Terms of Use

Genworth Financial Mortgage Guaranty India Private Limited (“Genworth Financial, India”) provides this web site (the "Site"), subject to the following Terms and Conditions of Use, which may be updated by us from time to time without notice. This Site provides you with certain services, including but not limited to, access to information about the products and services offered by the Genworth Financial, India and may provide you with information regarding other financial and consumer services and products offered by Genworth Financial, India and its affiliates ("Affiliates") and other third party providers ("Providers"). Use of this Site and the services are subject to the Terms and Conditions of Use and all applicable laws. Certain areas within this Site may be subject to additional or different terms and conditions of use, which are posted in those areas. Not all of the services and materials described on this Site are available for use in all of the countries in which Genworth Financial, Inc. operates. Unless stated otherwise, these Terms and Conditions of Use also will cover any new services and materials added to this Site.

PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEB SITE OR ANY INFORMATION CONTAINED ON THIS WEB SITE. YOUR ACCEPTANCE OF THESE TERMS CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW

Limited License

Subject to the terms and conditions set forth in this Agreement, Genworth Financial, India grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way.

Genworth Financial, India authorizes you to view and download the information ("Materials") at this Site only for your personal, non-commercial use. This authorization is not a transfer of title in the Materials and copies of the Materials are subject to the following restrictions:

1. you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials;

2. you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose;

3. you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use;

4. you must not use graphics on this site separately from accompanying text; and

5. you must acknowledge in all copies of the Materials the source of those Materials with appropriate wording. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. Genworth Financial, India owns the copyright and any other rights in all Materials on this Site other than Parliamentary materials and other Materials as indicated and this Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorized copying of the Materials. Except as expressly provided herein, Genworth Financial, India does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.

No Offer

THE INFORMATION ON THIS SITE IS NOT AN OFFER BY OR ON BEHALF OF GENWORTH FINANCIAL, INDIA OR ITS AFFILIATES TO SELL OR SOLICIT AN OFFER TO BUY ANY SECURITY OR INSURANCE PRODUCT.

No Professional Advice

The information available on the Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting, tax or other financial advice, and is not tailored to a customer's specific circumstances. ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS SITE SHOULD BE EVALUATED IN CONSULTATION WITH A LEGAL, ACCOUNTING, TAX, INVESTMENT OR OTHER FINANCIAL SPECIALIST.

DISCLAIMER

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (1) YOUR USE OF THIS SITE AND THE SERVICES AND MATERIALS PROVIDED AT THE SITE ARE AT YOUR SOLE RISK, AND (2) THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. GENWORTH FINANCIAL, INDIA ITS AFFILIATES AND THE PROVIDERS DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON THE MATERIAL OR ANY OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK.

GENWORTH FINANCIAL, INDIA, ITS AFFILIATES AND THE PROVIDERS (AS TO THEIR MATERIALS ONLY) RESERVE THE RIGHT, IN THEIR SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. WE USE REASONABLE EFFORTS TO PROVIDE YOU WITH ACCURATE INFORMATION. WE RESERVE THE RIGHT, HOWEVER, TO MAKE CORRECTIONS AND/OR CHANGES SHOULD THIS INFORMATION PROVE TO BE INACCURATE. GENWORTH FINANCIAL, INDIA ITS AFFILIATES AND THE PROVIDERS (AS TO THEIR MATERIALS ONLY) MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

THIS SITE, THE SERVICES, INFORMATION AND MATERIALS ON THE SITE AS WELL AS ANY SOFTWARE MADE AVAILABLE ON THE SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. 
SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF IMPLIED WARRANTIES. THEREFORE SOME OF THE EXCLUSIONS ABOVE MAY NOT APPLY TO YOU.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT GENWORTH FINANCIAL, INDIA ITS AFFILIATES AND THE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES, COSTS OR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM: (i) YOUR USE OF OR INABILITY TO USE THE SITE, THE SERVICES, OR MATERIALS, OR (ii) OBTAINING SUBSTITUTE PRODUCTS AND/OR SERVICES, OR (iii) THE USE OF ANY DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM TRANSACTIONS ENTERED INTO THROUGH THE WEB SITE, OR (iv) ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR (v) ANY OTHER MATTER RELATED TO THE SITE, THE SERVICES OR MATERIALS.

SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR THE EXCLUSION OF LIABILITY FOR DEATH OR PERSONAL INJURY. THEREFORE, SOME OF THE LIMITATIONS ABOVE MAY NOT APPLY TO YOU.

Third Party Sites

As a convenience to you, Genworth Financial, India and its Affiliates may provide, on this Site, links to Web sites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk, subject to that site's terms and conditions of use and privacy policy that may be different from those of this Site. It is your responsibility to take all protective measures to guard against viruses or other destructive elements you may encounter on these sites. Genworth Financial, India and its Affiliates make no warranty or representation regarding, and do not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Genworth Financial, India, its Affiliates or this Site sponsors, endorses, is affiliated or associated with, or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Genworth Financial, India or any of its Affiliates or subsidiaries.

Viruses

There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Genworth Financial, India and its Affiliates are not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not Genworth Financial, India or its Affiliates, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

Information Provided By You

In order to use certain Services on this Site, you may have to register. You agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on this Site. If any information you provide is untrue, inaccurate, incomplete or not current, or if Genworth Financial, India or any Affiliate has reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, Genworth Financial, India in its sole discretion, has the right to suspend or terminate your access to the Site. Further, you agree that Genworth Financial, India will not be liable to you or any third party if Genworth Financial, India terminates your access to the Site, and the Services or Materials thereon, for any reason. 
Except for the information you submit during the registration process or during the use of any other service offered through this Site (the "Permitted Information"), Genworth Financial, India and its Affiliates do not want you to, and you should not, send any confidential or proprietary information to Genworth Financial, India or its Affiliates via the Site. In accepting these Terms of Use and the Privacy Policy you agree that any information or materials that you or individuals acting on your behalf provide to Genworth Financial, India or its Affiliates other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials to Genworth Financial, India or its Affiliates, you grant to Genworth Financial, India and its Affiliates an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that Genworth Financial, India and its Affiliates are free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to Genworth Financial, India or its Affiliates. You further recognize that Genworth Financial, India and its Affiliates do not want you to, and you warrant that you shall not, provide any information or materials to Genworth Financial, India or its Affiliates that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

Genworth Financial, India and its Affiliates will use the Permitted Information in accordance with the privacy policy posted on this Site.

Notices

Notices from Genworth Financial, India and its Affiliates to registered users regarding their use of the Site, the Services and Materials will be made by e-mail. In all cases notices regarding a change in the Privacy Policy or these Terms and Conditions will be posted on the Website.

General Terms

Genworth Financial, India reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms and Conditions of Use in whole or in part, at any time without notice; you should periodically revisit this Site to review the current terms and conditions by which you are bound. Changes in these Terms and Conditions of Use will be effective when posted. Your continued use of the Site, the Services and Materials after any changes to these Terms and Conditions of Use are posted will be considered acceptance of the changes.

Genworth Financial, India and its Affiliates may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time without notice. Genworth Financial, India and its Affiliates may also impose limits on certain features and services or restrict your access to all or parts of the Site without notice or liability. Genworth Financial, India and its Affiliates may terminate the authorization, rights and license given above.

The Terms and Conditions of Use constitute the entire agreement between Genworth Financial, India its Affiliates and you in connection with your use of this Site, the Services and the Materials. Any cause of action you may have with respect to your use of this Site, the Services or the Materials must be commenced within one (1) year after the claim or cause of action arises. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms and Conditions of Use or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these Terms and Conditions of Use, and the remainder of the Terms and Conditions of Use shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms and Conditions of Use will survive.

The Terms and Conditions of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Site and in other contracts that you may have executed with Genworth Financial, India and its Affiliates.

International Users and Choice of Law

This Site is controlled, operated and administered by Genworth Financial, India from offices in India. Genworth Financial, India and its Affiliates make no representation that materials at this Site are appropriate or available for use at locations outside the countries noted in the Privacy Policy and access to them from territories where their contents are illegal is prohibited. You are responsible for compliance with all international and local laws, which may be applicable when you access this Site.

Governing Law

These Terms and Conditions of Use shall be governed by the laws of India, and you agree to submit to the exclusive jurisdiction of the courts of India.

Legal

The material on this website is for informational purposes only and it covers a variety of topics on financial products and services. Although some of the information involves tax, legal, accounting or similar issues, neither Genworth Financial, India nor its affiliated companies offering the products or services nor their agents or affiliates are in the business of offering such advice. In addition, advice on such matters must fit your particular circumstances. Consequently, we strongly encourage you to consult with your own professional advisors to examine the legal, tax, accounting, or investment aspects of any information presented on this website and how they may affect your particular situation.

THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY COUNTRY OR JURISDICTION WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY GENWORTH FINANCIAL, INDIA TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

The products and services described on this website:

• are available only in India;

• may not be available in all states of India; and

• are subject to all applicable laws and regulations.

THE FINANCIAL OBLIGATIONS OF INDIVIDUAL PRODUCTS OR POLICIES ARE THE SOLE RESPONSIBILITY OF THE UNDERWRITING COMPANY. NEITHER GENWORTH FINANCIAL, INDIA NOR ANY OTHER AFFILIATES OF THE UNDERWRITING COMPANY ARE LEGALLY RESPONSIBLE FOR PRODUCT/POLICY OBLIGATIONS. 
Regulatory Information 
__________________ is the trading name of Genworth Financial Mortgage Guaranty India Private Limited (Registered in India with registered number _________). Registered Address: Vatika Atrium, IIIrd Floor, Block- B, Sector 53, Golf Course Sector Road, Gurgaon- 122 002, Haryana, India. Any transaction entered into by a recipient of this communication would not fall within the jurisdiction of any dispute resolution or compensation scheme.