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IAC271817WELCOM Membership Number
Lalit Himral
S/O Gyan Chand Himral House No 10/1 IAC271817
Near
Sunni Bagri (36) Gadheri
Shimla Hp 171019 23/08/2021

Welcome to a worry-free life!

Dear Lalit Himral,
We feel immense pleasure in welcoming you to the CPP family! We thank you for choosing Card Protection and hope that you will
enjoy the benefits that the membership offers you.
This welcome pack contains the following elements that explain all the aspects of your membership in detail:
l Benefit Guide: Explains all the key benefits of your membership.
l Product MITC & T&Cs: The most important terms & conditions of your membership condensed for your reference, detailed
terms & conditions of your membership
l Registration Form: Register your cards and other valuable documents with us
l Reminder Stickers: To help you remember CPP helpline numbers in case of any emergency
You can now login to CPP Online member’s area and manage your membership and payment details and add, edit or remove
further member & card details. To login use the below details:

URL: www.cppindia.com/membersarea | Username: xnya5brv | Password: kufxvvscvu

Your membership details are as mentioned in the box overleaf. You can enjoy the benefits for a year from the start date and we will
renew your membership on the renewal date, unless otherwise advised by you. Don't hesitate to get in touch with us on the contact
details mentioned below for any assistance regarding your membership.
We request you to register all your credit, debit & ATM cards, as well as valuable documents like PAN card, drivers’ license, etc.
with us by sending the completed registration form or by calling us. This will help us assist you swiftly in case of emergencies.
Thank you again on becoming a Card Protection member and congratulations on choosing to live life worry-free!
Yours sincerely

Prachala Singh
Head – Customer Service

Registration form
Complete your registration with us! Get back peace of mind.

1 Fill in details of your credit, debit and ATM card in section A (below), section B (overleaf)
2 Ensure all your details are correctly filled 3 Use the enclosed business reply envelope to mail this form to us

Section A: Primary member’s details Membership No.: IAC271817

Card type
Card issuer Description Card number
SBI plus_WELCOME_T III

(Visa / Mastercard / Other)

e.g. ABC Bank Visa IOC Gold Card 4 3 3 3 2 1 X X X X X X 1 2 3 4

Primary member’s details

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

Declaration: I/We authorize CPP Assistance Services Pvt. Ltd. (CPP) to advise issuers of cards covered under this membership to cancel them in case they
are lost, stolen or otherwise misused.

Please tick, if you do not wish to receive information via e-mail

Primary member’s signature Date: about other products or services that may be of interest.
 CPP Card Protection - Membership Details cum Sales Proforma
Name Lalit Himral

Address S/O Gyan Chand Himral House No 10/1 NearSunni Bagri (36) GadheriShimla Hp 171019

Membership Card Protection Premium+ Plan Membership Fee* Rs. 2499*

Start Date 23/08/2021 Renewal Date 23/08/2022

Card No. Payment Card/Acc SBI Credit Card

l Advance payment of Membership Fees is the essence of the commencement of our contract
with you. Invoice will be generated on receipt of Membership Fees’
l *Includes 18% Goods & Services Tax.
For CPP Assistance Services Private Limited
l If you are a registered person under the Goods and Services Tax Law and wish to avail the
credit of Goods and Services Tax paid by you on our Membership Fee then you are requested
to notify us your Legal Name, Address and GSTIN within 7 days of receipt of this letter else it
shall be assumed that you are a Unregistered Person under Goods and Services Tax Law.
Prachala Singh
l You can get refund of Your Membership fees if you cancel within 30 days of Your
Authorised Signatory
Membership Start Date.

Product Variant MRP in Rs. Discount Amount Introductory Price in Rs.

(Inclusive of taxes) in Rs. (Inclusive of taxes)

Classic + 1,899 0 1,899

Premium + 2,999 500 2,499

Platinum + 3,999 800 3,199

Company CIN U67120DL2007PTC170592 | Company PAN No. AADCC2489H | GSTIN. 06AADCC2489H1ZM

24x7 Customer Care: Corporate Address

6000 4000 (Prefix STD code), 1800-419-4000 (Toll free) CPP Assistance Services Pvt. Ltd.
SMS to talk: SMS ‘CPP’ to 56767 Ground Floor, Wing – A, Golf View Corporate, Tower – A,
E-mail: feedback@cppindia.com, Website: in.cppgroup.com Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana

Section B:
Joint member’s details (Spouse only)
Dr. Mr. Ms.

First name Surname

E-mail address

PAN no. Date of birth

Card type
Card issuer (Visa / Mastercard / Other)
Description Card number

e.g. ABC Bank Visa IOC Gold Card 4 3 3 3 2 1 X X X X X X 1 2 3 4

X X X X X X

X X X X X X
CPP-CP-SBI-WL-MAY2020

X X X X X X

X X X X X X

X X X X X X

*Section B: To be filled incase of Premium and Platinum membership only.

Lalit Himral
S/O Gyan Chand Himral House No 10/1
Near
Sunni Bagri (36) Gadheri
Shimla Hp 171019

Subject: Your CPP Card Protection Membership No. IAC271817.

Dear Lalit Himral,

We thank you for choosing to buy CPP Card Protection plan on your SBI Credit Card and are pleased to
serve you by providing a comprehensive plan that protects you in case of loss of your valuable credit,
debit and ATM cards. We appreciate the confidence you’ve shown by selecting us and we will endeavor
to reinforce that trust in our service to you.

Your CPP Card Protection membership comes with benefits designed to help you in case of emergencies.

While they are explained in detail in this welcome pack, here’s a quick look at them:

Single Call Loss reporting | Emergency Hotel and Travel assistance | Roadside Assistance Services |
Credit Health Report | F-Secure Internet Security | Unlimited vHealth by Aetna (Doctor on Call) | ZEE5
All Access Annual Subscription | Gaana Plus Music Subscription | Free PAN Card replacement | Cards &
valuable document registration| 24-hour toll-free helpline | Reminder Stickers | Online Members Area |
Complimentary fraud protection against frauds on cards

All these benefits are offered at a nominal price of Rs. 2499 which is billed directly to your SBI Credit
Card. For any assistance, please feel free to contact our 24-hour contact number 39020202 or CPP’s
24-hour toll-free contact numbers mentioned in this pack.

Thank you again for being a valued SBI Card customer.

Prachala Singh
CPP Group India

Card Protection Plan is a third party product brought to you by CPP Assistance Services (P) Ltd. SBICPSL is the marketing partner
of CPP Assistance Services (P) Ltd. and in no manner responsible for the services provided by CPP Assistance Services (P) Ltd. SBI
Card nor their directors, officers, and employees will be liable to or have any responsibility of any kind for any loss that you may
incur in the event of any deficiency in the services provided. For further details, please call 1800-419-4000 or 6000-4000 or you
can write to PO Box No. 4337, Kalkaji Post Office, New Delhi – 110019.
F-Secure Internet Security (with Banking Protection)
Download Instructions
1. Visit https://offer.f-secure.com/cpp/ and enter the product key printed below

MXEX6B1M

Your unique license key will be displayed on the screen

2. Click the DOWNLOAD button on the screen to start the download of the F-Secure on your laptop/PC
3. Please launch the installer (by double clicking it) and follow instructions on screen
4. Enter the unique license key when prompted
5. Restart your PC/laptop and enjoy comprehensive internet security with F-Secure Internet Security!

ZEE5 - LIVE TV Subscription

Download & Usage Instructions
1. Go to www.ZEE5.com on your Android/iOS smart device web browser
2. Click on the 3 bar icon on the right hand corner of the ZEE5 homepage (next to the search menu)
3. Scroll down, click on the ‘Have a prepaid code?’ tab
4. Enter the coupon code provided, click on Apply and then click on Continue
5. Enter your Mobile Number or Email ID and Proceed
6. Verify using the One-Time Password (OTP) option or Enter Password
7. Your One Year ZEE5 membership is now active!
8. Download the ZEE5 App on your smartphone and Login
9. Enjoy your 12 months ZEE5 All Access Annual Subscription!

Z5LYCPP1zFL5bC

Note: Please use the promo code within 90 days of receipt.

Credit Health Report

Download & Usage Instructions
1. Enter the URL www.creditmantri.com in your browser. Click on ‘Signup’ and create your account by filling
the details required
2. Confirm your mobile number to receive OTP, enter OTP to verify your mobile number
3. Post verification of your mobile number, enter the required details (PAN number, date of birth, Pin Code,
gender) to get your free Equifax credit score
4. Click on ‘Get Your Credit Health Report’ link or click on ‘ Credit Health Report’ link. On the next page, click on link
for CPP and enter CPP Membership Number and the Coupon Code provided

CPPILUTR62

5. Click on ’Get My Credit Health Report’. Your CHR will be sent to your registered email ID or can be downloaded
by clicking on ‘Download CHR’ buon. To view the CHR, use the last four digits of your registered mobile number
and your year of birth as password. For example, if your mobile number is 9999955555 and year of birth is
1985, then the password will be 55551985.
6. Reports for subsequent months would be sent to your registered email ID. You can also access the same by
logging on to www.creditmantri.com and clicking on “Credit Health Report” link.
vHealth by Aetna (Doctor on call)
Download & Usage Instructions
1. Dial vHealth by Aetna toll free no. – 1800 103 4466. Services are available between 8 am to 8 pm (Except
Sunday & National holiday)
2. Select your preferred language and you will then be connected to a Tele-medicine Assistant (TMA).
3. Quote your registered mobile no. or CPP the membership ID to the TMA
4. TMA will retrieve your membership details and will probe on the medical issue and will complete the below
activities:
• Customer verification- Name, DOB, Email Id
• Captures medical symptom
• Height/Weight
• Medical report which depends on nature of medical case
5. Post Teleconsultation by doctor, member receives the care plan from the respective team of vHealth by
Aetna or e-Vaidya (as per the language selected for the medical consultation) on the registered email ID and
the mobile no.
Please Note:
Medical consultation support available in following languages – Hindi, English, Bengali, Tamil, Telegu, Kannada
and Punjabi, Malayalam, Odia, Marathi, Gujarati; Support for few of the languages is provided by e-Vaidya

CPZC7S03KG21
CPP-CS-SBI PLUS-MAY2020
Most Important Terms & Conditions (MITC) for your Card Protection Membership
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 Card Protection 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 with full and accurate information in connection with your Card Protection
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 (or renewal) of the
Membership and the Services to be provided to You under the Agreement.
• The Card Fraud Insurance Cover is provided as an add-on complementary benefit under the
Group Insurance Policy taken from an Indian insurance company (insurer). Please refer to the
Group Insurance Policy Terms and Conditions for more details.
• 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 features of F-Secure Internet Security, CreditMantri Credit
Health Report (CHR), EAI, IHO, Gaana, 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 next Renewal Date.
• You can cancel your membership anytime during the membership period. You will be refunded
the membership fee as per the following refund grid
Within 30 days: 100% refund
Between 31 and 182 days: 50% refund
Between 183 and 272 days: Refund on a Pro Rata basis
After 272 days: Nil refund
• 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: 1800-419-4000 (Toll-free) +91 921244 4000,
6000 4000 (please prefix city STD code)
Renewal
• Your Membership begins on the start date and continues for the period up to the renewal date
as mentioned in the welcome letter
• We will renew your membership on the renewal date by charging your Pay Card/ Account
as provided by you unless you contact us before that date and ask us not to renew. A letter
informing about the renewal of the membership will be sent to your registered postal address
forty-five (45) days in advance of the renewal date.
Service Related
• You must report lost or stolen cards to us by telephone within twenty-four (24) hours of
discovering loss of cards
• Any advance made to you under the Section A of the Main Terms & Conditions, shall be interest
free and repayable by you to EAI within twenty-eight (28) days of the advance being made. In
the event of the advance not being repaid then reasonable steps which may include legal steps,
will be taken to recover the advance.
• If you request for the assistance services set out at A1, A2 and A3 of the Main Terms &
Conditions, then you consent to us making such enquiries from such persons and/ or
organizations as are necessary to assess the claim that you are making.
• 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 block that card with the help of other details provided by you on a
best effort basis.
• Services set out in sections A1, A2 and A3 of the Main Terms & Conditions shall be provided
only at the sole discretion of CPP, however, every effort will be made to provide you with
emergency assistance in line with the terms and conditions set out in these sections. At the time
of Your request for Service, We may ask You to provide evidences for Your need of emergency
assistance and in the absence of which Your request for Emergency Assistance may be rejected
by Us. There may also be times when it will not be possible to arrange for the transfer of funds
to some countries or remote geographical locations or due to events or conditions that are out
of our control (i.e. political instability, regulatory restrictions, war, natural disaster, etc.) and for
which CPP cannot be held liable.
• Services set out in Section A2 and A6 of the Main Terms & Conditions will not be available Abroad
and within India, this service will be available only in the cities under our coverage network. A current
list of cities under our coverage network is available on our website https://in.cppgroup.com/
• You will be offered a Credit Health Report (CHR) in a specified format provided by CreditMantri,
a third party service provider with whom We have tied up, relating to Your credit and financial
information inter-alia containing detailed analysis of Your current Credit Score and its history
with actionable insights to improve / maintain Your Credit Score and Health. It is hereby
clarified that CreditMantri will always remain responsible and liable for any services / claims
arising from the use of Credit Health Report. You will be governed by the specific Terms and
Conditions of CreditMantri as applicable to you at the time of usage of Coupon Code for CHR.
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. For other conditions and limitations relating
Agreement and Terms & Conditions for Your Card Protection Membership
Please read this document carefully and keep it in a safe place
CPP Card Protection *Introductory Price in Rs. MRP in Rs. (Inclusive
Coverage
Membership (Inclusive of taxes) of taxes)
Classic + : Single Single Member 1899 1899
Member and
Premium + : Joint 2499 2999
Spouse
Member, Spouse
Platinum + :Family 3199 3999
and Parents
*At its sole discretion, CPP reserves the right to revoke this introductory price offer at any point of time,
however it will not impact this offer extended to you
Please read this document carefully. It sets out terms and conditions of Your Agreement with CPP
Assistance Services Private Limited for the Card Protection Service.
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 Card Protection Service product and any
changes thereto.
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, Sector – 42, Gurgaon – 122002,
Haryana India and registered office is at A-370, 2 Floor, Kalkaji, New Delhi 110019.
Credit Health Report (CHR) – Report in a specified format provided by Credit Mantri relating to
Your credit and financial information inter-alia containing detailed analysis of Your current Credit
Score and its history.
CreditMantri – CreditMantri Finserve Private Limited
Credit Score – Creditworthiness score provided by Credit Information Companies like Equifax ,
to this Service, please refer to Section A4 of the detailed Terms & Conditions.
• You will be offered a comprehensive F-Secure internet security solution for Your Computer
(Laptop / Desktop), powered and owned by F-Secure, a third party supplier/service provider
which You must download on Your Computer / Equipment and provide the information
required to install and run the F-Secure application failing which You may not be able to get
the services listed under Section A5 of the Main Terms and Conditions. It is hereby clarified
that F-Secure Internet Security is the property of F-Secure and F-Secure will always remain
responsible and liable for any services / claims arising from the use of F-Secure Internet
Security by You. You are governed by and must comply with the specific License Agreement
and terms and conditions (EULA) of F-Secure as applicable to You. Our role in relation to
distribution of F-Secure Internet Security 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 F-Secure Internet Security. For other conditions and limitations
relating to this Service, please refer to Section A5 of the Main Terms & Conditions.
• You will offered a Roadside Assistance for any one of Your vehicles (Car or Bike) for which we
will liaison with Europ Assistance India Private Limited who is our third party supplier/service
provider and will facilitate the services specified in Section A6 of the Main Terms & Conditions.
However if the registered car is over the age of 8 years or registered two-wheeler is over the age of 5
years, the assistance stipulated in A6.1 – A6.4 (inclusive) will not be provided. For other conditions
and limitations relating to this Service, please refer to Section A6 of the Main Terms & Conditions.
• Following are some key Terms and Conditions for the Services offered under Section A7:
• These are Health related Services provisioned by Our third party service provider (IHO) at
certain locations.
• 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 A7 are owned and/or facilitated by IHO, IHO will be responsible
and liable for any claims arising from the use of IHO 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 of Use. Please refer to detailed Terms and
Conditions on IHO’s website https://vhealth.io and its terms of use at https://vhealth.io/terms
• Note that some of the services under sections A7 may not be available on Sundays and National
Holidays, You will need to contact IHO’s helpdesk at 1800 103 4466 to confirm.
• To offer these services, IHO may have to collect your identifiable health information including
physical, physiological and mental health condition, and medical records and history as part
of IHO’s virtual health services. The use of your sensitive personal information which includes
your health information will be governed IHO’s Privacy Policy and Terms of Use which you
confirm you have read and understood on IHO’s website https://vhealth.io.
• It is hereby declared that neither CPP nor IHO is not a merchant, manufacturer, or provider
of medical services, save for the provision of virtual health (“tele/video consultation”)
services. We or IHO 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 IHO also does not authorize anyone to make any
warranty on Our or IHO’s behalf.
• 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. For other conditions and limitations relating to this
Service, please refer to Section A7 of the Main Terms & Conditions.
• 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 A8 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 A9 of the Main Terms & Conditions.
• 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.
etc. in accordance with Credit Information Companies (Regulation) Act, 2005 read with the rules
and regulations made thereunder (“CIC Law”)
Equifax - Equifax Credit Information Services Private Limited
EAI – Europ Assistance India Private Limited
Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use
the Service (applicable only in case of Platinum+ Membership)
Fee – Means the total amount as mentioned in the table above, 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.
F-Secure – F-Secure Corporation and (or) F-Secure Private Limited.
F-Secure Internet Security - A comprehensive internet security solution relating to Your
computer (desktop or laptop), which is owned and provided by F-Secure.
Gaana - Gamma Gaana Ltd
Home – The place where You permanently reside; which You have given us as Your address while
registering for the Membership.
IHO – Indian Health Organisation Private Limited
Issuer – The issuers of the Cards.
Joint Member – Joint Member to include Spouse, specifically named by the Member, entitled to
use the Service (applicable only in case of Premium+ Membership)
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.
Pay Card/ Pay Account – The card or bank account from which the Fee will be collected.
Period of Agreement – The twelve (12) month period from the Start Date.
Registered Vehicle - The vehicle You have registered with Us for roadside assistance.
Renewal Date – The renewal date for Your Membership which is shown in Your Welcome Pack or
which We agree with You from time to time.
Roadside Assistance – Means the services which will be provided to You by EAI in relation to the
breakdown of Your Registered Vehicle.
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 when You have purchased (or renewed) 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 (including Joint Member in case of Premium+) and Family (in case of
Platinum+).
ZEE – ZEE Entertainment Enterprises Limited
ZEE5 – Online streaming services of various contents offered by ZEE.
The Card Protection 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 1800-419-4000 (Toll-
free) or +91 921244 4000 or 6000 4000 (please prefix Your city STD code) (lines open twenty-
four (24) hours a day, 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
Card Protection
A: Assistance Services – What is provided?
When You report a Card Loss to us, We will contact the Issuers and ask them to cancel the Card.
If You request at the time of reporting Your Card Loss, the assistance services set out at A1, A2
and A3 may be available to You through EAI, who has contracted with us, to provide You the
assistance services set out at A1, A2 and A3 below. You consent to us making such enquiries from
such persons and/ or organizations as are necessary to assess the claim that You are making.
At the time of Your request for Service, We may ask You to provide evidences for Your need of
emergency assistance and in the absence of which Your request for Emergency Assistance may
be rejected by Us.
Any advance made to You under this Section A shall be interest free and repayable by You to EAI
within twenty-eight (28) days of the advance being made. In the event of the advance not being
repaid then steps will be taken to recover the advance, which may include legal steps, the costs of
which recovery may be added to the outstanding balance of the advance made.
A1: Advance of Emergency Hotel Bills
1. If You are Abroad at the time of the Card Loss, We will facilitate through EAI an advance direct
to Your hotel to cover Your hotel bill up to Rs 80,000 (Classic+), Rs 120,000 per member
(Premium+), Rs 160,000 per member (Platinum+)
2. We will facilitate through EAI an advance direct to Your hotel to cover Your hotel bill up to Rs
40,000 (Classic+), Rs 60,000 per member (Premium+), Rs 80,000 per member (Platinum+),
if You suffer a Card Loss in India.
A2: Emergency Cash Advance
1. If You are in India at the time of the Card Loss, We will facilitate through EAI an emergency
cash advance for You of up to the total amount of Rs 5,000 (Classic+) or Rs 20,000 (Premium+/
Platinum+) for basic living expenses and to help You reach Your Home if some or part of Your
cash is lost or stolen at the same time as the Card Loss.
A3: Advance of Replacement Travel Tickets
1. We will facilitate through EAI replacement travel tickets against an advance for You of up
to Rs 80,000 (Classic+), Rs 120,000 per member (Premium+), Rs 160,000 per member
(Platinum+), so that You can return to the travel destination nearest to Your Home. We will
do this if Your travel tickets have been lost or stolen at the same time as the Card Loss when
You are Abroad.
2. We will facilitate through EAI replacement travel tickets against an advance for You of up to Rs
40,000 (Classic+), Rs 60,000 per member (Premium+), Rs 80,000 per member (Platinum+),
so that You can return to the travel destination nearest to Your Home. We will do this if Your
travel tickets have been lost or stolen at the same time as the Card Loss whilst You are in India.
A4: Credit Health Report (CHR)
What is provided?
You will be offered a Report in a specified format provided by CreditMantri, a third party service
provider with whom We have tied up, relating to Your credit and financial information inter- alia
containing detailed analysis of Your current Credit Score and its history with actionable insights
to improve / maintain Your Credit Score and Health.
All banks are required to review Your Credit history of Your loans and Card transactions prior to
approving any further loans or credits. The CHR will help You to understand and interpret the
Credit Score issued by Credit Information Companies like Equifax, etc
For additional information and guidance on your Credit Score, kindly visit
https://www.creditmantri.com/credit-score-advice/
Limitations and Conditions
Any or all content of the Credit Health Report provided by CreditMantri is not guaranteed by
Us. Our role is merely of a facilitator to arrange the CHR from CreditMantri subject to below
specific terms & conditions of CreditMantri and We shall not be responsible for the accuracy,
completeness, and veracity of any and all such information as received or provided to You in CHR.
Further, We shall not in any manner be liable to You for any loss, claim, damage or compensation
in relation to or arising from this CHR or use of Coupon Code at CreditMantri website.
For deriving this benefit, You are provided with a unique CreditMantri CHR Coupon Code in the
Pack. Please note that You are governed by and must adhere to the following specific terms and
conditions:
• By registering at CreditMantri Website www.creditmantri.com, you are bound by the generic
terms and conditions of CreditMantri, as may be amended from time to time.
• The Coupon Code provided is valid only for a period of twelve (12) months from the date of
issue and can be redeemed once from CreditMantri and cannot be used again or for any other
services CreditMantri may provide.As a part of this service, you will get a detailed Credit Health
Report immediately when you use the coupon code and for every month for the next 11 months.
• You authorise and give explicit consent to CreditMantri to apply for and receive Your credit
information from Equifax .
• You hereby authorise and give explicit consent to CreditMantri to send email or SMS or
contact You at the email address and mobile number provided at the time of registration on
CreditMantri website.
• You hereby explicitly waive requirements under TRAI DND (Do not Call) listing for the purpose
of availing services from CreditMantri.
• You hereby agree to provide necessary Know Your Customer (KYC) information such as ID proof
and Address proof to CreditMantri to apply for Your credit information with Equifax.
• You hereby agree to provide any additional information and if required You agree to upload a
copy of Your KYC documents into CreditMantri website as may be required by Equifax.
• Equifax or any CIC shall provide your credit information to CreditMantri only if the information
provided matches with the records available with Equifax.
• CreditMantri can provide You with a CHR only if it is able to obtain credit information from
Equifax based on the information provided by You.
• You hereby agree and confirm that in case CreditMantri is not able to obtain any information
from Equifax based on the KYC information provided by You, CreditMantri shall not be obliged
to either refund or substitute the value of the redemption coupon for any other service it
provides with for part or in full.
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.
A5: F-Secure Internet Security (for Your Computer (Desktop or Laptop)
You will be offered a comprehensive internet security solution for Your Computer, powered and
owned by F-Secure, who is a third party supplier/service provider and will provide the benefits
as mentioned below. To derive this benefit, F-Secure Internet Security key and download
instructions will be provided to You physically through the Pack sent to Your Home or through
text message (SMS) to the mobile number provided by you.
What is provided?
F-Secure Internet Security protects Your digital content with real-time protection against
malware, hackers, identity theft harmful and unsavoury web sites. Your online banking
transactions are more secured with F-Secure Banking Protection. The features include:
• Protection against viruses, spyware and other malware
• Always up-to-date without slowing down your device
• Stops intrusions or identity theft on your device
• Easy to install and simple to use
• Customer support available through online chat and by phone
• Worry-free surfing and shopping with Browsing Protection
• Safe online life for your children with Parental Control
• Cloud-based, real-time protection against all online threats
• Secure, session-based online banking with Banking Protection
• Privacy protection on Facebook with Safe Profile
• Comprehensive exploit protection with DeepGuard 5
For deriving benefit from F-Secure, You must adhere to the following specific terms and
conditions:
1. You are governed by and must comply with the specific License Agreement and terms and
conditions of F-Secure as applicable to You. They are available for review at www.f-secure.com.
2. The supported platform are Windows 8.1 and 8 (ARM based tablets are not supported),
Windows 7 (all editions), Windows Vista (Service Pack 2 or newer) and Windows XP (32-bit,
Service Pack 3 or newer)
3. Your computer (Desktop / Laptop) must have Intel Pentium 4 or higher processor.
4. You must ensure that Your computer is equipped with at least 1GB RAM.
5. You must download the F-Secure Internet Security application on Your computer and provide
the information required to install and run the F-Secure application on Your computer.
6. F-Secure Internet Security is provided by F-Secure and F-Secure may at its discretion, add,
modify or remove the product features during the Agreement Period for which We cannot be
held liable in any manner.
A6: Roadside Assistance (for one Car or Bike)
If there is a breakdown of Your Registered Vehicle and You require our assistance Service in
relation to Your Registered Vehicle, We will liaise with EAI who is our third party supplier/service
provider and facilitate the specified services mentioned below.
For deriving this benefit, You may call our call center 1800-419-4000 and Our customer service
agent will assist You with the same.
Territorial Scope: Roadside Assistance Services will be provided within 75kms radius from city
centre in the cities under coverage network of EAI, in the Republic of India. A current list of cities
where the below mentioned services are provided is available on our website in.cppgroup.com.
What is provided?
A6.1 Assistance over phone
In the event of Breakdown, wherein the Customer is calling for support, EAI shall understand the
basic problem prior to offering solutions. Some minor issues can be supported over the phone. For
e.g. Issues such as, helping Customer on the basic checks & Information. – Locating the nearest
dealer, locating nearest medical assistance (based on availability) etc.
A6.2 Onsite support for Minor repairs
In the event the Vehicle covered under this Agreement having a breakdown due to minor
mechanical/ electrical fault, EAI shall support by arranging vehicle technician to the breakdown
location within a maximum time period of sixty minutes. EAI will bear the labor cost and
conveyance charges. Cost of spare parts if required to repair the vehicle on the spot (Outside
coverage area) to obtain such material & spare parts will be borne by the Customer.
A6.3 Rundown of Battery
In the event the Vehicle having a breakdown due to rundown of battery, EAI by arranging vehicle
technician to jump start the vehicle with appropriate means. EAI will bear the labor cost and
conveyance charges.
A6.4 Towing of the Registered Vehicle
In the event that a Vehicle is immobilized due to the breakdown or accident and “On-site”
preliminary support to make the vehicle roadworthy is not possible, EAI shall arrange and bear the
expense for transferring the Vehicle to the Customer Preferred Workshop or Nearest Authorized
outlet of the OEM. These services shall be provided using equipment/s deemed most suitable by
EAI. Limit for such transfer distance shall be 75kms from the breakdown location. In case transfer
distance is greater than 75kms, the costs in excess of 75kms shall be borne by the Customer.
Towing will be available for mechanical breakdown, accidents, and also key lost cases where repair
cannot be done on the spot
For accident cases towing will be activated on the completion of police formalities if any.
A6.5 Key Services
In case vehicle becomes immobilized because key on locked inside the vehicle or key is lost, EAI
will provide assistance to customer by towing the vehicle to the nearest authorized workshop
within 75 kms. Also Delivery of Spare Key is available.
A6.6 Fuel Delivery
If the vehicle becomes immobile due to empty fuel tank EAI will support the customer by
arranging (5 Lit.) Petrol & Diesel for 4w & (2 Lit) Petrol for 2w to customer. EAI will bear the labor
cost and conveyance charges. Fuel charges shall be borne by end customer/ user. This service is
based on availability of fuel.
A6.7 Incorrect Fueling
During incorrect fueling, EAI will tow the vehicle to the nearest Authorized Workshop or
Customer preferred Workshop upto 75 kms and towing cost will not be borne by the customer.
A6.8 Flat Tyre Support
In the event that the Vehicle has a puncture or tyre burst, EAI shall support the Customer in
replacing the flat tyre with spare tyre.
In case of non-availability of spare tyre, EAI will try to repair the faulty tyre. This service is based
on the availability of tyre repair shop near the breakdown location. All the cost related to rendering
such service will be charged to customers.
A6.9 Coordination In Extraction or Removal of Vehicle
In the event of vehicle being stuck in ditch, pit or valley, coordination will be done with external
agencies where ever possible. Cost to be borne by Customer. Any consequential damage during
the process will be borne by the Customer. SLA not applicable in such cases.
A6.10 Taxi Assistance
In the event that a Covered Vehicle is immobilized due to the breakdown or accident and “On-
site” preliminary support to make the vehicle roadworthy, is not possible, EAI shall arrange and
bear the expense for transferring the Covered Vehicle to the nearest Authorized Workshop &
Customer Preferred Workshop upto 75 kms. To help the Customer continue with his journey, EAI
will provide taxi assistance for first 50 Kilometers from breakdown spot and excess Kms will be
borne by the Customer.
A6.11 Medical/Legal Accommodation
In case of any medical or legal problem arising due to breakdown or accident, EAI shall provide
contact details of the nearby professionals in related field and intensely try to ensure their first
contact, in order to provide convenience to such customers. In this area EAI shall merely be a
facilitator and shall not be held responsible for quality of services, actual charges will be borne by
the customer. EAI role shall end as soon as we provide contact details to the customer. In case such
services are not available in that area EAI shall not be held responsible in any manner, whatsoever.
OUTSTATION BENEFITS:
A6.12. Hotel Accommodation
In case of outstation breakdown, EAI will provide coordination for Hotel Accommodation. All
related hotel charges will be payable by the customer.
A6.13. Inward & Forward Journey
In case of outstation benefits, EAI will provide coordination for Inward or Forward Journey. All
related charges will be payable by the customer.
A6.14 General Conditions and Exclusions
The roadside assistance services facilitated by Us for You will be limited as follows:
General conditions
You may register Your vehicle(s) against this membership as per the eligibility in Annexure 1
Table 1 as per the variant purchased by You. The assistance services provided will also cover Your
passenger car if another authorized driver is driving. If You register a two-wheeler then only You
may use the assistance services provided in this Membership. If You change Your vehicle, You
must send Your RC copy for approval by CPP before the Registered Vehicle is changed.
Restricted exclusions:
If the Registered passenger car is over the age of 8 years or Registered two-wheeler is over the age
of 5 years, the assistance stipulated in A6.1 – A6.4 (inclusive) will not be provided.
Events not covered under RoadSide Assistance:
1. Faulty fuel gauge
2. Speedometer not working
3. Air-conditioning is not working
4. When the passenger door(s) cannot be opened and there are no passengers in the vehicle
5. Boot cannot be opened
6. The front and/or rear demisters are not functioning
7. Horn is not functioning. If the horn is sounding continuously, the Assistance Services will be
provided
8. Damaged door mirrors
9. When the rear view mirror is damaged but it does not obstruct the driver’s vision
10. Damaged or faulty fuel cap but vehicle has not run out of petrol and there is enough fuel in the
tank to enable the vehicle to reach the nearest authorized dealer
11. When the sun roof cannot be opened
12. When the sunroof cannot be closed but weather conditions are fair and the vehicle is not
exposed to any security risk
13. When windows cannot be opened
14. When windows cannot be closed but weather conditions are fair and the vehicle is not exposed
to any security risk
15. Seat adjustor is faulty but the vehicle can be safely driven
16. When passenger seat belts are faulty but there are no passengers in the vehicle
17. Faulty security system unless the vehicle is immobilized or unless the alarm is sounding
continuously
18. Transmission stuck in sports/winter mode
19. When the ABS lights are illuminated
20. Air bag warning lights are illuminated
21. Traction control lights are illuminated
22. Other non-safety related lights/service warnings are illuminated
23. When your Vehicle runs out of windscreen wiper fluid
24. Front windscreen wipers faulty but weather conditions are fair
25. Rear windscreen wiper faulty
26. Vehicle pick-up and drop for routine maintenance is not included.
Special Exclusions
The following scenarios are special exclusions under Roadside Assistance, and therefore EAI will
not be responsible for any assistance costs as a result of any of the following:
1. Vehicle is involved in motor racing, rallies, speed or duration tests, practice runs or operated
outside official roads
2. Assistance is required as a result of wars, riots, uprising, mass political demonstrations,
pillage, strike, use for military purposes or acts of terrorism, earthquake damage, freak
weather conditions, atmospheric phenomena, nuclear transformation phenomena or
radiation caused by artificial acceleration of atomic particles
3. Breakdown is caused by deliberate damage, vandalism or participation in a criminal act or
offence
4. The immobilization is resulting from damage caused by intervention of the police or other
authorities
5. Any damage resulting from the use of the vehicle against the recommendations of the owner
manual
6. Any consequential costs and/or damage to property as a result of a breakdown
7. Vehicles kept in a non-roadworthy condition or not serviced in accordance with the
manufacturer’s recommendations
8. Vehicles used in non-motoring roads
9. Abusive behavior of the Customer, any fraudulent representation, malicious intent or
suppression of facts vital to the rendering of Services.
10. When the driver of the vehicle is found to be in any of the situations that are indicated below:
11. in state of intoxication or under the influence of alcohol, drugs, toxins or narcotics.
12. Driving without permission to drive or not having corresponding license for the category of
the Vehicle or documents not in proper or valid state.
13. Any event where breakdown is caused by deliberately inflicted damage, vandalism or
participation in a criminal act or offence
14. Any history where the Customer has on prior occasions misused or abused the services.
15. Accidents resulting from the illegitimate removal of the Vehicle.
16. Accidents or breakdowns that occur when the Customer or the authorized driver have
infringed upon the regulatory ordinances as far as the requisites and number of persons
transported, weight and means of things and animals that can be transported or the form of
handling them etc.
17. Any vehicle involved in or liable to be involved in legal case prior to or post immobilization or
which is to be kept in an as-is state as evidence or for any legal requirements.
18. Vehicle lacking documentation or requirements such as technical inspection of the Vehicles,
obligatory insurance etc. legally necessary to ply on public roads.
19. Breakdowns or accidents caused by fuels, mineral essences, and other inflammable, explosive
or toxic materials being transported in the Vehicle.
20. Any large or wild animals being transported in the Vehicle.
21. Those vehicles not powered exclusively by an internal combustion engine or running on LPG fuel.
22. Vehicle unlock service will be provided only upon checking and confirmation with the legal
owner of the Vehicle.
A7 : Unlimited vHealth by Aetna (refer benefit summary for eligibility under Classic+,
Premium+ and Platinum+ plans)
To avail this service, You will need to call IHO help desk number 18001034466 between 8 AM to 8
PM (available all days except national holidays). A Tele-medicine advisor at IHO will speak to You
and accordingly will connect with the IHO’s team of doctors. You must be at least 18 years of age to
utilize this service. Please refer to detailed Terms and Conditions on IHO’s website
https://vhealth.io and its terms of use at https://vhealth.io/terms.
Following are some key Terms and Conditions for the Services offered under section A7:
1. This service will be available only for the Primary Member under Classic+ Membership,
Primary Member and Spouse under Premium+ Membership and Primary Member, Spouse
and 2 Parents or 2 Kids of the Primary Member under Platinum+ Membership.
2. 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 IHO’s products & services.
3. You confirm that You have read and understand the specific Terms and Conditions on IHO’s
website https://vhealth.io and its terms of use at https://vhealth.io/terms.
4. Note that some of the services under sections A7 may not be available on Sundays, You will
need to contact IHO’s helpdesk at 1800 103 4466 to confirm.
5. To offer these services, IHO may have to collect your identifiable health information including
physical, physiological and mental health condition, and medical records and history as part
of IHO’s virtual health services. The use of your sensitive personal information which includes
your health information will be governed IHO’s Privacy Policy and Terms of Use which you
confirm you have read and understood on IHO’s website https://vhealth.io
A8 : Gaana Plus Subscription (Applicable to Premium + and Platinum +)
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 are provided with a unique Gaana Plus redemption code in the Pack
and 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.
A9 : ZEE5 All Access Annual Subscription
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 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.
A10: Passport and driving licence
If Your passport or driving licence is lost or stolen while You are Abroad, We will help You with the
notifications that You need to make and provide You with such contact details as are necessary.
A11: Valuable document registration
If You register the details of Your valuable documents with us (driving licence, passport, PAN
Card, Aadhar Card etc.) We will hold those details safe should You ever need to provide these
details when the originals are not at hand.
A12: Lost PAN card replacement service
Should You lose Your PAN card We will help You to obtain a replacement PAN card free of cost.
We will liaise with You to send us the necessary documents required for this to facilitate in
replacement of Your PAN card.
A13: Lost mobile phone reporting service - SIM blocking
If You lose Your mobile phone, We will help You with the notifications that You need to make to
block Your SIM card.
A14: Mobile phone identifier (IMEI) registration service
If You register Your mobile phone IMEI number with us, We will hold it safe should You ever need
these details.
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 Card Protection services.
3. Advance payment of the Fees is the essence of the commencement (or renewal) of the
Membership and the Services under the Agreement with You.
4. Your Membership begins on the Start Date and continues for the period up to the Renewal
Date in return for advance payment of the Fee.
5. We will renew Your Membership on the Renewal Date by charging Your Pay Card/ Account
as provided by You unless You contact us before that date and ask us not to. We will send You
a letter informing You of Your Renewal forty-five (45) days in advance of the Renewal Date.
6. You must report lost or stolen Cards to us by telephone within twenty-four (24) hours of
discovering the Card Loss.
7. 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 features of F-Secure Internet Security,
CreditMantri CHR, EAI, IHO, Gaana, ZEE5; may be added, modified, replaced or removed
during the Period of Agreement without this advance notice period of forty-five (45) days.
8. In case of Laptop/Desktop, You must install the F-Secure Internet Security on Your Laptop/
Desktop. In addition to compliance with the terms and conditions specified herein, You must
comply with the specific License Agreement and terms and conditions of F-Secure for use
of F-Secure Internet Security. They are available for review at www.f-secure.com. It is hereby
clarified that F-Secure Internet Security is the property of F-Secure and F-Secure will always
remain responsible and liable for any services / claims arising from the use of F-Secure
Internet Security by You.
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 block that Card 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), 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. The services set out in Sections A1, A2 and A3 shall be provided only at the sole discretion of
CPP, however, every effort will be made to provide You with emergency funds in line with the
terms and conditions set out in these sections of this Agreement. At the time of Your request
for Service, We may ask You to provide evidences for Your need of emergency assistance
and in the absence of which Your request for Emergency Assistance may be rejected by Us.
There may also be times when it will not be possible to arrange for the transfer of funds to
some countries or remote geographical locations or due to events or conditions that are out of
our control (i.e. political instability, regulatory restrictions, war, natural disaster, etc.) and for
which We cannot be held liable.
3. Note that services set out in Section A2 and A6 of this Agreement will not be available Abroad.
Within India, this service will be available in the cities under our coverage network. A current
list of cities under our coverage network is available on our website https://in.cppgroup.com/
4. 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 are unable to
provide the Services to You for reasons beyond Our control or even after reasonable efforts
made by Us.
5. It is hereby clarified that CreditMantri will always remain responsible and liable for any
services / claims arising from the use of Credit Health Report (Section A4). You will be
governed by the specific Terms and Conditions of CreditMantri as applicable to you at the
time of usage of Coupon Code for CHR. 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.
6. It is hereby clarified that F-Secure Internet Security is the property of F-Secure and F-Secure
will always remain responsible and liable for any services / claims arising from the use of
F-Secure Internet Security by You (Section A5). You are governed by and must comply with
the specific License Agreement and terms and conditions (EULA) of F-Secure as applicable to
You. Our role in relation to distribution of F-Secure Internet Security 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 F-Secure Internet Security.
7. It is hereby clarified that EAI will always remain responsible and liable for Road Side
Assistance service (Section A6). You will be governed by the specific Terms and Conditions of
EAI as applicable to You. 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.
8. For service setup under sections A7, 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 A7 are
owned and/or facilitated by IHO, IHO will be responsible and liable for any claims arising from
the use of IHO 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 of Use. Please refer to detailed Terms and Conditions on IHO’s website
https://vhealth.io and its terms of use at https://vhealth.io/terms.
• It is hereby declared that neither CPP nor IHO is not a merchant, manufacturer, or provider of
medical services, save for the provision of virtual health (“tele/video consultation”) services.
We or IHO 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 IHO also does not authorize anyone to make any
warranty on Our or IHO’s behalf.
• SERVICE UNDER SECTION A7 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.
• 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.
9. 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 A8). 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.
10. 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 A9). 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.
Payment
1. You 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.
2. CPP reserves the right to revise its Fee at any point of time but it will not change for Your
Membership until the next Renewal Date.
Cancelling Your Membership
1. You have a right to cancel Your Membership within thirty (30) days of Your Start Date or Your
Renewal Date. If You exercise this right to cancel then Your Membership will be cancelled
immediately and any payment You have made will be refunded in full.
After thirty (30) days the Membership may be cancelled by the Member at any time by giving
at least fourteen (14) days written notice to us. You will be refunded the membership Fee as
per the following refund grid:
Within 30 days: 100% refund
Between 31 and 182 days: 50% refund
Between 183 and 272 days: Refund on a Pro Rata basis
After 272 days: Nil refund
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 Nine (9) months after the
Start Date (or Renewal Date).
2. We will cancel Your Membership on written notice to You if:
• We do not receive advance payment of the Fee from You on the date it is due; and/or
• 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 1800-
419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix Your city STD code) or
You can write to the Complaints Manager at:
CPP Assistance Services (Pvt) Ltd., Prachala Singh on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (if calling from
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 6000-
4000 (please prefix your city STD code). 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 will collect the Fee from the card/ bank account that You have informed us is the Pay Card /
Pay Account.
If You use a payment card to pay for the Service, We may ask the issuer of that card 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 new card or account numbers and 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 Your Issuer / bank 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
the Issuer) so We can update Your Membership records. This may include asking for updated or
new Card numbers or bank account details and 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.
Europ Assistance India Private Limited (EAI)
When You take out a subscription, We pass Your personal details to EAI to provide the services
described in Sections A1, A2 and A3. 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. EAI may
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.
Indian Health Organisation Private Limited (IHO)
When You take our subscription, We pass Your personal details to IHO to provide the services
described in Section A7. We will only pass to them the minimum amount of information required
for them to be able to identify You and create your IHO membership, should You need to avail
these services. IHO may pass Your 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 A7. However to offer these services, IHO may have to collect your identifiable health
information including physical, physiological and mental health condition, and medical records
and history as part of IHO’s virtual health services. The use of your sensitive personal information
which includes your health information will be governed IHO’s Privacy Policy and Terms of Use.
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
a mobile phone, please prefix Your city STD code) 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 may
have within a period of thirty (30) days from the date of receiving Your grievance.
CPP-CP-SBI-T&CS-MAY2020
Dear Customer,
Greetings from HDFC ERGO General Insurance Company Limited.
We are pleased to inform you that HDFC ERGO CardSure Package Policy No. 2999202475614400000 has been issued to provide insurance coverage to you
as you are a customer of CPP Assistance Services Pvt. Ltd. (‘Policyholder’ or ‘CPP’) and form part of the Policyholder’s assistance product business group. This
entitles you for coverage as an insured beneficiary under the Policy as an add-on benefit.
You will be covered under the above mentioned group insurance policy for a sum insured upto Rs. 100,000 (in case of CPP Classic+ – Single membership), Rs. 200,000 per member (in
case of CPP Premium+ – Joint membership) or Rs. 300,000 per member (in case of CPP Platinum+ – Family membership) for the loss or claim relating to the fraud or unauthorized use on
your card during the policy period, as per the scope of coverage, as mentioned in the table below:

Sum Insured
Period before reporting
Fraud Cover Available (Please refer to Your Membership for limit on
fraudulent transaction
Sum Insured)

Transactions involving PIN based frauds, Phishing,

Up to Transaction amount or Sum Insured per member with no limit per
Tele-phishing and Transactions where OTP is not re- From 0 to 30 days
card, whichever is lower
quired (if card is lost/stolen)

Loss Reported within 3 days No claim is payable under this Policy

Up to Transaction amount or INR 10,000 per card whichever is lower

From 4 to 7 days (within maximum limit of Sum Insured per member) (cards with limit
upto 5 lakh)
Any card present or card not present transaction (other Up to Transaction amount or INR 25,000 per card whichever is lower
than the transactions listed above) (within
From 4 to 7 days
maximum limit of Sum Insured per member) (cards with limit above 5
lakh)

Up to Transaction amount or Sum Insured per

From 7 to 30 days
member with no limit per card, whichever is lower

Loss Reported within 3 days No claim is payable under this Policy

Up to Transaction amount or INR 10,000 per Transaction whichever is

Loss Reported between 4 to 7 days
Mobile Wallet Protection *# lower (within maximum limit of Sum Insured per member)

Up to Transaction amount or Sum Insured per member, whichever is

From 7 to 30 days
lower

* Per member limit is upto Rs. 50,000 (in case of CPP Classic+ membership) and Rs. 100,000 per member (in case of CPP Premium+ and Platinum+ memberships).
#The losses sustained by you due to fraudulent use of Mobile Payment Apps (Mobile Wallets) are covered only if there is a simultaneous physical loss of the Phone and /or Gear. Police
complaint of loss of the Phone and /or Gear shall be mandatorily required for the claim.
Specific Exclusions:
I. Any loss or damage arising out of any Card transactions which have occurred after the loss or theft of Card has been reported to the Card Issuer
II. Losses sustained, directly or indirectly, from any forgery, fraudulent or dishonest acts committed by You in respect of the Card, with intent to defraud the Card Issuer or the Insurer
III. Loss incurred due to gross negligence on your part
IV. Losses sustained by you for which the Card Issuer can be held liable (including but not limited to situations where the bank is not in compliance with RBI stipulations, or in cases
where banks are at fault, or where system faults or security breaches cause erroneous debits) to make good the loss incurred by you
V. Insurer liability would be limited to the customers share of liability as per banks or Wallet companies policy subject to sum insured limit of the beneficiary
Please note that the letter only indicates the availability of insurance cover to you, subject to the conditions and exclusions contained or otherwise expressed in the said policy to the
extent not exceeding the sum insured as specified above for the entire policy period. Please refer to the CardSure Package Policy Terms and Conditions enclosed herewith for more
details.
For any information on the insurance policy, you can also call the Policyholder on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code) or
write to the Manager-Customer Services at CPP Assistance Services Pvt. Ltd., P O Box No 826, Kalkaji Post Office,New Delhi - 110019
Yours sincerely,
For HDFC ERGO General Insurance Company Limited

Nagendra Saikumar
Duly Constituted Attorney
Senior Vice President Operations and Services Group

STATUTORY NOTICE: INSURANCE IS THE SUBJECT MATTER OF THE SOLICITATION

HDFC ERGO Customer Contact Details: Toll Free Helpline: 1-800-2700-700 from MTNL/BSNL phone or Dial 022-6638-4800 (Local/STD Charges apply).For more information, please
e mail: care@hdfcergo.com

Cardsure Package Policy Terms and Conditions Card is subject to Unauthorized Use during the Policy Period, the Insurer will not pay more than the amount
Please read this document carefully and keep it in a safe place as mentioned in the Table I and II below(‘Sum Insured’) under the Policy in any Policy Period for any loss
1. Definitions and Claim thereon relating to the period falling during the Policy Period and also during the thirty (30) days
Bank - An entity licensed as a Bank under Banking Regulation Act, 1949 and permitted by the Reserve Bank period before You reported the Card Loss to the Card Issuer through Policyholder subject to Schedule I, II and
of India to carry on banking business in India. III detailed below under which an Issuer holds You or Your Family Members liable to pay as a direct result of
Beneficiary (or Insured) -The customer of the Policyholder who has purchased the Policyholder’s Unauthorized Use of the Card. In no event will Insurer pay You for any loss claimed by You due to Card Loss
assistance product and forms part of the Policyholder’s assistance product business group, thereby outside of a period of thirty (30) days prior to the Card Loss report.
enabling entitlement for coverage as an insured beneficiary under the Policy as an add-on benefit. Table I : Fraud Cover
Card(s) – Your credit, debit, ATM, prepaid, cash and other similar cards issued by Issuer.
Claim – Any claim You make as a beneficiary under the Policy following a loss or Unauthorized Use of the Sum Insured
Card. Period before reporting
Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use the Policy. Fraud Cover Available (Please refer to Your
fraudulent transaction
Financial Institution – Institution as defined under section 45 I of the Reserve Bank of India Act, 1934 and Membership for limit on Sum
shall include a Non Banking Financial Company as defined under section 45 I of the Reserve Bank of India Insured)
Act, 1934
Transactions involving PIN
FIR - The First Information Report issued by the local police or such other authority as is appropriate in the Up to Transaction amount or
based frauds, Phishing, Tele-
circumstances. Sum Insured per member with
phishing and Transactions From 0 to 30 days
Home – The place where You live and which You have given the address to the Policyholder, before making no limit per card, whichever
where OTP is not required (if
any Claim. is lower
card is lost/stolen)
Insurer (or Company) – HDFC Ergo General Insurance Company Limited (IRDA Reg. No. 146).
Issuer – Bank, Financial Institution or other institution that has issued a Card to the Cardholder. Up to Transaction amount or
Merchant Establishment - Establishments wherever located which honour the Card INR 10,000 per card whichever
OTP - Dynamic one time password issued by the Card Issuer in connection with the usage of Card. is lower (within maximum
From 4 to 7 days
PIN - Specific personal identification number assigned to the Cardholder by the Card Issuer in connection limit of Sum Insured per
with the Card. member) (cards with limit
Policy – Policyholder’s proposal, the Schedule, Company’s covering letter to the Policyholder, insuring upto 5 lakh)
clauses, definitions, exclusions, conditions and other terms contained in the Group Policy and any
endorsement attaching to or forming part thereof, either at inception or during the period of insurance, Any card present or card not Up to Transaction amount or
issued by the Insurer to the Policyholder, for benefit of the customers of the Policyholder. present transaction (other INR 25,000 per card whichever
Policy Period– The 12 (twelve) month period of time that the Beneficiary is enrolled into the Policy by the than the transactions listed From 4 to 7 days is lower (within maximum lim-
Policyholder. above) it of Sum Insured per member)
Policyholder – CPP Assistance Services Private Limited (‘CPP’). (cards with limit above 5 lakh)
Schedule - The schedule, and any annexure to it, attached to and forming part of this Policy.
Unauthorized Use – Misuse of the Card by someone else other than You. Up to Transaction amount or
You, Your – The Beneficiary. Sum Insured per member with
2. Insurance Cover and Benefits under the Policy From 7 to 30 days
no limit per card, whichever
Once You and Your Family Members become a part of the Policyholder’s assistance product business is lower
group, and are registered by the Insurer as a Beneficiary, and thereafter if Your or Your Family Members’

Fraud Cover Available
Mobile Wallet Protection *#
Please refer Table – II below for limit on Sum Insured, as applicable to Your Membership
Table II : Sum Insured
Period before reporting fraud-
ulent transaction
Loss Reported within 3 days
Loss Reported between 4 to
7 days
From 7 to 30 days
Sum Insured
(Please refer to Your
Membership for limit on Sum
Insured)
No claim is payable under this
Policy
Up to Transaction amount or
INR 10,000 per Transaction
whichever is lower (within
maximum limit of Sum Insured
per member)
Up to Transaction amount
or Sum Insured per member,
whichever is lower
four (24) hours after receipt of notification of the Unauthorized Use.
Specific exclusions
1) Any loss or damage arising out of Card transactions effected outside the period of fifteen (15) days
prior to the reporting of Unauthorized Use of the Card to the Card Issuer.
2) Any loss or damage arising out of any Card transactions which have occurred after the
Unauthorized Use has been reported to the Card Issuer.
3) Loss incurred, through use of debit Cards, due to breach of security or failure of security
mechanism of the Card Issuer.
4) Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or
dishonest acts committed by Cardholders in respect of the Card, with intent to defraud the
Company or the Card Issuer.
5) Loss incurred due to gross negligence on part of the Cardholder, including, but not limited to,
insufficient measures taken by the Cardholder to keep his personal and sensitive information
safe.
MOBILE WALLET PROTECTION
Losses sustained by You due to fraudulent use of Mobile Payment Apps (Mobile Wallets) only if there is
a simultaneous physical loss of the Phone and / or Gear. Police complaint of loss of phone / gear shall be
mandatorily required for this purpose. Losses incurred during 4-30 days pre reporting to mobile wallet
Issuer about the fraudulent use of mobile wallets loss of Mobile / Device, put together is restricted to Actual
Loss or Sum Insured per member as mentioned in table below, whichever is lower:

CPP Card Protection Who is Sum Insured for Card Sum Insured for Type of CPP Membership Sum Insured Limit Per Member (in INR)
Plan Membership covered? Fraud(in INR) Mobile Wallet (in INR)
Classic + 50,000
Primary Member
Classic + 100,000 50,000 Premium + 100,000
(1 member)

Primary + Spouse Platinum + 100,000

Premium + 200,000 100,000
(2 members)
Primary + Spouse +
Platinum + 300,000 100,000
Parents (4 members)
SCHEDULE – I
LOSS OR THEFT OF CARD/UNAUTHORIZED USE THROUGH EDC (ELECTRONIC DATA CAPTURING)
TERMINALS
Specific conditions
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions,
this Policy shall cover any Claim or loss resulting from the Unauthorized Use of any Card, due to loss or
theft of the Card, including Unauthorized Use through EDC Terminals (under which a Card Issuer holds the
Cardholder liable to pay as a direct result of Unauthorized Use of the Card subsequent to the loss or theft of
the Card), which has occurred up to a maximum of thirty (30) days prior to the reporting of the Card loss to
the Card Issuer through the Policyholder.
Specific exclusions
The Company will not make any payment in respect of:
1) Any loss or damage arising out of Card transactions occurring outside the period of thirty (30) days
prior to Card loss report to the Card Issuer.
2) Any loss or damage arising out of any Card transactions which have occurred after the loss or theft of
Card has been reported to the Card Issuer.
3) Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest
acts committed by Cardholders in respect of the Card, with intent to defraud the Card Issuer or the
Company.
4) Losses sustained by the Cardholders through forgery or alteration of or on any written instrument
required in conjunction with any Card.
5) Subject to the specific conditions applicable to Section I above, payments that the Card Issuer is legally
entitled to recover from the Cardholders, or the corporate or other legal entity agreeing to honour Card
expenses incurred by the Cardholders for any prior periods.
6) The amounts refunded upon cancellation of purchases of products or services by the Cardholders.
7) Loss incurred due to gross negligence on part of the Cardholder.
8) Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with
technology infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction
(DUKPT), Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card
Issuer is liable.
9) Any loss in respect of credit and debit Cards used internationally which are not EMV Chip and PIN
enabled and for which the Card Issuer is liable.
10) Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the
Card Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer
will be liable.
LOSS ON CARD DUE TO FRAUDULENT INTERNET BASED TRANSACTIONS AND/OR MISUSE OF PIN
Specific conditions
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions,
this Policy shall cover losses/Claims arising out of unauthorized internet based transactions, using the
authorized CVV (Card Verification Value Code) or the PIN (Personal Identification Number) issued to
the Cardholder by the Card Issuer, which has occurred up to a maximum of fifteen (15) days prior to the
reporting of the loss/Unauthorized Use to the Card Issuer through the Policyholder.
Special exclusions
The Company will not make any payment for any Claim directly or indirectly arising from, or occasioned by,
or due to:
1) Any transactions not confirmed by the host website or the authorized bank.
2) Any errors made by the host website or the authorized bank.
3) Loss incurred by the Cardholder due to online transactions, effected on Indian websites and websites
hosted overseas not involving an outflow of foreign exchange from India, without the mandatory
additional factor of authentication.
4) Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the
Card Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer
will be liable.
5) Loss incurred, through use of debit Cards, due to breach of security or failure of security mechanism of
the Card Issuer.
6) Any transactions made using a PIN that has not been introduced by the Card Issuer in accordance with
the Reserve Bank of India’s mandate.
7) Loss incurred due to gross negligence on part of the Cardholder, including, but not limited to, insufficient
measures taken by the Cardholder to keep the PIN safe, and recording of the PIN in an intelligible form by
the Cardholder.
8) Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest
acts committed by Cardholders in respect of the Card, with intent to defraud the Company or the Card
Issuer.
9) Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with
technology infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction
(DUKPT), Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card
Issuer is liable.
10) Any loss in respect of debit and credit Cards used internationally which are not EMV Chip and PIN
enabled and for which the Card Issuer is liable.
LOSS ON CARD DUE TO UNAUTHORISED USAGE/ SKIMMING/ COUNTERFEIT/ PHISHING/ TELE-
PHISING/ COMPROMISED CARDS
Specific conditions
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions,
this Policy shall cover losses/Claims arising out of Unauthorized Use of Cards by skimming, counterfeiting,
phishing and compromised Cards which have occurred up to a maximum of fifteen (15) days prior to the
Unauthorized Use being reported to the Card Issuer through the Policyholder.
Notwithstanding anything stated to the contrary in this Policy, this Policy shall be applicable to the
following:
1) Any Unauthorized Use of a Card where property, labor or services are sold and delivered by a merchant
3. General Exclusions
This Policy does not cover Your liability to an Issuer due to Unauthorized Use of Card if:
1. Someone other than You who lives at Your Home uses the Card; or
2. Any consequential loss of whatsoever nature; or
3. The losses are suffered as a result of any act of god, natural disaster, civil war, terrorist act or any
other similar occurrence.
4. General Conditions
Your cover under this Policy depends on Your meeting the following conditions:
1. You must meet all of Insurer’s and the Issuer’s terms and conditions. This applies to terms and
conditions set out here and any others which the Insurer changes or adds to this Policy at a later
date. Any change or new addition by the insurer shall be intimated to You and shall become
applicable to You from the date of such intimation.
2. You must declare the details of Your Family Members. In case you fail to do so, the Fraud
Insurance Cover may not be provided by the insurer for the Family Members.
3. You must provide the Insurer and/or the Policyholder with full and accurate information in
connection with Your Policy.
4. You must follow Your Issuer’s instructions and meet all their terms and conditions when using
Your Card(s).
5. You shall immediately notify the nearest police station giving full particulars of the loss, which in
any case should be done within twenty-four (24) hours of actual Card Loss.
6. You must report Card Loss to the Policyholder by telephone, immediately after you have
discovered the card loss.
7. You must do all that You reasonably can to avoid making a Claim and keep your Claims as low as
possible.
8. You must provide the following documents while making a Claim:
a) Completed claim form in English/Hindi.
b) Attested Copy of the FIR to Police (or stamped police notification) in regional language and
translated in English/Hindi.
c) Card Statement certified by the concerned card division of the Issuer indicating fraudulent
transactions and consumer loss liability.
d) Letter of Subrogation on Rs.100 stamp paper.
e) Photo identity proof.
9. You must be over the age of eighteen (18) years and must be a resident of India.
10. You shall not transfer, assign or otherwise convey Your respective rights and duties under the
Policy to any other person.
11. Renewal of this cover is solely at the discretion of the Insurer.
5. Claims
If You need to make a Claim for loss incurred by You due to Card misuse under the Policy, please call the
Policyholder any time on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your
city STD code). The Policyholder will then send You a claim form to fill in and return to the Policyholder. Your
Claims under the Policy must be received by Insurer within thirty (30) days of the loss. Please remember to
include all the documents that the Insurer asks for, including FIR if applicable. If You do not, the Insurer will
not be able to process Your Claim until the Insurer has received them. If the Insurer has received all the Claim
documents that the Insurer needs, the Insurer shall aim to process the Claims within twenty eight (28) days
counted from the date of receipt of all the claim documents. Insurer may at any time, before settlement of a
claim, appoint any External Agency to verify your claim, in which case, the claim shall be settled within 28
days after the receipt of report of the External Agency.
6. Other Insurance
If, at the time of any Claim, there is, or but for the existence of this Policy, would be any other policy of
indemnity or insurance in favour or effected by or on behalf of You that would be applicable to any Claim,
then the Insurer shall not be liable to pay or contribute more than its ratable proportion of any loss or
damage.
7. Cancelling this Agreement
The Insurer and/or the Policyholder will cancel Your Policy if You have at any time:
1. given false or incomplete information to the Insurer and/or the Policyholder; or
2. agreed to help anyone try to take money from the Insurer dishonestly; or
3. You have seized to be customer of Policyholder; or
4. Failed to meet the terms and conditions of this Policy, or to act openly and honestly towards the
Insurer.
8. Dishonest Claims
If You make a Claim which is in any way dishonest or false or produce any false document, proof or
explanation, the Insurer will refuse to make payment of any benefit under the Policy. If You receive a benefit
under the Policy and the Insurer later discovers that Your Claim was dishonest or false, the Insurer and/or
the Policyholder will take steps to recover from You the payment(s) made by the Insurer.
9. Governing Law& Jurisdiction
These terms and conditions are governed by and must be interpreted in line with the laws of the Republic
of India. You, the Policyholder and the Insurer 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
India. You and We agree that terms and all other communications will be issued in English.
10. Role of the Policyholder
The Policyholder will merely act as an administrator in respect of the Policy. This shall give You one point of
contact and will enable the Insurer to deal with Your Claim or query quickly and concisely.
The role of the Policyholder in discharging its obligations hereunder shall be that of a mere facilitator, and
the Policyholder is not and shall not be liable to You for any Claim, loss, damage, or compensation caused in
relation to or arising from or in connection with the Policy.
11. Complaints
If at any time You want to tell the Policyholder about a problem with Your Policy, please call the Policyholder
on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code) or You
can write to the Manager-Customer Services at:
CPP-CP-HDFC-SBI-MAY2020

to an individual purporting to be the cardholder using telephone, fax machines, postal services or a
computer based system or network.
2) Losses arising out of duplicate or counterfeit Cards issued by the Card Issuer without the Cardholder’s
knowledge.
3) Any loss or damage arising due to information obtained by unauthorized access to sensitive
information, such as usernames, passwords and any Card details, by masquerading as a trustworthy
entity in an electronic communication which is not owned, operated or contracted by the Card Issuer or
its bank Card processor.
The Cardholder must notify the Policyholder as soon as practicable, but in any event not more than twenty
CPP Assistance Services (Pvt) Ltd
P O Box No 4337, Kalkaji Post Office, New Delhi - 110019
The Policyholder will make best efforts to answer Your query within five (5) working days. If the Policyholder
has not replied to Your complaint by then, the Policyholder will send You an acknowledgement letter to keep
You informed of progress.
For full details of Insurance benefits and terms and conditions and exclusions, please refer to the Policy
Terms and Conditions and Schedule issued by the Insurer. You may contact the Policyholder or the Insurer
in this regard.
Reassure yourself with
CPP Card Protection
 Here’s how we can help
Card Protection
Advantage
Life can throw up surprises when you
least expect them. Losing your wallet
containing valuable credit, debit and
ATM cards along with all your cash
can be an unpleasant surprise,
especially if you are away from home.
Blocking cards to prevent misuse,
arranging cash to pay for basic
facilities such as hotel bills and travel
expenses can be a difficult experience!
In such crisis situations, it is a huge
relief to know that help is just a single
phone - call away. A valued Card
Protection member like you just needs
to make one single call to our 24-hour
help line numbers 1800-419-4000
(Toll-free) or 6000-4000 (prefix STD
code) and we will assist you
immediately.
One Call
Card loss reporting
No matter the time, destination or situation,
we’ll block your lost card in a jiffy. Just call -
1800 419 4000 (toll-free) or 6000 4000
(both numbers available 24X7) and leave the
rest to us.
Emergency
Travel Assistance#
Now get an emergency advance to pay your
hotel bills or arrange travel tickets up to Rs.
160,000 abroad & Rs. 80,000 in India. Plus,
get emergency cash of up to Rs.20,000 for
any essential items, if required.
Emergency Cash feature available in India only.
#
Advance to be returned within 28 days.
Emergency Roadside
Assistance
Be it flat tyre support, battery jumpstart,
towing or any other road assistance, you’ll
never face a roadblock ever again. Get
emergency roadside assistance in 400 +
locations upto 75kms from city centre.
Online and
Device Security
Get F-Secure Internet Security, a powerful
antivirus that protects your laptop/PC
against malware, hackers and enables secure
net banking through it’s Banking Protection
feature. What’s more, its Parental Control
feature creates a safe surfing environment
for children.
Credit Health
Report
Get a detailed analysis of your current credit
score and history with Credit Health Report,
provided by Credit Mantri. The CHR provides
you with actionable insights to improve/
maintain your credit health by helping you
understand the Credit Information Report
issued by bureaus.
ZEE5 All Access Annual
Subscription
CPP Card Protection comes with a 12 month
LIVE TV Subscription, which allows You to
watch TV Shows, Originals, Movies, Music
and News and much more, on a device of Your
choice. This service is provided by ZEE.
Adding more benefits
to the basket
As a Card Protection member you get a
host of other benefits that takes care of a
hassle free experience with us.
Here's a look at the other key benefits:

Music Online Member's

Subscription Area
Get Gaana Plus Subscription and enjoy
streaming songs, song downloads - an Ad SMS2Talk Service,
Free experience! Designated Case Officer

Cards, Valuable Document

Unlimited vHealth by Registration/Reminder Stickers
Aetna
This benefit offers on demand access to
qualified doctors with unlimited consultation. Free PAN Card
One can consult with in-house doctors by video Replacement Service
or by voice call and avail teleconsultation for
treatment of any illnesses, advice on alternative
treatment options and interpretation of
diagnostic reports.

Mobile Benefits
Register Your mobile phone IMEI and SIM
number with us. If you lose your mobile phone, we
will help and notify you to get your SIM card
blocked.

Comp. Fraud Protection with

Mobile Wallet Protection*
You will be enrolled into a complimentary
add-on benefit of fraud protection within 7 days
of your membership start date under the group
policy of our customers, which ensures
protection of your cards (up to 30 days prior to
loss report) against frauds such as PIN based,
online, phishing, telephishing and transactions
where OTP is not required (if card is lost/stolen)
for up to Rs. 300,000. Your mobile wallets are
also protected against frauds for up to Rs.
100,000 (if there is a simultaneous physical
loss of device).
*You will be enrolled into the complimentary fraud
protection benefit within seven (7) days of your
membership start date. Fraud protection cover is provided
by an Indian General Insurance Company registered with
IRDAI under the group insurance policy for CPP members.
Please refer to group policy terms & conditions for more
details.
 Benefits
Summary

Benefit Summary CPP Card Protection Plan

Category Benefits in detail Classic + Premium + Platinum +

Card Blocking Single Call to Block Lost Cards Yes Yes Yes

Emergency Advance - Hotels - Abroad / India Rs. 80,000 / Rs. 40,000 Rs. 120,000 / Rs. 60,000 Rs. 160,000 / Rs. 80,000

Emergency Travel Replacement Travel Ticket Advance - Abroad

Rs. 80,000 / Rs. 40,000 Rs. 120,000 / Rs. 60,000 Rs. 160,000 / Rs. 80,000
Assistance / India

Emergency Cash in India (per membership) Rs. 5,000 Rs. 20,000 Rs. 20,000

SIM & IMEI Registration Service & SIM Card

Mobile benefits Yes Yes Yes
Blocking Service

F-Secure Internet Security with Banking

Internet Security Yes Yes Yes
Protection (Single Subscription Annually)

Health Benefit** Unlimited vHealth by Aetna (Doctor on Call) One Member Two Members Four Members

Gaana Plus - Music Subscription (Single

No Yes Yes
Subscription Annually)
Entertainment Benefits
ZEE5 All Access Annual Subscription (Single
Yes Yes Yes
Subscription Annually)

Roadside Assistance Yes Yes Yes

support, fuel delivery, vehicle towing

Credit Health Report (Single Subscription

Credit Analysis Benefit Yes Yes Yes
Annually)

Online Member’s Area Yes Yes Yes

Yes Yes Yes

Other Benefits Cards, Valuable Document Registration/
Yes Yes Yes
Reminder Stickers

Free PAN Card Replacement Service Yes Yes Yes

Protection against frauds (Transactions

involving PIN based Frauds, Phishing, Tele-
Upto Rs. 100,000 Upto Rs. 200,000 Upto Rs. 300,000
phishing and Transactions where OTP is not
required (if card is lost/stolen))

Number of days covered (prior to notification) 30 days 30 days 30 days

For pre-notification period of 4 to 7 days

Protection against Card Frauds (card present or up to Rs. 25,000 up to Rs. 25,000 up to Rs. 25,000
Complimentary Fraud card not present transactions - other than the
Protection transactions listed above) For pre-notification period of 7 to 30 days

up to Rs. 100,000 up to Rs. 200,000 up to Rs. 300,000

For pre - notification period of 4 to 7 days

Mobile Wallet Protection (per Membership) - If Upto Rs 10,000 Upto Rs 10,000 Upto Rs 10,000
there is a simultaneous physical loss of the device
For pre - notification period of 7 to 30 days

Upto Rs 50,000 Upto Rs 100,000 Upto Rs 100,000

CPP-CP-SBI PLUS-BG-MAY2020

Primary Primary + Spouse Primary + Spouse +

Members covered Number of members covered under membership
(1 member) (2 members) Parents (4 members)

*Introductory Price in Rs. (Inclusive of taxes) 1899 2499 3199

MRP in Rs. (Inclusive of taxes) 1899 2999 3999

* At its sole discretion, CPP reserves the right to revoke this introductory price offer at any point of time, however it will not impact this offer extended to you.
**For Unlimited vHealth by Aetna - Applicability - (Customer to Call IHO to register the additional members)
In Classic + : Only Primary Member, In Premium + : Primary + Spouse, In Platinum + : Primary + Spouse + 2 Kids or 2 Parents of the Primary Member