Fraud Protection to keep you financially safe!
One Tap/Call To Block Your Credit & Debit cards
In case of wallet theft/card fraud, get you cards blocked in just a tap on our App or call toll-free on 1800 123 3330. All Credit & Debit Cards that you currently have and you get in future are protected during your membership.
Free ID Card Replacement
Now that your identity cards are lost you need new ones to replace them-we help you with this process so you get a new PAN card at no extra cost.
One call assistanceJust one call from anywhere in the world, reachable 24X7 to report
Protection against fraudulent Tap and Pay transactions in case you lose your debit/credit card.
Protection against card cloning fraudsSim cloning/swapping and jacking fraud protection
Malware/ransomwareProtection from malware attacks
No FIR requiredNo FIR is required for claims up to 5k
STANDARD TERMS AND CONDITIONS
DEFINITIONS
1. "Plan(s)" shall mean the either or all of the products/ services package offered by OneAssist from time to time, which products/services may have add on components or features.
2. "Joint Plan" means any OneAssist Plan that is taken for two members at the same time where the two members are related to each other by way any of the following:
- Spouse
- Siblings
- Parent - Child
- Grandparent - Grandchild
Subject to both the members fulfilling the conditions necessary for a OneAssist membership.
3. "Plan Fee" shall mean the fees charged by OneAssist from time to time for the Plan(s) availed by the Customer and set out in the respective Plan Terms. The Plan Fee is applicable for the respective duration of the plan as mentioned below. The Plan Fee is inclusive of all applicable taxes.
4. Family Members' means self/Insured and other members related to the Insured by any way of the following: -
- Spouse
- Siblings
- Parent - Child
- Grandparent - Grandchild
5. "Plan Terms" shall mean the terms and conditions separately provide with the Terms herein which shall be specifically applicable in relation to each Plan(s).
6. "Free Look in Period" shall mean the number of days from the date of activation of the Plan(s) within which the Customer may cancel the Plan(s) and obtain a refund of the Plan Fee.
7."Insurer" shall mean the third-party insurance provider as OneAssist may partner with from time to time for the add on benefit as may be applicable to the various Plans.
8. "Service Partner" means any third-party service provider affiliated with OneAssist.
9. "Personal Information/Data" shall mean and include such personal and financial information of the Customer relating to his/her data /or documents, in any medium including financial information such as bank account or credit card or debit card or other payment instrument details, identification document details including passport, PAN card details, driving license, etc.
PURPOSE
1. These terms and conditions ("Terms") shall govern the transaction between OneAssist Consumer Solutions Private Limited ("OneAssist") and the party whose name appears on the Order ("Customer") in relation to the Plan(s) provided by OneAssist.
2. These general terms and conditions define the framework and the respective obligations of the parties. Specific terms and conditions relating to the specific Plan(s) that has been availed or subscribed to by the Customer supplementing or derogating from these general terms & conditions may be agreed to in the Plan Terms in writing which shall be annexed to his Terms.
3. Customer acknowledges the receipt of the Terms and the Plan Terms, as applicable and agrees to be fully bound by the Terms and the relevant Plan Terms. In the event, the Customer avails of any benefit under any of the Plan Terms or lodges a claim within the term of the Policy, the Customer shall deem to have accepted the Terms unconditionally.
CUSTOMER CONSENTS AND CONFIRMATIONS
1. Further, the Customer has and hereby consents to the use of the Personal Information by OneAssist for the purposes of providing the various services under the Plan(s) offered by OneAssist. OneAssist respects the privacy of the Customer and the confidentiality of Customer's Personal Information so collected by OneAssist by itself or on its behalf and shall take all reasonable steps to protect it and maintain its confidentiality.
2. The Customer also hereby consents to the Personal Information being disclosed by OneAssist to any third party including any insurer, Service Partner of OneAssist who will be either providing the add on insurance or other benefit and/or services on each of the Plan(s) for the purposes of fulfillment of the services or if required by law.
3. The Customer expressly and without limitation, consents to OneAssist or its service partners recording phone calls between the Customer and OneAssist on the helpline numbers set out in the relevant Plan Terms in order for OneAssist to inter alia
- provide a record of the instructions received from the Customer and to share the same with the Service Partners, if required,
- allow itself or its service partners to monitor quality standards,
- training purposes, and (iv) meet legal and regulatory requirements.
4. The Customer acknowledges that OneAssist has the sole right to vary the features/benefits under the Plan(s) or the Plans or the amount or rate of the Plan Fee or part thereof, from time to time.
5. The Customer hereby provides his/her consent to OneAssist for appointing agents to collect amounts payable to OneAssist, as may be considered necessary in the sole discretion of OneAssist and which shall be at the sole risk and cost of the customer
6. The Customer acknowledges that OneAssist may engage third parties including Service Partners for the fulfillment of the services and the Customer hereby consents to OneAssist disclosing, to the extent relevant, the Customer's Personal Information and/or details of
Plan(s) availed by the Customer to inter alia (a) our affiliates Service Partners (b) to our suppliers, vendors, for the purposes of servicing the Customer.
7. The Customer hereby consents to receiving period SMS / email communication from One Assist of information pertaining to its product features/ services.
TOTAL FEES/CHARGES
1. OneAssist shall charge the Plan Fee from the Customer for availing of the Plan(s) from time to time and for the duration of the respective Plan. The Plan Fee shall be payable in advance and the Customer may make a one-time payment of the Plan Fee for the applicable period or authorize OneAssist with appropriate debit instructions to deduct the Plan Fee from the Customer's bank or credit/debit card from time to time including applicable taxes and levies.
2. Activation of the Plan(s) is subject to realization/receipt of the Plan Fee.
SERVICING OF CLAIMS
1. One Assist and its Insurer will be the service provider and shall assist in facilitation of the claim by Liasoning with the Insurer. The Merchant or the marketing partner shall under no circumstances be obligated towards the claims servicing of the plan coverage offered to the customer.
2. The Customer acknowledges and understands that claim or payment of any benefit covered by complimentary insurance covers shall be at the sole discretion of the Insurer and OneAssist shall only provide assistance in facilitation of the claim by liaising with the Insurer. Any claims made by the Customer under these Terms and Plan Terms shall be subject to the following:
3. The Customer having met and complied with the Terms and the Plan Terms (as applicable).
- This also applies to terms and conditions set out herein and any others which may be added to the terms and/or the Plan Terms and communicated to the Customer at a later date;
- The Customer having provided OneAssist with full and accurate information in connection with the coverage, as applicable;
- The Customer having acted in a bonafide manner to make a claim;
- The Customer having complied with the requirements of the Insurer for the purposes of processing the claim, would need to furnish the details and documents as required by the Insurer.
4. Notwithstanding anything contained herein above, OneAssist shall not be obliged to entertain any claim from the Customer unless (I) the Customer is over the age of 18 years and a resident of India, and (ii) the Plan Fee up to the date of claim has been paid.
CANCELLATIONS/ RENEWAL/TERMINATION
1. There is no free look in period in this plan coverage. Customer would not be able to opt- in for any refund in case of any cancellation from the customer’s end.
2. OneAssist will cancel the Terms and/or the Plan Terms if OneAssist does not receive the Plan Fee (all inclusive) on the date it is due.
3. OneAssist will cancel the Terms and/or the Plan Terms if the Customer has at any time:
- agreed to help any third party to try to fraudulently or dishonestly obtain money from OneAssist or the Insurer; or
- is in violation of applicable law as may be relevant to the use of the Plan(s); or
- failed to meet the Terms and/or the Plan Terms, or to act in good faith, openly, honestly and in a bonafide manner towards OneAssist or the Insurer including by providing false or inaccurate information; and d. Customer fails to return to OneAssist or its authorized Service 'Partner(s) any goods/ devices temporarily lent to him/her or money advanced on an emergency basis to him /her or tickets or hotel bookings made on behalf of the Customer and which are to be returned/ reimbursed/ paid as per the terms of the Plan to OneAssist or to its authorized Service Partner.
4. The Plan(s) will be on an automatic renewal basis unless cancelled and OneAssist will collect the Plan Fee for renewal of the Plan(s) at the start of each year/term from the card that the Customer has shared with OneAssist for effecting payment. In case OneAssist is not able to collect payment from this card, it will collect the Customer's payments from any other Card the Customer may have registered with OneAssist. The membership renewal allows the Customer the same cancellation terms as the existing Plan
CONFIDENTIALITY
1. OneAssist shall make reasonable efforts to ensure that the Personal Information of the Customer is kept confidential and not disclosed to any third party except to the extent required for fulfillment of services.
REPRESENTATIONS AND WARRANTIES
1. The Customer represents that he/she is completed the age of 18 years and is a resident of India.
2. The Customer is in compliance with the applicable law as may be relevant for the Plan (s) which is availed of by the Customer.
3. The Personal Information provided by the Customer for the purposes of availing of the Plan(s) is and shall be true and accurate.
OBLIGATIONS AND COVENANTS OF THE CUSTOMER
1. If the Customer receives a benefit as contemplated under- any specific Plan Terms and it is later discovered that the claim was dishonest, fraudulent or false, OneAssist will take steps to recover from the customer, such payment(s) made to the Customer, either by OneAssist or a third party, as the case may be.
2. The Customer undertakes that he/she shall strictly comply with the OneAssist or a third party, as the case may be.
3. The Customer acknowledges, confirms and covenants that that the object of the Plan(s) being availed of or provided by OneAssist is not an 'insurance product' but insurance is merely an add on feature of the Plan(s) on a group insurance basis and that the Customer has availed of the Plan(s) in accordance with this understanding.
4. The Customer undertakes and covenants that he/she shall not make use of the Plan(s) to or in the course of usage of the Plan(s), upload, display, publish, update, disseminate or transmit content or information that:
- belongs to another person and to which the user does not have any right to or which is confidential;
- is an impersonation of another person, grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
- harm minors in any way;
- infringes any patent, trademark, copyright or other proprietary rights;
- deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
- contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or
-
Threatens the unity, integrity, defense, security or sovereignty of India or seditious, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting to any other nation or violates any other provision of law.
LIMITATION OF LIABILITY
1. OneAssist shall not be liable for any incidental, consequential, exemplary, special or indirect damages (including, but not limited to, loss of profits, revenues, data and/or use). OneAssist disclaims all implied warranties of merchantability, fitness for a particular purpose, and non- infringement. OneAssist's total liability under the Terms and/ or the relevant Plan Terms shall not exceed the Plan Fee.
2. In case of a claim under the complimentary insurance benefits provided with the Plan(s), OneAssist's role in discharging its obligations here under shall be that of a mere facilitator, and OneAssist is not and shall not be liable to the Customer for any claim, loss-, damage, or in relation to or compensation caused is arising from or in connection with the complimentary insurance policy.
3. The servicing of the claim loss will be t
INDEMNITY
1. The Customer hereby agrees to defend, indemnify and hold OneAssist and its officers, directors, employees and subcontractors harmless from any & all losses, damages, liabilities, verdicts, settlements judgments, costs, and expenses (including reasonable attorneys' fees), incurred by OneAssist or its officers or employees arising out of:
- any wrongful act or omission of the Customer in relation to the usage of the Plan(s);
- any willful misconduct, gross negligence or fraud by the Customer;
- any failure of the Customer to comply with the applicable law;
- any breach of the representations, warranties, obligations and covenants of the Customer or a default of the Customer's obligations; and
- any third-party claims arising out of the Customer's use of the Plan(s).
2. This indemnity will survive the termination of the Terms and/or the Plan Terms and is in addition to and not in substitution of the other remedies and rights that OneAssist may have, either at law in the Terms and/or the Plan terms
NOTICES
1. Any notice required under the Terms and/or the relevant Plan Terms must be in writing and must be either (a) delivered in person, (b) sent by first class registered mail, or air mail, as appropriate, or (c) sent by overnight courier, in each case properly posted and fully prepaid to the appropriate address set forth herein.
3rd floor, Fleet House, Andheri - Kurla Rd, Gamdevi, Marol, Naka, Mumbai, Maharashtra 400059
MISCELLLANEOUS
1. The Terms will inure to the benefit of the legal successors of OneAssist. Other than as stated above, no assignment of the Terms is possible.
2. OneAssist will not incur any liability to the other party on account of any part of Terms if such delay or failure is caused, in whole or in part, by events, occurrences, or causes beyond the control and without negligence of the parties. Such events, occurrences, or causes will include, without limitation, acts of God, bandhs, riots, acts of war, natural disaster, fire and explosions, or any other events reasonably beyond the control of either party.
3. OneAssist reserves the right to amend the Terms and/or the Plan Terms and/or the features or pricing of the Plans. Upon such amendment such terms will become applicable immediately and will be intimated to the Customer in due course If the Customer does not accept the amendment of the Terms and/or the Plan Terms, he shall have the right to terminate Terms and the Plan Terms with appropriate notice as may be specified in Clause 6. The alteration of the Terms and/or the Plan Terms shall be deemed accepted where the Customer continues to use the service one (1) month after the amendment has taken effect.
4. The Terms along with the relevant Plan Terms constitutes the entire agreement between the to use the service one (1) month after the amendment has taken effect.
5. The Terms along with the relevant Plan Terms constitutes the entire agreement between the
6. The Agreement shall be governed by the laws of the Republic of India.
7. All disputes arising in connection with the Terms and/or the respective Plan Term(s) shall be finally settled by arbitration pursuant to the rules of the Arbitration and Conciliation Act, 1996, by one arbitrator appointed in accordance with the said Rules. The seat of arbitration shall be Mumbai. The language of the arbitration proceedings shall be English. The decision of the arbitrator shall be final and binding on the parties.
FRAUD PROTECT (SERVICE DESCRIPTION AND TERMS & CONDITIONS)
Note: The terms contain herein are specific terms and conditions applicable to the specific product i.e. Fraud Protect, and are in addition to and not in derogation of the standard terms and conditions.
| No. | Features | Fraud Protect |
| 1 |
One Call to Block Bank Cards |
Yes |
| 2 |
Complimentary Fraud CARD Protection - Pre-Reporting up to 30 days (including Offline, Online & ATM Fraud transactions) |
Yes (up to Rs.1,00,000) |
| 3 |
Complimentary Fraud CARD Protection - Post Reporting Complete Protection |
Yes |
| 4 |
Free Replacement Services (PAN Card and Driving License) |
Yes |
| 5 |
Complimentary Emergency Travel Assistance |
Yes |
| 6 |
Free look-in period |
No look-in period |
Definitions
The definitions as set out herein are in addition to the definitions as set out in the general Terms. "Cards" means the Customer's credit/debit/forex/prepaid cards.
"Group Insurance Policy" means the group insurance policy issued by the Insurer to OneAssist, for the benefit of the beneficiaries, all being the customers of OneAssist. "Issuer" means the issuer(s) of the Cards.
Plan Features
One Call to Block Cards
1. The Customer must provide and promptly update all his Card details with OneAssist.
2. In the event of theft or loss of wallet, the Customer has to immediately call OneAssist to report the loss of the wallet. In order to give a request to block any Card, the Customer should have registered the Cards with OneAssist prior to placing the request for blocking. In the event that customer 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), OneAssist will assist the Customer by conferencing the Customer on the telephone call with the Issuer in order for the Customer to provide such PIN/TIN for authentication purposes.
3. In case the Customer has not shared the details of a particular Card with OneAssist and requests the same to be blocked Card, with OneAssist shall attempt to block the same help of other details provided by the Customer on a best effort basis.
4. The Customer must follow the Issuer's instructions and meet all the Issuer when using the Cards. OneAssist will not facilitate payment of any claim where the Issuer informs OneAssist of the Customer noncompliance or breach of the Issuer's terms. The decision of the Issuer in this regard will be final.
5. The Customer hereby consents to OneAssist acting on its behalf and to do all such acts necessary in the performance of its obligations as set out herein visa the Issuer.
Complimentary Fraud Card Protection
It is hereby agreed and declared that, this program is extended to cover the following
- Any fraudulent Use of a Bank Card(s) 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
- Losses arising out of duplicate or counterfeit cards as issued by the Bank named in the Schedule created without the Card holder's Knowledge,
- any fraudulent 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 Insured or the insured's Bank Card processor.
The customer must cancel the Card as soon as practicable, but in any event not more than 1 day, after receipt of notification of the unauthorized access or theft.
- The Customer undertakes to act in a bona fide manner and shall with any third party, attempt to fraudulently benefit from this or any other Plan.
- Claims will be governed by the Insurer's/Issuer's terms and conditions, as applicable.
- The pre reporting and post reporting cover is provided on a case-to-case basis whereby OneAssist will ascertain or determine the eligibility of the Customer's claim on the basis of self-declaration by the Customers and the circumstantial facts surrounding each situation.
- The pre-reporting cover is provided for fraudulent transactions on lost Cards up to 30 days prior to the reporting. The pre-reporting cover for fraud must be reported by the Customer to OneAssist by calling OneAssist within 24 hrs of discovering the loss/fraud.
- It is mandatory that for pre- reporting and post reporting cover, the Customer should have actually lost the Card and reported it to be lost to OneAssist.
- One Assist reserves the right to determine the actual time of the call, on the basis of the call records available with OneAssist in order to ascertain the cover. The Insurer is fully responsible to ensure that the pre-reporting claim payment is made in the name of the insured member of the group, i.e., the Customer, even if the cheque is sent to the OneAssist for administrative convenience. One Assist’s responsibility will be restricted to assisting the Customer in the registration and in the follow up of the claim.
Exclusions:
The insurance company will not make any payment in respect of:
- Losses sustained by the Insured Person(s) resulting directly or indirectly from any fraudulent or dishonest acts committed by Insured Person(s)'s employee and family member, acting alone or in collusion with others in respect of the Card.
- Losses sustained by the Insured Person(s) through forgery or alteration of or on or in any written instrument required in conjunction with any Card.
- Losses resulting from any Card issued without making a proper application to the Insured named in the Schedule. However, this exception will not apply in respect of replacement of a Card which has been previously issued by the Insured named in the Schedule.
- Losses arising out of use of the Card by the Insured Person(s) with intent to defraud the Insured named in the Schedule.
- In case of mis-representation of facts by the insured person with regards to the loss details/claim details/cause of loss etc., the claim would be inadmissible.
- Claim is inadmissible in case card issuing bank/ authority reverses the transactions or reimburses the customer up to the loss.
- Losses, which the Insured named in the Schedule is legally entitled to recover from the Insured Person(s), or the corporate or other legal entity agreeing to honor Card expenses incurred by the Insured Person(s).
- Insured take all reasonable care and precautions to prevent accident, loss or damage and to act prudently to minimize any claim arising out of an insured peril
- In case of cancellation of purchases of products or services, if the amount refunded is not credited to the Original Source of Booking, then the insurance company will not make payment for any claim arising as a consequence of this to the Insured / Insured Person(s).
- Loss arising due to gross negligence on your part including but not limited to sharing of One-Time password/PIN with anyone
- NEFT, IMPS and Net banking transactions.
- Any M-Wallet or UPI transactions
- The Company will not make any payment for any claim directly or indirectly arising from, or occasioned by, or due to:
- Loss incurred by the cardholder because of misuse of credit card at any site not having authorized Verisign Security status or any other equivalent security status at any point in time for the entire period of the insurance.
- Any transactions not confirmed by host website or authorized bank.
- Any errors made by the host website or authorized bank.
Documents required for filing claims may include, inter alia:
- Claim form duly filled & signed by the Customer; and
- F.I.R. or intimation copy issued by the police; and
- Bank Statement indicating the fraudulent transaction
- Correspondence with the Bank on the fraud including a dispute letter submitted to the bank
- Any other document(s) as may be required by the respective Insurer
SIM Blocking
- In the event that the Customer's Mobile Phone/SIM Card is lost / stolen, the Customer should immediately report the theft to OneAssist/ telecom service provider. In the event that OneAssist requires the Customer to be on the call with the Telecom Service Provider to block the SIM Card, OneAssist will conference the Telecom Service Provider with the Customer to facilitate the blocking of the SIM Card.
- In order to give a request to block the SIM Card, the Customer should be an existing customer of OneAssist prior to placing the request for blocking SIM card and customers mobile number and Service Provider should be registered with OneAssist. In case the Customer had not registered particular details with OneAssist, OneAssist would attempt to block the Mobile Phone number /SIM Card, with the help of the details provided by the Customer on a best effort basis.
Complimentary Emergency Travel Assistance
|
Emergency Travel Assistance |
Coverage limit |
|
(a) Emergency Ticketing - in India |
Rs. 40,000 |
|
Abroad |
Rs. 80,000 |
|
(b) Emergency Hotel Bill Payment, in India |
Rs. 40,000 |
|
Abroad |
Rs. 80,000 |
- The customer is eligible for emergency travel assistance services only when the customer has reported the loss of cards while travelling out of his registered city of residence.
- The emergency travel assistance services shall be made available to the Customer at the sole discretion of OneAssist and subject to the Customer consenting to OneAssist making such enquiries as may be deemed necessary in the sole discretion of OneAssist, in order to assess the claim or the benefit sought to be availed of by the Customer.
- If the Customer is in India or abroad at the time of loss of the Card, OneAssist shall, at its discretion facilitate through its Service Partners, payments to the Customer's hotel in order to cover the Customer's hotel bill.
- OneAssist shall facilitate through its Service Partner, at its sole discretion, payment in India towards ticketing arrangements (in the event the Customer is abroad/in India) on behalf of the Customer in order to make alternate travel arrangements to return to the travel destination nearest the Customer's home. This facility shall be made available in the event the Customer's travel tickets have been lost or stolen at the same time as the loss of the Cards.
- Any advance made to or on behalf of the Customer, including the emergency ticketing, emergency hotel bill payment and the emergency cash assistance (if applicable here) under shall be interest free and repayable within twenty-eight (28) days from the date of the advance being provided. In the event of the advance not being repaid/ reimbursed within the stipulated time, OneAssist shall be at liberty to take such action as may be deemed necessary, in the sole discretion of OneAssist, to recover the advance which shall be to the cost of the Customer and shall constitute a debt payable by the Customer to OneAssist.
- The Customer shall sign such documents acknowledging receipt of the advance, including the emergency cash assistance at the time such advance is made by OneAssist or through any of its Service Partners.
Free Replacement Services
- This replacement service is only available to the Customer when the Customer reported to OneAssist. The replacement wallet is lost/stolen and the same has been service under any other circumstance will be upon the sole discretion of OneAssist.
- The Customer has to report the loss of the PAN Card/ Driving License to OneAssist. The Customer also needs to provide OneAssist with the PAN Card/ Driving License number & all the documents required by the PAN card/ DL issuing authorities.
- All costs for getting the duplicate PAN/ DL issued as it was last or originally issued (without any changes) would be borne by OneAssist.
