1.1 "Plan Fee" shall mean the fees charged by Spectronic Network from time to time for the Plan(s) availed of by the Customer and set out in the respective Plan Terms. The Plan Fee is applicable for the respective duration of the plan as mentioned below. The Plan Fee is inclusive of all applicable taxes.
1.2 "Plan Terms" shall mean the terms and conditions separately provided with the Terms herein which shall be specifically applicable in relation to each Plan(s).
1.3 "Service Partner" means any third-party service provider affiliated with Spectronic Network.
1.4 "Personal Information/Data" shall mean and include such personal and financial information of the Customer relating to his/her data /or documents, in any medium including financial information such as bank account or credit card or debit card or other payment instrument details, identification document details including passport, PAN card details, driving license, etc.
1.5 "Service Centre" means the Authorised Service Centre or Spectronic Network Authorised Service Centre used for carrying out damaged Product Repair/Replacement.
2.1 These terms and conditions ("Terms") shall govern the transaction between "Spectronic Network" and the party whose name appears on the Order ("Customer") in relation to the Plan(s) provided by Spectronic Network.
2.2 These general terms and conditions define the framework and the respective obligations of the parties.
2.3 Customer acknowledges the receipt of the Terms and the Plan Terms, as applicable and agrees to be fully bound by the Terms and the relevant Plan Terms. In the event, that the Customer activates the insurance by sharing Product details or avails of any benefit under any of the Plan Terms or lodges a claim within the term of the Policy, the Customer shall be deemed to have accepted the Terms unconditionally
3.1 Further, the Customer has and hereby consents to the use of the Personal Information by Spectronic Network for the purposes of providing the various services under the Plan(s) offered by Spectronic Network. Spectronic Network respects the privacy of the Customer and the confidentiality of Customer's Personal Information so collected by Spectronic Network by itself or on its behalf and shall take all reasonable steps to protect it and maintain its confidentiality.
3.2 The Customer also hereby consents to the Personal Information being disclosed by Spectronic Network to any third party including any Service Partner of Spectronic Network who will be either providing other benefits and/or services on each of the Plan(s) for the purposes of fulfilment of the services or if required by law.
3.3 The Customer expressly and without limitation, consents to Spectronic Network or its service partners recording phone calls between the Customer and Spectronic Network on the helpline numbers set out in the relevant Plan Terms in order for Spectronic Network to inter alia (i) provide a record of the instructions received from the Customer and to share the same with the Service Partners, if required, (ii) allow itself or its service partners to monitor quality standards, (iii) training purposes, and (iv) meet legal and regulatory requirements.
3.4 The Customer acknowledges that Spectronic Network has the sole right to vary the features/benefits under the Plan(s) or the Plans or the amount or rate of the Plan Fee or part thereof, from time to time.
3.5 The Customer acknowledges that Spectronic Network may engage third parties including service Partners for the fulfilment of the services and the Customer hereby consents to Spectronic Network disclosing, to the extent relevant, the Customer's Personal Information and/or details of Plan(s) availed by the Customer to inter alia(a) our affiliates Service Partners (b) to our suppliers, vendors, for the purposes of servicing the Customer.
3.6 The Customer hereby consents to Spectronic Network identifying any service providers and/or products that may be of some interest to the Customer.
3.7 The Customer hereby consents to receive period SMS/mail communication from Spectronic Network of information pertaining to its product features/services.
4.1 The Plan Fee(s) and the Insurance Fee for the respective Plan(s) shall be as more particularly set out in the Plan Terms.
4.2 Activation of Spectronic Network Plan(s) is subject to realisation/receipt of the Plan Fee. However, activation of Insurance cover is subject to receipt of documents and Product-related information as specified in the Insurance cover section hereunder.
5.1 The Customer acknowledges and understands that claim or payment of any benefit covered by an add-on insurance cover shall be at the sole discretion of the Spectronic Network.
5.2 Any claims made by the Customer under these Terms and Plan Terms shall be subject to the following:
a) The Customer having met and complied with the Terms and the Plan Terms (as applicable). This also applies to terms and conditions set out herein and any others which may be added to the Terms and/or the Plan Terms and communicated to the Customer at a later date;
b) The Customer having provided Spectronic Network with full and accurate information in connection with the coverage, as applicable;
c) The Customer having acted in a bona fide manner to make a claim;
d) The Customer having complied with the requirements of Spectronic Network for the purposes of processing the claim may be required from time to time.
a. Claim form submitted via ProTekt App, web portal or customer service number.
b. Invoice copy of the product.
c. Govt. issued ID proof.
d. Supporting report by an authorised service centre.
e. Any other document or evidence as may be required.
5.3 Notwithstanding anything contained hereinabove, Spectronic Network shall not be obliged to entertain any claim from the Customer unless (i) the Customer is over the age of 18 years at the time of Plan activation and a resident of India, and (ii) the Plan Fee up to the date of claim has been paid.
6.1 Spectronic Network will cancel the Terms and/or the Plan Terms if Spectronic Network does not receive the Plan Fee (all-inclusive) on the date it is due.
6.2 Spectronic Network will cancel the plan if the information/documents, Product details or images as stipulated in the plan, that may be required for the purpose of the insurance cover activation is not made available within 15 days of purchase of the plan
6.3 Spectronic Network will cancel the Terms and/or the Plan Terms if the Customer has at any time:
a. Agreed to help any third party to try to fraudulently or dishonestly obtain money from Spectronic Network; or
b. Is in violation of applicable law as may be relevant to the use of the Plan(s); or
c. Failed to meet the Terms and/or the Plan Terms, or to act in good faith, openly, honestly and in a bona fide manner towards Spectronic Network including by providing false or inaccurate information.
7.1 Spectronic Network shall make reasonable efforts to ensure that the Personal Information of the Customer is kept confidential and not disclosed to any third party except to the extent required for the fulfilment of services.
8.1 The Customer represents that he/she has completed the age of 18 years and is a resident of India.
8.2 The Customer is in compliance with the applicable law as may be relevant for the Plan (s) which is availed of by the Customer.
8.3 The Personal Information provided by the Customer for the purposes of availing of the Plan(s) is and shall be true and accurate.
9.1 If the Customer receives a benefit as contemplated under any specific Plan Terms and it is later discovered that the claim was dishonest, fraudulent or false, Spectronic Network will take steps to recover from the Customer, such payment(s) made to the Customer, either by Spectronic Network or a third party, as the case may be.
9.2 The Customer undertakes that he/she shall strictly comply with the terms of usage contained in the Plan Terms in relation to the use of the Plan(s).
9.3 The Customer acknowledges, confirms and covenants that the object of the Plan(s) being availed of or provided by Spectronic Network is not an ‘insurance product' but insurance is merely an add-on feature of the Plan(s) on a product insurance basis and that the Customer has availed of the Plan(s) in accordance with this understanding.
9.4 The Customer undertakes and covenants that he/she shall not use or make use of the Plan(s) to or in the course of usage of the Plan(s), upload, display, publish, update, disseminate or transmit content or information that:
a. Belongs to another person and to which the user does not have any right to or which is confidential;
b. Is an impersonation of another person, grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
c. Harm minors in any way;
d. Infringes any patent, trademark, copyright or other proprietary rights;
e. Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
f. Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or
g. Threatens the unity, integrity, defence, security or sovereignty of India or seditious, friendly relations with foreign states, or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting to any other nation or violates any other provision of law.
10.1 Spectronic Network shall not be liable for any incidental, consequential, exemplary, special or indirect damages (including, but not limited to, loss of profits, revenues, data and/or use). Spectronic Network disclaims all implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Spectronic Network's total liability under the Terms and/or the relevant Plan Terms shall not exceed the Plan Fee.
11.1 The Customer hereby agrees to defend, indemnify and hold Spectronic Network and its officers, directors, employees and subcontractors harmless from any and all losses, damages, liabilities, verdicts, settlements, judgments, costs, and expenses (including reasonable attorneys' fees) incurred by Spectronic Network or its officers or employees arising out of:
a. Any wrongful act or omission of the Customer in relation to the usage of the Plan(s);
b. Any will full misconduct, gross negligence or fraud by the Customer;
c. Any failure of the Customer to comply with the applicable law;
d. Any breach of the representations, warranties, obligations and covenants of the Customer or a default of the Customer's obligations; and
e. Any third-party claims arising out of the Customer's use of the Plan(s).
11.2 This indemnity will survive the termination of the Terms and/or the Plan Terms and is in addition to and not in substitution of the other remedies and rights that Spectronic Network may have, either at law in the Terms and/or the Plan Terms
12.1 Any notice required under the Terms and/or the relevant Plan Terms must be in writing and must be either (a) delivered in person, (b) sent by first class registered mail, or airmail, as appropriate, or (c) sent by overnight courier, in each case properly posted and fully prepaid to the appropriate address set forth herein.
Spectronic Networks
Ground Floor 46/1561/,
Vakkattu Road, Chakkaraparambu Junction,
Kochi, Ernakulam, Kerala - 682028
13.1 The Terms will inure to the benefit of the legal successors of Spectronic Network. Other than as stated above, no assignment of the Terms is possible.
13.2 Spectronic Network will not incur any liability to the other party on account of any loss or damage resulting from any delay or failure to perform all or any part of these Terms if such delay or failure is caused, in whole or in part, by events, occurrences, or causes beyond the control and without negligence of the parties. Such events, occurrences, or causes will include, without limitation, acts of God, bandhs, riots, acts of war, natural disasters, fire and explosions, or any other events reasonably beyond the control of either party.
13.3 Spectronic Network reserves the right to amend the Terms and/or the Plan Terms and/or the features or pricing of the Plans. Upon such amendment, such terms will become applicable immediately and will be intimated to the Customer in due course. If the Customer does not accept the amendment of the Terms and/or the Plan Terms, he shall have the right to terminate the Terms and the Plan Terms with appropriate notice as may be specified in Clause 6. The alteration of the Terms and/or the Plan Terms shall be deemed accepted where the Customer continues to use the service one (1) month after the amendment has taken effect.
13.4 The Terms along with the relevant Plan Terms constitutes the entire agreement between the parties with respect and in relation to the Plan (including any modification or amendment thereto) subscribed or availed of by the Customer and supersedes all previous communications, representations, understandings and agreements, either oral or written.
13.5 The Agreement shall be governed by the laws of the Republic of India.
13.6 All disputes arising in connection with the Terms and/or the respective Plan Term(s) shall be finally settled by arbitration pursuant to the rules of the Arbitration and Conciliation Act, 1996, by one arbitrator appointed in accordance with the said Rules. The seat of arbitration shall be Kochi. The language of the arbitration proceedings shall be English. The decision of the arbitrator shall be final and binding on the parties.
Spectronic Network for Products-ADLD Service Description and Terms & Conditions
Note: The terms contained herein are specific terms and conditions and should be read in conjunction with the specific features of the product purchased by you as mentioned in the Welcome Letter kit/welcome email. These conditions are in addition to and not in derogation of the standard terms and conditions.
The definitions as set out herein are in addition to the definitions as set out in the General Terms
"Insurance Policy" means the insurance policy issued by Spectronic Network, for the benefit of the beneficiaries, all being the customers of Spectronic Network.
"Product" shall mean the insured Product of the Customer. The Customer can only avail of the Product Assist package in relation to one Product, i.e. one Plan per Product.
"Mobile Phone" shall mean the mobile phone Product of the Customer. The Customer can only avail of the Product Assist package in relation to one Mobile Phone, i.e. one Plan per Mobile Phone.
"Consumer Electronics" Includes Air Conditioner, Air Coolers, Air Purifiers, Audio Systems, Fryers, Home Theatre, Induction Cooktops, Microwave Ovens, Mixer Juicer, Grinder, OTG, Refrigerator, Sandwich Maker, Television, Washing Machine, Water Heater and Water Purifier. The above list is only indicative and will be subject to change without prior notice. Additions to and deletions from the list will be solely at Spectronic Network's discretion.
"SIM Card" shall mean the subscriber identification module card of the Customer which is used by the Customer in his/her Mobile Phone.
"SMS" shall mean short message service.
Claim settlement shall be at the sole discretion of Spectronic Network.
The product which is declared for Insurance and insured with Spectronic Network for a period of 12 months from the date of membership.
Used, Refurbished and Second-hand Products are not covered under this program.
Only one claim up to the invoice value of the Product after considering depreciation during the Membership Tenure is allowed.
Accidental damage and Liquid Damage are subject to terms, conditions, definitions and exclusions as mentioned below. Liability would be restricted to the "Depreciated value" or the "Actual repair cost" whichever is lower.
Accidental Damage means visible damage to the covered Product as a result of external means.
In case of Theft, the claim will be processed only after the customer provides a valid FIR or valid proof from the Police station.
One claim per customer/Product is allowed under this plan within the Sum Insured value for the term.
The policy is not transferable.
Sum insured: cost of equipment only as per purchase invoice or sum insured as per Spectronic Network plan selected by the customer.
Geographic limit - INDIA
Products purchased abroad stand excluded.
Loss/damage happening in India is only covered.
BER is the cost of repair equal to or more than the depreciated amount. In case of Total loss/BER Spectronic Network at its discretion may pay the customer the depreciated amount.
In case of the Total Loss or Beyond economical repairs (BER) to the insured product, shall be settled at the Depreciated Value.
In case of Partial loss, the maximum liability will be the repair amount or Depreciated value whichever is lower, in any case, the maximum liability shall not exceed the Depreciated value.
Depreciation Chart: -
Age of the Insured Gadget Depreciation % (Mobiles) Depreciation % (Home Appliances)
Up to 3 months 15% 20%
4 months to 6 months 25% 30%
above 6 months 40% 50%
It is mandatory for the Customer to provide the following Product-related information to Spectronic Network for the purpose of activating Insurance coverage.
a. Customer Name
b. Serial no./IMEI no.
c. Make and model of the product
d. Invoice value
e. Invoice date
f. Contact Number
Whereas Spectronic Network will make all efforts to collect the above information from the Customer, it is the responsibility of the Customer to ensure that all the said information is made available to Spectronic Network. Spectronic Network will be able to activate the Insurance cover on the said Product only after receiving the above-mentioned information. In case of non-receipt of the above-mentioned information, any Insurance claim on the said product may be declined by the Insurance Company at its discretion.
Depending upon the plan purchased by the customer and the ageing of the insured Product, Photo images of the Product will be required to be submitted by the customer to activate the plan benefits. In the absence of images, in such cases, the Insurance claim may not be admissible. Spectronic Network reserves the right to cancel the Customer's Membership or Claim in the absence of valid photos of Products.
For the ADLD insurance, the following are the exclusions:
The Insurer shall not be liable for:
1. Loss or damage to the insured product due to mysterious circumstances/disappearance or unexplained reasons.
2. Claim on insured product during the hire or loan of the insured gadget to a third party.
3. Loss resulting from detention or confiscation by customs or other Government or public authorities.
4. Any failure of the insured product to operate as a result of problems with respect to the network infrastructure, Customer's network subscription or similar service issues.
5. Loss arising due to any unlawful act or illegal activities including criminal acts, or acts of war or the product is used with permission of the Bonafide Customer having knowledge of such acts.
6. Consequential loss of any kind or description.
7. Loss or damage caused by pest, rodent, incorrect storage, poor maintenance, wilful negligence, incorrect installation, or incorrect set-up unless the authorised Service Centre representative would confirm otherwise with due substantiation.
8. Loss or damage as a result of an attack by unauthorised software/virus, software faults and manufacturing defects owing to which the insured product fails to operate.
9. Any loss if the ownership of the insured product is transferred.
10. Any consequence arising from War, War lime operations (whether War declared or not) , Act of Foreign Enemy, Hostilities, Civil War, Rebellion, Insurrection, Civil Commotion, Military usurped power, Seizure, Capture, Confiscation, Arrest. Restraints and or Detainment by order of any Government or any other Authority.
11. Any liability whatsoever nature directly or indirectly caused by or contributed to by or arising from ionizing radioactive or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion, only combustion shall include any self-sustaining process of nuclear fission.
12. Any loss, destruction, damage or legal liability directly or indirectly caused by or contributed to by or arising from nuclear weapon materials, Wear and tear, moth, vermin or gradual deterioration, inherent defect or from any process of cleaning or repairing or renovating or maintenance.
13. Any type of self-repair or attempted self-repair.
14. Intentional overloading of the instrument. Loss or damage due to any experiments or tests and/or alterations resulting into any abnormal conditions.
15. Cost of Replacement of Battery unless caused by accidental or liquid damage to the insured product.
16. Any damage or loss occasioned from any waterborne craft unless such damage is caused by the accidental ingress of liquid/water, and if the Customer has taken reasonable care to protect the insured product from damage.
17. Any loss of or damage to the SIM card/memory card unless caused by an insured peril.
18. Loss or damage to accessories.
19. Internal leakage of the battery, unless caused by an insured peril. Theft or Damage occurred while the insured product is situated outside India providing the Customer is a Non-Resident Indian.
20. Any instance where you are not a resident of India at the time that the Theft or Damage occurred.
21. Any type of SIM/airtime misuse or consequential loss thereof.
22. Any loss the named Customers may suffer or cost to the Customer for:
a. Damage to or Theft of, or costs or charges, when repairing or replacing aerials or battery chargers where these items are the only part of the insured product that have been damaged or stolen;
b. Any Damage or Theft caused by any deliberate act or negligence by the Insured Member(s), their employees or any person using the insured product with their permission;
23. Any loss related to indemnification for the Value-added services.
24. The Insurer shall not be liable for any loss or damage claim due to the inability of the Customer and insured to submit either of the claim processing and claim payment documents required by Spectronic Network for processing the Claim.
25. The policy shall not be liable for any claim if information has intentionally been withheld or incorrect information or misrepresentations have been intentionally given that are of significance to the assessment of the claim.
26. Improper handling, dismantling, fitting adjustment, repair alteration or modification not approved by the makers/manufacturers and/or the agents of makers/manufacturers or use of such property country to the directives of the makers/manufacturers and/or these agents.
27. Scratching, denting. Cracking is excluded unless caused by accidental external means.
28. Loss or damage due to theft or attempted theft by any employees of the insured or loss or damage occasioned through the wilful act of the insured or any employee or the wilful act of any other person with the connivance of the insured or any employee.
29. Loss or damage directly or indirectly, occasioned by or happening through or in consequence of volcanic eruption or other similar convulsion of nature and atmospheric disturbance.
30. For Mobiles, the SIM used in the damaged/theft Product is in the name of a person other than the Subscriber or his/her spouse/parents and legitimate children.
1. Any aesthetic, rubber, glass or plastic parts are not covered unless damaged due to accident or liquid.
2. Product Accessories.
In any action suit or other proceeding where the company alleges that by reason of the above provisions, any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the insured.
A. Accidental / Liquid damage: This refers to the loss to a customer's insured product due to accidental/liquid damage.
• Claim form filled, incl. relevant documents and images, submitted in ProTekt App or web portal.
• Images of the damaged insured product.
• Product Purchase Invoice.
• Govt. issued ID proof of Insured.
1. In case of accidental and liquid damage to the product, the Customer is required to submit a Claim application along with relevant data and documents said above using the ProTekt App or Web Portal or call the Spectronic Network call centre on +91 9731816805 or mail at mis@spectronicnetwork.in for assistance within 72 hours of discovering the damage.
2. Spectronic Network will verify the documents received from the customer over the ProTekt App, web Portal or WhatsApp and will reach out to the customer for further action. This will be either one of the scenarios listed below.
Different Scenarios:
a) Scenario 1- Customer takes product to the nearest service centre.
• The customer can visit the nearest authorised service centre and submit the product.
b) Scenario 2- Home Service of the product.
• A service/maintenance executive visit will be arranged from the nearest authorised service centre to customer's house for evaluating the issue.
c) Scenario 3- Spectronic Network will take the mobile phone and service it.
• In case of mobile phones, if required, Spectronic network will arrange to take the mobile phone back
The Customer must do the following: -
1. Submitted the Claim form and relevant documents and images via App or web Portal within 72 Hrs of discovering the issue.
2. Customer to submit the product if BER (Beyond Economic Repairs) to Spectronic Network to release the depreciated value to the customer.
3. Cooperate with the Surveyor / Investigator if appointed.
4. The Customer shall produce for Spectronic Network's examination all pertinent documents at such reasonable times and shall co-operate with Spectronic Network in all matters pertaining to any Claims. Failure to comply with this condition may prejudice the Claim. Filing a false or fraudulent Claim will invalidate the Claim and result in rejecting the Claim and any other action deemed fit.
5. If the product claimed is BER, the product will become property of Spectronic network and the payment of depreciated value for the product will only be done after product is received at the nearest Spectronic Network warehouse/Hub.
1. Pickup for pin codes serviced by logistics partner if required: Post successful verification of documents, if pickup is arranged for mobiles within 24 hours. Three physical/calling attempts will be made to pick up the product. In case these attempts have failed then an email/WhatsApp will be sent to the customer requesting pickup to be scheduled within 48 hours. In case the pickup is not successful, Spectronic Network reserves the right to close the case.
2. Pin codes not serviced by logistics partner: For Pin codes not serviced by logistics partners, Spectronic Network will inform the customer about the location for shipping the product. The customer will need to ship the product within 48 hours and provide the courier details when requested. All cases where the product courier details are not received will be closed by Spectronic Network without further intimation.
3. Product repair turnaround time is based on the availability of spare parts at the Service Centre. In case of unavailability of parts, Spectronic Network reserves the right to propose a commercial settlement to the customer. In case of a commercial settlement, a consent letter will be sent to the customer at his/her registered email address. In case the customer does not provide his/her consent to commercial settlement nor dispatch the physical letter with signature within 7 days of receipt of the email communication then Spectronic Network reserves the right to close the claim without any further intimation and dispatch the unrepaired product back to the customer.
4. All communications by Spectronic Network employees/vendor employees/partner employees/ representatives with the customer will be done at the registered email address/mobile number. In case the customer is non-contactable then a total of 6 attempts will be made. If the customer is still non-contactable an email/ WhatsApp will be to the customer for action within 48 hours. In case the customer fails to respond within the timeline then Spectronic Network reserves the right to close the claim
For the avoidance of doubt, In the event of the insured product being lost or destroyed by the operation of insured perils, the liability of the company shall be limited to the depreciation value as applicable.
Any disputes or differences under this policy shall be subject to the exclusive jurisdiction of Courts in Kochi, India.
No sums payable under this policy shall carry interest.
The due observance and fulfilment of the terms and conditions and endorsements of this policy in so far as they are relating to anything to be done or complied with by the insured shall be condition precedent to any liability of the insurer to make any payment of the policy only.
Duty of care shall be over & above the conditions stated in the plan terms & conditions. This condition is paramount to the plan, the insured i.e. owner of the subject matter shall take care of the subject matter always as if uninsured and will have to behave in the most diligent way. Lack of duty of care & non - -diligent acts or behaviour will amount to a breach of duty of care, in such situations/circumstances, the claim will not be payable as per Duty of care. The due observance and fulfilment of the terms and conditions so far as they relate to anything to be done or complied with by the user shall be a condition precedent to any liability of the Company to make any payment under this insurance.
Spectronic Network does not accept any aspect of fraudulent activity. We work closely with other fraud prevention institutions to identify fraud and support legal actions where the appropriate evidence exists.
It is important that when applying for the Spectronic Network's ProTekt insurance Program, or submitting a claim you or anyone acting on your behalf must take reasonable care to answer all questions honestly and to the best of your knowledge. Failure to do so may affect the validity of your Membership or the payment of your claim.
If false or inaccurate information or documents is provided and fraud is identified then we will:
1. Not honour the claim and we will cancel your policy without any refund.
2. Report you to the relevant authorities and take legal action, if necessary, to recover any money already paid to you under this program.