Most Important Terms & Conditions (MITC) for your CPP LivCare Lite Membership (purchased and financed through Bajaj Finance Limited (‘BFL’) Table 1 (As Annexure 1 – Benefit Summary)
The Most Important Terms and Conditions (MITC) of your membership are listed below. Please refer to the Main Terms and Conditions which set out the terms of your Agreement with CPP

General

• The CPP LivCare Lite Service is provided by CPP Assistance Services Private Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana, India (CPP) in conjunction with its third party suppliers/service providers.
  
• You must provide us (and BFL) with full and accurate information in connection with your CPP LivCare Lite Membership and Services. In case you provide false or materially incomplete information or commit a material breach of the main terms & conditions of the membership, we may cancel your membership
  
• Advance payment of the Fees is the essence of the commencement) of the Membership and the Services to be provided to You under the Agreement. You must pay the Fee to Us in advance or repay BFL the full amount paid by BFL to CPP on your behalf for purchase of Your CPP LivCare Lite Membership. CPP shall have the right to cancel Your membership without any notice to You if you fail to pay in advance or repay BFL any amount paid by BFL towards your CPP LivCare Lite Membership.
  
• The Term Life Insurance Cover with Critical Illness rider is provided as an add- on complementary benefit under the Group Insurance Policy taken by CPP for its customers from an Indian insurance company registered with IRDAI (Insurer). Please refer to the Group Insurance Policy Terms and Conditions for more details sent to You separately by the Insurer. Your enrolment into the group term life insurance plan is subject to your health declaration in the form and underwriting parameters of the insurer.
  
• Any change or new addition to your membership and services shall be intimated to you at least 45 days in advance and such changes shall become applicable from the date of intimation. However, it is clarified that the services offered by AWP IN, Gaana Plus, ZEE5 where CPP is acting as facilitator, may be added, modified, replaced or removed during the Period of Agreement without this advance notice period of forty-five (45) days.
  
• CPP reserves the right to revise the Membership Fee at any point of time but it will not change for your membership until the Period of Agreement.
  
• On cancellation you (or BFL if BFL has made the payment of Membership Fees to CPP on Your behalf) will be refunded the membership fee as per the following refund grid Within thirty (30) days of Your Start Date: 100% Refund After thirty (30) days: Nil
  
• The terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India.
  
• You can contact us through the following media in case you have any queries about these terms and conditions of your membership, E-mail: feedback@cppindia.com, Telephone: 1860-419-4010 (lines open 11am to 9pm, seven (7) days a week)

Service Related

• You must report lost or stolen cards to us by telephone within twenty-four (24) hours of discovering loss of cards. We will then contact on Your behalf to Your Card Issuer to get Your Cards blocked.
  
• In case you have not shared the details of a particular card with us and request the same to be blocked, CPP will attempt to get that card blocked with Your Card Issuer with the help of other details provided by you on a best effort basis.
  
• To provide You with health related services as set out in sections A1, We have contracted with AWP IN, who is Our third party supplier/service provider and will facilitate provision of these services. Services under section A1 are owned and/or facilitated by AWP IN and AWP IN will be responsible and liable for any claims arising from the use of it by You.
  
• CPP’s role here shall be limited to that of a mere facilitator, and CPP shall not in any manner be liable to the customers for any loss, damage, or compensation in relation to or arising from the use of AWP IN’s products & services.
  
• Note that some of the services under section A1 may not be available on Sundays and National Holidays, You will need to contact AWP IN’s helpdesk at 18004190660 to confirm.
  
• To offer these services, AWP IN may have to collect personal information and your identifiable health information including physical, physiological and mental health condition, and medical records and history as part of AWP IN’s virtual health services. The use of your sensitive personal information which includes your health information will be governed AWP IN’s Privacy Policy which you confirm you have read and understood on AWP IN’s website https://www.allianz-partners.com/en_IN/privacy-statement.html.
  
• You expressly and without limitation, agree for CPP, AWP IN and third party service providers to record phone calls and or any medical or identity records submitted by you on the helpline numbers set out in the Terms in order for Us or AWP IN to inter alia (i) provide a record of the instructions received from You and to share the same with the third party service providers, if required, (ii) allow itself or its service providers to monitor quality standards, (iii) training purposes, and (iv) meet legal and regulatory requirements.
  
• It is hereby declared that neither CPP nor AWP IN is not a merchant, manufacturer, or provider of medical services, save for the provision of virtual health (“tele/video consultation”) services. We or AWP IN makes no express or implied representations or warranties about the description, quality, fitness for any particular purpose, productiveness, or any other matter in relation to Services and disclaims any implied warranties, including, but not limited to, warranties or implied warranties of merchantability or fitness for a particular purpose or use or non-infringement. In addition to this CPP or AWP IN also does not authorize anyone to make any warranty on Our or AWP IN’s behalf.
  
• SERVICES UNDER SECTION A1 ARE NOT HEALTH INSURANCE POLICIES. These are Health related Services provisioned by Our third party service provider at certain locations and access to virtual health services.
  
• All Services offered under this membership are provided on “As Is” and “As Available” basis and may be subject to certain limitations. Consequently in no event shall CPP or its third party service providers be liable to you or any third party for any indirect, consequential, exemplary, incidental, special, or punitive damages, including lost business/revenue/ profit/goodwill or damages arising from your use or unavailability of these Services and/ or any other the services offered to you by Us or our third party service providers in any manner whether or not We or our third party service providers have been warned of the possibility of such damages or could have reasonably foreseen such damages.
  
• The consultation provided to you by medical practitioners through this Service are not intended to replace your relationship with your primary care physician and you should continue to consult with your primary care physician and other health care professionals as needed / recommended. You should seek emergency help or follow-up care when recommended by a medical practitioner or when you are of the opinion that such help or care is prudent in your sole opinion.
  
• CPP reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in, any component of, or term relating to, the Services offered under this membership or any voucher issued to you by CPP or its third party service providers and update information from time to time.
  
• You will be provided with Gaana Plus subscription pack offered by Gaana which will enable You to listen & download music on the Gaana Application. This subscription is issued and governed by the terms & conditions of Gaana, as may be amended from time to time. For detailed terms & conditions, please visit https://gaana.com/terms.html. Our role in relation to Gaana Plus subscription shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from its use. For other terms and conditions relating to this Service, please refer to Section A3 of the Main Terms & Conditions.
  
• You will be provided with ZEE5 All Access Annual Subscription pack offered by ZEE which will enable you to watch ZEE’s Live TV channels, exclusive originals, blockbuster movies, TV Shows, Music and much more. This subscription is issued and governed by the terms & conditions of ZEE5, as may be amended from time to time. For detailed terms & conditions, please visit https://www.ZEE5.com/termsofuse. Our role in relation to ZEE5 shall be limited to that of a mere facilitator, and We shall not in any manner be liable to you for any loss, damage or compensation in relation to or arising from its use. For other terms and conditions relating to this Service, please refer to Section A4 of the Main Terms & Conditions.
  
• Note that the service set out in Section A1, A3, A4 this Agreement will not be available Abroad and available only within India.
  
• You hereby expressly accord your consent allowing CPP to collect all the required data/ information including any sensitive personal data or information from you to service you and to transfer/utilize your personal information with our approved suppliers/service providers including our group companies for the purpose of sending correspondence to you and providing some of the features of the membership to you. Please refer to detailed Data Protection Notice in the Main Terms & Conditions.

Agreement and Terms & Conditions for Your CPP LivCare Lite Membership (Purchased and Financed through BFL)
Please read this document carefully and keep it in a safe place
Table 1 (As Annexure 1 – Benefit Summary)

Please read this document carefully. It sets out terms and conditions of Your Agreement with CPP Assistance Services Private Limited (CPP) for the LivCare Lite Service.

Please refer to the Benefits Summary for the benefits as applicable to You for the CPP LivCare Lite Membership Variant purchased by You.
Definitions
Where the following words are used in these terms and conditions, they will have the meanings shown below:
Abroad – In a country other than India.
Agreement – These terms and conditions of the CPP LivCare Lite Service product and any changes thereto.
AWP IN - AWP Assistance (India) Private Limited
BFL – Bajaj Finance Limited, whose corporate office is at 4th Floor, Bajaj Finserv Corporate Office, Off Pune Ahmednagar Road, Viman Nagar, Pune – 411014, Maharashtra (and from whom You have financed Your CPP LiveCare Lite Membership).
Card – Your credit, debit, prepaid, cash and other similar cards.
Card Loss – Loss by You or theft from You of a Card.
CPP - CPP Assistance Services Private Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, – 42, Gurgaon – 122002, Haryana India and registered office is at A-370, 2nd Floor, Kalkaji, New Delhi – 110019.
Fee – Means the total amount as mentioned in the Table 1 (Annexure 1), inclusive of all applicable taxes, that You pay towards Your Membership which is shown in Your Welcome Pack or as agreed with You from time to time. CPP reserves the right to revise its Fee at any point of time.
Gaana - Gamma Gaana Limited
Home – The place where You permanently reside; which You have given us as Your address while registering for the Membership.
Issuer – The issuers of the Cards.
Member | Customer – The person who has purchased and is entitled to use the Service whose name appears in the Welcome Pack.
Membership – Your right to use the Service for each year for which You pay the Fee as per the Agreement.
Period of Agreement – Period as mentioned in Table 1 (Annexure 1) from the Start Date.
Service – Shall have the meaning given to it in paragraph A below.
Start Date – The date on which the Membership commences as set out in Your Welcome Pack which We send to You.
We, us, our – CPP.
Welcome Pack - means the pack We send to You electronically when You have purchased the Membership for the Services containing these terms and conditions and other information relevant to the Service.
Year – A period of twelve (12) consecutive months. You,
Your – The Member.
ZEE – ZEE Entertainment Enterprises Limited
ZEE5 – Online streaming services of various contents offered by ZEE CPP LivCare Lite Membership Service is provided by CPP Assistance Services Private Limited, whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon - 122002, Haryana, India in conjunction with its third party suppliers/service providers. Should You have any queries about these terms and conditions or Your Membership, You can contact us by email at feedback@cppindia.com or by telephoning us on 1860-419-4010 (lines open 11am to 9pm, seven (7) days a week). You can also write to us at the following address:
CPP Assistance Services (Pvt) Ltd
P O Box No 826, Kalkaji Post Office, New Delhi - 110019

CPP LivCare Lite

A: Assistance Services – What is provided?
To provide You with health related services as set out in sections A1 below, We have contracted with AWP IN, who is Our third party supplier/service provider and will facilitate provision of these services. Services under section A1 are owned and/or facilitated by AWP IN and AWP IN will be responsible and liable for any claims arising from the use of it by You.

Following are some key Terms and Conditions for the Services offered under section A1

• You must be at least 18 years of age to utilize this service.
• CPP’s role here shall be limited to that of a mere facilitator, and CPP shall not in any manner be liable to the customers for any loss, damage, or compensation in relation to or arising from the use of AWP IN’s products & services.
• Note that some of the services under section A1 may not be available on Sundays and National Holidays, You will need to contact AWP IN’s helpdesk at 18004190660 to confirm.
• To offer these services, AWP IN may have to collect personal information and your identifiable health information including physical, physiological and mental health condition, and medical records and history as part of AWP IN’s virtual health services. The use of your sensitive personal information which includes your health information will be governed AWP IN’s Privacy Policy which you confirm you have read and understood on AWP IN’s website https://www.allianz-partners.com/en_IN/privacy-statement.html.
• You expressly and without limitation, agree for CPP, AWP IN and third party service providers to record phone calls and or any medical or identity records submitted by you on the helpline numbers set out in the Terms in order for Us or AWP IN to inter alia (i) provide a record of the instructions received from You and to share the same with the third party service providers, if required, (ii) allow itself or its service providers to monitor quality standards, (iii) training purposes, and (iv) meet legal and regulatory requirements.

A1. Teleconsultation with Doctor
To avail this service, You will need to call AWP IN help desk number 18004190660 between 8 AM to 8 PM (available all days except Sundays and national holidays). An AWP IN agent will speak to You and accordingly will connect You with their team of doctors. Following are some key Terms and Conditions for the Service:
1. You agree to not engage in any abusive, inappropriate or unlawful behaviour when communicating with the Tele-consultant/ Doctors
2. The Service is intended for use for a planned consultation and is not intended to be used in a medical emergency or in case of an urgent healthcare need.
3. The use of the Service does not create a doctor/patient relationship between You and Us or AWP IN.
4. CPP or AWP IN does not recommend or endorse any medical practitioners or make any representations or warranties with respect to the quality of the Teleconsultation services a medical practitioner may provide to You under this service.

A2: Card Loss Reporting Service
If You lose Your card (credit, debit, prepaid, cash and other similar cards), You can report a Card Loss to Us at our 24X7 emergency helpline number 6000 4000 (pre-fix STD code) or 1800 419 4000 (Toll-free) and We will contact the Issuers on Your behalf and ask them to cancel or block Your Card. CPP will attempt to block the card with the help of other details provided by You on a best effort basis.

A3: Music Subscription (For Variant 2 and 3 only)
As part of this benefit, You will be provided with Gaana Plus subscription pack offered by Gaana which will enable You to listen & download music on the Gaana Application. For deriving this benefit, You will have to call CPP’s call centre 1860-419-4010 (lines open 11am to 9pm, seven (7) days a week) to place a request to avail this benefit. You are governed by and must adhere to the following specific terms and conditions:

• This subscription is issued and governed by the terms & conditions of Gaana, as may be amended from time to time. For detailed terms & conditions, please visit https://gaana.com/terms_and_conditions.html
• The redemption code is valid for a period of 3 months from the date of purchase of Membership.
• This offer is not an instrument for payment and shall be used only for the purpose of availing Gaana Plus subscription on the supported devices. For details please visit https://gaana.com/faq
• Internet service charges applicable as per the plan availed by You from Your telecom service provider shall be applicable while accessing Gaana Plus subscription.
• Content available via Gaana Plus subscription shall be subject to change at the discretion of Gaana at any time.
• Please contact Gaana at Feedback@gaana.com for further details or enquiries regarding Your subscription.

Our role in relation to Gaana Plus subscription shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from its use.

A4: ZEE5 All Access Annual Subscription (For Variant 3 only)
As a part of this benefit, You will be provided with ZEE5 All Access Annual Subscription offered by ZEE, an online portal service with various contents, by way of streaming over the internet on mobile and similar handheld devices, and by the way of mobile applications. With this You can watch Live TV channels, originals, movies, TV shows with quality streaming and a premium experience.
For deriving this benefit, You are provided with a unique ZEE5 redemption code in the Pack and You are governed by and must adhere to the following specific terms and conditions:

• Your access to and use of the ZEE5 All Access Annual Subscription is subject to Terms of Use, Privacy Policy and all applicable laws, rules, and regulations.
• This subscription is issued and governed by the terms & conditions of ZEE5, as may be amended from time to time. For detailed terms & conditions, please visit https://www.ZEE5.com/termsofuse
• You consent to the terms of Privacy Policy of ZEE5 All Access Annual Subscription available at https://www.ZEE5.com/privacypolicy and agree to the use of Your Personal Information in the manner as provided under this Privacy Policy.
• The redemption code is valid for a period of 3 months from the date of purchase of Membership.
• This offer is not an instrument for payment and shall be used only for the purpose of availing ZEE5 All Access Annual Subscription on the supported devices. For details please visit https://www.ZEE5.com/termsofuse
• Internet service charges applicable as per the plan availed by You from Your telecom service provider shall be applicable while accessing the ZEE5 All Access Annual Subscription.
• Content available on ZEE5 shall be subject to change at the discretion of ZEE at any time. The content available to view will vary by geographic location. ZEE may use technology to assess your geographic location.
• Please contact ZEE5 at support.in@ZEE5.com for further details or enquiries regarding Your subscription.

Our role in relation to ZEE5 shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from its use.

B: General conditions
Please read this section carefully as it contains important information.

Eligibility
The Service is only available to residents of India who are over the age of eighteen (18).

Term of Membership
1. Your Membership is available to the person whose name appears in the Welcome Pack only and is non- transferable.
2. You must provide us with full and accurate information in connection with Your request for the CPP LivCare Lite services.
3. Advance payment of the Fees is the essence of the commencement of the Membership and the Services under the Agreement with You.
4. Your Membership begins on the Start Date and continues for the Period of Agreement in return for advance payment of the Fee.
5. You must report lost or stolen Cards to us by telephone within twenty-four (24) hours of discovering the Card Loss. We will then contact on Your behalf to Your Card Issuer to get Your Cards blocked. For this purpose, You hereby authorize Us to contact Your Card Issuer.
6. Any change or new addition to Your Service shall be intimated to You at least forty-five (45) days in advance and such change shall become applicable to You from the date of such intimation. However, it is clarified that the Assistance Service features listed under A1, A3 and A4, where We are acting as facilitator, may be added, modified, removed or replaced during the Period of Agreement without this advance notice period of forty-five (45) days.

Limitations
1. In the event of theft or loss of Cards, You have to immediately call us to report the loss of the Cards. In case You have not shared the details of a particular Card with us and request the same to be blocked, We shall attempt to get that Card blocked with Your Card Issuer with the help of other details provided by You on a best effort basis. In the event that Your 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) by Your Card Issuer, We will assist You by conferencing You on the telephone call with the Issuer in order for You to provide such PIN/TIN for authentication purposes.
2. For services setup under section A1, Please note that CPP’s role here shall be limited to that of a mere facilitator, and CPP shall not in any manner be liable to the customers for any loss, damage, or compensation in relation to or arising from its use. Services under section A1 are owned and/or facilitated by AWP IN, AWP IN will be responsible and liable for any claims arising from the use of AWP IN products & Services by You. You expressly represent and warrant that you will not use these Services if you do not understand, agree to become a party to, and abide by all of the Terms and Conditions and Privacy Policy.
3. It is hereby declared that neither CPP nor AWP IN is not a merchant, manufacturer, or provider of medical services, save for the provision of virtual health (“tele/video consultation”) services. We or AWP IN makes no express or implied representations or warranties about the description, quality, fitness for any particular purpose, productiveness, or any other matter in relation to Services and disclaims any implied warranties, including, but not limited to, warranties or implied warranties of merchantability or fitness for a particular purpose or use or non-infringement. In addition to this CPP or AWP IN also does not authorize anyone to make any warranty on Our or AWP IN’s behalf.
4. SERVICES UNDER SECTION A1 ARE NOT HEALTH INSURANCE POLICIES. These are Health related Services provisioned by Our third party service provider at certain locations and access to virtual health services.
5. For service under section A1, There will be times when the consulting doctor may not be able to provide an assessment using telehealth consultation. The doctors are trained to assess the appropriateness for conducting telehealth consultations on a case-by-case basis. They will ensure that each consultation meets the standards required for patient examination and evaluation: if they are unable to make a full, adequate assessment for advice, based on high quality evidence, they will recommend the subscriber visit a doctor in a physical clinic. CPP, AWP IN or our third party service providers do not practice medicine and do not provide medical consultation. We merely provide a technology platform and infrastructure that enables you to connect with participating medical practitioners/doctors listed on the Service and to use the messaging or communication facilities of the Service that are designed to enable you to communicate with others communication tools to consult with a medical practitioner. AWP IN does not recommend or endorse any medical practitioners or make any representations or warranties with respect to the quality of the medical services a medical practitioner may provide to You.
6. For service under section A1, The use of this Service does not create a doctor/patient relationship between You and CPP or AWP IN. All medical consultation shall be provided to You by the concerned medical practitioner who are working with AWP IN’s Service Providers, the medical practitioner or AWP IN’s enrolled service provider You consult with shall be solely responsible for compliance with all requirements applicable to his or her professional services provided to you and liable to you for all medical consultation, medical advice, diagnosis or treatment recommended or provided to you. Neither CPP nor AWP IN shall not be responsible or liable for any defect or deficiency in the medical consultation, diagnosis or treatment recommended to you by any medical practitioner.
7. The consultation provided to you by medical practitioners through this Service are not intended to replace your relationship with your primary care physician and you should continue to consult with your primary care physician and other health care professionals as needed / recommended. You should seek emergency help or follow-up care when recommended by a medical practitioner or when you are of the opinion that such help or care is prudent in your sole opinion.
8. It is hereby clarified that Gaana will always remain responsible and liable for any services / claims arising from the use of Gaana Plus Subscription (Section A3). You will be governed by the specific Terms and Conditions of Gaana as applicable to you at the time of usage. Our role in relation to this service provided to You shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from the use of this service.
9. It is hereby clarified that ZEE will always remain responsible and liable for any services / claims arising from the use of ZEE5 All Access Annual Subscription (Section A4). You will be governed by the specific Terms and Conditions of ZEE as applicable to you at the time of usage. Our role in relation to this service provided to You shall be limited to that of a mere facilitator, and We shall not in any manner be liable to You for any loss, damage or compensation in relation to or arising from the use of this service.
10. All Services offered under this membership are provided on “As Is” and “As Available” basis and may be subject to certain limitations. Consequently in no event shall CPP or its third party service providers be liable to you or any third party for any indirect, consequential, exemplary, incidental, special, or punitive damages, including lost business/revenue/profit/goodwill or damages arising from your use or unavailability of these Services and/or any other the services offered to you by Us or our third party service providers in any manner whether or not We or our third party service providers have been warned of the possibility of such damages or could have reasonably foreseen such damages.
11. CPP reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in, any component of, or term relating to, the Services offered under this membership or any voucher issued to you by CPP or its third party service providers and update information from time to time.
12. Note that the service set out in Section A1, A3, A4 of this Agreement will not be available Abroad and within India, this service will be available in the cities under the coverage network.
13. We cannot be held responsible for any loss, damage or fraud (direct or indirect) which might occur to You due to wrong submission of any information to Us by You or if we are unable to provide the Services to You for reasons beyond Our control or even after reasonable efforts made by Us.

Payment
1. You (or BFL if You have got Your CPP Membership financed through BFL) must pay the Fee in advance on or before the due dates set out in Your Welcome Pack or which We agree with You from time to time and You must re-pay BFL the full amount paid by BFL to Us on Your behalf for Your CPP Membership.
2. CPP reserves the right to revise its Fee at any point of time but it will not change for Your Membership until the Period of Agreement.

Cancelling Your Membership
1. You have a right to cancel Your Membership within thirty (30) days of Your Start Date. If You exercise this right to cancel then Your Membership will be cancelled immediately and any payment of Membership Fees made by You (or BFL on Your behalf) will be refunded to You (or BFL) as the case may be, as per the terms agreed with BFL. The refund of Membership Fee will be as per the following refund grid: Within 30 days: 100% Refund After 30 days: No refund of membership fees No refund of Fee shall be due on cancellation under any circumstances if You have used any of the features of the Service or if the cancellation notice is provided after thirty (30) days from the Start Date
2. We will cancel Your Membership on written notice to You if:
• We do not receive advance payment of the Fee from You (or BFL) on the date it is due; and/or
• You have failed to re-pay BFL the full amount paid by BFL to Us on your behalf for Your Membership and We are informed by BFL to cancel your Membership
• You have at any time: given us false or materially incomplete information in relation to Your Membership; or committed a material breach of the terms and conditions of Your Membership.

Governing law and Jurisdiction
These terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India.
We and You agree that all the disputes/differences arising out of or in relation to this Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in Delhi. You and We agree that terms and all other communications will be issued in English.

Complaints
If at any time You want to tell us about a problem with Your Membership please call us on 1860-419-4010 or You can write to the Complaints Manager at:
CPP Assistance Services (Pvt) Ltd P O Box No 826, Kalkaji Post Office, New Delhi - 110019
We will do our best to revert to Your query within 48 working hours. We will also do our best to send you communications as relevant from time to time to keep You informed on the progress. .
If you think you are not getting a satisfactory response, You may escalate the matter to escalations@ cppindia.com

Recording calls
We record all telephone calls made to us. We do this to:
• provide a record of the instructions We have received from You;
• allow us to monitor quality standards; • help us with staff training; and
• meet legal requirements. All communications and Membership documents will be in English unless otherwise agreed.

Your consent
By entering into this Agreement You hereby expressly accord Your consent and authorize us to collect all the required data/information including any sensitive personal data or information from You to service You under this Agreement. Prior to providing any information, You have an option not to provide the data or information sought under this Agreement by sending to us a written notice to that effect.

By entering into this Agreement, You hereby expressly accord Your consent that for the better performance of this Agreement We may transfer Your data/information to any city within India or to a country outside India as mentioned herein. If We do transfer Your data within or outside India, We will make the appropriate checks to ensure that Your data is adequately protected.

Remember that upon request, You have a right to see and review all the personal information We hold about You and if found to be inaccurate or deficient, shall be corrected or amended as feasible. If You would like to request this, please contact our Customer Services Team on 1860-419-4010. Please note that there will be a separate administration charge for the provision of this information. Please also note that We will not be responsible for the authenticity of the information provided by You to us as required under this Agreement You have the right to withdraw the consent earlier provided by You with respect to providing Your data/ information sought by us anytime while availing the Services. Such withdrawal of the consent shall be intimated in writing to us. However, in the event that You decide not to provide the data/Information sought by us or withdraw the consent earlier given by You, then We retain the right to not provide the services for which such data/information was sought.

Data Protection Notice
We will use the information You provide to:
• manage Your Membership;
• collect Fees when due; and
• provide the Service to You.
We may ask BFL to tell us about changes in Your address and other personal and financial details so that We can update Your records. This may include, but is not limited to, asking for information about changes to any of Your personal information (e.g. phone or fax numbers, or e-mail addresses).

We may pass Your personal information to our approved suppliers/service providers including our group companies for the purpose of sending correspondence to You and providing some of the features of the Service to You. They may contact You by post, landline telephone or, if You have previously agreed, by email or mobile phone. By taking out Your Membership and by giving us Your address, phone number and email address, You agree that We and our approved suppliers/service providers may contact You using these methods, unless You have told us not to. If You do not want Your details to be used for these purposes, please let Us know in writing at any time.

How We protect Your data
We take data security very seriously and go to great lengths to ensure Your information is protected against unauthorised use of any kind. We have appropriate measures in place to safeguard the data We hold. Our Information and Data Security Systems at CPP Group Plc have been verified by accreditation in the form of ISO 27001 and PCI-DSS certificate for Information Security Management.

Our suppliers/service providers are vetted to ensure they comply with the necessary data protection protocol before they are approved.

We are continually reviewing and updating our security procedures as new technologies become available. All areas of our website where personal information is collected are secure and will display the ‘padlock’ symbol for reassurance. Where information is transferred it shall be encrypted using the latest encryption technology commercially available.

Please refer to our data privacy policy at our website https://in.cppgroup.com/ for more details.

Who We may pass Your details to and how they would be used
Updating Your records
We may ask BFL to tell us about changes in Your contact details / details specifically related to the Services (subject to any disclosure contract in this regard that You may have with BFL) so We can update Your Membership records. This may include asking for information about changes to any personal information (e.g. telephone, mobile phone or fax numbers or email addresses).

Providing the Service
If You ask us to report a lost Card, We will pass Your name and address and the details of the Card to the Issuer so that they can cancel it and provide a replacement, if requested by You. When You take the Membership, We pass Your personal details to our approved suppliers to provide some of the services described in Section A. We will only pass to them the minimum amount of information required for them to be able to identify You, should You need these services. Our suppliers will pass Your information (such as Your name, contact details, etc.) to third parties to enable them to assist You only in instances when You require help from them.
We may pass Your personal information to our approved fulfilment and courier vendors so that We can send correspondence to You and provide some of the features of the Service to You.

Marketing and Market Research
To avoid contacting You unnecessarily about products or services You may already have, We will compare Your details with information on prospect files prepared by our business partners. When We do this We may need to tell our business partners/third party suppliers/ service providers that You have subscribed for the Service or hold a product with us and disclose enough personal data to allow our business partners/third party suppliers/service providers to identify You on these files.
We and our approved suppliers/service providers may also use Your personal information to contact You about goods and services that might interest You or invite You to take part in market research surveys. You may be contacted either by post, phone or e-mail for these purposes. If You would prefer this not to happen, please let us know when You register, or call us at any time if You change Your mind.

AWP Assistance (India) Private Limited (AWP IN)
When You take our subscription, We pass Your personal details to AWP IN to provide the services described in Section A1 . We will only pass to them the relevant amount of information required for them to be able to identify You and create your AWP IN membership, should You need to avail these services. AWP IN may pass Your personal information (such as Your name, contact details, etc.) to third parties to enable them to assist You only in instances when You avail the services offered in Section A1. However to offer these services, AWP IN may have to collect your personal information and identifiable health information including physical, physiological and mental health condition, and medical records and history as part of AWP IN’s virtual health services. The use of Your personal information and sensitive personal information which includes your health information will be governed by AWP IN’s Privacy Policy.

Grievance regarding Data Protection issues
If at any time You want to tell us about a problem, discrepancy or grievance regarding Your personal data/ information/details or the processing thereof, please call our designated grievance officer Prachala Singh on 1860-419-4010 or You can also write to our grievance officer at:
CPP Assistance Services (Pvt) Ltd
P O Box No 826, Kalkaji Post Office, New Delhi - 110019
Our grievance officer will do his best to expeditiously redress any issues/grievance that You

Table 1 (As Annexure 1 – Benefit Summary)

CPP LivCare Lite	Variant 1	Variant 2	Variant 3
Single call to block all your cards	Yes	Yes	Yes
Teleconsultation with Doctor	Yes	Yes	Yes
Gaana Plus - Music Subscription (single subscription only) - on call	No	Yes	Yes
ZEE5 All Access Annual Subscription (single subscription only)	No	No	Yes
Complimentary Group Term Life Insurance with Critical Illness rider	INR 50K	INR 70K	INR 100K
Number of Members covered in membership	Primary member only
Membership Period	1 Year
MRP inclusive of taxes (In INR)	899	1099	1499