At the heart of life insurance statistics in India
We work to enhance life insurance aggregated data in India from publicly available data sources
Life Insurance Industry Report
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Preview Buy View ReportLife Insurance Summary
- The Life Insurance Industry in India consists of 23 private sector companies and the Life Insurance Corporation of India (LIC)
- The total premium income for the Life Insurance Industry for the year 2019-20 is INR 572,910 Crores (USD 77 Billion) out of which INR 313,648 Crores (USD 42 Billion) amounts for Renewal Premium and INR 259,262 Crores (USD 35 Billion) is the New Business premium for the year 2019-20
- The number of policies in force for the Life Insurance Industry for the 2019-20 is 32.74 Crores (327.4 Million)
- The key segments in the Life Insurance Industry are Annuity, Health, Life, Pension & Variable
- Life Insurance Corporation of India (LIC) holds 66.6% market share in the industry as compared to 34.4% of the private sector companies
- The Life Insurance Industry comprises of a total of 11,311 offices, 293,262 employees and an agent force of 2,278,466 across India
- In the year 2018-19, the state of Maharashtra accounted for a majority share in New Business premiums at 31%
Excerpts
The Indian Life Insurance Industry has seen a more than sixteen (16) fold growth in life insurance premiums since the opening of the sector in Financial Year 2000-2001. From a base of INR 36,071 Crores (USD 5 Billion) in F.Y. 2000-01, it has grown at a Compound Annual Growth Rate (CAGR) of 15.6% p.a. to touch INR 572,910 Crores (USD 77 Billion) in F.Y. 2019-20.
Life Insurance Corporation of India (abbreviated as LIC) is an Indian state-owned insurance group and investment corporation owned 100% by the Government of India. It has been in existence since 1956 and has grown to be one of India's biggest financial powerhouses with assets worth more than INR 30,00,000 Crores (USD 403 Billion).
Download the Executive Summary for Life Insurance Industry in India below.
Data Sources
- Public Disclosure of Life Insurance Companies
- IRDAI Annual Reports
- RBI Handbook of Statistics Published Annually
LIC of INDIA IPO
The Government of India announced the intent to list LIC on the capital markets in the Annual Budget 2020.The LIC IPO augurs to be landmark event for the Insurance sector. There are many likely firsts that IPO would stand for. Some notable points include:
- The scale of the IPO would signify the largest fund raise by the Government of India from a single public sector unit
- While leading private sector life insurance companies have successfully raised funds via IPO, the valuation metrics that the LIC IPO would set would literally be the benchmark for the industry
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The product portfolio of LIC has rich contribution from long term traditional life insurance products. Additionally, LIC has the largest individual agency base in the world for sourcing insurance policies.
The valuation of LIC IPO would reflect the quality of the business apart from financial parameters. Therefore another set of benchmarks for the life insurance industry in particular, and other consumer focused financial industries, in general
As the processes involved in the LIC IPO move forward, watch our updates & analysis in this section. We are excited to bring the same to you!
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Only you are to access the Services and/or the Pentation Analytics Content using your username or password. If your license includes access to eBooks, during the time you have a valid license you may access your eBook on only one (1) web session if using the Pentation Analytics eReader (i.e., no concurrent uses allowed). If we have reason to believe you have shared your password information or access to your account or have used the Services in violation of the provisions herein, we may suspend or terminate your account and refuse any and all current or future use of the Services. You agree that you will not otherwise copy, transmit, rent, forward, lend, sell, or modify any materials from the Services and/or the Pentation Analytics Content or modify or remove any proprietary notices contained therein, or create or enable the creation of derivative works based thereon. You may not use any robot, spider, other automatic device or program or manual process to access, monitor, copy or reproduce the Services or the Pentation Analytics Content. You may not engage in systematic retrieval of content from the Services or the Pentation Analytics Content to create or compile, directly or indirectly, a collection, compilation, database or directory. You may not disseminate any portion of the Services or the Pentation Analytics Content through electronic means, including mail lists or electronic bulletin boards. You may not reverse engineer the Services, nor circumvent, disable, or otherwise interfere with any technical and/or other limitations, including without limitation security-related features. You acquire no right, title or interest in any Pentation Analytics content except for the limited access license granted to you, and Pentation Analytics reserves all rights in the Pentation Analytics Content.
6. COMMUNICATIONS TO PENTATION ANALYTICS.
Although we encourage you to e-mail us, you should not e-mail us anything that contains confidential information or personally identifiable information. Please refer to the Privacy Notice with regard to how we handle your personal information. By e-mailing us or otherwise providing content to us, or posting content to the Sites or the Services including but not limited to feedback, questions, comments, suggestions, and the like (collectively, "User Content"), you agree to be bound by our User Content Submission Agreement and we may use any non-personally identifiable ideas, concepts, know-how, or techniques contained in your communications for any purpose whatsoever, including but not limited to, the development, production and marketing of products and services that incorporate such information. You own the rights to anything you post to the Sites or the Services, including text and photographs. You do, however, grant us an irrevocable, non-exclusive, worldwide, perpetual, royalty-free license to use, modify, copy, distribute, publish, perform, sublicense, and create derivative works from all non-personally identifiable submissions you provide to us, in any media now known or hereafter devised.The Site or Services may permit you to upload third-party content for use with the Site or Services ("Service Uploads"). You represent and warrant that prior to providing any upload you will have all necessary rights to provide the Service Uploads, and that your Service Uploads will not infringe any third-party rights, including any intellectual property or proprietary rights. You grant Pentation Analytics the right to make your Service Uploads available to licensed end users in the same manner and to the same extent as the Pentation Analytics Content provided in the applicable Service. Additional terms and options for Service Uploads may be presented through the applicable upload interface available on the Site offering the Service which shall be in addition to, and not instead of, these Terms of Use.
7. COMMUNITY GUIDELINES
In using the Sites or Services, you agree you will not: (a) submit material that is unlawful, obscene, lewd, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, excessively violent, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate or objectionable; (b) post advertisements or solicitations of business; (c) impersonate another person; (d) submit material that is copyrighted, protected by trade secret or otherwise subject to third party intellectual property or proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant Pentation Analytics all of the license rights granted herein; (e) submit material that is unsuitable for minors in any country; or (f) submit material that is malicious or destructive in nature, or contain a virus or other computer programming routine or engine that is intended to damage or otherwise interfere with any system, data, or information. Pentation Analytics does not and cannot review all User Content or Service Uploads and is not in any manner responsible for such content. Pentation Analytics reserves the right, but has no obligation, to refuse to post, block or remove communications or materials for any reason in its sole discretion. Pentation Analytics may terminate your access to our Sites and/or the Services to prevent further posting or distribution of any communications or materials, and Pentation Analytics may, but is not obligated to, report any of your communications or materials to your educational institution.
8. NO WARRANTIES
We and our licensors and service providers make no warranties or representations about the contents of our sites, pentation analytics content or the services. We shall not be subject to liability for any delays or interruptions of our sites or the services from whatever cause. You agree that you use the sites, the pentation analytics content, and the services at your own risk. Our sites, pentation analytics content and the services may contain technical inaccuracies or typographical errors or omissions. Pentation analytics is not responsible for any such typographical or technical errors. Pentation analytics reserves the right to make changes, corrections, and/or improvements to our sites, pentation analytics content and the services at any time without notice.
9. EXTERNAL WEBSITES
Our Sites may contain links to third-party applications or websites ("External Websites"). These links are provided only as a convenience to you and not as an endorsement by us of the content on such External Websites. When you access an External Website, Pentation Analytics has no control over its content, applications, or services. We do not make any representations regarding the accuracy, quality, or accessibility of any External Website or its content or materials. Pentation Analytics disclaims all liability for any errors, omissions, violation of third-party rights or illegal conduct arising from such External Websites.
10. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless Pentation Analytics and our officers, directors, employees, successors, licensors, service providers, and assignees from and against any claims, actions, demands, liabilities, losses, damages, costs and expenses including, without limitation, reasonable legal and accounting fees, arising from or relating to your breach of this Agreement or your access to, use, or misuse of the Pentation Analytics Content, our Sites, or the Services. We shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit, or proceeding. We reserve the right to assume the exclusive defense and control of any matter that is subject to indemnification under this section. In such case, you agree to cooperate with any reasonable requests assisting our defense of such matter.
11. LIABILITY
In no event will pentation analytics or its licensors or service providers be liable for any consequential, incidental, special, indirect, punitive or exemplary damages of any kind, including but not limited to, lost time, lost money, lost data, lost profits or good will, whether in contract, tort, strict liability, negligence or otherwise, and whether or not such damages are foreseen or unforeseen with respect to any use of the pentation analytics content, sites, the services, or otherwise arising from or relating to these terms of use and in no event shall the liability of pentation analytics or its licensors for whatever cause exceed the fees paid by you in connection with your use of the pentation analytics content, the sites, or the services, even if advised of the possibility of such damages. To the extent the foregoing exclusion of liability is not permitted under applicable law, pentation analytics's liability in such case will be limited to the greatest extent permitted by law.
12. INFRINGEMENT NOTIFICATION
We respect the intellectual property rights of others, and require that the people who use our Sites do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please send notifications of the claimed infringement to: Legal Department, Pentation Analytics, 2 Penn Plaza, New York 10121. Notices of the claimed infringement should include the following information: (a) your address, telephone number, and email address; (b) a description of the copyrighted work that you claim has been infringed; (c) a description of where the alleged infringing material is located, with a link if possible; (d) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (e) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (f) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
13. COMPLIANCE WITH APPLICABLE LAWS
We control and operate our Sites from our offices in India. We do not represent that materials on our Sites are appropriate or available for use in other locations. Persons who choose to access our Sites from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. All parties to these terms and conditions waive their respective rights to a trial by jury.
14. TERMINATION OF THE AGREEMENT
We reserve the right in our sole discretion, to restrict, suspend, or terminate your use or access to any of the Services, Pentation Analytics Content, and/or our Sites and/or discontinue any portion, feature, or content of the Services, Pentation Analytics Content, our Sites, or this Agreement at any time and for any reason without prior notice or liability. If you violate these Terms of Use Pentation Analytics may, but is not obligated to, report any such violation of these Terms of Use to your educational institution. When reasonably feasible, we will make reasonable efforts to provide notice of significant changes to the Services to end users with active licenses to use the Services.
15. MISCELLANEOUS
If any provision of this Agreement is found to be invalid by any court having competent jurisdiction or terminated in accordance with the "Termination of the Agreement" provision above, the invalidity or termination of such provision shall not affect the validity of the following provisions of this Agreement, which shall remain in full force and effect: "Intellectual Property," "Communications to Pentation Analytics," "No Warranties," "Indemnification," "Liability," "Compliance With Applicable Laws," "Termination of the Agreement," and "Miscellaneous." Our failure to act on or enforce any provision of this Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against us unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. Except as expressly agreed by us and you in writing, this Agreement constitutes the entire Agreement between you and us with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. This Agreement will inure to the benefit of our successors, assigns, licensees, and sublicensees.
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During the course of using the Services, we may ask you to share certain personal information in order for us to provide you with the Services. Our Privacy Notice describes our policies around collecting, using, and maintaining the privacy of your personal information. You acknowledge and agree that between you and Pentation Analytics, only you are responsible for the accuracy and content of your personal information, and you agree to keep it up to date.In accordance with the Federal Children's Online Privacy Protection Act of 1998 (COPPA), we will never knowingly solicit, nor will we accept, personally identifiable information from users known to be under thirteen (13) years of age without the consent of their educational institution or the child's parent or guardian. If an educational institution with students that are under thirteen (13) years of age uses our Services, the educational institution may also provide us with personally identifiable information about its students. We use student information to provide the Services to the educational institution and its students, consistent with our Privacy Notice.
3. INTELLECTUAL PROPERTY
During the applicable term of your subscription for Services, subject to the payment of any fees in any applicable subscription agreement and subject to compliance with these Terms of Use and any other agreement governing your use of the Services, Pentation Analytics grants you a limited, non-exclusive and non-transferable license to access and use the Services over the Internet via the Site provided for the Services for your own internal use for educational purposes only. Pentation Analytics is the owner and/or authorized user of all trademarks, logos, service marks and trade names (collectively the "Trademarks") on our Sites and is the owner or licensee of the content and/or information on our Sites. Your use of our Sites does not grant to you a license to any content or materials you may access on our Sites, unless otherwise expressly provided in these Terms of Use or the Terms of Service. You may not use any Trademark displayed on our Sites without our prior written consent or prior written consent of the third-party that owns any other trademarks.
4. ACCESS TO PENTATION ANALYTICS CONTENT
We may provide you with access to content and information related to the Services (the "Pentation Analytics Content"). Your use of Pentation Analytics Content is subject to these Terms of Use as well as any additional terms you agree to in connection with such Pentation Analytics Content and/or posted on the Site for the Pentation Analytics Content, including, without limitation, any prohibitions on distribution of the Pentation Analytics Content to students or third parties. You are responsible for maintaining the confidentiality of your password and account and are fully responsible for all activities that occur under your password or account. You may not share or distribute to a third party any screen name or password for accessing the Services or the Pentation Analytics Content. You may access and use materials from the Services and/or the Pentation Analytics Content only for your own research or study.
5. RESTRICTIONS ON USE
Only you are to access the Services and/or the Pentation Analytics Content using your username or password. If your license includes access to eBooks, during the time you have a valid license you may access your eBook on only one (1) web session if using the Pentation Analytics eReader (i.e., no concurrent uses allowed). If we have reason to believe you have shared your password information or access to your account or have used the Services in violation of the provisions herein, we may suspend or terminate your account and refuse any and all current or future use of the Services. You agree that you will not otherwise copy, transmit, rent, forward, lend, sell, or modify any materials from the Services and/or the Pentation Analytics Content or modify or remove any proprietary notices contained therein, or create or enable the creation of derivative works based thereon. You may not use any robot, spider, other automatic device or program or manual process to access, monitor, copy or reproduce the Services or the Pentation Analytics Content. You may not engage in systematic retrieval of content from the Services or the Pentation Analytics Content to create or compile, directly or indirectly, a collection, compilation, database or directory. You may not disseminate any portion of the Services or the Pentation Analytics Content through electronic means, including mail lists or electronic bulletin boards. You may not reverse engineer the Services, nor circumvent, disable, or otherwise interfere with any technical and/or other limitations, including without limitation security-related features. You acquire no right, title or interest in any Pentation Analytics content except for the limited access license granted to you, and Pentation Analytics reserves all rights in the Pentation Analytics Content.
6. COMMUNICATIONS TO PENTATION ANALYTICS.
Although we encourage you to e-mail us, you should not e-mail us anything that contains confidential information or personally identifiable information. Please refer to the Privacy Notice with regard to how we handle your personal information. By e-mailing us or otherwise providing content to us, or posting content to the Sites or the Services including but not limited to feedback, questions, comments, suggestions, and the like (collectively, "User Content"), you agree to be bound by our User Content Submission Agreement and we may use any non-personally identifiable ideas, concepts, know-how, or techniques contained in your communications for any purpose whatsoever, including but not limited to, the development, production and marketing of products and services that incorporate such information. You own the rights to anything you post to the Sites or the Services, including text and photographs. You do, however, grant us an irrevocable, non-exclusive, worldwide, perpetual, royalty-free license to use, modify, copy, distribute, publish, perform, sublicense, and create derivative works from all non-personally identifiable submissions you provide to us, in any media now known or hereafter devised.The Site or Services may permit you to upload third-party content for use with the Site or Services ("Service Uploads"). You represent and warrant that prior to providing any upload you will have all necessary rights to provide the Service Uploads, and that your Service Uploads will not infringe any third-party rights, including any intellectual property or proprietary rights. You grant Pentation Analytics the right to make your Service Uploads available to licensed end users in the same manner and to the same extent as the Pentation Analytics Content provided in the applicable Service. Additional terms and options for Service Uploads may be presented through the applicable upload interface available on the Site offering the Service which shall be in addition to, and not instead of, these Terms of Use.
7. COMMUNITY GUIDELINES
In using the Sites or Services, you agree you will not: (a) submit material that is unlawful, obscene, lewd, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, excessively violent, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate or objectionable; (b) post advertisements or solicitations of business; (c) impersonate another person; (d) submit material that is copyrighted, protected by trade secret or otherwise subject to third party intellectual property or proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant Pentation Analytics all of the license rights granted herein; (e) submit material that is unsuitable for minors in any country; or (f) submit material that is malicious or destructive in nature, or contain a virus or other computer programming routine or engine that is intended to damage or otherwise interfere with any system, data, or information. Pentation Analytics does not and cannot review all User Content or Service Uploads and is not in any manner responsible for such content. Pentation Analytics reserves the right, but has no obligation, to refuse to post, block or remove communications or materials for any reason in its sole discretion. Pentation Analytics may terminate your access to our Sites and/or the Services to prevent further posting or distribution of any communications or materials, and Pentation Analytics may, but is not obligated to, report any of your communications or materials to your educational institution.
8. NO WARRANTIES
We and our licensors and service providers make no warranties or representations about the contents of our sites, pentation analytics content or the services. We shall not be subject to liability for any delays or interruptions of our sites or the services from whatever cause. You agree that you use the sites, the pentation analytics content, and the services at your own risk. Our sites, pentation analytics content and the services may contain technical inaccuracies or typographical errors or omissions. Pentation analytics is not responsible for any such typographical or technical errors. Pentation analytics reserves the right to make changes, corrections, and/or improvements to our sites, pentation analytics content and the services at any time without notice.
9. EXTERNAL WEBSITES
Our Sites may contain links to third-party applications or websites ("External Websites"). These links are provided only as a convenience to you and not as an endorsement by us of the content on such External Websites. When you access an External Website, Pentation Analytics has no control over its content, applications, or services. We do not make any representations regarding the accuracy, quality, or accessibility of any External Website or its content or materials. Pentation Analytics disclaims all liability for any errors, omissions, violation of third-party rights or illegal conduct arising from such External Websites.
10. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless Pentation Analytics and our officers, directors, employees, successors, licensors, service providers, and assignees from and against any claims, actions, demands, liabilities, losses, damages, costs and expenses including, without limitation, reasonable legal and accounting fees, arising from or relating to your breach of this Agreement or your access to, use, or misuse of the Pentation Analytics Content, our Sites, or the Services. We shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit, or proceeding. We reserve the right to assume the exclusive defense and control of any matter that is subject to indemnification under this section. In such case, you agree to cooperate with any reasonable requests assisting our defense of such matter.
11. LIABILITY
In no event will pentation analytics or its licensors or service providers be liable for any consequential, incidental, special, indirect, punitive or exemplary damages of any kind, including but not limited to, lost time, lost money, lost data, lost profits or good will, whether in contract, tort, strict liability, negligence or otherwise, and whether or not such damages are foreseen or unforeseen with respect to any use of the pentation analytics content, sites, the services, or otherwise arising from or relating to these terms of use and in no event shall the liability of pentation analytics or its licensors for whatever cause exceed the fees paid by you in connection with your use of the pentation analytics content, the sites, or the services, even if advised of the possibility of such damages. To the extent the foregoing exclusion of liability is not permitted under applicable law, pentation analytics's liability in such case will be limited to the greatest extent permitted by law.
12. INFRINGEMENT NOTIFICATION
We respect the intellectual property rights of others, and require that the people who use our Sites do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please send notifications of the claimed infringement to: Legal Department, Pentation Analytics, 2 Penn Plaza, New York 10121. Notices of the claimed infringement should include the following information: (a) your address, telephone number, and email address; (b) a description of the copyrighted work that you claim has been infringed; (c) a description of where the alleged infringing material is located, with a link if possible; (d) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (e) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (f) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
13. COMPLIANCE WITH APPLICABLE LAWS
We control and operate our Sites from our offices in India. We do not represent that materials on our Sites are appropriate or available for use in other locations. Persons who choose to access our Sites from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. All parties to these terms and conditions waive their respective rights to a trial by jury.
14. TERMINATION OF THE AGREEMENT
We reserve the right in our sole discretion, to restrict, suspend, or terminate your use or access to any of the Services, Pentation Analytics Content, and/or our Sites and/or discontinue any portion, feature, or content of the Services, Pentation Analytics Content, our Sites, or this Agreement at any time and for any reason without prior notice or liability. If you violate these Terms of Use Pentation Analytics may, but is not obligated to, report any such violation of these Terms of Use to your educational institution. When reasonably feasible, we will make reasonable efforts to provide notice of significant changes to the Services to end users with active licenses to use the Services.
15. MISCELLANEOUS
If any provision of this Agreement is found to be invalid by any court having competent jurisdiction or terminated in accordance with the "Termination of the Agreement" provision above, the invalidity or termination of such provision shall not affect the validity of the following provisions of this Agreement, which shall remain in full force and effect: "Intellectual Property," "Communications to Pentation Analytics," "No Warranties," "Indemnification," "Liability," "Compliance With Applicable Laws," "Termination of the Agreement," and "Miscellaneous." Our failure to act on or enforce any provision of this Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against us unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. Except as expressly agreed by us and you in writing, this Agreement constitutes the entire Agreement between you and us with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. This Agreement will inure to the benefit of our successors, assigns, licensees, and sublicensees.
PLEASE READ THESE CONSUMER PURCHASE TERMS CAREFULLY. SECTION 11 INCLUDES AN ARBITRATION PROVISION REQUIRING ARBITRATION OF CERTAIN DISPUTES INSTEAD OF LITIGATION IN COURT AND A WAIVER OF THE RIGHT TO
PARTICIPATE IN CLASS ACTIONS. IF YOUR COUNTRY OF RESIDENCE IS THE UNITED STATES, SECTION 11 APPLIES TO ALL DISPUTES WITH US. IF YOUR COUNTRY OF RESIDENCE IS OUTSIDE THE UNITED STATES, SECTION 11 APPLIES
TO ANY ACTION YOU BRING AGAINST US IN THE UNITED STATES.
Thank you for your interest in products and services provided by Pentation Analytics Ltd or one of our affiliated companies ("Pentation Analytics", "we", or "us"). Your acceptance of these consumer purchase terms and conditions, together with the Terms of Use, our Privacy Policy, and the Refund Policy, all of which are hereby incorporated by reference (collectively, the "Consumer Purchase Terms") as described below establishes a legal agreement between you and Pentation Analytics and apply to the purchase and sale of products and services made available by Pentation Analytics directly to individual and independent customers through this website, including products in physical or printed form (each a "Print Product") and products in digital form (each a "Digital Product") and including items provided free of charge (collectively, the "Products").
These Consumer Purchase Terms constitute the entire agreement between Pentation Analytics and you with respect to the purchase and use of Pentation Analytics Products. All references to "Services" in the Terms of Use and "services" in the Privacy Policy shall be deemed to include reference to Products (as such term is defined herein). The Terms of Use apply to all Product purchases. In the event of a conflict between these Consumer Purchase Terms and the Terms of Use, the terms of these Consumer Purchase Terms shall control.
By (i) clicking any available "I Agree" checkbox or purchase or submit button on the Product checkout page or (ii) registering your user account, you accept and agree to be bound by these Consumer Purchase Terms. By accepting these Consumer Purchase Terms, you affirm that you have reached the age of majority or legal age in your jurisdiction (generally 18 or older) and that you will comply with these Consumer Purchase Terms in connection with your purchase and use of the Products. >
1. MODIFICATIONS
We reserve the right to update and revise these Consumer Purchase Terms at any time. You will know if these Consumer Purchase Terms have been revised since your last visit to this website by referring to the "Last Updated" date at the top of this page; and we will endeavor to provide you with prior notice of any material changes by placing a notice on this website, communicating via email, or by some other means that are reasonably designed to inform you of the update. Your continued use of the Products after your receipt or the posting of notice of a change to these Consumer Purchase Terms will mean you accept and agree to be bound by the changes. You should review these Consumer Purchase Terms regularly for any changes.
2. ORDER ACCEPTANCE
You agree that your order is an offer to buy, under these Consumer Purchase Terms, all Products listed in your order. We will not be obligated to sell the Products unless and until we accept your order. We may choose not to accept any orders in our sole discretion, in which case you will not be sold such Product and these Consumer Purchase Terms will not apply. After receiving your order, we will send you a confirmation email with your order number and details of the Products you have ordered, which serves as our acceptance of your order ("Order Confirmation"). Acceptance of your order and the formation of the contract of sale between Pentation Analytics and you will not take place unless and until you have received your Order Confirmation.
3. PRICES AND PAYMENT TERMS
All prices posted on our websites are subject to change without advance notice. The price charged for a Product will be the price posted on our website at the time the order is placed and will be set out in your Order Confirmation. Price increases will only apply to orders placed after such changes. Posted prices do not include taxes or charges for shipping and handling. All such taxes and charges will be added to your total amount due and will be itemized and displayed when Products are placed in your shopping cart and in your Order Confirmation. We are not responsible for pricing, typographical, or other errors and we reserve the right to cancel any orders arising from such errors.
We currently use third parties to process payments. Our third-party payment processors ("Payment Processor") accept payments through various credit cards, including Visa, MasterCard, American Express, and Discover, as detailed on the applicable payment screen. You must provide current, complete, and accurate payment information in order to complete a purchase. You should immediately contact your card issuer, and promptly notify us and change your password as soon as possible if your payment information is canceled (e.g., for loss or theft) or if you become aware of a potential breach of security, such as if your username or password is lost or stolen or you believe there has been unauthorized disclosure or use of your account.
4. SHIPPING, DELIVERY, TITLE, AND RISK OF LOSS
We will arrange for shipment of the ordered and accepted Print Products to you through a third-party delivery service provider, and we will provide a shipment tracking number upon shipment of all or any part of your order. Shipping and delivery dates and times are estimates only and cannot be guaranteed, and we are not liable for any loss or damages caused by a delay in shipment. Print Product title and risk of loss pass to you upon the transfer of Print Products to the delivery service provider.
You are responsible for inspecting the package(s) upon delivery and must note any visible damage on the proof of delivery or other delivery receipt the carrier asks you to sign. Pentation Analytics is not responsible for any visible shipping damage not noted on the delivery receipt.
5. PRODUCT SUBSCRIPTIONS AND AUTO-RENEWALS
Pentation Analytics offers a variety of Products, including software and services such as ALEKS Independent Use, on a subscription basis subject to auto-renewal. This means that your subscription will automatically renew for a given term as communicated to you in the manner described below without any further action taken by you. Auto-renewal ensures continued access to your Product until you cancel your subscription, with no need to keep track of renewal dates. Subscription periods shall commence upon the date of your order of the applicable Product. We will automatically renew your subscription on the applicable renewal dates presented to you on the Product checkout page and set forth in your Order Confirmation, using the payment method you used to pay for the initial subscription, until you cancel your subscription. You must cancel your subscription before it automatically renews at the end of the then-current subscription period (or free trial if applicable) in order to avoid renewal charges. Your access is conditioned upon timely payment of the applicable subscription fee. You will not have access to the relevant subscription Product beyond your then-current paid period if your subscription is cancelled, allowed to lapse, or terminated for non-payment. YOU MAY BE SUBJECT TO TERMINATION FEES FOR CANCELLATION OF SUBSCRIPTIONS DURING THE TERM.
You may cancel your subscription for a Product by following the directions for cancellation in your Order Confirmation or by signing into your account for that Product, visiting your account information page, and following the instructions for cancellation or opt out for auto-renewal, or by contacting Contact Centre You may cancel a subscription at any time, but the cancellation will only become effective at the end of your current billing period (or free trial if applicable). If you cancel your subscription in the middle of a billing cycle, you will not receive a refund of any prepaid subscription fees, unless a specific Product offers a different policy. Cancellation will only take effect at the end of your current billing period (or free trial if applicable) and we will allow you to access the relevant subscription Product until your most recently paid-up subscription period ends, unless a specific subscription Product offers a different policy.
Please review your Order Confirmation for additional auto-renewal terms for your specific Product subscription, including renewal dates, cancellation methods, and any fees, such as early termination fees, that may apply in some circumstances for some subscriptions.
Thank you for your interest in products and services provided by Pentation Analytics Ltd or one of our affiliated companies ("Pentation Analytics", "we", or "us"). Your acceptance of these consumer purchase terms and conditions, together with the Terms of Use, our Privacy Policy, and the Refund Policy, all of which are hereby incorporated by reference (collectively, the "Consumer Purchase Terms") as described below establishes a legal agreement between you and Pentation Analytics and apply to the purchase and sale of products and services made available by Pentation Analytics directly to individual and independent customers through this website, including products in physical or printed form (each a "Print Product") and products in digital form (each a "Digital Product") and including items provided free of charge (collectively, the "Products").
These Consumer Purchase Terms constitute the entire agreement between Pentation Analytics and you with respect to the purchase and use of Pentation Analytics Products. All references to "Services" in the Terms of Use and "services" in the Privacy Policy shall be deemed to include reference to Products (as such term is defined herein). The Terms of Use apply to all Product purchases. In the event of a conflict between these Consumer Purchase Terms and the Terms of Use, the terms of these Consumer Purchase Terms shall control.
By (i) clicking any available "I Agree" checkbox or purchase or submit button on the Product checkout page or (ii) registering your user account, you accept and agree to be bound by these Consumer Purchase Terms. By accepting these Consumer Purchase Terms, you affirm that you have reached the age of majority or legal age in your jurisdiction (generally 18 or older) and that you will comply with these Consumer Purchase Terms in connection with your purchase and use of the Products. >
1. MODIFICATIONS
We reserve the right to update and revise these Consumer Purchase Terms at any time. You will know if these Consumer Purchase Terms have been revised since your last visit to this website by referring to the "Last Updated" date at the top of this page; and we will endeavor to provide you with prior notice of any material changes by placing a notice on this website, communicating via email, or by some other means that are reasonably designed to inform you of the update. Your continued use of the Products after your receipt or the posting of notice of a change to these Consumer Purchase Terms will mean you accept and agree to be bound by the changes. You should review these Consumer Purchase Terms regularly for any changes.
2. ORDER ACCEPTANCE
You agree that your order is an offer to buy, under these Consumer Purchase Terms, all Products listed in your order. We will not be obligated to sell the Products unless and until we accept your order. We may choose not to accept any orders in our sole discretion, in which case you will not be sold such Product and these Consumer Purchase Terms will not apply. After receiving your order, we will send you a confirmation email with your order number and details of the Products you have ordered, which serves as our acceptance of your order ("Order Confirmation"). Acceptance of your order and the formation of the contract of sale between Pentation Analytics and you will not take place unless and until you have received your Order Confirmation.
3. PRICES AND PAYMENT TERMS
All prices posted on our websites are subject to change without advance notice. The price charged for a Product will be the price posted on our website at the time the order is placed and will be set out in your Order Confirmation. Price increases will only apply to orders placed after such changes. Posted prices do not include taxes or charges for shipping and handling. All such taxes and charges will be added to your total amount due and will be itemized and displayed when Products are placed in your shopping cart and in your Order Confirmation. We are not responsible for pricing, typographical, or other errors and we reserve the right to cancel any orders arising from such errors.
We currently use third parties to process payments. Our third-party payment processors ("Payment Processor") accept payments through various credit cards, including Visa, MasterCard, American Express, and Discover, as detailed on the applicable payment screen. You must provide current, complete, and accurate payment information in order to complete a purchase. You should immediately contact your card issuer, and promptly notify us and change your password as soon as possible if your payment information is canceled (e.g., for loss or theft) or if you become aware of a potential breach of security, such as if your username or password is lost or stolen or you believe there has been unauthorized disclosure or use of your account.
4. SHIPPING, DELIVERY, TITLE, AND RISK OF LOSS
We will arrange for shipment of the ordered and accepted Print Products to you through a third-party delivery service provider, and we will provide a shipment tracking number upon shipment of all or any part of your order. Shipping and delivery dates and times are estimates only and cannot be guaranteed, and we are not liable for any loss or damages caused by a delay in shipment. Print Product title and risk of loss pass to you upon the transfer of Print Products to the delivery service provider.
You are responsible for inspecting the package(s) upon delivery and must note any visible damage on the proof of delivery or other delivery receipt the carrier asks you to sign. Pentation Analytics is not responsible for any visible shipping damage not noted on the delivery receipt.
5. PRODUCT SUBSCRIPTIONS AND AUTO-RENEWALS
Pentation Analytics offers a variety of Products, including software and services such as ALEKS Independent Use, on a subscription basis subject to auto-renewal. This means that your subscription will automatically renew for a given term as communicated to you in the manner described below without any further action taken by you. Auto-renewal ensures continued access to your Product until you cancel your subscription, with no need to keep track of renewal dates. Subscription periods shall commence upon the date of your order of the applicable Product. We will automatically renew your subscription on the applicable renewal dates presented to you on the Product checkout page and set forth in your Order Confirmation, using the payment method you used to pay for the initial subscription, until you cancel your subscription. You must cancel your subscription before it automatically renews at the end of the then-current subscription period (or free trial if applicable) in order to avoid renewal charges. Your access is conditioned upon timely payment of the applicable subscription fee. You will not have access to the relevant subscription Product beyond your then-current paid period if your subscription is cancelled, allowed to lapse, or terminated for non-payment. YOU MAY BE SUBJECT TO TERMINATION FEES FOR CANCELLATION OF SUBSCRIPTIONS DURING THE TERM.
You may cancel your subscription for a Product by following the directions for cancellation in your Order Confirmation or by signing into your account for that Product, visiting your account information page, and following the instructions for cancellation or opt out for auto-renewal, or by contacting Contact Centre You may cancel a subscription at any time, but the cancellation will only become effective at the end of your current billing period (or free trial if applicable). If you cancel your subscription in the middle of a billing cycle, you will not receive a refund of any prepaid subscription fees, unless a specific Product offers a different policy. Cancellation will only take effect at the end of your current billing period (or free trial if applicable) and we will allow you to access the relevant subscription Product until your most recently paid-up subscription period ends, unless a specific subscription Product offers a different policy.
Please review your Order Confirmation for additional auto-renewal terms for your specific Product subscription, including renewal dates, cancellation methods, and any fees, such as early termination fees, that may apply in some circumstances for some subscriptions.
1. MODIFICATIONS
We reserve the right to update and revise these Consumer Purchase Terms at any time. You will know if these Consumer Purchase Terms have been revised since your last visit to this website by referring to the "Last Updated" date at the top of this page; and we will endeavor to provide you with prior notice of any material changes by placing a notice on this website, communicating via email, or by some other means that are reasonably designed to inform you of the update. Your continued use of the Products after your receipt or the posting of notice of a change to these Consumer Purchase Terms will mean you accept and agree to be bound by the changes. You should review these Consumer Purchase Terms regularly for any changes.
2. ORDER ACCEPTANCE
You agree that your order is an offer to buy, under these Consumer Purchase Terms, all Products listed in your order. We will not be obligated to sell the Products unless and until we accept your order. We may choose not to accept any orders in our sole discretion, in which case you will not be sold such Product and these Consumer Purchase Terms will not apply. After receiving your order, we will send you a confirmation email with your order number and details of the Products you have ordered, which serves as our acceptance of your order ("Order Confirmation"). Acceptance of your order and the formation of the contract of sale between Pentation Analytics and you will not take place unless and until you have received your Order Confirmation.
3. PRICES AND PAYMENT TERMS
All prices posted on our websites are subject to change without advance notice. The price charged for a Product will be the price posted on our website at the time the order is placed and will be set out in your Order Confirmation. Price increases will only apply to orders placed after such changes. Posted prices do not include taxes or charges for shipping and handling. All such taxes and charges will be added to your total amount due and will be itemized and displayed when Products are placed in your shopping cart and in your Order Confirmation. We are not responsible for pricing, typographical, or other errors and we reserve the right to cancel any orders arising from such errors.
We currently use third parties to process payments. Our third-party payment processors ("Payment Processor") accept payments through various credit cards, including Visa, MasterCard, American Express, and Discover, as detailed on the applicable payment screen. You must provide current, complete, and accurate payment information in order to complete a purchase. You should immediately contact your card issuer, and promptly notify us and change your password as soon as possible if your payment information is canceled (e.g., for loss or theft) or if you become aware of a potential breach of security, such as if your username or password is lost or stolen or you believe there has been unauthorized disclosure or use of your account.
4. SHIPPING, DELIVERY, TITLE, AND RISK OF LOSS
We will arrange for shipment of the ordered and accepted Print Products to you through a third-party delivery service provider, and we will provide a shipment tracking number upon shipment of all or any part of your order. Shipping and delivery dates and times are estimates only and cannot be guaranteed, and we are not liable for any loss or damages caused by a delay in shipment. Print Product title and risk of loss pass to you upon the transfer of Print Products to the delivery service provider.
You are responsible for inspecting the package(s) upon delivery and must note any visible damage on the proof of delivery or other delivery receipt the carrier asks you to sign. Pentation Analytics is not responsible for any visible shipping damage not noted on the delivery receipt.
5. PRODUCT SUBSCRIPTIONS AND AUTO-RENEWALS
Pentation Analytics offers a variety of Products, including software and services such as ALEKS Independent Use, on a subscription basis subject to auto-renewal. This means that your subscription will automatically renew for a given term as communicated to you in the manner described below without any further action taken by you. Auto-renewal ensures continued access to your Product until you cancel your subscription, with no need to keep track of renewal dates. Subscription periods shall commence upon the date of your order of the applicable Product. We will automatically renew your subscription on the applicable renewal dates presented to you on the Product checkout page and set forth in your Order Confirmation, using the payment method you used to pay for the initial subscription, until you cancel your subscription. You must cancel your subscription before it automatically renews at the end of the then-current subscription period (or free trial if applicable) in order to avoid renewal charges. Your access is conditioned upon timely payment of the applicable subscription fee. You will not have access to the relevant subscription Product beyond your then-current paid period if your subscription is cancelled, allowed to lapse, or terminated for non-payment. YOU MAY BE SUBJECT TO TERMINATION FEES FOR CANCELLATION OF SUBSCRIPTIONS DURING THE TERM.
You may cancel your subscription for a Product by following the directions for cancellation in your Order Confirmation or by signing into your account for that Product, visiting your account information page, and following the instructions for cancellation or opt out for auto-renewal, or by contacting Contact Centre You may cancel a subscription at any time, but the cancellation will only become effective at the end of your current billing period (or free trial if applicable). If you cancel your subscription in the middle of a billing cycle, you will not receive a refund of any prepaid subscription fees, unless a specific Product offers a different policy. Cancellation will only take effect at the end of your current billing period (or free trial if applicable) and we will allow you to access the relevant subscription Product until your most recently paid-up subscription period ends, unless a specific subscription Product offers a different policy.
Please review your Order Confirmation for additional auto-renewal terms for your specific Product subscription, including renewal dates, cancellation methods, and any fees, such as early termination fees, that may apply in some circumstances for some subscriptions.
6. RETURNS AND REFUNDS
No refunds are available from Pentation Analytics. Please refer to our Refund Policy for further details.
7. PROMOTIONS AND DISCOUNTS
From time to time, Pentation Analytics may offer certain promotions or discounts that may be redeemed in a purchase for Products, subject to certain exclusions or other restrictions as may be determined and communicated by Pentation Analytics in its sole discretion. Only valid offer codes provided by Pentation Analytics will be honored at checkout. Codes supplied or promoted by third parties unauthorized by Pentation Analytics (including any unauthorized third-party websites) will not be considered valid. Each valid offer code is non-transferable and valid for single use on a Product as determined by Pentation Analytics. Offer codes may not be combined, and you are limited to the use of a single offer code per order. Pentation Analytics is not responsible for lost, stolen or corrupted codes or any unauthorized use of codes. Pentation Analytics is not responsible for pricing, typographical, or other errors in any offers and reserves the right to cancel any orders arising from such errors. Offer codes cannot be redeemed for cash or any cash equivalent. The dollar value of any offer code will not be refunded or credited back if any or all of the Products are returned. Expiration dates may apply to each offer code. Offer codes are void if copied, transferred, sold, exchanged, or expired, and where otherwise prohibited. Promotions may include introductory free trial subscriptions that automatically renew as paid subscriptions at the end of the relevant free trial period, as indicated on the Product checkout page and/or Order Confirmation. Please be sure to review all terms posted on the Product checkout page and/or provided in an Order Confirmation, including renewal dates, cancellation methods, and any fees that may apply.
8. NOT FOR RESALE OR EXPORT
You agree that your Product purchase is for your own use, not for resale, export, re-export, or transfer. Your purchase is subject to, and you are responsible for, compliance with the export control and economic sanctions laws of the United States and other applicable jurisdictions ("Export Laws"). Your purchase may not be sold, leased, or transferred to restricted countries, restricted end users, or for restricted end uses according to the Export Laws.
9. THIRD-PARTY SERVICES
The Products may contain links or connections to third-party websites, services, or other technology provided by third parties that are not owned or controlled by us ("Third-Party Services"). When you access Third-Party Services, you accept that there are risks in doing so, and that we are not responsible for such risks. A Third-Party Service may include or be accompanied by a separate service, license, privacy policy, or other agreement ("Third-Party Agreement"), in which case that Third-Party Service is provided solely under the terms of that separate Third-Party Agreement. The applicable supplier of any Third-Party Service is an intended third-party beneficiary of these Consumer Purchase Terms and may enforce such terms directly against you with respect to such Third-Party Services. By using Third-Party Services, you release and hold us harmless from any and all liability arising from your use of any such Third-Party Service. If there is a dispute between users, or between users and any third party in relation to a Third-Party Service, we are under no obligation to become involved.
10. INTELLECTUAL PROPERTY
We or our licensors own and retain all right, title, and interest in and to the Products, including all associated trademarks, copyrights, trade secrets, and other intellectual property rights. Nothing in these Consumer Purchase Terms transfers any such rights, title, or interest to you, and we reserve all rights not expressly granted to you. For clarity, the license restrictions in Section 3 of the Terms of Use shall apply to Digital Products.
During the time you have a valid license to access a Pentation Analytics eBook, you may access your eBook on only one (1) web session if using the Pentation Analytics browser reader application(i.e., no concurrent users allowed). The number of concurrent login sessions per licensed account for a Product may change from time to time in our sole discretion.
11. DISPUTE RESOLUTION, BINDING ARBITRATION, AND CLASS ACTION WAIVER
GOVERNING LAW.These Consumer Purchase Terms and the relationship between you and Pentation Analytics will be governed by the laws of the State of Maharashtra, India without regard to its conflict of law provisions.In case of any dispute which is not resolved by mutual discussion, the same will be referred to Arbitration as per the provisions of the Arbitration and Conciliation Act, 1996, read along with the Arbitration and Conciliation (Amendment) Act, 2015 as in force.
The Courts at Mumbai will have jurisdiction over this agreement.
12. FORCE MAJEURE
We will not be liable or responsible to you, nor be deemed to have defaulted or breached these Consumer Purchase Terms, for any failure or delay in our performance (including a delay in shipment or delivery of Products to you) under these Consumer Purchase Terms when and to the extent such failure or delay is caused by or results from acts or circumstances beyond our reasonable control, including, without limitation, acts of God, flood, fire, earthquake, explosion, governmental actions, war, invasion or hostilities (whether war is declared or not), terrorist threats or acts, riot or other civil unrest, national emergency, revolution, insurrection, epidemic, pandemic, quarantines, lockdowns, lockouts, strikes or other labor disputes (whether or not relating to our workforce), restraints or delays affecting carriers, inability or delay in obtaining supplies of adequate or suitable materials, or telecommunication breakdown or power outage.
Pentation Analytics Pvt Ltd
Third floor, Nucleus House,
Saki Vihar Road, Andheri East,
Mumbai - 400072
www.pentationanalytics.com
Contact:
https://www.pentationanalytics.com/contact-us
Privacy:
https://www.pentationanalytics.com/privacy-policy
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