The terms governing your use of indicosmic.com and our client portals.
These Terms of Service ("Terms") shall be effective as of August 18, 2026 (the "Effective Date") and constitute a legally binding agreement between Indicosmic Infotech Ltd. ("Indicosmic", "Company", "We", "Us", or "Our") and any corporate entity, insurance intermediary, channel partner, or individual accessing, browsing, or utilizing the website indicosmic.com, institutional client portals, training interfaces, or proprietary software applications (collectively, the "Platform" or "Services").
By accessing the Platform, logging into secure client areas, enrolling in training modules, or requesting technical demonstrations, you explicitly agree to be bound by these Terms. If you are executing these Terms on behalf of an enterprise, original equipment manufacturer (OEM), insurance broker, or corporate entity, you represent and warrant that you hold the requisite statutory and corporate authority to bind such an institution. If you do not agree to these terms, you must immediately cease all access to the Platform and its underlying software modules.
Indicosmic operates as a dedicated Business-to-Business (B2B) specialized technology infrastructure provider, engineering core digital layers for the insurance, logistics, and automotive industries. Our technology suites include:
Roadside Assistance (RSA) Solutions: Cloud-native software-as-a-service (SaaS) environments built for managing automated roadside assistance dispatch pipelines, real-time geolocation tracking, network coordination, and end-to-end service fulfillment for motor insurers and OEM clients.
RSA Claims Management Systems: Advanced digital platforms engineered to streamline motor claims documentation, facilitate faster field resolution, optimize field validation workflows, and mathematically reduce financial leakage for motor insurance underwriters.
POSP / MISP Training Frameworks: Digital learning management systems (LMS) hosting mandatory, comprehensive training, evaluation, and certification programs for Point of Sales Persons (POSP) and Motor Insurance Service Providers (MISP).
Custom Enterprise Development: Targeted digital transformation advisory, bespoke application programming interface (API) design, and custom software deployment tailored specifically for automotive dealer networks and insurance distribution ecosystems.
1.2 Overriding Master Agreements
The Platform serves primarily as an informational hub, lead generation portal, and interface for prospective or current clients. These Terms govern public and preliminary access to the Platform.
The actual provisioning, deployment, service level agreements (SLAs), pricing, uptime guarantees, and detailed operational deployment of any enterprise SaaS product or consulting project are strictly governed by standalone Master Service Agreements (MSAs), Software-as-a-Service (SaaS) Agreements, or Statements of Work (SOWs) executed independently in writing between Indicosmic and the respective corporate client. These Terms do not supersede or modify any executed commercial MSA or SOW.
Users are granted a non-exclusive, non-transferable, revocable, limited license to access the Platform solely for lawful, professional, and informational purposes. You may utilize the site to review product documentation, read published white papers or case studies, request product demonstrations, and communicate with the Indicosmic corporate development team.
Users are strictly prohibited from engaging in the following actions:
Indicosmic’s digital training modules are structurally designed and curated in strict alignment with the guidelines and regulations issued by the Insurance Regulatory and Development Authority of India (IRDAI) concerning Point of Sales Persons (POSP) and Motor Insurance Service Providers (MISP).
Certain segregated areas of the Platform (the "Investors" section) contain corporate financial data, balance sheets, governance structures, board information, and initial public offering (IPO) documentation. This data is published strictly to ensure regulatory compliance with the Companies Act, 2013, and the rules and listing mandates implemented by the Securities and Exchange Board of India (SEBI).
No material, financial projection, or statutory report published within the investor portals constitutes formal investment advice, a financial recommendation, or an open solicitation to buy, sell, or hold securities of Indicosmic Infotech Ltd. Prospective investors are strongly urged to seek independent advice from SEBI-registered financial planners and investment advisors before executing capital market decisions.
The Platform, its entire contents, features, and functionalities—including but not limited to text, graphics, user interfaces, visual design systems, logos, corporate branding, product descriptions, software mock-ups, proprietary methodologies, research papers, case studies, source code, data arrangements, and audio/video materials—are the exclusive intellectual property of Indicosmic Metadata Private Limited or its designated licensors. These assets are rigorously protected under the Indian Copyright Act, 1957, the Trade Marks Act, 1999, and applicable international intellectual property treaties.
No portion of the Platform’s proprietary content may be copied, reproduced, republished, modified, reverse-engineered, uploaded, posted, publicly displayed, transmitted, or distributed in any manner whatsoever to any third-party server, platform, or media network without the prior, express written consent of an authorized officer of Indicosmic.
All product names, brand designations, and logos associated with Indicosmic’s proprietary modules (including but not limited to references to proprietary CRM, claim intelligence, or automated field modules) are proprietary marks. Unauthorized use of these trademarks in connection with any product or service that is likely to cause confusion, or in any manner that disparages or discredits Indicosmic, is strictly prohibited and legally actionable.
Indicosmic frequently engages with prospective enterprise clients through product demonstrations, proofs of concept (PoCs), Request for Proposals (RFPs), and technical scoping sessions. Any commercial, technical, operational, financial, or strategic data disclosed by either party during such pre-contractual phases shall be deemed "Confidential Information."
Indicosmic covenants and agrees to maintain strict confidentiality regarding all client-specific data or internal metrics shared with Us during these discovery sessions. We shall not disclose, sell, leak, or distribute such information to any third party, except:
To our internal employees, sub-contractors, or technical experts who have a bona fide "need-to-know" for evaluating the commercial engagement and who are bound by non-disclosure obligations no less restrictive than those contained herein.
As mandated by an order of a court of competent jurisdiction, regulatory authority, or statutory body, provided that Indicosmic offers prompt written notice to the affected prospective client (to the extent legally permissible) to enable them to seek protective relief.
Your access to the Platform and the submission of any personally identifiable data or corporate metadata are simultaneously governed by the Indicosmic Privacy Policy. The Privacy Policy is fully integrated into these Terms by reference.
Indicosmic handles personal data and corporate user credentials in strict accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (SPDI), and the Digital Personal Data Protection Act, 2023 (DPDP Act) along with any subsequent active DPDP Rules, 2025.
The Platform may contain links or redirect gateways to external websites, portals, or cloud applications operated by third parties, channel partners, or system integrators. These hyperlinks are provided purely for convenience and contextual illustration. Indicosmic exercises no administrative or editorial control over the content, security architectures, operational uptime, or data privacy practices of external platforms. Accessing third-party links is done entirely at your own commercial and technical risk.
Indicosmic’s digital infrastructure is designed to interface and natively integrate with third-party external applications, including legacy insurance core architectures, original equipment manufacturer (OEM) automotive databases, public registry frameworks, and external telematics providers.
You agree to indemnify, defend, and hold harmless Indicosmic Metadata Private Limited, its board of directors, officers, employees, technical consultants, affiliates, and lawful agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees and administrative costs) arising directly or indirectly from:
Your material breach of any provision contained within these Terms.
Your unauthorized or illegal use of the Platform, proprietary software mock-ups, or materials.
Your infringement of any intellectual property rights, privacy rights, or proprietary trade secrets belonging to Indicosmic or its third-party licensors.
Your non-compliance with applicable statutory or regulatory mandates connected to your operational utilization of data pulled or viewed via the Platform.
These Terms, their construction, validity, performance, and any non-contractual obligations or disputes arising out of or in connection with them shall be governed exclusively by, and construed strictly in accordance with, the substantive laws of the Republic of India, without giving effect to any principles of conflicts of law. The parties explicitly agree that any legal action, suit, or judicial proceeding instituted to resolve matters arising out of these Terms or use of the Platform shall be subject to the exclusive jurisdiction of the competent courts located in Mumbai, Maharashtra, India.
If any provision or clause of these Terms is determined by a court of competent jurisdiction or statutory authority to be invalid, illegal, or legally unenforceable, such determination shall not affect the validity or enforceability of the remaining provisions. The invalid clause shall be deemed modified to the minimum extent necessary to make it valid and enforceable while preserving its original commercial and protective intent.
Indicosmic shall not be held liable, penalized, or deemed in breach of these Terms for any delay, performance failure, data latency, or interruption resulting directly or indirectly from acts of God, civil unrest, acts of terrorism, war, strikes, cyber-attacks of extraordinary scale, nationwide telecommunication or power grid failures, government embargoes, or modifications to statutory law.
Indicosmic reserves the right to review, update, and modify these Terms at any time to reflect technological developments, operational alterations, or shifts in statutory frameworks. Any such modifications shall become legally binding immediately upon being posted onto the Platform. The date of the latest iteration will be prominently updated in the "Effective Date" field. Your continued use of the Platform after such updates are published constitutes explicit acceptance of the revised Terms.
Questions about these Terms? Contact us at legal@indicosmic.com.