to receive if any, or not more than INR 500.
27. Except where prohibited by law, the User’s acceptance of the Voucher constitutes express permission for Navi to use User's name, photograph, likeness, statements, entry, biographical information, voice, and address (city and state) worldwide and in all forms of media, in perpetuity, without further compensation.
28. The User agrees that any personal information (“Personal Information”) provided to Navi or its authorized third parties may be used by Navi and its authorized third parties as permitted by Navi’s privacy policy and terms of use. Navi reserves the right to make changes to their privacy policy and terms of use without prior notice. The User should continue to check the privacy policy and terms of use for updates and amendments, as the User will be deemed to have accepted any changes to the privacy policy. The User hereby agrees that Navi may use and retain the Personal Information for a lawful purpose and to the extent deemed necessary by Navi and for any other ancillary purposes as decided by Navi. The User hereby also agree that Navi may transfer or disclose such Personal Information to such other agencies Navi may consider necessary, whether affiliates or otherwise and whether in India or otherwise. The User hereby agrees that: (a) “reasonable security practices and procedures" means the privacy policy of Navi; and (b) accordingly, the rules of the Government of India notified under section 43A of the Information Technology Act, 2000 are hereby excluded.
29. In consideration of Navi providing the User with the opportunity to participate in the Program, the User hereby agrees to indemnify and keep Navi, Navi Group entities and their employees, officers, directors, shareholders, agents, representatives of Navi Group entities (“Indemnified Party”), indemnified from and against all actions, claims, demands, proceedings, losses, damages, personal injury, costs (including legal costs) (hereinafter 'Claim'), charges and expenses whatsoever which the Indemnified Party may at any time incur, sustain, suffer or be put to as a consequence of or by reason of or arising out of:
a. any violation, breach or alleged breach of the Terms by the User.
b. the negligence, mistake or misconduct of the User (directly or indirectly);
c. any Claim relating to unauthorized disclosure or infringement or alleged unauthorized disclosure or infringement of any personal information or confidential information of the User or any other person;
d. any action, suit or claim by any third party arising out of the participation of the User in the Program;
e. any Claim from third parties relating to the credit, character, and reputation (including actual or perceived loss of reputation, defamation, or the like), alleged to have been caused by the User in relation to Program. The liability arising under this Claim shall be the sole responsibility of the User;
f. redemption of the Voucher on Amazon or any Claim from Amazon in relation to the Voucher; and
g. any issues arising out of spyware/viruses/malware that is uploaded by the User.
30. Any tax or other liabilities or charges payable to the government or any other statutory authority/body or any participating establishment, which may arise or accrue to the User due to provision of the Voucher, shall be to the sole account of the User. Tax deducted at source, if any, on the monetary value of the Voucher shall be payable by the User directly.
31. These Terms shall be governed by and interpreted in accordance with the laws of India. Subject to Clause 33, the User hereto unconditionally submits to the exclusive jurisdiction of the courts and tribunals in Bengaluru, India alone for the determination of any matters arising out of or under these Terms. Navi shall not be prevented from taking proceedings relating to a dispute arising out of these Terms in any other courts with jurisdiction. To the extent permitted by applicable law, Navi may take concurrent proceedings in any number of jurisdictions.
32. All disputes or issues arising out of or in connection with these Terms shall be resolved exclusively by binding arbitration conducted in accordance with the Arbitration Centre – Karnataka (Domestic and International) Rules, 2012 by a sole arbitrator appointed in accordance with the said Rules. The seat and venue of the arbitration shall be Bengaluru, Karnataka. The arbitration shall be conducted in the English language. The arbitration award shall be final and binding on the parties.
33. In all matters relating to the Program, the decision of Navi shall be final and binding in all respects.
34. Any provision of these Terms which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but that shall not invalidate the remaining provisions of these Terms or affect such provision in any other jurisdiction.
35. Any reference to a singular term shall include reference to the corresponding plural term and vice versa. Any reference to a gender shall include references to the female, male and neutral genders.
36. Navi shall have the absolute discretion to amend or supplement these Terms without assigning any reasons or without any prior intimation whatsoever.