# 9010635550 - 170_MUM

Members Area :

IA0998809WELCOM

Mr Srikanth Saladi
Flat No 503
Diamond Royal Palms
Goregaon East
Mumbai Maharashtra 400065

IA0998809

Your Card Protection membership is now online! Please login using the following details
to register your valuable credit, debit cards of all banks and key documents such as PAN
Card, Passport etc. You can also edit your membership and payment details using the
Members Area.
URL: https://india.cppmembers.com

Username:q7ns7ppu

Password: axyjhf6sr8

Welcome to a worry-free life!

Dear Mr Srikanth Saladi,

07/01/2015

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:
Benefit Guide: Explains all the key benefits of your membership. Also includes the MITC
section (the most important terms & conditions of your membership condensed for your
reference), detailed terms & conditions and a Dos and Donts section (simple tips to
safeguard your valuable cards).
Registration Form: Register your cards and other valuable documents with us.
Key Fobs and Reminder Stickers: To help you remember CPP helpline numbers in
emergencies.
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!

Membership Details
Membership No.

IA0998809

Valid from

07/01/2015

Payment type

ICICI BANK

Plan details

CLASSIC

Renewal date

07/01/2016

Card no.

############2008

Price: Rs. 1399 (inclusive of 12.36% service tax and cess)

Yours sincerely
You can get refund of the membership fees if you cancel within 30 days of the start of your CPP membership.

Prachala Singh
Head Customer Service
Your Card Protection membership is now online!

T II/CLASSIC

24x7 Customer Care:

6000 4000 (Prefix STD code)
1800 419 4000 (Toll free)
SMS to talk: SMS CPP to 56767
E-mail: cppindia.feedback@cpp.co.uk

Corporate address:
CPP Assistance Services Pvt. Ltd.
114-117, Bestech Chambers, Radisson
Suites, B - Block, Sushant Lok Phase - I
Gurgaon - 122002, Haryana

Registration form
This form should be used to register existing, new or replacement cards

Now register your debit, credit and ATM cards in 3 simple steps!
Name: xxxxxxxx

Fill in details of your credit, debit and ATM card in section A (below)

Ensure all your details are correctly filled

Membership
No.:
IA0998809
Membership
No:
xxxxxxxx

Use the enclosed business reply envelope to mail this form to us

Name : Mr Srikanth Saladi

Section A: Primary members details

Card issuer
ABC Bank

Visa

Description

Card number

IOC Gold Card

Primary members details

e.g.

Card type
(Visa / Mastercard / Other)

Declaration: I 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.
Primary members signature

Date:

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

about other products or services that may be of interest.

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. Here is a look at the benefits the membership provides:

Card loss reporting

Reporting loss of your credit and debit cards by
calling each of your banks and card issuers
individually can be painful. It is not easy to
remember which cards you were carrying and
what numbers to call. Now you can entrust
that task to us and we will contact all your
banks and card issuers, notifying them to
block all your cards Immediately.

Emergency travel and

hotel assistance
In the event you lose your cards and cash
while away from home, we will help
facilitate an emergency advance that help
you pay your hotel bills and arrange your
travel tickets for up to ` 80,000 so that you
can return home safely. We also offer you an
emergency cash advance up to ` 5,000 (in
India only), if you need cash urgently.
We are committed to offering these
emergency assistance services within 24 hours
in India and within 48 hours abroad. You can repay
this advance within 28 days, without any interest to
us.

Complimentary Fraud
Protection*
As part of the membership, 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 taken by us for our customers. This
benefit ensures that you are covered from
any fraud that may take place on your
cards due to loss/theft, skimming,
counterfeiting, online usage, phishing and
PIN based fraud. Your protection begins 15
days prior to your loss report for an amount up
to ` 1,00,000 without any limit per card.

Free PAN card

replacement
Getting your lost or stolen PAN card
replaced can be a stressful process with all
the paperwork and documentation. We
facilitate the entire process by advising you
on the documentation and get your PAN card
replaced free of cost.

* Fraud Protection cover is provided by HDFC Ergo General Insurance Company Limited. Please
refer to CardSure Policy Package Terms and Conditions for more details

O
B 

Apart from the benefits mentioned previously, you are also entitled to the following benefits

Valuable document registration:

You can register the details of your valuable documents like Passport,
Drivers License, PAN card and the like with us, and we will keep them
confidential, providing them to you when you require them.
Mobile phone SIM card blocking and IMEI service:
If you lose your mobile phone, we will block your SIM card by
reporting the loss to your service provider thus preventing
fraudulent use. We will also provide you with your registered
mobile phone IMEI number when needed.

Key fobs and reminder stickers:

Our key fobs and reminder stickers can be very useful during
emergencies. Someone coming across your lost keys can easily
contact us thus assisting retrieval. The reminder stickers remind
you of our contact details and can be stuck at convenient
locations such as your car, laptop, fridge, etc.

B S


Benefit Category

Benefits in detail

Card Blocking

Single call to block lost cards

Emergency
Travel
Assistance

Mobile
Benefits

Other
Benefits

Fraud
Protection

Yes

Emergency advance - hotels (abroad)

` 80,000

Emergency advance - hotels (India)

` 40,000

Replacement travel ticket advance (abroad)

` 80,000

Replacement travel ticket advance (India)

` 40,000

Emergency Cash in India

` 5,000

SIM & IMEI Registration Service

Yes

Lost phone reporting - SIM card blocking

Yes

Tele Registration line

Yes

Reminder stickers/Key fobs

Yes

Valuable Document Registration

Yes

PAN Card replacement service

Yes

Fraud Protection (against any fraud due to

loss/theft, skimming, counterfeiting, online
usage, phishing and PIN based fraud)

` 1,00,000

Number of days covered prior to notification

15

Limit per card

Price in `
(incl. of taxes)

Classic Single Plan

Classic Single Plan

No limit
1,399

Most Important Terms & Conditions (MITC) for your Card Protection Membership

Terms & Conditions for Your Card Protection

Membership Classic [Single]

CPP Assistance Services (Pvt) Ltd

P O Box No 4337,
Kalkaji Post Office,
New Delhi - 110019

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 contract with CPP.

Please read this document carefully. It sets out terms and

conditions of Your contract with CPP for the Card Protection
service.

General

Please read this document carefully and keep it in a safe

place.

A: Assistance Services what is provided?

Definitions

When You report a Card Loss to us, We will contact the Issuers and ask
them to cancel the Card.

The Card Protection service is provided by CPP Assistance Services Private Limited, whose corporate office address is
114-117, Radisson Suites, B-Block, Sushant Lok-I, Gurgaon 122002, Haryana India in conjunction with its third party
suppliers / service providers.

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

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.

The CardSure Package Policy is provided as an add-on complimentary benefit under the Group Insurance Policy taken by
us for our customers from HDFC Ergo General Insurance Company Limited (insurer). Please refer to CardSure Package
Policy Terms and Conditions for more details.

The Membership Fee may change from time to 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 180 days: 50% refund

Between 181 and 270 days: Pro-rata basis reference to time |

Between 271 and 365 days: Nil

The terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India.

You can contact us through the following media in case you have any queries about 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 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.

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
services 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 114-117, Radisson Suites, B-Block, Sushant Lok-I, Gurgaon
122002, Haryana India and registered office is at R-89, 2nd Floor,
Greater Kailash I, New Delhi 110048

Issuer The issuers of the Cards.

2. We will facilitate through MakeMyTrip an advance direct to Your

hotel to cover Your hotel bill up to ` 40,000 if You suffer a Card Loss
in India.

MakeMyTrip - MakeMyTrip (India) Private Limited.

A2: Emergency Cash Advance

Member The person who has purchased and is entitled to use the
Service whose name appears in the Welcome Pack.

1.

Membership - Your right to use the Service for each year for which You
pay the Fee.
Pay Card/ Pay Account The card or bank account from which the Fee
will be collected.

Any advance made to you under this Section A of the Main Terms & Conditions, shall be interest free and repayable by you
to MakeMyTrip within twenty-eight (28) days of the advance being made. In the event of the advance not being repaid
then reasonable steps will be taken to recover the advance.

Start Date The start date for Your Membership shown in Your
Welcome Pack which We send to You.

The limits related to Your Services have been set out in Section A of the Main Terms & Conditions.
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.

Every effort will be made to provide you with emergency funds in line with the terms and conditions set out in sections
A1, A2 and A3 of the Main Terms & Conditions. However, there may be times when it will not be possible to arrange for
the transfer of funds to some geographical locations due to events or conditions that are out of our control (i.e. remoteness, political instability, regulatory restrictions, war, natural disaster, etc.) and for which CPP cannot be held liable.
You hereby expressly accord your consent allowing CPP 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.

1.

We will facilitate through MakeMyTrip replacement travel tickets

against an advance for You of up to ` 80,000, 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 MakeMyTrip replacement travel tickets

against an advance for You of up to ` 40,000, 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.

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.

We, us, our CPP.

Welcome Pack - The pack We send to You when You have purchased
the Service containing these terms and conditions and other
information relevant to the Service.

A4 Passport and Driving Licence

1

Year A period of twelve (12) consecutive months.

You, Your The Member.

If You are in India at the time of the Card Loss, We will facilitate
through MakeMyTrip an emergency cash advance for You of up to
` 5,000 for basic living expenses and to help You reach Your home if
Your cash is lost or stolen at the same time as the Card Loss.

A3: Advance of Replacement Travel Tickets

Period of Agreement The twelve (12) month period from the Start
Date.

Service Shall have the meaning given to it in paragraph A below.

A1: Advance of Emergency Hotel Bills

Home The place where You permanently reside; which You have given
us as Your address.

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 this Section A shall be interest free and
repayable by You to MakeMyTrip 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, the costs of which recovery
may be added to the outstanding balance of the advance made.

1. If You are Abroad at the time of the Card Loss, We will facilitate
through MakeMyTrip an advance direct to Your hotel to cover Your
hotel bill up to ` 80,000.

If you request for the assistance services set out at A1, A2 and A3 of Main Terms & Conditions, then you consent to us
making enquiries from such persons and/ or organizations as are necessary to assess the claim that you are making.

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
MakeMyTrip, 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.

Fee Means the amount of ` 1,245, plus applicable taxes that You pay
when You purchase or renew Your Membership. Membership which is
shown in Your Welcome Pack or as agreed with You from time to time.

Service Related

Card Protection

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.

A5: Valuable Document Registration

The Card Protection service is provided by CPP Assistance Services

Private Limited, whose corporate office address is 114-117, Radisson
Suites, B-Block, Sushant Lok-I, Gurgaon 122002, Haryana, India in
conjunction with its third party suppliers/service providers.

1.

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:

A6: Lost PAN Card Replacement Service

1.

If You register the details of Your valuable documents with us

(driving licence, share certificates, insurance policies etc), We will
hold those details safe should You ever need to provide these
details when the originals are not at hand.

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.

right to cancel then Your Membership will be cancelled

immediately and any payment You have made refunded in full.

A7: Lost Mobile Phone Reporting Service - SIM Blocking

1.

If You lose Your mobile phone, We will help You with the
notifications that You need to make to block Your SIM card.

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:

A8: Mobile Phone Identifier (IMEI) Registration Service

1.

If You register Your mobile phone IMEI number with us, We will
hold it safe should You ever need these details.

Within 30 days: 100% refund

Between 31 and 180 days: 50% refund

B: General Conditions

Between 181 and 270 days: Pro-rata basis reference to the time
Between 271 and 365 days: Nil

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).

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.
2)

We will cancel Your Membership on written notice to You if:

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)

Your Membership begins on the Start Date and continues for the
period up to the Renewal Date in return for payment of the Fee.
We will renew Your Membership on the Renewal Date by
charging Your Pay Card/Account 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.

4)

You must report lost or stolen Cards to us by telephone within

twenty-four (24) hours of discovering the Card Loss.

5)

Any change or new addition to Your Service shall be intimated to

You at least 45 days in advance and such change shall become
applicable to You from the date of such intimation.

Limitations
1)

2)

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.
Every effort will be made to provide You with emergency funds
in line with the terms and conditions set out in sections A1, A2
and A3 of this Agreement. However, there may be times when
it will not be possible to arrange for the transfer of funds to some
countries or remote geographical locations due to events or
conditions that are out of our control (i.e. political instability,
regularity restrictions, war or natural disaster) and for which We
cannot be held liable. Note that services under Section A2 of this
Agreement will not be available Abroad.

a) We do not receive payment of the Fee from You on the date

it is due; and / or

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 You have a right to see all the personal information
We hold about You. If You would like to request this, please contact
our Customer Services Team on 6000 4000. Please note that there
will be a separate administration charge for the provision of this
information.
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.

b) You have at any time:

i. given us false or materially incomplete information in
relation to Your Membership; or
ii. 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.
You and We 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
P O Box No 4337,
Kalkaji Post Office,
New Delhi - 110019
We will do our best to answer Your query within five (5) working days.
If We cannot reply to Your complaint by then, We will send You an
acknowledgement letter to keep You informed of progress.
If any issue which remains unresolved or unanswered for more than
5 days, You may escalate the matter to escalations@cppindia.com.
We assure You to revert to Your query within 48 hours of receipt of
Your query.
Recording Calls
We record all telephone calls made to us. We do this to:

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 contact details (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 Security Systems have been verified
by accreditation in the form of our BS7799 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.

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 contact
details (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 You tell us that Your address
has changed, We will pass Your new address details to Your Issuer /
Bank so that they can update their records.
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.
MakeMyTrip (India) Private Limited (MakeMyTrip)
When You take out a subscription, We pass Your personal details to
MakeMyTrip 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. MakeMyTrip 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.
Grievance regarding Data Protection issues
If at any time You want to tell us about a problem, discrepancy or
grievance regarding Your personal data / information / details or the
processing thereof, please call our designated grievance officer
Prachala Singh on 1800-419-4000 (Toll-free) or +91-921244-4000 or
6000-4000 (if calling from a mobile phone, please prefix Your city
STD code) or You can also write to our grievance officer at:

Payment

provide a record of the instructions We have received from You;

1)

You must pay the Fee on the due dates set out in Your Welcome
Pack or which We agree with You from time to time.

allow us to monitor quality standards;

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.

meet legal requirements.

Who We may pass Your details to and how they would be used.

All communication and Membership documents will be in English

unless otherwise agreed.

P O Box No 4337,
Kalkaji Post Office,

Updating Your records

New Delhi - 110019

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

Please refer to our data privacy policy at our website

www.cppindia.com for more details.

CPP Assistance Services (Pvt) Ltd

help us with staff training; and

Your Consent
By entering into this Agreement You hereby expressly accord Your

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

Our grievance officer will do her 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.

Dear Customer,

Cardsure Package Policy Terms and Conditions

Tier 6A

Greetings from HDFC ERGO General Insurance Company Limited.

We are pleased to inform you that HDFC ERGO CardSure Package Policy No. 2999200650709200000
has been issued to provide insurance coverage to you as you are a customer of CPP Assistance Services
Pvt. Ltd. (Policyholder) and form part of the Policyholders 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 of ` 1,00,000
for any loss or claim relating to the fraud or unauthorized use on your card during the policy period. Your
protection begins 15 days prior to your loss report without any limit per card.
The salient features of the scope of coverage of your add-on insurance cover are as follows:
I. Any loss or claim resulting from the Unauthorized Use of any Card, due to loss or theft of the Card,
including Unauthorized Use of PIN through Card Terminals.
II. Any loss or claim arising out of unauthorized internet based transactions, using the authorized CVV
(Card Verification Value Code) or the PIN (Personal Identification Number).
III. Any loss or claims arising out of Unauthorized Use of Cards by skimming, counterfeiting, phishing,
duplicate and compromised Cards.
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. Any loss reported by you to the Policyholder after twenty-four (24) hours of your discovering Card Loss.
III. 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.
IV. Loss incurred due to gross negligence on your part.
V. Losses sustained by you for which the Card Issuer can be held liable (primarily 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.
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. 4337, Kalkaji Post Office, New Delhi - 110019.
Yours sincerely,
For HDFC ERGO General Insurance Company Limited

Please read this document carefully and keep it in a safe

place
1. Definitions
Bank - An entity licensed as a Bank under Banking Regulation Act,
1949 and permitted by the Reserve Bank of India to carry on
banking business in India.

Your Family Members Card is subject to Unauthorized Use during

the Policy Period, the Insurer will not pay more than Rs 1,00,000
under the Policy in any Policy Period for any loss and Claim thereon
relating to the period falling during the Policy Period and also during
the fifteen (15) days period before You reported the Card Loss to the
Card Issuer through Policyholder subject to Schedule I, II and III
detailed below under which an Issuer holds You or Your Family
Members liable to pay as a direct result of Unauthorized Use of the
Card. In no event will Insurer pay You for any loss claimed by You due
to Card Loss outside of a period of fifteen (15) days prior to the Card
Loss report.

Beneficiary (or Insured) - The customer of the Policyholder who has

purchased the Policyholders assistance product and forms part of
the Policyholders assistance product business group, thereby
enabling entitlement for coverage as an insured beneficiary under
the Policy as an add-on benefit.

LOSS OR THEFT OF CARD/UNAUTHORIZED USE

THROUGH EDC (ELECTRONIC DATA CAPTURING)
TERMINALS

Card(s) Your credit, debit, ATM, prepaid, cash and other similar
cards issued by Issuer.

Notwithstanding anything stated to the contrary in the exclusions of

this Policy, 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 fifteen (15) days prior
to the reporting of the Card loss to the Card Issuer through the
Policyholder.

Claim Any claim You make as a beneficiary under the Policy

following a loss or Unauthorized Use of the Card.
Family Family to include Spouse and Parents, specifically named
by the Member, entitled to use the Policy.
Financial Institution Institution as defined under section 45 I of
the Reserve Bank of India Act, 1934 and shall include a Non Banking
Financial Company as defined under section 45 I of the Reserve
Bank of India Act, 1934
FIR The First Information Report issued by the local police or such
other authority as is appropriate in the circumstances.
Home The place where You live and which You have given the
address to the Policyholder, before making any Claim.

Specific conditions

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 fifteen (15) days prior to Card loss report
to the Card Issuer.

2)

In case of Cards forgotten by the Cardholder at the ATM, any

loss or damage arising out of Card transactions occurring
outside the period of twenty four (24) hours prior to Card loss
report to the Card Issuer.

3)

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.

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
Card Issuer or the Company.

5)

Losses sustained by the Cardholders through forgery or

alteration of or on any written instrument required in
conjunction with any Card.

6)

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.

7)

The amounts refunded upon cancellation of purchases of

products or services by the Cardholders.

8)

Loss incurred due to gross negligence on part of the

Cardholder.

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 Indias guidelines for which the Card Issuer
is liable.

Insurer (or Company) HDFC ERGO General Insurance Company

Limited (IRDA Reg. No. 125).
Issuer Bank, Financial Institution or other institution that has
issued a Card to the Cardholder.
Merchant Establishment - Establishments wherever located which
honour the Card
PIN Specific personal identification number assigned to the
Cardholder by the Card Issuer in connection with the Card.
Policy Policyholders proposal, the Schedule, Companys covering
letter to the Policyholder, insuring 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, issued by the Insurer to
the Policyholder, for benefit of the customers of the Policyholder.
Policy Period The 12 (twelve) month period of time that the
Beneficiary is enrolled into the Policy by the Policyholder.
Policyholder CPP Assistance Services Private Limited.

Duly Constituted Attorney

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
Registered & Corporate Office: 1st Floor, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate,
Mumbai 400 020. Tel.: +91 22 6638 3600 | Fax: +91 22 6638 3699 | care@hdfcergo.com
www.hdfcergo.com. IRDA Reg. No. 125. CIN : U66010MH2002PLC134869

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.
You, Your The Beneficiary.
2. Insurance Cover and Benefits under the Policy
Once Yoi and Your Family Members become a part of the
Policyholders assistance product business group, and are
registered by the Insurer as a Beneficiary, and thereafter if Your or

10) 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.

Specific conditions

11) 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.

Notwithstanding anything stated to the contrary in the exclusions of

this Policy, 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.

LOSS ON CARD DUE TO FRAUDULENT INTERNET BASED

TRANSACTIONS AND/OR MISUSE OF PIN

Notwithstanding anything stated to the contrary in this Policy, this

Policy shall be applicable to the following:

Specific conditions

1)

Notwithstanding anything stated to the contrary in the exclusions of

this Policy, 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.

2)

Losses arising out of duplicate or counterfeit Cards issued by the

Card Issuer without the Cardholders 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.

Special exclusions
The Company will not make any payment for any Claim directly or
indirectly arising from, or occasioned by, or due to:

Any Unauthorized Use of a Card where property, labor or

services are sold and delivered by a merchant to an individual
purporting to be the cardholder using telephone, fax machines,
postal services or a computer based system or network.

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.

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 rateable proportion of any loss or damage.

3.

You must provide the Insurer and/or the Policyholder with full
and accurate information in connection with Your Policy.

7. Cancelling this Agreement

4.

You must follow Your Issuers 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 and for
any reason not later than twenty-four (24) hours of discovering
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 along with Your latest
passport photograph.

1)

Any transactions not confirmed by the host website or the

authorized bank.

The Cardholder must notify the Policyholder as soon as practicable,

but in any event not more than twenty four (24) hours after receipt of
notification of the Unauthorized Use.

b) Attested Copy of the FIR to Police (or stamped police

notification) in regional language and translated in
English/Hindi.

2)

Any errors made by the host website or the authorized bank.

Specific exclusions

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.

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.

c) Card Statement certified by the concerned card division of

the Issuer indicating fraudulent transactions and consumer
loss liability.

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.

3)

4)

5)

6)

7)

8)

9)

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 incurred, through use of debit Cards, due to breach of
security or failure of security mechanism of the Card Issuer.
Any transactions made using a PIN that has not been introduced
by the Card Issuer in accordance with the Reserve Bank of Indias
mandate.
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.
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.
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 Indias 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 UNAUTHORIZED USAGE/

SKIMMING/ COUNTERFEIT/ PHISHING/ COMPROMISED
CARDS

4)

5)

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.
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.

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 Insurers and the Issuers 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.of such intimation.

d) Letter of Subrogation on Rs.100 stamp paper.

e) Photo identity proof.
f) Copy of dispute form with serial / reference number of
dispute registered with the concerned bank.
g) Merchant details (name, address and other contact details)
where the Unauthorized transaction has taken place.
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

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 anyT 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 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.