Terms and Condition

Terms and Conditions

Kotak Mahindra Life Insurance Company Limited ("Kotak Life") having its registered office at 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai - 400051, India, owns and maintains the website https://care.kotaklifeinsurance.com . The website provides the customers of Kotak Life information and services related to their policies.

By availing the services under the Website, you agree to be bound by these Terms of Use. Kotak Life reserves the right, at its sole discretion, to amend or modify or delete portions of these Terms of Use from time to time, without any prior notice. Your continued use of the Website shall be deemed acceptance of the revised Terms of Use.

Disclaimer of Warranties:

All information and material on this Website are provided on an "as is" basis, and are without guarantees or warranties of any kind, express or implied. The information herein is subject to change without notice.

The materials and / or information available or obtained at / through this Website is / are not guaranteed or warranted in terms of completeness, correctness, accuracy, reliability or otherwise howsoever by Kotak Life or its directors or employees. This Website is a resource for informational purposes only and is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. Kotak Life does not warrant that the information contained on this Website is accurate or complete, and hereby disclaims any and all liability to any person for any loss or damage caused by errors or omissions, whether such errors or omissions result from negligence, accident or any other cause. Kotak Life further assumes no liability for the interpretation and / or use of the information contained on this Website, nor does it offer a warranty of any kind, either express or implied.

Except as otherwise expressly permitted by Kotak Life, no materials from this Website, or any Website owned, operated and controlled by Kotak Life may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Users are not permitted to modify or prepare derivative works from the content of this site.

By posting messages, uploading files, inputting data, or engaging in any other form of communication through this site, you are granting to Kotak Life a perpetual, worldwide, royalty free license to:

¿ Use, copy, sublicense, publicly perform or display any such communication; and

¿ Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the communication.

The foregoing grants shall include the right to exploit any proprietary and intellectual property rights in such materials including but not limited to rights under copyright, trademark, service mark, or patent laws under any relevant jurisdiction. Kotak Life Insurance does not intend links from this site to other Internet Websites to be referrals to, endorsements of, or affiliations with the linked entities. Kotak Life Insurance is not responsible for, and makes no representations or warranties about, the contents of websites to which links may be provided from this Website. You specifically acknowledge and agree that Kotak Life Insurance is not liable for any defamatory, offensive or illegal conduct of any user. You also specifically acknowledge that any Communication transmitted by you to Kotak Life Insurance via the Internet may not remain confidential or free from interference by unauthorised third parties during its transmission. Kotak Life Insurance represents that it will maintain the confidentiality of your communication once it reaches the mailbox of the authorised representative of Kotak Life.

Kotak Life does not warrant that the Website will operate error free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. Kotak Life assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of content from, the Website.

Privacy Policy: 

The Privacy Policy of Kotak Life shall be applicable to the use of this Website and its terms and conditions shall form part of these Terms of Use by reference. To view Kotak Life¿s privacy policy, please click here.

Accounts, Password and Security:

In order to avail the services under the Website, you may be required to login using an authentication mechanism deemed secure by Kotak Life.. Any transactions carried out with your login credentials shall be deemed to be conducted by you. You shall be responsible for your transactions and maintaining the confidentiality of your account information, including but not limited to your password and other personal sensitive information related to your account. The computer generated records of your transactions maintained by Kotak Life shall be conclusive proof of these transactions and shall be binding on you. From time to time, Kotak Life may, at its sole discretion, follow security procedures to verify the authenticity of the transaction conducted by you. Such security procedures may include submission of physical documents confirming the transaction.

You agree to notify Kotak Life immediately of any unauthorized use of your account or any other breach of security.


Kotak Life may use "cookies" (i.e. small data files that the Website shall save on your device) for storing visitor preferences, profiling visitors and tracking visitor behaviour on the Website. By visiting the Website, you acknowledge, accept and expressly authorize Kotak Life for the placement of cookies on your device. These ¿cookies¿ will have an expiry period as deemed fit by Kotak Life, and in accordance with the industry standards

Intellectual Property Rights:

The Website and its content, features and functionality, including without limitation, information, software, text, graphics, logos, button icons, images, audio clips, video clips, data compilations and the design, selection and arrangement thereof, are the exclusive property of Kotak Life and our licensors, and are protected by the intellectual property rights laws, and may not be used or exploited in any way without our prior written consent.

No right, title or interest in or to the Website or its content is transferred to you and all rights not expressly granted are reserved. Any use of the Website that is not expressly permitted by these Terms of Use shall be a breach of these Terms of Use.


You agree to indemnify and hold Kotak Life, its officers, directors, employees, agents and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys¿ fees), made against or suffered by Kotak Life due to or arising out of or in connection with your use or misuse of the Website.

Limitation of Liability:

In no event shall Kotak Life be liable for any direct, indirect, incidental, special, consequential, loss of profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, this Website.

Force Majeure:

Kotak Life shall not be liable to perform any of its obligations under these Terms of Use if the performance is prevented, hindered or delayed by a Force Majeure Event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues.

¿Force Majeure Event¿ means any event due to any cause beyond the reasonable control of Kotak Life, including without limitation, sabotage, fire, flood, explosion, acts of God, natural calamity, epidemics, pandemics, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of Government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, or power shut down, faults or failures in telecommunication etc.

Governing Law and Jurisdiction:

The Terms of Use shall be governed by the laws of India and the courts at Mumbai shall have exclusive jurisdiction over matters arising out of these Terms of Use.


Kotak Life reserves the right in its sole discretion to terminate or restrict your use of all or any part of the Website, without notice, for any or no reason, and without liability to you or anyone else. The Terms of Use relating to Intellectual Property Rights, Indemnification, Limitation of Liability, Disclaimer of Warranties, and Governing Law and Jurisdiction shall survive any termination.


Failure to enforce any rights conferred by these Terms of Use shall not be deemed to be a waiver of any such rights or operate so as to the exercise or enforcement thereof at any subsequent time.


If any provision(s) of these Terms of Use is held by any court of competent jurisdiction to be contrary to applicable laws, then such provision(s) shall be severed from the Terms of Use and the other provisions of the Terms of Use shall remain in full force and effect.