Card Protection

Terms & Conditions for Your Card Protection Membership - Classic (Single) / Premium (Joint / Platinum (Family)

Please read this information carefully. It sets out terms and conditions of Your contract with CPP for the Card Protection service.

 

Please read this document carefully and keep it in a safe place

Definitions

Where the following words are used in these terms and conditions, they will have the meanings shown below:

 

Abroad – In a country other than India.

Agreement –These terms and conditions of the CPP Card Protection services product and any changes thereto.

Card – Your credit, debit, prepaid, cash and other similar cards.

Card Loss – Loss by You or theft from You of a Card.

CPP - CPP Assistance Services Private Limited, whose corporate office address is at 114-117, Radisson Suites, B-Block, Sushant Lok-I, Gurgaon – 122002, Haryana India and registered office is at 1315, Ansal Tower, 38, Nehru Place, New Delhi – 110019.

Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use the Service (applicable only in case of Platinum (Family) Card Protection Membership)

Fee – Means the amount of Rs. 1245/Rs. 1645/Rs. 1945, plus applicable taxes that You pay when You purchase or renew Your Membership. Membership which is shown in Your Welcome Pack or as agreed with You from time to time. CPP reserves the right to revise its Fee at any point of time.

Home – The place where You permanently reside; which You have given us as Your address.

Issuer – The issuers of the Cards.

Joint Member – Joint Member to include Spouse, specifically named by the Member, entitled to use the Service (applicable only in case of Premium (Joint) Card Protection Membership)

MakeMyTrip - MakeMyTrip (India) Private Limited.

Member – The person who has purchased and is entitled to use the Service whose name appears in the Welcome Pack.

Membership - Your right to use the Service for each year for which You pay the Fee.

Pay Card/ Pay Account – The card or bank account from which the Fee will be collected.

Period of Agreement – The twelve (12) month period from the Start Date.

Renewal Date – The renewal date for Your Membership which is shown in Your Welcome Pack or which We agree with You from time to time.

Service – Shall have the meaning given to it in paragraph A below.

Start Date – The start date for Your Membership once You have paid the Fee for Your Membership.

We, us, our – CPP.

Welcome Pack - means the pack We send to You when You have purchased the Service containing these terms and conditions and other information relevant to the Service.

Year – A period of twelve (12) consecutive months.

You, Your – The Member (including Joint Member (in case of Premium [Joint]) / Family (in case of Platinum [Family]))

The Card Protection service is provided by CPP Assistance Services Private Limited, whose corporate office address is at 114-117, Radisson Suites, B-Block, Sushant Lok-I, Gurgaon – 122002, Haryana, India in conjunction with its third party suppliers/service providers. 

Should You have any queries about these terms and conditions or Your Membership, You can contact us by email at feedback@cppindia.com or by telephoning us on 1800-419-4000 (Toll-free) or +91 921244 4000 or 6000 4000 (please prefix Your city STD code) (lines open twenty-four (24) hours a day, seven (7) days a week).  You can also write to us at the following address:

CPP Assistance Services (Pvt) Ltd

                P O Box No 826,

                Kalkaji Post Office,

                New Delhi - 110019

Card Protection

A: Assistance Services – what is provided?

When You report a Card Loss to us, We will contact the Issuers and ask them to cancel the Card.

If You request at the time of reporting Your Card Loss, the assistance services set out at A1, A2 and A3 may be available to You through MakeMyTrip, who has contracted with us, to provide You the assistance services set out at A1, A2 and A3 below. You consent to us making such enquiries from such persons and/ or organizations as are necessary to assess the claim that You are making. 

Any advance made to You under this Section A shall be interest free and repayable by You to MakeMyTrip within twenty-eight (28) days of the advance being made.  In the event of the advance not being repaid then steps will be taken to recover the advance, the costs of which recovery may be added to the outstanding balance of the advance made. 

A1:          Advance of Emergency Hotel Bills 

1.  If You are Abroad at the time of the Card Loss, We will facilitate through MakeMyTrip an advance direct to Your hotel to cover Your hotel bill up to Rs 80,000 (Classic - Single), Rs 120,000 (Premium - Joint) , Rs. 160,000 (Platinum - Family),  

2.     We will facilitate through MakeMyTrip an advance direct to Your hotel to cover Your hotel bill up to Rs 40,000 (Classic - Single), Rs 60,000  (Premium - Joint), Rs. 80,000 (Platinum - Family), if You suffer a Card Loss in India.

A2:          Emergency Cash Advance

1. If You and Your Joint/Family Member are in India at the time of the Card Loss, We will facilitate through MakeMyTrip an emergency cash advance for You and Your Joint/Family Member of up to Rs. 5,000 (Classic - Single)  or Rs 20,000 (Premium - Joint / Platinum – Family) for basic living expenses and to help You reach Your home if some or part of Your cash is lost or stolen at the same time as the Card Loss.

 

A3: Advance of Replacement Travel Tickets

1.     We will facilitate through MakeMyTrip replacement travel tickets against an advance for You of up to Rs 80,000 (Classic – Single), Rs 120,000 (Premium – Joint), Rs. 160,000 (Platinum – Family), so that You can return to the travel destination nearest to Your Home. We will do this if Your travel tickets have been lost or stolen at the same time as the Card Loss when You are Abroad.

2.     We will facilitate through MakeMyTrip replacement travel tickets against an advance for You of up to Rs 40,000 (Classic - Single), Rs 60,000 (Premium - Joint), Rs. 80,000 (Platinum - Family), so that You can return to the travel destination nearest to Your Home. We will do this if Your travel tickets have been lost or stolen at the same time as the Card Loss whilst You are in India. 

A4:          Passport and driving licence

1      If Your passport or driving licence is lost or stolen while You are Abroad, We will help You with the notifications that You need to make and provide You with such contact details as are necessary.

A5:          Valuable document registration

1. If You register the details of Your valuable documents with us (driving licence, share certificates, insurance policies etc), We will hold those details safe should You ever need to provide these details when the originals are not at hand.

 

A6:          Lost PAN card replacement service

1. Should You lose Your PAN card We will help You to obtain a replacement PAN card free of cost. We will liaise with You to send us the necessary documents required for this to facilitate in replacement of Your PAN card.  

 

A7:          Lost mobile phone reporting service - SIM blocking

1. If You lose Your mobile phone, We will help You with the notifications that You need to make to block Your SIM card.

 

A8:          Mobile phone identifier (IMEI) registration service

1. If You register Your mobile phone IMEI number with us, We will hold it safe should You ever need these details.

 

Services set out in Sections A9 and A10 below are available only for Premium (Joint) and Platinum (Family) Members

A9:          Dedicated Case Officer

1. If You need any assistance or have any queries on Your Card Protection Plan, We will assign You with a dedicated Case Officer to assist and service You. Please call us on the telephone number given in Your Welcome Pack.

 

A10: SMS service

1. In case you want CPP to contact you, you can send a text message to CPP to 56767 and We will call you back at the earliest

 

B: General conditions

Please read this section carefully as it contains important information.

Eligibility

The Service is only available to residents of India who are over the age of eighteen (18).

Term of Membership

1)     Your Membership is available to the person whose name appears in the Welcome Pack only and is non-transferable.

2)     You must provide us with full and accurate information in connection with Your request for the Card Protection services.

3)     Your Membership begins on the Start Date and continues for the period up to the Renewal Date in return for payment of the Fee.

We will renew Your Membership on the Renewal Date by charging Your Pay Card/ Account as provided by You unless You contact us before that date and ask us not to. We will send You a letter informing You of Your Renewal forty-five (45) days in advance of the Renewal Date.

4)     You must report lost or stolen Cards to us by telephone within twenty-four (24) hours of discovering the Card Loss.

5)     Any change or new addition to Your Service shall be intimated to You at least forty - five 45 days in advance and such change shall become applicable to You from the date of such intimation.

Limitations

1)     In the event of theft or loss of Cards, You have to immediately call us to report the loss of the Cards. In case You have not shared the details of a particular Card with us and request the same to be blocked, We shall attempt to block that Card with the help of other details provided by You on a best effort basis. In the event that Your input is required in the form of confidential personal information number (PIN) or a telephone identification number (TIN) (which cannot be disclosed to a third party), We will assist You by conferencing You on the telephone call with the Issuer in order for You to provide such PIN/TIN for authentication purposes.

2)     The services set out in Sections A1, A2 and A3 shall be provided only at the sole discretion of CPP, however, every effort will be made to provide You with emergency funds in line with the terms and conditions set out in sections A1, A2 and A3 of this Agreement.  However, there may be times when it will not be possible to arrange for the transfer of funds to some countries or remote geographical locations due to events or conditions that are out of our control (i.e. political instability, regularity restrictions, war or natural disaster) and for which We cannot be held liable.

3)     Note that services set out in  Section A2 of this Agreement will not be available Abroad and within India, this service will be available in the cities under our coverage network. Please click here to access a current list of cities under our coverage network.

 

Payment

1)     You must pay the Fee on the due dates set out in Your Welcome Pack or which We agree with You from time to time.

2)     CPP reserves the right to revise its Fee at any point of time but it will not change for Your Membership until the next Renewal Date.

 

Cancelling Your Membership

1)     You have a right to cancel Your Membership within thirty (30) days of Your Start Date or Your Renewal Date. If You exercise this right to cancel then Your Membership will be cancelled immediately and any payment You have made refunded in full.

After thirty (30) days the Membership may be cancelled by the Member at any time by giving at least fourteen (14) days written notice to us. You will be refunded the membership fee as per the following refund grid:

Within 30 days:	100% refund
Between 31 and 180 days:	50% refund
Between 181 and 270 days:	Pro-rata basis reference to time
Between 271 and 365 days:	Nil

No refund of fee shall be due on cancellation under any circumstances if You have used any of the features of the Service or if the cancellation notice is provided nine (9) months after the Start Date.

2)     We will cancel Your Membership on written notice to You if:

a)     We do not receive payment of the Fee from You on the date it is due; and/or

b)     You have at any time:

1. given us false or materially incomplete information in relation to Your Membership; or
2. committed a material breach of the terms and conditions of Your Membership.

 

Governing law and Jurisdiction

These terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India. 

We and You agree that all the disputes/differences arising out of or in relation to  this Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in Delhi. You and We agree that terms and all other communications will be issued in English.

Complaints

If at any time You want to tell us about a problem with Your Membership please call us on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 ( please prefix Your city STD code) or You can write to the Complaints Manager at:

                CPP Assistance Services (Pvt) Ltd

                P O Box No 826,

                Kalkaji Post Office,

                New Delhi - 110019

We will do our best to answer Your query within five (5) working days. If We cannot reply to Your complaint by then, We will send You an acknowledgement letter to keep You informed of progress.

If any issue which remains unresolved or unanswered for more than 5 days, You may escalate the matter to escalations@cppindia.com

We assure You to revert to Your query within 48 hours of receipt of Your query.

 

Recording calls

We record all telephone calls made to us. We do this to:

• provide a record of the instructions We have received from You;

• allow us to monitor quality standards;

• help us with staff training; and

• meet legal requirements.

All communications and Membership documents will be in English unless otherwise agreed.

Your consent

By entering into this Agreement You hereby expressly accord Your consent and authorize us to collect all the required data/information including any sensitive personal data or information from You to service You under this Agreement. Prior to providing any information, You have an option not to provide the data or information sought under this Agreement by sending to us a written notice to that effect.

By entering into this Agreement, You hereby expressly accord Your consent that for the better performance of this Agreement We may transfer Your data/information to any city within India or to a country outside India as mentioned herein.  If We do transfer Your data within or outside India, We will make the appropriate checks to ensure that Your data is adequately protected.

Remember that upon request, You have a right to see and review all the personal information We hold about You and if found to be inaccurate or deficient, shall be corrected or amended as feasible. If You would like to request this, please contact our Customer Services Team on 6000 4000. Please note that there will be a separate administration charge for the provision of this information. You have the right to withdraw the consent earlier provided by You with respect to providing Your data/information sought by us anytime while availing the Services. Such withdrawal of the consent shall be intimated in writing to us. However, in the event that You decide not to provide the data/Information sought by us or withdraw the consent earlier given by You, then We retain the right to not provide the services for which such data/information was sought.

Data Protection Notice

We will use the information You provide to:

-          manage Your Membership;

-          collect Fees when due; and

-          provide the Service to You.

 

We will collect the Fee from the card/ bank account that You have informed us is the Pay Card / Pay Account.

If You use a payment card to pay for the Service, We may ask the issuer of that card to tell us about changes in Your address and other personal and financial details so that We can update Your records. This may include, but is not limited to, asking for new card or account numbers and for information about changes to any of Your personal contact details (e.g. phone or fax numbers, or e-mail addresses).

 

We may pass Your personal information to our approved suppliers/service providers including our group companies for the purpose of sending correspondence to You and providing some of the features of the Service to You. They may contact You by post, landline telephone or, if You have previously agreed, by email or mobile phone.  By taking out Your Membership and by giving us Your address, phone number and email address, You agree that We and our approved suppliers/service providers may contact You using these methods, unless You have told us not to.  If You do not want Your details to be used for these purposes, please let us know in writing at any time.

How We protect Your data

We take data security very seriously and go to great lengths to ensure Your information is protected against unauthorised use of any kind. We have appropriate measures in place to safeguard the data We hold. Our Information and Data Security Systems have been verified by accreditation in the form of PCI DSS  certificate for Information Security Management.

Our suppliers/service providers are vetted to ensure they comply with the necessary data protection protocol before they are approved.

We are continually reviewing and updating our security procedures as new technologies become available. All areas of our website where personal information is collected are secure and will display the 'padlock' symbol for reassurance. Where information is transferred it shall be encrypted using the latest encryption technology commercially available.

Please refer to our data privacy policy at our website www.cppindia.com for more details.

Who We may pass Your details to and how they would be used

Updating Your records

We may ask Your Issuer / bank to tell us about changes in Your contact details / details specifically related to the Services (subject to any disclosure contract in this regard that You may have with the Issuer) so We can update Your Membership records.  This may include asking for updated or new Card numbers or bank account details and for information about changes to any personal contact details (e.g. telephone, mobile phone or fax numbers or email addresses).

Providing the Service

If You ask us to report a lost Card, We will pass Your name and address and the details of the Card to the Issuer so that they can cancel it and provide a replacement. If You tell us that Your address has changed, We will pass Your new address details to Your Issuer / Bank so that they can update their records.

When You take the Membership, We pass Your personal details to our approved suppliers to provide some of the services described in Section A. We will only pass to them the minimum amount of information required for them to be able to identify You, should You need these services. Our suppliers will pass Your information (such as Your name, contact details, etc.) to third parties to enable them to assist You only in instances when You require help from them.

We may pass Your personal information to our approved fulfilment and courier vendors so that We can send correspondence to You and provide some of the features of the Service to You.

Marketing and Market Research

To avoid contacting You unnecessarily about products or services You may already have, We will compare Your details with information on prospect files prepared by our business partners. When We do this We may need to tell our business partners/third party suppliers/service providers that You have subscribed for the Service or hold a product with us and disclose enough personal data to allow our business partners/third party suppliers/service providers to identify You on these files.

We and our approved suppliers/service providers may also use Your personal information to contact You about goods and services that might interest You or invite You to take part in market research surveys.  You may be contacted either by post, phone or e-mail for these purposes.  If You would prefer this not to happen, please let us know when You register, or call us at any time if You change Your mind.

MakeMyTrip (India) Private Limited (MakeMyTrip)

When You take out a subscription, We pass Your personal details to MakeMyTrip to provide the services described in Sections A1, A2 and A3. We will only pass to them the minimum amount of information required for them to be able to identify You, should You need these services. MakeMyTrip may pass Your information (such as Your name, contact details, etc.) to third parties to enable them to assist You only in instances when You require help from them. 

Grievance regarding Data Protection issues

If at any time You want to tell us about a problem, discrepancy or grievance regarding Your personal data/information/details or the processing thereof, please call our designated grievance officer Prachala Singh on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000, (please prefix Your city STD code) or You can also write to our grievance officer at:

                CPP Assistance Services (Pvt) Ltd

                P O Box No 826,

                Kalkaji Post Office,

                New Delhi - 110019

Our grievance officer will do his best to expeditiously redress any issues/grievance that You may have within a period of thirty (30) days from the date of receiving Your grievance.

  

CardSure Package Policy Terms and Conditions Classic Single/Premium Joint/Platinum Family Plans

Please read this information carefully.

 

Definitions

Bank - An entity licensed as a Bank under Banking Regulation Act, 1949 and permitted by the Reserve Bank of India to carry on banking business in India.

Beneficiary (or Insured) - The customer of the Policyholder who has purchased the Policyholder’s assistance product and forms part of the Policyholder’s assistance product business group, thereby enabling entitlement for coverage as an insured beneficiary under the Policy as an add-on benefit.

Card(s) – Your credit, debit, ATM, prepaid, cash and other similar cards issued by Issuer.

Claim – Any claim You make as a beneficiary under the Policy following a loss or Unauthorized Use of the Card.

Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use the Policy.

Financial Institution – Institution as defined under section 45 I of the Reserve Bank of India Act, 1934 and shall include a Non Banking Financial Company as defined under section 45 I of the Reserve Bank of India Act, 1934

FIR - The First Information Report issued by the local police or such other authority as is appropriate in the circumstances.

Home – The place where You live and which You have given the address to the Policyholder, before making any Claim.

Insurer (or Company) – HDFC ERGO General Insurance Company Limited (IRDA Reg. No. 125).

Issuer – Bank, Financial Institution or other institution that has issued a Card to the Cardholder.

Merchant Establishment - Establishments wherever located which honour the Card

PIN - Specific personal identification number assigned to the Cardholder by the Card Issuer in connection with the Card.

Policy – Policyholder’s proposal, the Schedule, Company’s covering letter to the Policyholder, insuring clauses, definitions, exclusions, conditions and other terms contained in the Group Policy and any endorsement attaching to or forming part thereof, either at inception or during the period of insurance, issued by the Insurer to the Policyholder, for benefit of the customers of the Policyholder.

Policy Period– The 12 (twelve) month period of time that the Beneficiary is enrolled into the Policy by the Policyholder.

Policyholder – CPP Assistance Services Private Limited.

Schedule - The schedule, and any annexure to it, attached to and forming part of this Policy.

Unauthorised Use – Misuse of the Card by someone else other than You.

You, Your – The Beneficiary.

 

2. Insurance Cover and Benefits under the Policy

Once You and Your Family Members become a part of the Policyholder’s assistance product business group, and are registered by the Insurer as a Beneficiary, and thereafter if Your or Your Family Members’ Card is subject to Unauthorized Use during the Policy Period, the Insurer will not pay more than Rs XXXXXX under the Policy in any Policy Period for any loss and Claim thereon relating to the period falling during the Policy Period and also during the fifteen (15) days period before You reported the Card Loss to the Card Issuer through Policyholder subject to Schedule I, II and III detailed below under which an Issuer holds You or Your Family Members liable to pay as a direct result of Unauthorized Use of the Card. In no event will Insurer pay You for any loss claimed by You due to Card Loss outside of a period of fifteen (15) days prior to the Card Loss report.

 

LOSS OR THEFT OF CARD/UNAUTHORIZED USE THROUGH EDC (ELECTRONIC DATA CAPTURING) TERMINALS

Specific conditions

Notwithstanding anything stated to the contrary in the exclusions of this Policy, this Policy shall cover any Claim or loss resulting from the Unauthorized Use of any Card, due to loss or theft of the Card, including Unauthorized Use through EDC Terminals (under which a Card Issuer holds the Cardholder liable to pay as a direct result of Unauthorized Use of the Card subsequent to the loss or theft of the Card), which has occurred up to a maximum of fifteen (15) days prior to the reporting of the Card loss to the Card Issuer through the Policyholder.

Specific exclusions

The Company will not make any payment in respect of:

1. Any loss or damage arising out of Card transactions occurring outside the period of fifteen (15) days prior to Card loss report to the Card Issuer.
2. In case of Cards forgotten by the Cardholder at the ATM, any loss or damage arising out of Card transactions occurring outside the period of twenty four (24) hours prior to Card loss report to the Card Issuer.
3. Any loss or damage arising out of any Card transactions which have occurred after the loss or theft of Card has been reported to the Card Issuer.
4. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest acts committed by Cardholders in respect of the Card, with intent to defraud the Card Issuer or the Company.
5. Losses sustained by the Cardholders through forgery or alteration of or on any written instrument required in conjunction with any Card.
6. Subject to the specific conditions applicable to Section I above, payments that the Card Issuer is legally entitled to recover from the Cardholders, or the corporate or other legal entity agreeing to honour Card expenses incurred by the Cardholders for any prior periods.
7. The amounts refunded upon cancellation of purchases of products or services by the Cardholders.
8. Loss incurred due to gross negligence on part of the Cardholder.
9. Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with technology infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction (DUKPT), Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card Issuer is liable.
10. Any loss in respect of credit and debit Cards used internationally which are not EMV Chip and PIN enabled and for which the Card Issuer is liable.
11. Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the Card Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer will be liable.

 

LOSS ON CARD DUE TO FRAUDULENT INTERNET BASED TRANSACTIONS AND/OR MISUSE OF PIN

Specific conditions

Notwithstanding anything stated to the contrary in the exclusions of this Policy, this Policy shall cover losses/Claims arising out of unauthorized internet based transactions, using the authorized CVV (Card Verification Value Code) or the PIN (Personal Identification Number) issued to the Cardholder by the Card Issuer, which has occurred up to a maximum of fifteen (15) days prior to the reporting of the loss/Unauthorized Use to the Card Issuer through the Policyholder.

Special exclusions

The Company will not make any payment for any Claim directly or indirectly arising from, or occasioned by, or due to:

1. Any transactions not confirmed by the host website or the authorized bank.
2. Any errors made by the host website or the authorized bank.
3. Loss incurred by the Cardholder due to online transactions, effected on Indian websites and websites hosted overseas not involving an outflow of foreign exchange from India, without the mandatory additional factor of authentication.
4. Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the Card Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer will be liable.
5. Loss incurred, through use of debit Cards, due to breach of security or failure of security mechanism of the Card Issuer.
6. Any transactions made using a PIN that has not been introduced by the Card Issuer in accordance with the Reserve Bank of India’s mandate.
7. Loss incurred due to gross negligence on part of the Cardholder, including, but not limited to, insufficient measures taken by the Cardholder to keep the PIN safe, and recording of the PIN in an intelligible form by the Cardholder.
8. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest acts committed by Cardholders in respect of the Card, with intent to defraud the Company or the Card Issuer.
9. Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with technology infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction (DUKPT), Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card Issuer is liable.
10. Any loss in respect of debit and credit Cards used internationally which are not EMV Chip and PIN enabled and for which the Card Issuer is liable.

 

LOSS ON CARD DUE TO UNAUTHORISED USAGE/ SKIMMING/ COUNTERFEIT/ PHISHING/ COMPROMISED CARDS

Specific conditions

Notwithstanding anything stated to the contrary in the exclusions of this Policy, this Policy shall cover losses/Claims arising out of Unauthorized Use of Cards by skimming, counterfeiting, phishing and compromised Cards which have occurred up to a maximum of fifteen (15) days prior to the Unauthorized Use being reported to the Card Issuer through the Policyholder.

Notwithstanding anything stated to the contrary in this Policy, this Policy shall be applicable to the following:

1. Any Unauthorized Use of a Card where property, labor or services are sold and delivered by a merchant to an individual purporting to be the cardholder using telephone, fax machines, postal services or a computer based system or network.
2. Losses arising out of duplicate or counterfeit Cards issued by the Card Issuer without the Cardholder’s knowledge.
3. Any loss or damage arising due to information obtained by unauthorized access to sensitive information, such as usernames, passwords and any Card details, by masquerading as a trustworthy entity in an electronic communication which is not owned, operated or contracted by the Card Issuer or its bank Card processor.

The Cardholder must notify the Policyholder as soon as practicable, but in any event not more than twenty four (24) hours after receipt of notification of the Unauthorized Use.

Specific exclusions

1. Any loss or damage arising out of Card transactions effected outside the period of fifteen (15) days prior to the reporting of Unauthorized Use of the Card to the Card Issuer.
2. Any loss or damage arising out of any Card transactions which have occurred after the Unauthorized Use has been reported to the Card Issuer.
3. Loss incurred, through use of debit Cards, due to breach of security or failure of security mechanism of the Card Issuer.
4. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest acts committed by Cardholders in respect of the Card, with intent to defraud the Company or the Card Issuer.
5. Loss incurred due to gross negligence on part of the Cardholder, including, but not limited to, insufficient measures taken by the Cardholder to keep his personal and sensitive information safe.

3. General Exclusions

This Policy does not cover Your liability to an Issuer due to Unauthorized Use of Card if:

1. Someone other than You who lives at Your Home uses the Card; or
2. Any consequential loss of whatsoever nature; or
3. The losses are suffered as a result of any act of god, natural disaster, civil war, terrorist act or any other similar occurrence.

4. General Conditions

Your cover under this Policy depends on Your meeting the following conditions:

1. You must meet all of Insurer’s and the Issuer’s terms and conditions. This applies to terms and conditions set out here and any others which the Insurer changes or adds to this Policy at a later date. Any change or new addition by the insurer shall be intimated to You and shall become applicable to You from the date of such intimation.
2. You must declare the details of Your Family Members. In case you fail to do so, the Fraud Insurance Cover may not be provided by the insurer for the Family Members.
3. You must provide the Insurer and/or the Policyholder with full and accurate information in connection with Your Policy.
4. You must follow Your Issuer’s instructions and meet all their terms and conditions when using Your Card(s).
5. You shall immediately notify the nearest police station giving full particulars of the loss, which in any case should be done within twenty-four (24) hours of actual Card Loss.
6. You must report Card Loss to the Policyholder by telephone, immediately after you have discovered the card loss and for any reason not later than twenty-four (24) hours of discovering the Card Loss.
7. You must do all that You reasonably can to avoid making a Claim and keep your Claims as low as possible.
8. You must provide the following documents while making a Claim:
   1. Completed claim form in English/Hindi along with Your latest passport photograph.
   2. Attested Copy of the FIR to Police (or stamped police notification) in regional language and translated in English/Hindi.
   3. Card Statement certified by the concerned card division of the Issuer indicating fraudulent transactions and consumer loss liability.
   4. Letter of Subrogation on Rs.100 stamp paper.
   5. Photo identity proof.
   6. Copy of dispute form with serial / reference number of dispute registered with the concerned bank.
   7. Merchant details (name, address and other contact details) where the Unauthorized transaction has taken place.
9. You must be over the age of eighteen (18) years and must be a resident of India.
10. You shall not transfer, assign or otherwise convey Your respective rights and duties under the Policy to any other person.
11. Renewal of this cover is solely at the discretion of the Insurer.

5. Claims

If You need to make a Claim for loss incurred by You due to Card misuse under the Policy, please call the Policyholder any time on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code). The Policyholder will then send You a claim form to fill in and return to the Policyholder. Your Claims under the Policy must be received by Insurer within thirty (30) days of the loss. Please remember to include all the documents that the Insurer asks for, including FIR if applicable. If You do not, the Insurer will not be able to process Your Claim until the Insurer has received them. If the Insurer has received all the Claim documents that the Insurer needs, the Insurer shall aim to process the Claims within fourteen (14) days counted from the date of receipt of all the claim documents. Insurer may at any time, before settlement of a claim, appoint any External Agency to verify your claim, in which case, the claim shall be settled within 14 days after the receipt of report of the External Agency.

6. Other Insurance

If, at the time of any Claim, there is, or but for the existence of this Policy, would be any other policy of indemnity or insurance in favour or effected by or on behalf of You that would be applicable to any Claim, then the Insurer shall not be liable to pay or contribute more than its rateable proportion of any loss or damage.

7. Cancelling this Agreement

The Insurer and/or the Policyholder will cancel Your Policy if You have at any time:

1. given false or incomplete information to the Insurer and/or the Policyholder; or
2. agreed to help anyone try to take money from the Insurer dishonestly; or
3. You have seized to be customer of Policyholder; or
4. failed to meet the terms and conditions of this Policy, or to act openly and honestly towards the Insurer.

8. Dishonest Claims

If You make a Claim which is in any way dishonest or false or produce any false document, proof or explanation, the Insurer will refuse to make payment of any benefit under the Policy. If You receive a benefit under the Policy and the Insurer later discovers that Your Claim was dishonest or false, the Insurer and/or the Policyholder will take steps to recover from You the payment(s) made by the Insurer.

9. Governing Law & Jurisdiction

These terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India. You, the Policyholder and the Insurer agree that all the disputes/differences arising out of or in relation to this Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in India. You and We agree that terms and all other communications will be issued in English.

10. Role of the Policyholder

The Policyholder will merely act as an administrator in respect of the Policy. This shall give You one point of contact and will enable the Insurer to deal with Your Claim or query quickly and concisely.

The role of the Policyholder in discharging its obligations hereunder shall be that of a mere facilitator, and the Policyholder is not and shall not be liable to You for any Claim, loss, damage, or compensation caused in relation to or arising from or in connection with the Policy.

11. Complaints

If at any time You want to tell the Policyholder about a problem with Your Policy, please call the Policyholder on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code) or You can write to the Manager-Customer Services at:

CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office,
New Delhi - 110019

The Policyholder will make best efforts to answer Your query within five (5) working days. If the Policyholder has not replied to Your complaint by then, the Policyholder will send You an acknowledgement letter to keep You informed of progress.

For full details of Insurance benefits and terms and conditions and exclusions, please refer to the Policy Terms and Conditions and Schedule issued by the Insurer. You may contact the Policyholder or the Insurer in this regard.

Card Protection

Terms & Conditions for Your Card Protection Membership - Classic (Single) / Premium (Joint / Platinum (Family)

Please read this information carefully. It sets out terms and conditions of Your contract with CPP for the Card Protection service.

 

Please read this document carefully and keep it in a safe place

Definitions

Where the following words are used in these terms and conditions, they will have the meanings shown below:

 

Abroad – In a country other than India.

Agreement –These terms and conditions of the CPP Card Protection services product and any changes thereto.

Card – Your credit, debit, prepaid, cash and other similar cards.

Card Loss – Loss by You or theft from You of a Card.

CPP - CPP Assistance Services Private Limited, whose corporate office address is at 114-117, Radisson Suites, B-Block, Sushant Lok-I, Gurgaon – 122002, Haryana India and registered office is at 1315, Ansal Tower, 38, Nehru Place, New Delhi – 110019.

Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use the Service (applicable only in case of Platinum (Family) Card Protection Membership)

Fee – Means the amount of Rs. 1245/Rs. 1645/Rs. 1945, plus applicable taxes that You pay when You purchase or renew Your Membership. Membership which is shown in Your Welcome Pack or as agreed with You from time to time. CPP reserves the right to revise its Fee at any point of time.

Home – The place where You permanently reside; which You have given us as Your address.

Issuer – The issuers of the Cards.

Joint Member – Joint Member to include Spouse, specifically named by the Member, entitled to use the Service (applicable only in case of Premium (Joint) Card Protection Membership)

MakeMyTrip - MakeMyTrip (India) Private Limited.

Member – The person who has purchased and is entitled to use the Service whose name appears in the Welcome Pack.

Membership - Your right to use the Service for each year for which You pay the Fee.

Pay Card/ Pay Account – The card or bank account from which the Fee will be collected.

Period of Agreement – The twelve (12) month period from the Start Date.

Renewal Date – The renewal date for Your Membership which is shown in Your Welcome Pack or which We agree with You from time to time.

Service – Shall have the meaning given to it in paragraph A below.

Start Date – The start date for Your Membership once You have paid the Fee for Your Membership.

We, us, our – CPP.

Welcome Pack - means the pack We send to You when You have purchased the Service containing these terms and conditions and other information relevant to the Service.

Year – A period of twelve (12) consecutive months.

You, Your – The Member (including Joint Member (in case of Premium [Joint]) / Family (in case of Platinum [Family]))

The Card Protection service is provided by CPP Assistance Services Private Limited, whose corporate office address is at 114-117, Radisson Suites, B-Block, Sushant Lok-I, Gurgaon – 122002, Haryana, India in conjunction with its third party suppliers/service providers. 

Should You have any queries about these terms and conditions or Your Membership, You can contact us by email at feedback@cppindia.com or by telephoning us on 1800-419-4000 (Toll-free) or +91 921244 4000 or 6000 4000 (please prefix Your city STD code) (lines open twenty-four (24) hours a day, seven (7) days a week).  You can also write to us at the following address:

CPP Assistance Services (Pvt) Ltd

                P O Box No 826,

                Kalkaji Post Office,

                New Delhi - 110019

Card Protection

A: Assistance Services – what is provided?

When You report a Card Loss to us, We will contact the Issuers and ask them to cancel the Card.

If You request at the time of reporting Your Card Loss, the assistance services set out at A1, A2 and A3 may be available to You through MakeMyTrip, who has contracted with us, to provide You the assistance services set out at A1, A2 and A3 below. You consent to us making such enquiries from such persons and/ or organizations as are necessary to assess the claim that You are making. 

Any advance made to You under this Section A shall be interest free and repayable by You to MakeMyTrip within twenty-eight (28) days of the advance being made.  In the event of the advance not being repaid then steps will be taken to recover the advance, the costs of which recovery may be added to the outstanding balance of the advance made. 

A1:          Advance of Emergency Hotel Bills 

1.  If You are Abroad at the time of the Card Loss, We will facilitate through MakeMyTrip an advance direct to Your hotel to cover Your hotel bill up to Rs 80,000 (Classic - Single), Rs 120,000 (Premium - Joint) , Rs. 160,000 (Platinum - Family),  

2.     We will facilitate through MakeMyTrip an advance direct to Your hotel to cover Your hotel bill up to Rs 40,000 (Classic - Single), Rs 60,000  (Premium - Joint), Rs. 80,000 (Platinum - Family), if You suffer a Card Loss in India.

A2:          Emergency Cash Advance

1. If You and Your Joint/Family Member are in India at the time of the Card Loss, We will facilitate through MakeMyTrip an emergency cash advance for You and Your Joint/Family Member of up to Rs. 5,000 (Classic - Single)  or Rs 20,000 (Premium - Joint / Platinum – Family) for basic living expenses and to help You reach Your home if some or part of Your cash is lost or stolen at the same time as the Card Loss.

 

A3: Advance of Replacement Travel Tickets

1.     We will facilitate through MakeMyTrip replacement travel tickets against an advance for You of up to Rs 80,000 (Classic – Single), Rs 120,000 (Premium – Joint), Rs. 160,000 (Platinum – Family), so that You can return to the travel destination nearest to Your Home. We will do this if Your travel tickets have been lost or stolen at the same time as the Card Loss when You are Abroad.

2.     We will facilitate through MakeMyTrip replacement travel tickets against an advance for You of up to Rs 40,000 (Classic - Single), Rs 60,000 (Premium - Joint), Rs. 80,000 (Platinum - Family), so that You can return to the travel destination nearest to Your Home. We will do this if Your travel tickets have been lost or stolen at the same time as the Card Loss whilst You are in India. 

A4:          Passport and driving licence

1      If Your passport or driving licence is lost or stolen while You are Abroad, We will help You with the notifications that You need to make and provide You with such contact details as are necessary.

A5:          Valuable document registration

1. If You register the details of Your valuable documents with us (driving licence, share certificates, insurance policies etc), We will hold those details safe should You ever need to provide these details when the originals are not at hand.

 

A6:          Lost PAN card replacement service

1. Should You lose Your PAN card We will help You to obtain a replacement PAN card free of cost. We will liaise with You to send us the necessary documents required for this to facilitate in replacement of Your PAN card.  

 

A7:          Lost mobile phone reporting service - SIM blocking

1. If You lose Your mobile phone, We will help You with the notifications that You need to make to block Your SIM card.

 

A8:          Mobile phone identifier (IMEI) registration service

1. If You register Your mobile phone IMEI number with us, We will hold it safe should You ever need these details.

 

Services set out in Sections A9 and A10 below are available only for Premium (Joint) and Platinum (Family) Members

A9:          Dedicated Case Officer

1. If You need any assistance or have any queries on Your Card Protection Plan, We will assign You with a dedicated Case Officer to assist and service You. Please call us on the telephone number given in Your Welcome Pack.

 

A10: SMS service

1. In case you want CPP to contact you, you can send a text message to CPP to 56767 and We will call you back at the earliest

 

B: General conditions

Please read this section carefully as it contains important information.

Eligibility

The Service is only available to residents of India who are over the age of eighteen (18).

Term of Membership

1)     Your Membership is available to the person whose name appears in the Welcome Pack only and is non-transferable.

2)     You must provide us with full and accurate information in connection with Your request for the Card Protection services.

3)     Your Membership begins on the Start Date and continues for the period up to the Renewal Date in return for payment of the Fee.

We will renew Your Membership on the Renewal Date by charging Your Pay Card/ Account as provided by You unless You contact us before that date and ask us not to. We will send You a letter informing You of Your Renewal forty-five (45) days in advance of the Renewal Date.

4)     You must report lost or stolen Cards to us by telephone within twenty-four (24) hours of discovering the Card Loss.

5)     Any change or new addition to Your Service shall be intimated to You at least forty - five 45 days in advance and such change shall become applicable to You from the date of such intimation.

Limitations

1)     In the event of theft or loss of Cards, You have to immediately call us to report the loss of the Cards. In case You have not shared the details of a particular Card with us and request the same to be blocked, We shall attempt to block that Card with the help of other details provided by You on a best effort basis. In the event that Your input is required in the form of confidential personal information number (PIN) or a telephone identification number (TIN) (which cannot be disclosed to a third party), We will assist You by conferencing You on the telephone call with the Issuer in order for You to provide such PIN/TIN for authentication purposes.

2)     The services set out in Sections A1, A2 and A3 shall be provided only at the sole discretion of CPP, however, every effort will be made to provide You with emergency funds in line with the terms and conditions set out in sections A1, A2 and A3 of this Agreement.  However, there may be times when it will not be possible to arrange for the transfer of funds to some countries or remote geographical locations due to events or conditions that are out of our control (i.e. political instability, regularity restrictions, war or natural disaster) and for which We cannot be held liable.

3)     Note that services set out in  Section A2 of this Agreement will not be available Abroad and within India, this service will be available in the cities under our coverage network. Please click here to access a current list of cities under our coverage network.

 

Payment

1)     You must pay the Fee on the due dates set out in Your Welcome Pack or which We agree with You from time to time.

2)     CPP reserves the right to revise its Fee at any point of time but it will not change for Your Membership until the next Renewal Date.

 

Cancelling Your Membership

1)     You have a right to cancel Your Membership within thirty (30) days of Your Start Date or Your Renewal Date. If You exercise this right to cancel then Your Membership will be cancelled immediately and any payment You have made refunded in full.

After thirty (30) days the Membership may be cancelled by the Member at any time by giving at least fourteen (14) days written notice to us. You will be refunded the membership fee as per the following refund grid:

Within 30 days:	100% refund
Between 31 and 180 days:	50% refund
Between 181 and 270 days:	Pro-rata basis reference to time
Between 271 and 365 days:	Nil

No refund of fee shall be due on cancellation under any circumstances if You have used any of the features of the Service or if the cancellation notice is provided nine (9) months after the Start Date.

2)     We will cancel Your Membership on written notice to You if:

a)     We do not receive payment of the Fee from You on the date it is due; and/or

b)     You have at any time:

1. given us false or materially incomplete information in relation to Your Membership; or
2. committed a material breach of the terms and conditions of Your Membership.

 

Governing law and Jurisdiction

These terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India. 

We and You agree that all the disputes/differences arising out of or in relation to  this Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in Delhi. You and We agree that terms and all other communications will be issued in English.

Complaints

If at any time You want to tell us about a problem with Your Membership please call us on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 ( please prefix Your city STD code) or You can write to the Complaints Manager at:

                CPP Assistance Services (Pvt) Ltd

                P O Box No 826,

                Kalkaji Post Office,

                New Delhi - 110019

We will do our best to answer Your query within five (5) working days. If We cannot reply to Your complaint by then, We will send You an acknowledgement letter to keep You informed of progress.

If any issue which remains unresolved or unanswered for more than 5 days, You may escalate the matter to escalations@cppindia.com

We assure You to revert to Your query within 48 hours of receipt of Your query.

 

Recording calls

We record all telephone calls made to us. We do this to:

• provide a record of the instructions We have received from You;

• allow us to monitor quality standards;

• help us with staff training; and

• meet legal requirements.

All communications and Membership documents will be in English unless otherwise agreed.

Your consent

By entering into this Agreement You hereby expressly accord Your consent and authorize us to collect all the required data/information including any sensitive personal data or information from You to service You under this Agreement. Prior to providing any information, You have an option not to provide the data or information sought under this Agreement by sending to us a written notice to that effect.

By entering into this Agreement, You hereby expressly accord Your consent that for the better performance of this Agreement We may transfer Your data/information to any city within India or to a country outside India as mentioned herein.  If We do transfer Your data within or outside India, We will make the appropriate checks to ensure that Your data is adequately protected.

Remember that upon request, You have a right to see and review all the personal information We hold about You and if found to be inaccurate or deficient, shall be corrected or amended as feasible. If You would like to request this, please contact our Customer Services Team on 6000 4000. Please note that there will be a separate administration charge for the provision of this information. You have the right to withdraw the consent earlier provided by You with respect to providing Your data/information sought by us anytime while availing the Services. Such withdrawal of the consent shall be intimated in writing to us. However, in the event that You decide not to provide the data/Information sought by us or withdraw the consent earlier given by You, then We retain the right to not provide the services for which such data/information was sought.

Data Protection Notice

We will use the information You provide to:

-          manage Your Membership;

-          collect Fees when due; and

-          provide the Service to You.

 

We will collect the Fee from the card/ bank account that You have informed us is the Pay Card / Pay Account.

If You use a payment card to pay for the Service, We may ask the issuer of that card to tell us about changes in Your address and other personal and financial details so that We can update Your records. This may include, but is not limited to, asking for new card or account numbers and for information about changes to any of Your personal contact details (e.g. phone or fax numbers, or e-mail addresses).

 

We may pass Your personal information to our approved suppliers/service providers including our group companies for the purpose of sending correspondence to You and providing some of the features of the Service to You. They may contact You by post, landline telephone or, if You have previously agreed, by email or mobile phone.  By taking out Your Membership and by giving us Your address, phone number and email address, You agree that We and our approved suppliers/service providers may contact You using these methods, unless You have told us not to.  If You do not want Your details to be used for these purposes, please let us know in writing at any time.

How We protect Your data

We take data security very seriously and go to great lengths to ensure Your information is protected against unauthorised use of any kind. We have appropriate measures in place to safeguard the data We hold. Our Information and Data Security Systems have been verified by accreditation in the form of PCI DSS  certificate for Information Security Management.

Our suppliers/service providers are vetted to ensure they comply with the necessary data protection protocol before they are approved.

We are continually reviewing and updating our security procedures as new technologies become available. All areas of our website where personal information is collected are secure and will display the 'padlock' symbol for reassurance. Where information is transferred it shall be encrypted using the latest encryption technology commercially available.

Please refer to our data privacy policy at our website www.cppindia.com for more details.

Who We may pass Your details to and how they would be used

Updating Your records

We may ask Your Issuer / bank to tell us about changes in Your contact details / details specifically related to the Services (subject to any disclosure contract in this regard that You may have with the Issuer) so We can update Your Membership records.  This may include asking for updated or new Card numbers or bank account details and for information about changes to any personal contact details (e.g. telephone, mobile phone or fax numbers or email addresses).

Providing the Service

If You ask us to report a lost Card, We will pass Your name and address and the details of the Card to the Issuer so that they can cancel it and provide a replacement. If You tell us that Your address has changed, We will pass Your new address details to Your Issuer / Bank so that they can update their records.

When You take the Membership, We pass Your personal details to our approved suppliers to provide some of the services described in Section A. We will only pass to them the minimum amount of information required for them to be able to identify You, should You need these services. Our suppliers will pass Your information (such as Your name, contact details, etc.) to third parties to enable them to assist You only in instances when You require help from them.

We may pass Your personal information to our approved fulfilment and courier vendors so that We can send correspondence to You and provide some of the features of the Service to You.

Marketing and Market Research

To avoid contacting You unnecessarily about products or services You may already have, We will compare Your details with information on prospect files prepared by our business partners. When We do this We may need to tell our business partners/third party suppliers/service providers that You have subscribed for the Service or hold a product with us and disclose enough personal data to allow our business partners/third party suppliers/service providers to identify You on these files.

We and our approved suppliers/service providers may also use Your personal information to contact You about goods and services that might interest You or invite You to take part in market research surveys.  You may be contacted either by post, phone or e-mail for these purposes.  If You would prefer this not to happen, please let us know when You register, or call us at any time if You change Your mind.

MakeMyTrip (India) Private Limited (MakeMyTrip)

When You take out a subscription, We pass Your personal details to MakeMyTrip to provide the services described in Sections A1, A2 and A3. We will only pass to them the minimum amount of information required for them to be able to identify You, should You need these services. MakeMyTrip may pass Your information (such as Your name, contact details, etc.) to third parties to enable them to assist You only in instances when You require help from them. 

Grievance regarding Data Protection issues

If at any time You want to tell us about a problem, discrepancy or grievance regarding Your personal data/information/details or the processing thereof, please call our designated grievance officer Prachala Singh on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000, (please prefix Your city STD code) or You can also write to our grievance officer at:

                CPP Assistance Services (Pvt) Ltd

                P O Box No 826,

                Kalkaji Post Office,

                New Delhi - 110019

Our grievance officer will do his best to expeditiously redress any issues/grievance that You may have within a period of thirty (30) days from the date of receiving Your grievance.

  

CardSure Package Policy Terms and Conditions Classic Single/Premium Joint/Platinum Family Plans

Please read this information carefully.

 

Definitions

Bank - An entity licensed as a Bank under Banking Regulation Act, 1949 and permitted by the Reserve Bank of India to carry on banking business in India.

Beneficiary (or Insured) - The customer of the Policyholder who has purchased the Policyholder’s assistance product and forms part of the Policyholder’s assistance product business group, thereby enabling entitlement for coverage as an insured beneficiary under the Policy as an add-on benefit.

Card(s) – Your credit, debit, ATM, prepaid, cash and other similar cards issued by Issuer.

Claim – Any claim You make as a beneficiary under the Policy following a loss or Unauthorized Use of the Card.

Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use the Policy.

Financial Institution – Institution as defined under section 45 I of the Reserve Bank of India Act, 1934 and shall include a Non Banking Financial Company as defined under section 45 I of the Reserve Bank of India Act, 1934

FIR - The First Information Report issued by the local police or such other authority as is appropriate in the circumstances.

Home – The place where You live and which You have given the address to the Policyholder, before making any Claim.

Insurer (or Company) – HDFC ERGO General Insurance Company Limited (IRDA Reg. No. 125).

Issuer – Bank, Financial Institution or other institution that has issued a Card to the Cardholder.

Merchant Establishment - Establishments wherever located which honour the Card

PIN - Specific personal identification number assigned to the Cardholder by the Card Issuer in connection with the Card.

Policy – Policyholder’s proposal, the Schedule, Company’s covering letter to the Policyholder, insuring clauses, definitions, exclusions, conditions and other terms contained in the Group Policy and any endorsement attaching to or forming part thereof, either at inception or during the period of insurance, issued by the Insurer to the Policyholder, for benefit of the customers of the Policyholder.

Policy Period– The 12 (twelve) month period of time that the Beneficiary is enrolled into the Policy by the Policyholder.

Policyholder – CPP Assistance Services Private Limited.

Schedule - The schedule, and any annexure to it, attached to and forming part of this Policy.

Unauthorised Use – Misuse of the Card by someone else other than You.

You, Your – The Beneficiary.

 

2. Insurance Cover and Benefits under the Policy

Once You and Your Family Members become a part of the Policyholder’s assistance product business group, and are registered by the Insurer as a Beneficiary, and thereafter if Your or Your Family Members’ Card is subject to Unauthorized Use during the Policy Period, the Insurer will not pay more than Rs XXXXXX under the Policy in any Policy Period for any loss and Claim thereon relating to the period falling during the Policy Period and also during the fifteen (15) days period before You reported the Card Loss to the Card Issuer through Policyholder subject to Schedule I, II and III detailed below under which an Issuer holds You or Your Family Members liable to pay as a direct result of Unauthorized Use of the Card. In no event will Insurer pay You for any loss claimed by You due to Card Loss outside of a period of fifteen (15) days prior to the Card Loss report.

 

LOSS OR THEFT OF CARD/UNAUTHORIZED USE THROUGH EDC (ELECTRONIC DATA CAPTURING) TERMINALS

Specific conditions

Notwithstanding anything stated to the contrary in the exclusions of this Policy, this Policy shall cover any Claim or loss resulting from the Unauthorized Use of any Card, due to loss or theft of the Card, including Unauthorized Use through EDC Terminals (under which a Card Issuer holds the Cardholder liable to pay as a direct result of Unauthorized Use of the Card subsequent to the loss or theft of the Card), which has occurred up to a maximum of fifteen (15) days prior to the reporting of the Card loss to the Card Issuer through the Policyholder.

Specific exclusions

The Company will not make any payment in respect of:

1. Any loss or damage arising out of Card transactions occurring outside the period of fifteen (15) days prior to Card loss report to the Card Issuer.
2. In case of Cards forgotten by the Cardholder at the ATM, any loss or damage arising out of Card transactions occurring outside the period of twenty four (24) hours prior to Card loss report to the Card Issuer.
3. Any loss or damage arising out of any Card transactions which have occurred after the loss or theft of Card has been reported to the Card Issuer.
4. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest acts committed by Cardholders in respect of the Card, with intent to defraud the Card Issuer or the Company.
5. Losses sustained by the Cardholders through forgery or alteration of or on any written instrument required in conjunction with any Card.
6. Subject to the specific conditions applicable to Section I above, payments that the Card Issuer is legally entitled to recover from the Cardholders, or the corporate or other legal entity agreeing to honour Card expenses incurred by the Cardholders for any prior periods.
7. The amounts refunded upon cancellation of purchases of products or services by the Cardholders.
8. Loss incurred due to gross negligence on part of the Cardholder.
9. Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with technology infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction (DUKPT), Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card Issuer is liable.
10. Any loss in respect of credit and debit Cards used internationally which are not EMV Chip and PIN enabled and for which the Card Issuer is liable.
11. Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the Card Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer will be liable.

 

LOSS ON CARD DUE TO FRAUDULENT INTERNET BASED TRANSACTIONS AND/OR MISUSE OF PIN

Specific conditions

Notwithstanding anything stated to the contrary in the exclusions of this Policy, this Policy shall cover losses/Claims arising out of unauthorized internet based transactions, using the authorized CVV (Card Verification Value Code) or the PIN (Personal Identification Number) issued to the Cardholder by the Card Issuer, which has occurred up to a maximum of fifteen (15) days prior to the reporting of the loss/Unauthorized Use to the Card Issuer through the Policyholder.

Special exclusions

The Company will not make any payment for any Claim directly or indirectly arising from, or occasioned by, or due to:

1. Any transactions not confirmed by the host website or the authorized bank.
2. Any errors made by the host website or the authorized bank.
3. Loss incurred by the Cardholder due to online transactions, effected on Indian websites and websites hosted overseas not involving an outflow of foreign exchange from India, without the mandatory additional factor of authentication.
4. Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the Card Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer will be liable.
5. Loss incurred, through use of debit Cards, due to breach of security or failure of security mechanism of the Card Issuer.
6. Any transactions made using a PIN that has not been introduced by the Card Issuer in accordance with the Reserve Bank of India’s mandate.
7. Loss incurred due to gross negligence on part of the Cardholder, including, but not limited to, insufficient measures taken by the Cardholder to keep the PIN safe, and recording of the PIN in an intelligible form by the Cardholder.
8. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest acts committed by Cardholders in respect of the Card, with intent to defraud the Company or the Card Issuer.
9. Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with technology infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction (DUKPT), Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card Issuer is liable.
10. Any loss in respect of debit and credit Cards used internationally which are not EMV Chip and PIN enabled and for which the Card Issuer is liable.

 

LOSS ON CARD DUE TO UNAUTHORISED USAGE/ SKIMMING/ COUNTERFEIT/ PHISHING/ COMPROMISED CARDS

Specific conditions

Notwithstanding anything stated to the contrary in the exclusions of this Policy, this Policy shall cover losses/Claims arising out of Unauthorized Use of Cards by skimming, counterfeiting, phishing and compromised Cards which have occurred up to a maximum of fifteen (15) days prior to the Unauthorized Use being reported to the Card Issuer through the Policyholder.

Notwithstanding anything stated to the contrary in this Policy, this Policy shall be applicable to the following:

1. Any Unauthorized Use of a Card where property, labor or services are sold and delivered by a merchant to an individual purporting to be the cardholder using telephone, fax machines, postal services or a computer based system or network.
2. Losses arising out of duplicate or counterfeit Cards issued by the Card Issuer without the Cardholder’s knowledge.
3. Any loss or damage arising due to information obtained by unauthorized access to sensitive information, such as usernames, passwords and any Card details, by masquerading as a trustworthy entity in an electronic communication which is not owned, operated or contracted by the Card Issuer or its bank Card processor.

The Cardholder must notify the Policyholder as soon as practicable, but in any event not more than twenty four (24) hours after receipt of notification of the Unauthorized Use.

Specific exclusions

1. Any loss or damage arising out of Card transactions effected outside the period of fifteen (15) days prior to the reporting of Unauthorized Use of the Card to the Card Issuer.
2. Any loss or damage arising out of any Card transactions which have occurred after the Unauthorized Use has been reported to the Card Issuer.
3. Loss incurred, through use of debit Cards, due to breach of security or failure of security mechanism of the Card Issuer.
4. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest acts committed by Cardholders in respect of the Card, with intent to defraud the Company or the Card Issuer.
5. Loss incurred due to gross negligence on part of the Cardholder, including, but not limited to, insufficient measures taken by the Cardholder to keep his personal and sensitive information safe.

3. General Exclusions

This Policy does not cover Your liability to an Issuer due to Unauthorized Use of Card if:

1. Someone other than You who lives at Your Home uses the Card; or
2. Any consequential loss of whatsoever nature; or
3. The losses are suffered as a result of any act of god, natural disaster, civil war, terrorist act or any other similar occurrence.

4. General Conditions

Your cover under this Policy depends on Your meeting the following conditions:

1. You must meet all of Insurer’s and the Issuer’s terms and conditions. This applies to terms and conditions set out here and any others which the Insurer changes or adds to this Policy at a later date. Any change or new addition by the insurer shall be intimated to You and shall become applicable to You from the date of such intimation.
2. You must declare the details of Your Family Members. In case you fail to do so, the Fraud Insurance Cover may not be provided by the insurer for the Family Members.
3. You must provide the Insurer and/or the Policyholder with full and accurate information in connection with Your Policy.
4. You must follow Your Issuer’s instructions and meet all their terms and conditions when using Your Card(s).
5. You shall immediately notify the nearest police station giving full particulars of the loss, which in any case should be done within twenty-four (24) hours of actual Card Loss.
6. You must report Card Loss to the Policyholder by telephone, immediately after you have discovered the card loss and for any reason not later than twenty-four (24) hours of discovering the Card Loss.
7. You must do all that You reasonably can to avoid making a Claim and keep your Claims as low as possible.
8. You must provide the following documents while making a Claim:
   1. Completed claim form in English/Hindi along with Your latest passport photograph.
   2. Attested Copy of the FIR to Police (or stamped police notification) in regional language and translated in English/Hindi.
   3. Card Statement certified by the concerned card division of the Issuer indicating fraudulent transactions and consumer loss liability.
   4. Letter of Subrogation on Rs.100 stamp paper.
   5. Photo identity proof.
   6. Copy of dispute form with serial / reference number of dispute registered with the concerned bank.
   7. Merchant details (name, address and other contact details) where the Unauthorized transaction has taken place.
9. You must be over the age of eighteen (18) years and must be a resident of India.
10. You shall not transfer, assign or otherwise convey Your respective rights and duties under the Policy to any other person.
11. Renewal of this cover is solely at the discretion of the Insurer.

5. Claims

If You need to make a Claim for loss incurred by You due to Card misuse under the Policy, please call the Policyholder any time on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code). The Policyholder will then send You a claim form to fill in and return to the Policyholder. Your Claims under the Policy must be received by Insurer within thirty (30) days of the loss. Please remember to include all the documents that the Insurer asks for, including FIR if applicable. If You do not, the Insurer will not be able to process Your Claim until the Insurer has received them. If the Insurer has received all the Claim documents that the Insurer needs, the Insurer shall aim to process the Claims within fourteen (14) days counted from the date of receipt of all the claim documents. Insurer may at any time, before settlement of a claim, appoint any External Agency to verify your claim, in which case, the claim shall be settled within 14 days after the receipt of report of the External Agency.

6. Other Insurance

If, at the time of any Claim, there is, or but for the existence of this Policy, would be any other policy of indemnity or insurance in favour or effected by or on behalf of You that would be applicable to any Claim, then the Insurer shall not be liable to pay or contribute more than its rateable proportion of any loss or damage.

7. Cancelling this Agreement

The Insurer and/or the Policyholder will cancel Your Policy if You have at any time:

1. given false or incomplete information to the Insurer and/or the Policyholder; or
2. agreed to help anyone try to take money from the Insurer dishonestly; or
3. You have seized to be customer of Policyholder; or
4. failed to meet the terms and conditions of this Policy, or to act openly and honestly towards the Insurer.

8. Dishonest Claims

If You make a Claim which is in any way dishonest or false or produce any false document, proof or explanation, the Insurer will refuse to make payment of any benefit under the Policy. If You receive a benefit under the Policy and the Insurer later discovers that Your Claim was dishonest or false, the Insurer and/or the Policyholder will take steps to recover from You the payment(s) made by the Insurer.

9. Governing Law & Jurisdiction

These terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India. You, the Policyholder and the Insurer agree that all the disputes/differences arising out of or in relation to this Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in India. You and We agree that terms and all other communications will be issued in English.

10. Role of the Policyholder

The Policyholder will merely act as an administrator in respect of the Policy. This shall give You one point of contact and will enable the Insurer to deal with Your Claim or query quickly and concisely.

The role of the Policyholder in discharging its obligations hereunder shall be that of a mere facilitator, and the Policyholder is not and shall not be liable to You for any Claim, loss, damage, or compensation caused in relation to or arising from or in connection with the Policy.

11. Complaints

If at any time You want to tell the Policyholder about a problem with Your Policy, please call the Policyholder on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code) or You can write to the Manager-Customer Services at:

CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office,
New Delhi - 110019

The Policyholder will make best efforts to answer Your query within five (5) working days. If the Policyholder has not replied to Your complaint by then, the Policyholder will send You an acknowledgement letter to keep You informed of progress.

For full details of Insurance benefits and terms and conditions and exclusions, please refer to the Policy Terms and Conditions and Schedule issued by the Insurer. You may contact the Policyholder or the Insurer in this regard.

1

Welcome to Card Protection!

Thank you for buying Card Protection and assure you we will deliver our best service at all times. You will receive an e-mail shortly confirming your purchase.

A welcome pack contaning details of all the aspects of your membership will be dispatched to your registered address and should be recieved by you in the next 14 working days.  

Don't hesitate to call us on our 24-hour contact numbers mentioned below in case you have any queries or clarifications.

1800-419-4000 (toll-free) or 6000-4000 (prefix city STD code)

Thank you!

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Important Information

Before you click ‘confirm and buy’ please make sure you have read the following information carefully:

• Your Card Protection membership will start when you purchase the membership by clicking ‘confirm and buy’ below. The membership is valid for 12 months and will renew automatically unless otherwise advised by you  

• You consent to pay the membership fee as mentioned in the summary box above through the payment card details entered by you

• You have read and accept the Terms and Conditions of the membership

Please tick the box below before proceeding with your purchase.

101no-reply@cpp.co.uk277411Welcome to CPP Card Protection!10card-rescue0Dear Customer Thank you for buying Card Protection. A welcome pack detailing all the benefits of the membership will be sent to your e-mail address in the next 3 working days. You will also receive a physical copy of the welcome pack at your postal address in the next 14 working days. Post receiving the welcome pack, we advise you to register details of your valuable credit, debit and ATM cards (issued by any Bank or card issuer in India) with us. We also request you to register details of your valuable documents like PAN, Passport, Driving License, etc. with us so that we can assist you swiftly in case of emergencies. Don't hesitate to call us on our 24-hour contact numbers mentioned below in case you have any queries or clarifications. Assuring you of our best services at all times, Yours sincerely, Prachala Singh Head-Customer Service 004149227920904002Card Protection

Welcome peace of mind into your life!

22792274One call to block all lost or stolen credit, debit & ATM cardsEmergency hotel and ticket assistance up to Rs. 1,60,000Emergency Roadside AssistanceComplimentary fraud protection up to Rs. 300,000Welcome peace of mind into your life!00000000

Card Protection is India's first comprehensive service for use in the event of card loss, theft and related fraud. If you lose your cards (credit, debit, ATM), simply make one free call to our 24 hour Helpline, from anywhere in the world, and we will block your lost cards. You will not have to call your banks individually and would be free to continue living your life while we take care of your worries.

We will also help provide emergency travel, hotel and cash assistance to ensure you are not stranded after losing your cards, your wallet or your handbag and ensure that your life continues smoothly and you continue to be free of worries. You additionally get complimentary insurance cover against fraudulent spends due to loss/theft, counterfeiting, skimming, phishing, online frauds on your lost cards from 15 days before your loss report to stay protected.

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Here is a detailed look at all the benefits offered by the Card Protection plan

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Lost card reporting: No matter where you are, one call to our 24 hour helpline will ensure that all your lost cards are blocked. We will call all your issuers and notify them to cancel the cards you reported as lost.

23082306One free call to block all lost cards10000

When travelling within India or abroad, if your cards go missing, we help you:

Pay your hotel bills: In case you are not in a position to pay having lost your cards, we will facilitate payment of your hotel bill anywhere in the world, so that your trip continues and you live worry free.

Replacement travel tickets: In case you lose your travel tickets along with your cards, we ensure that you are not left stranded away from home, by providing replacement travel tickets anywhere in the world, so that you can return home safely and worry free.

23152313Emergency travel and hotel assistance10000

Emergency cash advance: To ensure that you are able to continue your work, even if your cash is lost or stolen along with your cards, we will facilitate an emergency cash advance of up to Rs 20,000 per membership only (within India only, valid with Premium and Platinum memberships only) and upto Rs. 5,000 only (within India only, valid with Classic membership only)

The emergency assistance is advanced interest free and is to be re-paid within 28 days.

23152293Emergency cash advance10000

Your membership now provides a 1-year subscription of F-Secure Internet Security which provides comprehensive protection while surfing, shopping, banking and using social media on your laptop or PC. Your net-banking and online e-commerce transactions are protected by an additional layer of security with the Banking Protection feature. F-Secure also protects your children against harmful, unsavory websites and keeps your private information and credentials concealed

22962297Banking Protection with F-Secure Internet Security000000

PAN Cards are nowadays carried everywhere and serve important KYC role. They are often lost with the wallet. To ensure that you are able to live free, we will help replace your lost PAN card free of cost.

23072304Free replacement of lost PAN Card10000

SIM blocking: We help with the notifications to block your lost SIM card, if your mobile phone is lost. We also help retain your mobile phone identifier (IMEI) number, which will be held safe, should you ever need to refer to it when your phone is not around or lost.

22982305Lost mobile phone reporting10000

As part of the membership, you will be enrolled into a complimentary add-on benefit of fraud protection* within 7 days of your membership start date under the group policy taken by us for our customers. This benefit ensures that you are covered from any fraud that may take place on your cards due to loss/theft, skimming, counterfeiting, online usage, phishing and PIN based fraud. Your protection begins 15 days prior to your loss report for an amount up to Rs. 3,00,000 without any limit per card.

* Fraud protection cover is provided by Indian General Insurance Company

22962297Complimentary Fraud Protection1000000

Key fobs & reminder stickers: We will send them to you with your welcome pack. Please attach the key fobs to your keys rings, so that if they are ever lost, the finder can return them by calling us. Please attach the stickers to convenient places so that they also serve as reminders and help you reach our helpline in case of emergencies.

Valuable document registration: If your passport is lost or stolen while you are abroad, we will help you with the notifications that you need to make and provide you with such contact details which are necessary for getting a new passport issued. If you register the details of your valuable documents with us such as driving licence, insurance certificates, etc, we will hold these details safe, should you ever need to provide these details when the originals are not at hand.

Call-return facility: In case you want us to connect with you, you can send a text message CPP to 56767 and we will call you at the earliest

CPP Case Officer: We know it can be frustrating to call a helpline and explain your situation to different customer service agents each time.  You can now avail the services of our designated Case Officer (CO), who will take comprehensive care of your case related to card blocking, emergency assistance, fraud claim etc. 

23122314Others10000

Emergency Roadside Assistance
Your Card Protection membership offers you roadside assistance services for your car/ bike, including services such as vehicle towing, flat-tyre support, battery jump-start, fuel delivery among others. These services are available in 400+ cities across India, within 50 km from the city center

52045205Emergency Roadside Assistance00000000

Credit Health Report by Credit Mantri
Get a detailed analysis of your current credit score and history with Credit Health Report, provided by Credit Mantri. The CHR provides you with actionalbe insights to improve/ maintain your credit health by helping you understand the Credit Information Report issued by bureaus.

52075208Credit Health Report by Credit Mantri00000000

Complimentary Card Fraud & Mobile Wallet Protection*
You will be enrolled into a complimentary add-on benefit of fraud protection within 7 days of your membership start date under the group policy of our customers, which ensures protection of your cards (up to 30 days prior to loss report) against frauds such as PIN based, online, phishing, tele-phishing and transactions where OTP is not required (if card is lost/stolen) for up to Rs. 300,000. Your mobile wallets are also protected against frauds for up to Rs. 100,000 (for up to three (3) days prior and post loss report).

52105211Complimentary Card Fraud & Mobile Wallet Protection*00000000

FAQs

Why should I buy a CPP Card Protection membership?

When you realise that your wallet is missing, it's a race against time to have all your cards stopped immediately. With CPP Card Protection, all it takes is one free call to our customer service team and they will contact your card issuers to have your cards cancelled within minute. So no matter where you are in the world, we will take care of it for you.

What does my membership cover?

A summary of the benefits you are entitled to is as follows:

• One free call to block all your cards
• Emergency Roadside Assistance
• Credit Health Report by Credit Mantri
• 24 hour toll free helpline
• World wide cover
• Emergency travel & cash assistance
• Complimentary Fraud protection that ensures coverage from fraud that may take place on your cards due to loss/theft, skimming, counterfeiting, online usage, phishing and PIN based fraud 
• Valuable document registration
• Lost card replacement assistance
• Lost PAN card replacement
• Lost phone (SIM blocking) & IMEI registration

The details are contained in the membership guide and terms and conditions which come with your welcome pack.

How can I purchase a Card Protection membership?

You can purchase a Card Protection membership online or buy calling us on 1800-419-4000 (toll-free) or 6000-4000 (Prefix city STD code)

What is a welcome pack? By when will I recieve it?

The welcome pack outlines all the details of your membership and contains the following:

• A confirmation letter outlining your membership details.
• A registration form for you to register all your card details.
• Terms and conditions of the membership.
• A membership guide listing all the benefits you are entitled to.
• Key fobs and reminder stickers which will help serve as reminders of CPP contact numbers

Once you have applied for the Card Protection membership we send a welcome pack to your registered address which you should receive within 14 working days of member

How long is my membership active?

Your membership is active for one year from the membership set-up date

How do I renew my membership?

At the end of the membership period (which is 1 year), we automatically renew your membership by collecting payment from the payment method advised by you. We send you a reminder 45 days prior to your renewal date advising you that your membership is due for renewal

Can I cancel my membership anytime?

Yes, you can cancel your membership anytime during your membership period by writing to us or calling us on our 24-hour helpline number. However, you are eligible for a full refund if you cancel within 30 days of membership set-up date and no claims have been made by you

Why do I need to register my card details?

By registering your card and valuable documents details with us, we will be able to help you swiftly in case of any emergencies

How do I register my card details?

There are 2 options for registering your card and valuable documents details:

Mail

You can send us the completed registration form, provided to you in your welcome pack at the following address:

CPP Assistance Services Pvt. Ltd.
PO Box No. 826,
Kalkaji Post Office
New Delhi - 110019

Phone

You can call us on 1800-419-4000 (toll-free) or 6000-4000 (Prefix city STD code)

If I lose my cards, how do I report the loss?

As soon as you have discovered the loss of cards, please call our 24-hour helpline on 1800-419-4000 (toll-free) or 6000-4000 (Prefix city STD code). We will then contact your card issuers immediately to cancel your cards

If I am abroad and I find that my wallet, travel tickets and passport have been stolen, what should I do?

When you discover that these items are missing, immediately call our 24-hour helpline on 1800-419-4000 (toll-free) or 6000-4000 (Prefix city STD code). We will immediately cancel your lost cards by contacting your card issuers. We will then advise you how and where to receive a replacement passport. Finally, we will assist in the re-issuing of travel tickets so that you may return home.

How can I pay for my hotel expenses?

You should inform us that you would like assistance with the hotel payment. We will then liaise with the hotel and advance the expenses to pay the hotel directly.

How do I make a claim?

If you need to make a claim, please call us on our 24-hour helpline numbers. We will send you a claim form which needs to be completed and returned to us with the following original documents for processing:

• Credit Card or Bank account statement
• Subrogation Bond
• FIR copy

Is there any time period limitation for submitting a claim?

All claims must be received within 30 days from the date of reporting card loss. Please remember to include all the documents that we ask for, including original receipts (not photocopies) for any expenses claimed for. If you do not, we will not be able to process your claim until we have received them.

 

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Benefit Summary		Card Protection
Category	Benefits in detail	Classic	Premium	Platinum
Card Blocking	Single Call to Block Lost Cards	Yes	Yes	Yes
Emergency Travel Assistance	Emergency Advance - Hotels - Abroad/India	Rs. 80,000/Rs. 40,000	Rs. 120,000/Rs. 60,000	Rs. 160,000/Rs. 80,000
	Replacement Travel Ticket Advance - Abroad/India	Rs. 80,000/Rs. 40,000	Rs. 120,000/Rs. 60,000	Rs. 160,000/Rs. 80,000
	Emergency Cash in India (per Membership)	Rs. 5,000	Rs. 20,000	Rs. 20,000
Mobile Benefits	SIM & IMEI Registration & SIM Card Blocking Service	Yes	Yes	Yes
Roadside Assistance	Breakdown support, battery jumpstart, flat tyre support, fuel delivery, vehicle towing	Yes	Yes	Yes
Credit Analysis Benefits	Credit Health Report (single analysis annually)	Yes	Yes	Yes
Other Benefits	F-Secure Internet Security (single subscription)	Yes	Yes	Yes
	Online Member's Area	Yes	Yes	Yes
	SMS2Talk Service, Designated Case Officer	Yes	Yes	Yes
	Cards, Valuable Document Registration/Reminder Stickers/Key Fobs	Yes	Yes	Yes
	Free PAN Card Replacement Service	Yes	Yes	Yes
Complimentary Fraud Protection	Protection against Card Frauds (involving PIN based frauds, Phishing, Tele-phishing and if OTP is not required (card is lost/stolen)	Rs. 100,000	Rs. 200,000	Rs. 300,000
	Number of days covered (prior to notification)	30 days	30 days	30 days
	Protection against Card Frauds (card present or card not present transactions - other than the transactions listed above)	For pre - notification period of 4 to 7 days
		Upto Rs. 25,000	Upto Rs. 25,000	Upto Rs. 25,000
		For pre - notification period of 7 to 30 days
		Upto Rs. 100,000	Upto Rs. 200,000	Upto Rs. 300,000
	Protection against Mobile Wallet Frauds	Upto Rs. 50,000	Upto Rs. 100,000	Upto Rs. 100,000
	No. of days covered (prior to & post loss report)	3 days	3 days	3 days
Members Covered	Number of members covered under membership	Primary (1 member)	Primary + Spouse (2 members)	Primary + Spouse + Parents (4 members)
Prices in Rs. (incl. of taxes)		1699	2199	2799
		Add to basket	Add to basket	Add to basket

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Most Important Terms & Conditions (MITC) for your Card Protection Membership

The Most Important Terms and Conditions (MITC) of your membership are listed below. Please refer to the Main Terms and Conditions which set out the terms of your Agreement with CPP

General

• The Card Protection Service is provided by CPP Assistance Services Private Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana, India (CPP) in conjunction with its third party suppliers/service providers.
• You must provide us with full and accurate information in connection with your Card Protection Membership and Services. In case you provide false or materially incomplete information or commit a material breach of the main terms & conditions of the membership, we may cancel your membership
• Advance payment of the Fees is the essence of the commencement (or renewal) of the Membership and the Services to be provided to You under the Agreement.
• The Card Fraud Insurance Cover is provided as an add-on complementary benefit under the Group Insurance Policy taken from an Indian insurance company (insurer). Please refer to the Group Insurance Policy Terms and Conditions for more details.
• Any change or new addition to your membership and services shall be intimated to you at least 45 days in advance and such changes shall become applicable from the date of intimation. However, it is clarified that the features of F-Secure Internet Security, Credit Mantri-Credit Health Report (CHR),
• Roadside Assistance (RSA), where CPP is acting as facilitator, may be added, modified, or removed during the Period of Agreement without this advance notice period of forty-five (45) days.
• CPP reserves the right to revise the Membership Fee at any point of time but it will not change for your membership until the next Renewal Date.
• You can cancel your membership anytime during the membership period. You will be refunded the membership fee as per the following refund grid
  
  

  o - Within 30 days: 100%refund
  o Between 31 and 180 days:50%refund
  o After 180 days: Nil

• The terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India.
• You can contact us through the following media in case you have any queries about these terms and conditions of your membership, E-mail: feedback@cppindia.com, Telephone: 1800-419-4000 (Toll-free) +91 921244 4000, 6000 4000 (please prefix city STD code)

Renewal

• Your Membership begins on the start date and continues for the period up to the renewal date as mentioned in the welcome letter
• We will renew your membership on the renewal date by charging your Pay Card/ Account as provided by you unless you contact us before that date and ask us not to renew. A letter informing about the renewal of the membership will be sent to your registered postal address forty-five (45) days in advance of the renewal date.

Service Related

• You must report lost or stolen cards to us by telephone within twenty-four (24) hours of discovering loss of cards
• Any advance made to you under the Section A of the Main Terms & Conditions, shall be interest free and repayable by you to MakeMyTrip within twenty-eight (28) days of the advance being made. In the event of the advance not being repaid then reasonable steps which may include legal steps, will be taken to recover the advance.
• If you request for the assistance services set out at A1, A2 and A3 of the Main Terms & Conditions, then you consent to us making such enquiries from such persons and/ or organizations as are necessary to assess the claim that you are making.
• In case you have not shared the details of a particular card with us and request the same to be blocked, CPP will attempt to block that card with the help of other details provided by you on a best effort basis.
• Services set out in sections A1, A2 and A3 of the Main Terms & Conditions shall be provided only at the sole discretion of CPP, however, every effort will be made to provide you with emergency assistance in line with the terms and conditions set out in these sections. At the time of Your request for Service, We may ask You to provide evidences for Your need of emergency assistance and in the absence of which Your request for Emergency Assistance may be rejected by Us. There may also be times when it will not be possible to arrange for the transfer of funds to some countries or remote geographical locations or due to events or conditions that are out of our control (i.e. political instability, regulatory restrictions, war, natural disaster, etc.) and for which CPP cannot be held liable.
• Services set out in SectionA2 andA6 of the Main Terms & Conditions will not be available Abroad and within India, this service will be available only in the cities under our coverage network. A current list of cities under our coverage network is available on our website in.cppgroup.com.
• You will be offered a comprehensive F-Secure internet security solution for Your Computer (Laptop / Desktop), powered and owned by F-Secure, a third party supplier/service provider which You must download on Your Computer / Equipment and provide the information required to install and run the F-Secure application failing which You may not be able to get the services listed under Section A5 of the Main Terms and Conditions. It is hereby clarified that F-Secure Internet Security is the property of F-Secure and F-Secure will always remain responsible and liable for any services / claims arising from the use of F-Secure Internet Security by You. You are governed by and must comply with the specific License Agreement and terms and conditions (EULA) of F-Secure as applicable to You. Our role in relation to distribution of F-Secure Internet Security to You shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from the use of F-Secure Internet Security. For other conditions and limitations relating to this Service, please refer to SectionA5 of the Main Terms & Conditions.
• You will be offered a Credit Health Report (CHR) in a specified format provided by Credit Mantri, a third party service provider which whom We have tied up, relating to Your credit and financial information inter-alia containing detailed analysis of Your current Credit Score and its history with actionable insights to improve / maintain Your Credit Score and Health. It is hereby clarified that Credit Mantri will always remain responsible and liable for any services / claims arising from the use of Credit Health Report. You will be governed by the specific Terms and Conditions of Credit Mantri as applicable to you at the time of usage of Coupon Code for CHR. Our role in relation to this service provided to You shall be limited to that of a mere facilitator, and
• We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from the use of this service. For other conditions and limitations relating to this Service, please refer to SectionA4 of the Main Term & Conditions.
• You will offered a Roadside Assistance for any one of Your vehicles (Car or Bike) for which we will liaison with TVS Auto Assist who is our third party supplier/service provider and will facilitate the services specified in Section A6 of the Main Terms & Conditions. However if the registered car is over the age of 8 years or registered two-wheeler is over the age of 5 years, the assistance stipulated in A6.1 – A6.4 (inclusive) will not be provided. For other conditions and limitations relating to this Service, please refer to SectionA6 of the Main Terms & Conditions.
• You hereby expressly accord your consent allowing CPP to collect all the required data/information including any sensitive personal data or information from you to service you and to transfer/utilize your personal information with our approved suppliers/service providers including our group companies for the purpose of sending correspondence to you and providing some of the features of the membership to you. Please refer to detailed Data Protection Notice in the Main Terms & Conditions.

Agreement and Terms & Conditions for Your Card Protection Membership

Please read this document carefully and keep it in a safe place

CPP Card Protection Membership	Coverage	Fee (in INR)
Classic – Single	Single Member	1699
Premium – Joint	Member and Spouse	2199
Platinum – Family	Member, Spouse and Parents	2799

Please read this document carefully. It sets out terms and conditions of Your Agreement with CPP Assistance Services Private Limited for the Card Protection Service.

Definitions

Where the following words are used in these terms and conditions, they will have the meanings shown below:

Abroad – In a country other than India.

Agreement – These terms and conditions of the CPP Card Protection Service product and any changes thereto.

Card – Your credit, debit, prepaid, cash and other similar cards.

Card Loss – Loss by You or theft from You of a Card.

CPP - CPP Assistance Services Private Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana India and registered office is at A-370, 2 Floor, Kalkaji, New Delhi 110019.

Credit Health Report (CHR) – Report in a specified format provided by Credit Mantri relating to Your credit and financial information inter-alia containing detailed analysis of Your current Credit Score and its history.

Credit Mantri – Credit Mantri Finserve Private Limited

Credit Score – Creditworthiness score provided by Credit Information Companies like Experian, etc. in accordance with Credit Information Companies (Regulation) Act, 2005 read with the rules and regulations made thereunder (“CIC Law”)

Experian - Experian Limited (a company registered in England and Wales, with number 0653331)

Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use the Service (applicable only in case of Platinum Membership)

Fee – Means the total amount as mentioned in the table above, inclusive of all applicable taxes, that You pay towards: (a) the Incorporation or Renewal Fees, as the case may be; and (b) the Service Fees, when You purchase or renew Your Membership. Membership which is shown in Your Welcome Pack or as agreed with You from time to time. CPP reserves the right to revise its Fee at any point of time.

F-Secure – F-Secure Corporation and (or) F-Secure Private Limited.

F-Secure Internet Security - A comprehensive internet security solution relating to Your computer (desktop or laptop), which is owned and provided by F-Secure.

Home – The place where You permanently reside; which You have given us as Your address while registering for the Membership.

Incorporation or Renewal Fee – 50% of the total Fees inclusive of all applicable taxes, that You pay for incorporation or renewal of your Membership, as the case may be, with CPP.

Issuer – The issuers of the Cards.

Joint Member – Joint Member to include Spouse, specifically named by the Member, entitled to use the Service (applicable only in case of Premium Membership)

MakeMyTrip - MakeMyTrip (India) Private Limited.

Member – The person who has purchased and is entitled to use the Service whose name appears in the Welcome Pack.

Membership – Your right to use the Service for each year for which You pay the Fee as per the Agreement.

Pay Card/ Pay Account – The card or bank account from which the Fee will be collected.

Period of Agreement – The twelve (12) month period from the Start Date.

Registered Vehicle - The vehicle You have registered with Us for roadside assistance.

Renewal Date – The renewal date for Your Membership which is shown in Your Welcome Pack or which We agree with You from time to time.

Roadside Assistance – Means the services which will be provided to You by TVS Auto Assist in relation to the breakdown of Your Registered Vehicle.

Service – Shall have the meaning given to it in paragraph A below.

Service Fee – Balance of the total Fee (other than Incorporation or Renewal Fee) that You pay for availing the Services.

Start Date – The date on which the Membership commences as set out in your Welcome Pack which we send to you.

TVS Auto Assist – TVS Auto Assist (India) Ltd.

We, us, our – CPP.

Welcome Pack - means the pack We send to You when You have purchased (or renewed) the Membership for the Services containing these terms and conditions and other information relevant to the Service.

Year – A period of twelve (12) consecutive months.

You, Your – The Member (including Joint Member in case of Premium) and Family (in case of Platinum).

The Card Protection service is provided by CPP Assistance Services Private Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon - 122002, Haryana, India in conjunction with its third party suppliers/service providers.

Should You have any queries about these terms and conditions or Your Membership, You can contact us by email at feedback@cppindia.com or by telephoning us on 1800-419-4000 (Toll-free) or +91 921244 4000 or 6000 4000 (please prefix Your city STD code) (lines open twenty-four (24) hours a day, seven (7) days a week). You can also write to us at the following address:

CPP Assistance Services (Pvt) Ltd.,

P O Box No 826,

Kalkaji Post Office,

New Delhi - 110019

Card Protection

A: Assistance Services – what is provided?

When You report a Card Loss to us, We will contact the Issuers and ask them to cancel the Card.

If You request at the time of reporting Your Card Loss, the assistance services set out at A1, A2 and A3 may be available to You through MakeMyTrip, who has contracted with us, to provide You the assistance services set out at A1, A2 and A3 below. You consent to us making such enquiries from such persons and/ or organizations as are necessary to assess the claim that You are making. At the time of Your request for Service, We may ask You to provide evidences for Your need of emergency assistance and in the absence of which Your request for Emergency Assistance may be rejected by Us.

Any advance made to You under this Section A shall be interest free and repayable by You to MakeMyTrip within twenty-eight (28) days of the advance being made. In the event of the advance not being repaid then steps will be taken to recover the advance, which may include legal steps, the costs of which recovery may be added to the outstanding balance of the advance made.

A1: Advance of Emergency Hotel Bills

1. If You are Abroad at the time of the Card Loss, We will facilitate through MakeMyTrip an advance direct to Your hotel to cover Your hotel bill up to Rs 80,000 (Classic), Rs 120,000 per member (Premium), Rs 160,000 per member (Platinum)

2. We will facilitate through MakeMyTrip an advance direct to Your hotel to cover Your hotel bill up to Rs 40,000 (Classic), Rs 60,000 per member (Premium), Rs 80,000 per member (Platinum), if You suffer a Card Loss in India.

A2: Emergency Cash Advance

1. If You are in India at the time of the Card Loss, We will facilitate through MakeMyTrip an emergency cash advance for You of up to the total amount of Rs 5,000 (Classic) or Rs 20,000 (Premium/ Platinum) for basic living expenses and to help You reach Your Home if some or part of Your cash is lost or stolen at the same time as the Card Loss.

A3: Advance of Replacement Travel Tickets

1. We will facilitate through MakeMyTrip replacement travel tickets against an advance for You of up to Rs 80,000 (Classic), Rs 120,000 per member (Premium), Rs 160,000 per member (Platinum), so that You can return to the travel destination nearest to Your Home. We will do this if Your travel tickets have been lost or stolen at the same time as the Card Loss when You are Abroad.

2. We will facilitate through MakeMyTrip replacement travel tickets against an advance for You of up to Rs 40,000 (Classic), Rs 60,000 per member (Premium), Rs 80,000 per member (Platinum), so that You can return to the travel destination nearest to Your Home. We will do this if Your travel tickets have been lost or stolen at the same time as the Card Loss whilst You are in India.

A4: Credit Health Report (CHR)

What is provided?

You will be offered a Report in a specified format provided by CreditMantri, a third party service provider which whom We have tied up, relating to Your credit and financial information inter-alia containing detailed analysis of Your current Credit Score and its history with actionable insights to improve / maintain Your Credit Score and Health.

All banks are required to review Your Credit history of Your loans and Card transactions prior to approving any further loans or credits. The CHR will help You to understand and interpret the Credit Score issued by Credit Information Companies like Equifax, etc.

For additional information and guidance on your Credit Score, kindly visit https://www.creditmantri.com/credit-score-advice/

Limitations and Conditions

Any or all content of the Credit Health Report provided by CreditMantri is not guaranteed by Us. Our role is merely of a facilitator to arrange the CHR from CreditMantri subject to below specific terms & conditions of CreditMantri and We shall not be responsible for the accuracy, completeness, and veracity of any and all such information as received or provided to You in CHR. Further, We shall not in any manner be liable to You for any loss, claim, damage or compensation in relation to or arising from this CHR or use of Coupon Code at CreditMantri website.

For deriving this benefit, You are provided with a unique CreditMantri CHR Coupon Code in the Pack. Please note that You are governed by and must adhere to the following specific terms and conditions:

· By registering at CreditMantri Website www.creditmantri.com, you are bound by the generic terms and conditions of CreditMantri, as may be amended from time to time.

· The Coupon Code provided is valid only for a period of twelve (12) months from the date of issue and can be redeemed only once for availing one (1) Credit Health Report (CHR) from CreditMantri and cannot be used again or for any other services CreditMantri may provide.

· You authorise and give explicit consent to CreditMantri to apply for and receive Your credit information from Equifax India Limited (Equifax).

· You hereby authorise and give explicit consent to CreditMantri to send email or SMS or contact You at the email address and mobile number provided at the time of registration on CreditMantri website.

· You hereby explicitly waive requirements under TRAI DND (Do not Call) listing for the purpose of availing services from CreditMantri.

· You hereby agree to provide necessary Know Your Customer (KYC) information such as ID proof and Address proof to CreditMantri to apply for Your credit information with Equifax.

· You hereby agree to provide any additional information and if required You agree to upload a copy of Your KYC documents into CreditMantri website as may be required by Equifax.

· Equifax or any CIC shall provide your credit information to CreditMantri only if the information provided matches with the records available with Equifax.

· CreditMantri can provide You with a CHR only if it is able to obtain credit information from Equifax based on the information provided by You.

· You hereby agree and confirm that in case CreditMantri is not able to obtain any information from Equifax based on the KYC information provided by You, CreditMantri shall not be obliged to either refund or substitute the value of the redemption coupon for any other service it provides with for part or in full.

A5: F-Secure Internet Security (for Your Computer (Desktop or Laptop)

You will be offered a comprehensive internet security solution for Your Computer, powered and owned by F-Secure, who is a third party supplier/service provider and will provide the benefits as mentioned below. To derive this benefit, F-Secure Internet Security key and download instructions will be provided to You physically through the Pack sent to Your Home or through text message (SMS) to the mobile number provided by you.

What is provided?

F-Secure Internet Security protects Your digital content with real-time protection against malware, hackers, identity theft harmful and unsavoury web sites. Your online banking transactions are more secured with F-Secure Banking Protection. The features include:

· Protection against viruses, spyware and other malware

· Always up-to-date without slowing down your device

· Stops intrusions or identity theft on your device

· Easy to install and simple to use

· Customer support available through online chat and by phone

· Worry-free surfing and shopping with Browsing Protection

· Safe online life for your children with Parental Control

· Cloud-based, real-time protection against all online threats

· Secure, session-based online banking with Banking Protection

· Privacy protection on Facebook with Safe Profile

· Comprehensive exploit protection with DeepGuard 5

For deriving benefit from F-Secure, You must adhere to the following specific terms and conditions:

I. You are governed by and must comply with the specific License Agreement and terms and conditions of F-Secure as applicable to You. They are available for review at www.f-secure.com.

II. The supported platform are Windows 8.1 and 8 (ARM based tablets are not supported), Windows 7 (all editions), Windows Vista (Service Pack 2 or newer) and Windows XP (32-bit, Service Pack 3 or newer)

III. Your computer (Desktop / Laptop) must have Intel Pentium 4 or higher processor.

IV. You must ensure that Your computer is equipped with at least 1GB RAM.

V. You must download the F-Secure Internet Security application on Your computer and provide the information required to install and run the F-Secure application on Your computer.

VI. F-Secure Internet Security is provided by F-Secure and F-Secure may at its discretion, add, modify or remove the product features during the Agreement Period for which We cannot be held liable in any manner.

A6: Roadside Assistance (for one Car or Bike)

If there is a breakdown of Your Registered Vehicle and You require our assistance Service in relation to Your Registered Vehicle, We will liaise with TVS AUTO ASSIST (INDIA). Ltd (TVS AUTO ASSIST) who is our third party supplier/service provider and facilitate the specified services mentioned below.

Territorial Scope: Roadside Assistance Services will be provided within 75kms radius from city centre in the cities under coverage network of TVS Auto Assist (India) Ltd., in the Republic of India. A current list of cities where the below mentioned services are provided is available on our website in.cppgroup.com.

What is provided?

A6.1 Assistance over phone

In the event of Breakdown, wherein the Customers is calling for support, TVS AUTO ASSIST shall understand the basic problem prior to offering solutions. Some minor issues can be supported over the phone. For e.g. Issues such as, helping Customer on the basic checks & Information. – Locating the nearest dealer, locating nearest medical assistance (based on availability) etc.

A6.2 Onsite support for Minor repairs

In the event the Vehicle covered under this Agreement having a breakdown due to minor mechanical/ electrical fault, TVS AUTO ASSIST shall support by arranging vehicle technician to the breakdown location within a maximum time period of sixty minutes. TVS AUTO ASSIST will bear the labor cost and conveyance charges. Cost of spare parts if required to repair the vehicle on the spot (Outside coverage area) to obtain such material & spare parts will be borne by the Customer.

A6.3 Rundown of Battery

In the event the Vehicle having a breakdown due to rundown of battery, TVS AUTO ASSIST by arranging vehicle technician to jump start the vehicle with appropriate means. TVS AUTO ASSIST will bear the labor cost and conveyance charges.

A6.4 Towing of the Registered Vehicle

In the event that a Vehicle is immobilized due to the breakdown or accident and “On-site” preliminary support to make the vehicle roadworthy is not possible, TVS AUTO ASSIST shall arrange and bear the expense for transferring the Vehicle to the Customer Preferred Workshop or Nearest Authorized outlet of the OEM. These services shall be provided using equipment/s deemed most suitable by TVS AUTO ASSIST. Limit for such transfer distance shall be 75kms from the breakdown location. In case transfer distance is greater than 75kms, the costs in excess of 75kms shall be borne by the Customer. Towing will be available for mechanical breakdown, accidents, and also key lost cases where repair cannot be done on the spot For accident cases towing will be activated on the completion of police formalities if any.

A6.5 Key Services

In case vehicle becomes immobilized because key on locked inside the vehicle or key is lost, TVS AUTO ASSIST will provide assistance to customer by towing the vehicle to the nearest authorized workshop within 75 kms. Also Delivery of Spare Key is available.

A6.6 Fuel Delivery

If the vehicle becomes immobile due to empty fuel tank TVS AUTO ASSIST will support the customer by arranging (5 Lit.) Petrol & Diesel for 4w & (2 Lit) Petrol for 2w to customer. TVS AUTO ASSIST will bear the labor cost and conveyance charges. Fuel charges shall be borne by end customer/ user. This service is based on availability of fuel.

A6.7 Incorrect Fuelling

During incorrect fueling, TVS Auto Assist will tow the vehicle to the nearest Authorized Workshop or Customer preferred Workshop upto 75 kms and towing cost will not be borne by the customer.

A6.8 Flat Tyre Support

In the event that the Vehicle has a puncture or tyre burst, TVS AUTO ASSIST shall support the Customer in replacing the flat tyre with spare tyre.

In case of non-availability of spare tyre, TVS AUTO ASSIST will try to repair the faulty tyre. This service is based on the availability of tyre repair shop near the breakdown location. All the cost related to rendering such service will be charged to customers.

A6.9 Coordination In Extraction or Removal of Vehicle

In the event of vehicle being stuck in ditch, pit or valley, coordination will be done with external agencies where ever possible. Cost to be borne by Customer. Any consequential damage during the process will be borne by the Customer. SLA not applicable in such cases

A6.10 Taxi Assistance

In the event that a Covered Vehicle is immobilized due to the breakdown or accident and “On-site” preliminary support to make the vehicle roadworthy, is not possible, TVS AUTO ASSIST shall arrange and bear the expense for transferring the Covered Vehicle to the nearest Authorized Workshop & Customer Preferred Workshop upto 75 kms. To help the Customer continue with his journey, TVS AUTO ASSIST will provide taxi assistance for first 50 Kilometers from breakdown spot and excess Kms will be borne by the Customer.

A6.11 Medical/Legal Accommodation

In case of any medical or legal problem arising due to breakdown or accident, TVS AUTO ASSIST shall provide contact details of the nearby professionals in related field and intensely try to ensure their first contact, in order to provide convenience to such customers. In this area TVS AUTO ASSIST shall merely be a facilitator and shall not be held responsible for quality of services, actual charges will be borne by the customer. TVS AUTO ASSIST role shall end as soon as we provide contact details to the customer. In case such services are not available in that area TVS AUTO ASSIST shall not be held responsible in any manner, whatsoever.

OUTSTATION BENEFITS:

A6.12. Hotel Accommodation

In case of outstation breakdown, TVS AUTO ASSIST will provide coordination for Hotel Accommodation. All related hotel charges will be payable by the customer.

A6.13. Inward & Forward Journey

In case of outstation benefits, TVS AUTO ASSIST will provide coordination for Inward or Forward Journey. All related charges will be payable by the customer

A6.14. General Conditions and Exclusions

The roadside assistance services facilitated by Us for You will be limited as follows:

General conditions

You may register one vehicle against this membership. The assistance services provided will also cover Your passenger car if another authorized driver is driving. If You register a two-wheeler then only You may use the assistance services provided in this Membership. If You change Your vehicle, You must send Your RC copy for approval by CPP before the Registered Vehicle is changed.

Restricted exclusions:

If the Registered passenger car is over the age of 8 years or Registered two-wheeler is over the age of 5 years, the assistance stipulated in A6.1 – A6.4 (inclusive) will not be provided.

Events not covered under Road Side Assistance:

1. Faulty fuel gauge

2. Speedometer not working

3. Air-conditioning is not working

4. When the passenger door(s) cannot be opened and there are no passengers in the vehicle

5. Boot cannot be opened

6. The front and/or rear demisters are not functioning

7. Horn is not functioning. If the horn is sounding continuously, the Assistance Services will be provided

8. Damaged door mirrors

9. When the rear view mirror is damaged but it does not obstruct the driver's vision

10. Damaged or faulty fuel cap but vehicle has not run out of petrol and there is enough fuel in the tank to enable the vehicle to reach the nearest authorized dealer

11. When the sun roof cannot be opened

12. When the sunroof cannot be closed but weather conditions are fair and the vehicle is not exposed to any security risk

13. When windows cannot be opened

14. When windows cannot be closed but weather conditions are fair and the vehicle is not exposed to any security risk

15. Seat adjustor is faulty but the vehicle can be safely driven

16. When passenger seat belts are faulty but there are no passengers in the vehicle

17. Faulty security system unless the vehicle is immobilized or unless the alarm is sounding continuously

18. Transmission stuck in sports/winter mode

19. When the ABS lights are illuminated

20. Air bag warning lights are illuminated

21. Traction control lights are illuminated

22. Other non-safety related lights/service warnings are illuminated

23. When your Vehicle runs out of windscreen wiper fluid

24. Front windscreen wipers faulty but weather conditions are fair

25. Rear windscreen wiper faulty

26. Vehicle pick-up and drop for routine maintenance is not included.

Special Exclusions

The following scenarios are special exclusions under Roadside Assistance, and therefore TVS Auto Assist will not be responsible for any assistance costs as a result of any of the following:

1. Vehicle is involved in motor racing, rallies, speed or duration tests, practice runs or operated outside official roads

2. Assistance is required as a result of wars, riots, uprising, mass political demonstrations, pillage, strike, use for military purposes or acts of terrorism, earthquake damage, freak weather conditions, atmospheric phenomena, nuclear transformation phenomena or radiation caused by artificial acceleration of atomic particles

3. Breakdown is caused by deliberate damage, vandalism or participation in a criminal act or offence

4. The immobilization is resulting from damage caused by intervention of the police or other authorities

5. Any damage resulting from the use of the vehicle against the recommendations of the owner manual

6. Any consequential costs and/or damage to property as a result of a breakdown

7. Vehicles kept in a non-roadworthy condition or not serviced in accordance with the manufacturer's recommendations

8. Vehicles used in non-motoring roads

9. Abusive behavior of the Customer, any fraudulent representation, malicious intent or suppression of facts vital to the rendering of Services.

10. When the driver of the vehicle is found to be in any of the situations that are indicated below:

11. in state of intoxication or under the influence of alcohol, drugs, toxins or narcotics.

12. driving without permission to drive or not having corresponding license for the category of the Vehicle or documents not in proper or valid state.

13. Any event where breakdown is caused by deliberately inflicted damage, vandalism or participation in a criminal act or offence

14. Any history where the Customer has on prior occasions misused or abused the services.

15. Accidents resulting from the illegitimate removal of the Vehicle.

16. Accidents or breakdowns that occur when the Customer or the authorized driver have infringed upon the regulatory ordinances as far as the requisites and number of persons transported, weight and means of things and animals that can be transported or the form of handling them etc.

17. Any vehicle involved in or liable to be involved in legal case prior to or post immobilization or which is to be kept in an as-is state as evidence or for any legal requirements.

18. Vehicle lacking documentation or requirements such as technical inspection of the Vehicles, obligatory insurance etc. legally necessary to ply on public roads.

19. Breakdowns or accidents caused by fuels, mineral essences, and other inflammable, explosive or toxic materials being transported in the Vehicle.

20. Any large or wild animals being transported in the Vehicle.

21. Those vehicles not powered exclusively by an internal combustion engine or running on LPG fuel.

22. Vehicle unlock service will be provided only upon checking and confirmation with the legal owner of the Vehicle.

A7: Passport and driving licence

If Your passport or driving licence is lost or stolen while You are Abroad, We will help You with the notifications that You need to make and provide You with such contact details as are necessary.

A8: Valuable document registration

If You register the details of Your valuable documents with us (driving licence, passport, PAN Card, Aadhar Card etc.) We will hold those details safe should You ever need to provide these details when the originals are not at hand.

A9: Lost PAN card replacement service

Should You lose Your PAN card We will help You to obtain a replacement PAN card free of cost. We will liaise with You to send us the necessary documents required for this to facilitate in replacement of Your PAN card.

A10: Lost mobile phone reporting service - SIM blocking

If You lose Your mobile phone, We will help You with the notifications that You need to make to block Your SIM card.

A11: Mobile phone identifier (IMEI) registration service

If You register Your mobile phone IMEI number with us, We will hold it safe should You ever need these details.

B: General conditions

Please read this section carefully as it contains important information.

Eligibility

The Service is only available to residents of India who are over the age of eighteen (18).

Term of Membership

1. Your Membership is available to the person whose name appears in the Welcome Pack only and is non-transferable.

2. You must provide us with full and accurate information in connection with Your request for the Card Protection services.

3. Advance payment of the Fees is the essence of the commencement (or renewal) of the Membership and the Services under the Agreement with You.

4. Your Membership begins on the Start Date and continues for the period up to the Renewal Date in return for advance payment of the Fee. We will renew Your Membership on the Renewal Date by charging Your Pay Card/ Account as provided by You unless You contact us before that date and ask us not to. We will send You a letter informing You of Your Renewal forty-five (45) days in advance of the Renewal Date.

5. You must report lost or stolen Cards to us by telephone within twenty-four (24) hours of discovering the Card Loss.

6. Any change or new addition to Your Service shall be intimated to You at least forty-five (45) days in advance and such change shall become applicable to You from the date of such intimation. However, it is clarified that the features of F-Secure Internet Security, CreditMantri CHR may be added, modified, or removed during the Period of Agreement without this advance notice period of forty-five (45) days.

7. In case of Laptop, You must install the F-Secure Internet Security on Your Laptop. In addition to compliance with the terms and conditions specified herein, You must comply with the specific License Agreement and terms and conditions of F-Secure for use of F-Secure Internet Security. They are available for review at www.f-secure.com. It is hereby clarified that F-Secure Internet Security is the property of F-Secure and F-Secure will always remain responsible and liable for any services / claims arising from the use of F-Secure Internet Security by You.

Limitations

1. In the event of theft or loss of Cards, You have to immediately call us to report the loss of the Cards. In case You have not shared the details of a particular Card with us and request the same to be blocked, We shall attempt to block that Card with the help of other details provided by You on a best effort basis. In the event that Your input is required in the form of confidential personal information number (PIN) or a telephone identification number (TIN) (which cannot be disclosed to a third party), We will assist You by conferencing You on the telephone call with the Issuer in order for You to provide such PIN/TIN for authentication purposes.

2. The services set out in Sections A1, A2 and A3 shall be provided only at the sole discretion of CPP, however, every effort will be made to provide You with emergency funds in line with the terms and conditions set out in these sections of this Agreement. At the time of Your request for Service, We may ask You to provide evidences for Your need of emergency assistance and in the absence of which Your request for Emergency Assistance may be rejected by Us. There may also be times when it will not be possible to arrange for the transfer of funds to some countries or remote geographical locations or due to events or conditions that are out of our control (i.e. political instability, regulatory restrictions, war, natural disaster, etc.) and for which We cannot be held liable.

3. Note that services set out in Section A2 and A6 of this Agreement will not be available Abroad. Within India, this service will be available in the cities under our coverage network. A current list of cities under our coverage network is available on our website in.cpgroup.com.

4. We cannot be held responsible for any loss, damage or fraud (direct or indirect) which might occur to You due to wrong submission of any information to Us by You or if are unable to provide the Services to You for reasons beyond Our control or even after reasonable efforts made by Us.

5. It is hereby clarified that F-Secure Internet Security is the property of F-Secure and F-Secure will always remain responsible and liable for any services / claims arising from the use of F-Secure Internet Security by You (Section A5). You are governed by and must comply with the specific License Agreement and terms and conditions (EULA) of F-Secure as applicable to You. Our role in relation to distribution of F-Secure Internet Security to You shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from the use of F-Secure Internet Security.

6. It is hereby clarified that CreditMantri will always remain responsible and liable for any services / claims arising from the use of Credit Health Report (Section A4). You will be governed by the specific Terms and Conditions of CreditMantris as applicable to you at the time of usage of Coupon Code for CHR. Our role in relation to this service provided to You shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from the use of this service.

7. It is hereby clarified that TVS Auto Assist will always remain responsible and liable for Road Side Assistance service (Section A6). You will be governed by the specific Terms and Conditions of TVS Auto Assist as applicable to You. Our role in relation to this service provided to You shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from the use of this service.

Payment

1. You must pay the Fee in advance on or before the due dates set out in Your Welcome Pack or which We agree with You from time to time.

2. CPP reserves the right to revise its Fee at any point of time but it will not change for Your Membership until the next Renewal Date.

Cancelling Your Membership

1. You have a right to cancel Your Membership within thirty (30) days of Your Start Date or Your Renewal Date. If You exercise this right to cancel then Your Membership will be cancelled immediately and any payment You have made will be refunded in full.

After thirty (30) days the Membership may be cancelled by the Member at any time by giving at least fourteen (14) days written notice to us. You will be refunded the membership Fee as per the following refund grid:

· Within 30 days: 100% refund

· Between 31 and 180 days: 50% refund

· After 180 days: Nil

No refund of Fee shall be due on cancellation under any circumstances if You have used any of the features of the Service or if the cancellation notice is provided six (6) months after the Start Date (or Renewal Date).

2. We will cancel Your Membership on written notice to You if:

a) We do not receive advance payment of the Fee from You on the date it is due; and/or

b) You have at any time:

I. Given us false or materially incomplete information in relation to Your Membership; or

II. Committed a material breach of the terms and conditions of Your Membership.

Governing law and Jurisdiction

These terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India.

We and You agree that all the disputes/differences arising out of or in relation to this Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in Delhi. You and We agree that terms and all other communications will be issued in English.

Complaints

If at any time You want to tell us about a problem with Your Membership please call us on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix Your city STD code) or You can write to the Complaints Manager at:

CPP Assistance Services (Pvt) Ltd.,

P O Box No 826,

Kalkaji Post Office,

New Delhi - 110019

We will do our best to revert to Your query within 48 working hours. We will also do our best to send you communications as relevant from time to time to keep You informed on the progress.

If you think you are not getting a satisfactory response, You may escalate the matter to escalations@cppindia.com

Recording calls

We record all telephone calls made to us. We do this to:

· provide a record of the instructions We have received from You;

· allow us to monitor quality standards;

· help us with staff training; and

· meet legal requirements.

All communications and Membership documents will be in English unless otherwise agreed.

Your consent

By entering into this Agreement You hereby expressly accord Your consent and authorize us to collect all the required data/information including any sensitive personal data or information from You to service You under this Agreement. Prior to providing any information, You have an option not to provide the data or information sought under this Agreement by sending to us a written notice to that effect.

By entering into this Agreement, You hereby expressly accord Your consent that for the better performance of this Agreement We may transfer Your data/information to any city within India or to a country outside India as mentioned herein. If We do transfer Your data within or outside India, We will make the appropriate checks to ensure that Your data is adequately protected.

Remember that upon request, You have a right to see and review all the personal information We hold about You and if found to be inaccurate or deficient, shall be corrected or amended as feasible. If You would like to request this, please contact our Customer Services Team on 6000-4000 (please prefix your city STD code). Please note that there will be a separate administration charge for the provision of this information. Please also note that We will not be responsible for the authenticity of the information provided by You to us as required under this Agreement.

You have the right to withdraw the consent earlier provided by You with respect to providing Your data/information sought by us anytime while availing the Services. Such withdrawal of the consent shall be intimated in writing to us. However, in the event that You decide not to provide the data/Information sought by us or withdraw the consent earlier given by You, then We retain the right to not provide the services for which such data/information was sought.

Data Protection Notice

We will use the information You provide to:

· manage Your Membership;

· collect Fees when due; and

· provide the Service to You.

We will collect the Fee from the card/ bank account that You have informed us is the Pay Card / Pay Account.

If You use a payment card to pay for the Service, We may ask the issuer of that card to tell us about changes in Your address and other personal and financial details so that We can update Your records. This may include, but is not limited to, asking for new card or account numbers and for information about changes to any of Your personal contact details (e.g. phone or fax numbers, or e-mail addresses).

We may pass Your personal information to our approved suppliers/service providers including our group companies for the purpose of sending correspondence to You and providing some of the features of the Service to You. They may contact You by post, landline telephone or, if You have previously agreed, by email or mobile phone. By taking out Your Membership and by giving us Your address, phone number and email address, You agree that We and our approved suppliers/service providers may contact You using these methods, unless You have told us not to. If You do not want Your details to be used for these purposes, please let Us know in writing at any time.

How We protect Your data

We take data security very seriously and go to great lengths to ensure Your information is protected against unauthorized use of any kind. We have appropriate measures in place to safeguard the data We hold. Our Information and Data Security Systems at CPP Group Plc have been verified by accreditation in the form of ISO 27001 and PCI-DSS certificate for Information Security Management.

Our suppliers/service providers are vetted to ensure they comply with the necessary data protection protocol before they are approved.

We are continually reviewing and updating our security procedures as new technologies become available. All areas of our website where personal information is collected are secure and will display the 'padlock' symbol for reassurance. Where information is transferred it shall be encrypted using the latest encryption technology commercially available.

Please refer to our data privacy policy at our website in.cppgroup.com for more details.

Who We may pass Your details to and how they would be used

Updating Your records

We may ask Your Issuer / bank to tell us about changes in Your contact details / details specifically related to the Services (subject to any disclosure contract in this regard that You may have with the Issuer) so We can update Your Membership records. This may include asking for updated or new Card numbers or bank account details and for information about changes to any personal contact details (e.g. telephone, mobile phone or fax numbers or email addresses).

Providing the Service

If You ask us to report a lost Card, We will pass Your name and address and the details of the Card to the Issuer so that they can cancel it and provide a replacement, if requested by You.

When You take the Membership, We pass Your personal details to our approved suppliers to provide some of the services described in Section A. We will only pass to them the minimum amount of information required for them to be able to identify You, should You need these services. Our suppliers will pass Your information (such as Your name, contact details, etc.) to third parties to enable them to assist You only in instances when You require help from them.

We may pass Your personal information to our approved fulfilment and courier vendors so that We can send correspondence to You and provide some of the features of the Service to You.

Marketing and Market Research

To avoid contacting You unnecessarily about products or services You may already have, We will compare Your details with information on prospect files prepared by our business partners. When We do this We may need to tell our business partners/third party suppliers/service providers that You have subscribed for the Service or hold a product with us and disclose enough personal data to allow our business partners/third party suppliers/service providers to identify You on these files.

We and our approved suppliers/service providers may also use Your personal information to contact You about goods and services that might interest You or invite You to take part in market research surveys. You may be contacted either by post, phone or e-mail for these purposes. If You would prefer this not to happen, please let us know when You register, or call us at any time if You change Your mind.

MakeMyTrip (India) Private Limited (MakeMyTrip)

When You take out a subscription, We pass Your personal details to MakeMyTrip to provide the services described in Sections A1, A2 and A3. We will only pass to them the minimum amount of information required for them to be able to identify You, should You need these services. MakeMyTrip may pass Your information (such as Your name, contact details, etc.) to third parties to enable them to assist You only in instances when You require help from them.

Grievance regarding Data Protection issues

If at any time You want to tell us about a problem, discrepancy or grievance regarding Your personal data/information/details or the processing thereof, please call our designated grievance officer Prachala Singh on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (if calling from a mobile phone, please prefix Your city STD code) or You can also write to our grievance officer at:

CPP Assistance Services (Pvt) Ltd

P O Box No 826,

Kalkaji Post Office,

New Delhi - 110019

Our grievance officer will do his best to expeditiously redress any issues/grievance that You may have within a period of thirty (30) days from the date of receiving Your grievance.

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Planned Maintenance: 7th June – 9th June 2014.

We’re doing some maintenance on our systems this weekend between 20:00 on Saturday 7th June and 06:00 on Monday the 9th June. During these times it is not currently possible to buy online.

We apologise for any inconvenience this may cause, however if you need to get in touch or report a card loss during this time you can find our contact information here.

10010Register Your Interest

This product is not currently available to purchase online. You can contact us by using the form below if you would like some more information or if you have any questions relating to this product.

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