Legal informations


Please read carefully the following terms of use, which apply to all visitors of the site [] and which you agree to comply with.


AXA France Vie – India Reinsurance Branch (Branch) reserves the right to add to, modify or remove and more generally update at any time, all or part of these terms of use. The Branch will inform each visitor of the Site (User) about the modifications made to the present terms of use.

If the User does not respect these terms of use and if the Branch does not immediately react, this does not mean that the Branch waives its rights to act subsequently.


The Site editor

AXA France Vie – India Reinsurance Branch

5th Floor, Office Tower, Select City Walk, Plot No. A-3,

District Centre, Saket, New Delhi – 110017, India

Phone: +91 11 6623 2500

FCRN: F06245, IRDA Reg. No.: FRB/009


Publication Director

Ankur Nijhawan – Chief Executive Officer

Web hosting

GIE AXA Technology Services France 21 avenue Matignon 75008 Paris (01 55 67 20 00)



The Site is an information site published in English, intended both for the Branch’s customers and non-customers.

The information contained on the Site is given strictly for informative purposes and does not entail any legal commitment or implicit or explicit contractual agreement on the part of the Branch, which also reserves the right to modify its characteristics at any time.

Access to the Site is free of charge. However, the costs of access and use of the telecommunications network shall be borne by the User, according to the terms stipulated by his/ her Internet access provider and his/ her telecom operator.


The Branch respects the privacy of all Users of its Site and ensures that all personal information is treated confidentially and in accordance with applicable data protection laws. By personal information we mean “any information that relates to a natural person which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person”. (Extract of rule 2(1)(i) of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011).

When the User connects to the Site, the Branch may collect the following personal data about him/her:

• Identification data;

• Personal life;

• Professional life;

• Economical and financial data;

• Log data.


This personal data may be used for the following purposes in accordance with the Information Technology Act, 2000, the rules thereunder, and all other applicable laws and regulations:

• To maintain and develop the Site;

• For the purpose of consumer information;

• To keep the clients informed about the product and services of AXA France Vie, the Branch and other AXA group entities, from time to time, (AXA Group);

• For commercial solicitations;

• For specific requirements mentioned in a collection questionnaire.


Other than for the purposes described above, we will not collect, process or use your personal information.

Where the Branch uses personal information for marketing purposes, the Branch will only do so in compliance with applicable legal requirements (such as obtaining User’s prior consent).

Personal information collected on the Site can be transferred to the companies of the AXA Group or to third parties, in particular external providers within or outside the User’s country of residence for the purposes set out above. The Branch informs the User that his/her personal information may only be transferred to an entity in India, or located in any other country, that ensures the same level of data protection as provided for under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

The User has a right of access, modification, correction and removal of data collected on this Site, under the conditions stipulated by rule 5(6) of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. The User may, at any time, object to any processing of his/her personal data on legitimate grounds.

To exercise his/her rights, the User will write to the Site manager at the following address:

AXA France Vie – India Reinsurance Branch

Head – Software Development

5th Floor, Office Tower, Select City Walk, Plot No. A-3,

District Centre, Saket, New Delhi – 110017, India

Phone: +91 11 6623 2500


The creation of hypertext links to the Site is subject to the explicit prior approval of the Branch.

The Site can contain hypertext links to other sites. The existence of hypertext links between the Site and third party sites means in no way that the Branch approves the content of that site or the use which may be made, and may not, under any circumstances, incur the Branch’s responsibility. The User visits the other sites at his/her own risks and under his/her responsibility.

The Branch does not accept any responsibility for any third party website linked to or from this website.

It is to be recalled that delays, omissions or inaccuracies are liable to occur because of the electronic transmission system.


All the elements of the Site, individually and as a whole, are governed by applicable legislation on intellectual property, copyright law, trademark law. The same applies to the form of the Site (tree view, layout, design, conviviality…), as well as to its content (trademark, texts, images, illustrations, music, sounds…). These elements are the exclusive property of the Branch or are licensed to the Branch, and the Branch is the sole authorized user of such elements.

Any other complete or partial reproduction, representation or communication of the pages, the data and any other element constituting the Site, by any process and on any support, as well as their modification, is prohibited, with the exception of prior and written authorization of the Branch.

"AXA" is a registered trademark. The trademarks, service marks and logos appearing in AXA information services and/or on any other AXA Group entities’ website are the property of the AXA Group entity in question. It is strictly forbidden to use or reproduce the name "AXA" and/or its logos, used alone or combined, in any capacity whatsoever, without the Branch’s prior written agreement.

The non-compliance with such prohibition constitutes an infringement which can result in civil and criminal liability.


The User may not use the Site or its content for an improper purpose or a purpose forbidden by these terms of use, nor encourage any illegal activity, or other activity violating the Branch’s rights or third parties’ rights.

The User is not allowed to use mechanisms, programmes, algorithms or other automatic methods to access, obtain, copy or supervise any part of the Site, nor reproduce or bypass the navigation structure or the presentation of the Site in order to obtain data, documents or information. The User can only extract and/or re-use data, documents or information from the Site when this has been expressly authorized.

The User must not attempt to access unlawfully to any section or functionality of the Site, nor to any other system or connected network to the Site, nor to the services proposed on the Site, by hacking or using any other illegitimate means.

The User must not try to analyse or test the vulnerability of the Site or any connected network to the Site, nor violate the security and authentication measures put in place by the Site or the networks connected to the Site. The User is not authorized to question or trace information about other Users, or clients of the AXA Group, nor to exploit the Site or the services or the information made available on the Site, in any manner, for the purpose of revealing such information, especially personal identification information or the information other than his/her own information, as they appear on the Site.

The User agrees to take no action imposing an undue or unreasonable burden on the Site’s infrastructure, or systems or Branch’s networks, or any network connected to the Site or to the Branch.

The User agrees not to use any mechanism or software to interfere or try to interfere with the proper function of the Site or with any transaction conducted on the Site or with any use of the Site by any other person.

The User must not try to infringe the headers or manipulate the identifying information in any manner, to mask the origin of the message or of an information sent to the Branch using the Site, or a service offered by the Site. The User must not claim to be or represent someone else, nor pretend to be another natural or legal person.

The Branch reserves the right at any time to modify or suspend temporarily or permanently the use of this Site and may not be held responsible for these changes, suspension or interruptions. Also, the Branch declines all responsibility for the dysfunctions or interruptions during the use of the Site due to power failure, defection on telephone lines and/or internet or any other damaging event out of its control.


The Branch may not be held responsible for events out of its control and the potential damages suffered by the technical environment of the User and notably, his/her computers, software, network equipment or any other material to use the Site and/or information contained in it.

The confidentiality of correspondence is not guaranteed on the network and it is up to each User in particular to take all appropriate steps to protect his/her own data and/or software against contamination by any viruses circulating on the Internet.

The User agrees to compensate and release the Branch from all responsibility regarding losses or complaints from third parties, due to or in relation to the use made by such User of the Site.



The Branch endeavours to keep this Site up to date. However, the Branch guarantees neither the accuracy nor the completeness of any information presented.

Besides, to the extent permitted by applicable law, the Branch may in no case be held responsible for any indirect loss, for whatever cause, origins, natures or consequences, resulting from a visit to the Site or associated with such a visit, particularly, and without limitation, for any loss of profits, interruption of activities or loss of software or data.


The Site and its content are governed by and subject to the laws in india. All disputes in relation to the Site shall be subject to exclusive jurisdiction of the courts in New Delhi, India.