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Definitions
In this document the following words and phrases have the meanings set opposite them unless the context indicates otherwise: Affiliate of Fortune International shall mean and include:
a. Fortune International; or
b. any company which is the holding or subsidiary company of Fortune International;
c. a person under the control of or under common control with Fortune International;
d. any person, in which Fortune International has a direct or beneficial interest or control in 26% or more of the voting securities of such person.

For the purpose of this definition of Affiliate, "control" together with grammatical variations when used with respect to any Person, means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of the vote carrying securities, by contract or otherwise howsoever; and "Person" means a company, corporation, a partnership, trust or any other entity or organisation or other body whatsoever.

Advisor means a general insurance agent for Fortune International who has passed the regulatory requirements for being an Advisor as prescribed by the Insurance Regulatory and Development Authority

Call Center means the call center set up by Fortune International to assist Customers of Fortune International with respect to various transactions and to furnish information etc.

Customer means a Policyholder accessing the Web Site for obtaining information on Fortune International's general insurance products, including access to all facilities that are or may be provided / offered to the Visitors, Customers and Registered Users from time to time on the Web Site.

Customer Password means the password or other means of authentication as Fortune International may specify from time to time provided to/required to be provided to the Customer, and using which the Customer may authorise transactions which shall include but shall not be limited to downloadable request for proposal and claim forms for various general insurance products that are offered by Fortune International, etc. Fortune International may decide to permit other transactions or to discontinue existing transactions from time to time, further details of which shall be provided on the Web Site.

Policy means the various general insurance policies that Fortune International may introduce from time to time.

PolicyHolder means a person who purchases a Policy from Fortune International.

Terms or Terms and Conditions means the terms and conditions for use of the Web Site, as specified herein, by Visitors and Customers.

Transaction Password means the password, or other means of authentication as Fortune International may specify from time to time, that is provided by Fortune International to the Customer upon provision of which, the Customer would be able to authorise transactions specified by Fortune International from time to time, further details of which shall be provided on the Web Site.

Visitor means any person having access to the Web Site for general information about Fortune International and its products and other facilities offered from time to time on the Web Site.

Web Site means the portal located at the URL www.fortunelife.net
You/Your means the Visitor or Customer, as may be applicable.
In this document, all references to the Visitor or Customer in masculine gender shall be deemed to include the feminine gender and singular includes plural and vice versa and the word "includes" should to be construed as "without limitation".

Applicability of Terms
These Terms and Conditions, in so far as they refer to the Visitor and Customer, form the contract and agreement between such Visitor/Customer and Fortune International unconditionally.

Right To Alter The Services
Fortune International reserves the right to add, amend, revise suspend or cancel in whole or in part any of the services which are, or may become, part of the Web Site, without any prior notice to the Visitors or Customers. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Visitors and Customers. Fortune International may introduce new services in relation to the Web Site from time to time. The existence and availability of the new services will be notified on the Web Site as and when they become available and any revisions in the Terms and Conditions will take place in accordance with these Terms and Conditions.

 
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