These Terms and Conditions form the contract and agreement between the User and People's Insurance PLC (People's Insurance).

1. Payments through Website

1.1 When a transaction instruction is received by People's Insurance through the payment gateway, People's Insurance shall be permitted to debit the insurance premium along with any applicable charges and taxes thereon from the account specified by the User.

1.2 People's Insurance shall not be responsible or shall not be held liable for any losses if a payment does not go through or is not completed due to a failure on the part of the respective card issuing bank or payment gateway.

2.3 However People's Insurance reserves the right to suspend or refuse any refund on any payment which appears to be false or are not in compliance with the Terms and Conditions contained herein.

2.4 Further, People's Insurance will not be liable for any loss, damage, expense, costs, delays or other liability whatsoever (including without limitation any financial losses such as loss of profit) which may be incurred by the User resulting from any event beyond our reasonable control (including without limitation to any failure of transmission, communication, computer or other facilities or your inability to access the Website for any reason or any failure, error or delay in sending or receiving of any notice or communication or instruction through the post or any electronic medium).

2.Return/Refund Policy

2.1 No returns or refunds are possible on the online payment gateway.

2.2 However, should any dispute or issue arise it will be solved amicably by People's Insurance once the same is brought to the notice of the Finance Manager, People's Insurance by registered mail to No. 07, Havelock Road, Colombo 05 or email to pilassist@peoplesinsurance.lk with copies of proof of payments.

3.Disclaimer

3.1 People's Insurance, its employees, directors and sub-contractors shall not be liable for any direct, indirect or consequential losses/damages arising by the use of the Website and its services by User.

3.2 The User shall indemnify People's Insurance at all times from all losses, costs, expenses and damages arising out of the irresponsible use of the User ID and the breach of these Terms and Conditions contained herein by the User.

3.3 People's Insurance makes no warranty regarding Account Transactions performed through the Website.

3.4 If displeased with the Website and/or its services and/or these Terms and Conditions, the sole remedy a User has is to discontinue use of the Website.