Title	Description
Pre-Existing Disease / Illness coverage	Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with insurer.
Waiting Period for New Policy	Waiting period of 3 months for Critical Illness

Disclaimer of Warranties

You expressly agree the use of the service is at your sole risk. The service is provided on an "as is" and "as available" basis. www.rsthanawala.com expressly disclams all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement . www.rsthanawala.com makes no warranty the services will meet your requirements, or the services will be uninterrupted, timely, secure, or error free. Nor does www.rsthanawala.com make any warranty as to the results that may be obtained through the service or that defects in the software will be corrected. You understand and agree any material and/ or data downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and you will be solely responsible for any damage to your computer systems or loss of data that results from the download of such material and/ or data. www.rsthanawala.com makes no warranty regarding any goods or services purchased or obtained through the service or any transactions entered into through the service. No advice or information, whether oral or written, which you obtain from www.rsthanawala.com or through the service shall create any warranty not expressly made herein. You acknowledge that www.rsthanawala.com site may contain links to other web sites operated by third parties ("linked sites"). You acknowledge that, when you click on a link to visit a linked site, a frame may appear that contains the www.rsthanawala.com logo, advertisements and/ or other content selected by www.rsthanawala.com. You acknowledge that www.rsthanawala.com and its sponsors neither endorse nor are affiliated with the linked site or any link contained in a link site, or any changes or updates to such sites. You also acknowledge that www.rsthanawala.com is providing these links to you only as a convenience. www.rsthanawala.com does not endorse in anyway any advertisers/ contents of advertisers on its webpages. Please therefore verify the veracity of all information on your own before undertaking reliance and actioning thereupon. www.rsthanawala.com shall not be responsible nor liable for any consequential damages arising on account of your relying on the contents of the advertisement.

This site is the responsibility of www.rsthanawala.com

We want you to

feel comfortable using our web sites
feel secure submitting information to us
contact us with your questions or concerns about privacy on this site
know that by using our site you are consenting to the collection of certain data

What Information is, or may be, collected from you?

We will collect certain anonymous information in standard usage logs through our Web server, including: computer-identification information obtained from "cookies," sent to your browser from a

web server and stored on your hard drive
an IP address, assigned to the computer which you use
the domain server through which you access our service
the type of computer you're using
the type of web browser you're using

We may collect the following personally identifiable information about you:

name
email address
ZIP/Postal code
demographic profile (like your age, gender,occupation and education);
financial information (like annual income or insurance policy number); and
opinions of features on our websites.

Who collects the information?

We will collect anonymous traffic information from you when you visit our site

We will collect personally identifiable information about you only as part of a voluntary registration process.

Our advertisers may collect anonymous traffic information from their own assigned cookies to your browser

The Site contains links to other Web sites. We are not responsible for the privacy practices of such Web sites

We offer a collection of online services which are available to you. Please understand that any information that is disclosed in these areas becomes public information. We have no control over its use and you should exercise caution when disclosing your personal information to anyone

How's the information used?

We use personal information to:

help us provide personalized features
tailor our sites to your interest
get in touch with you when necessary

We use contact information internally to:

direct our efforts for product improvement
contact you as a survey respondent
notify you if you win any contest; and
send you promotional materials

Generally, we use anonymous traffic information to:

remind us of who you are in order to deliver to you a better and more personalized service from both an advertising and an editorial perspective
recognize your access privileges to our Web sites
make sure that you don't see the same ad repeatedly
help diagnose problems with our server
administer our Web sites
track your session so that we can understand better how people use our sites

With whom will your information be shared?

We will not disclose any of your personally identifiable information to third parties unless:

we have your permission
special circumstances such as compliance with legal authorities
require disclosure

We will not use your financial information for any purpose other than to provide services to you.

What choices are available to you regarding collection, use and distribution of your information?

Supplying personally identifiable information is entirely voluntary. You are not required to register with us in order to use our site. However, we offer some services only to visitors who do register.

Upon request, we will remove your personally identifiable information from our database, thereby canceling your registration.

If we plan to use your personally identifiable information for any commercial purposes, we will notify you at the time we collect that information and allow you to opt-out of having your information used for those purposes.

All sites that are customizable require that you accept cookies. You also must accept cookies to register as someone for access to some of our services. e.g Online Portfolio. For information on how to set your browser to alert you to cookies, or to reject cookies, go to http://www.cookiecentral.com/faq/.

What security procedures are in place to protect information from loss, misuse or alteration?

To protect against the loss, misuse and alteration of the information under our control, we have in place appropriate physical, electronic and managerial procedures. For example, our servers are accessible only to authorized personnel.

Although we will endeavor to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using this site, you agree that we will have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties.

Policy Updates

We reserve the right to change or update these policies at any time upon reasonable notice, effective immediately upon posting to this site.

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