Terms and Conditions
Mobile Protection / EW Plan

Last updated: 15 April 2026

These Terms and Conditions ("Terms") govern the Complete Mobile Protection Plan ("Plan"), purchased by you ("Customer") as a value added service. The act of accepting delivery of the associated product or using any benefit under this Plan constitutes the Customer's full and unconditional agreement to be legally bound by all provisions set forth in this document. The Customer is advised to carefully read and understand these Terms, including all coverages, benefits, and limitations, before availing any services.

SECTION - 1 (Standard T&C)

1. Definitions

1.1 Plan(s): Service contract from Lookit that provides coverage for specific types of Device damage or operational failure, as explicitly detailed within this agreement and its schedules.

1.2 Plan Terms: Specific terms applicable to each Plan, read alongside these Standard Terms.

1.3 Insurer: A third-party insurance company registered with IRDAI, partnering with Lookit to underwrite Plan benefits.

1.4 Service Partner: Third-party providers (e.g., logistics, repair) appointed by Lookit to fulfill Plan services.

1.5 Personal Information/Data: Any personal or financial data provided by the Customer to Lookit for the Plan, including but not limited to bank details, Credit/Debit card information, Aadhaar, PAN, passport, or driver's license information.

2. Purpose

2.1 These Terms and Conditions ("Terms") shall exclusively govern all transactions and interactions between Lookit and the Customer in relation to the Plan(s) offered by Lookit.

2.2 The specific terms and conditions applicable to each individual Plan ("Plan Terms") shall be read in conjunction with, and shall supplement or, where expressly stated, supersede these Terms. Such Plan Terms shall be communicated to the Customer in writing and shall form an integral part of this Agreement.

2.3 The Customer's use of any benefits provided under the Plan(s), or submission of any claims thereunder, shall constitute unconditional acceptance and agreement to be bound by these Terms and the applicable Plan Terms in their entirety.

3. Terms of Use

3.1 The Customer shall comply with all applicable Indian laws relevant to the Plan and ensure that all Personal Information provided for availing the Plan is true, accurate, and complete. The Plan and its services must be used solely for their intended purposes.

3.2 The Customer consents to Lookit's collection, use, and processing of Personal Information for delivering the Plan's services. Lookit commits to maintaining the confidentiality and security of such information using reasonable safeguards.

3.3 The Customer agrees that Lookit may disclose Personal Information to its insurers, service partners, or third parties as required to facilitate Plan benefits or as mandated by applicable law.

3.4 The Customer consents to the recording and monitoring of all communications, including calls, messages, and data exchanges with Lookit, for quality assurance, training, and compliance purposes.

3.5 The Customer agrees to receive communications related to the Plan, including updates, notifications, and service requests, via email, SMS, or telephone from Lookit or its authorized service providers.

3.6 Lookit reserves the sole and absolute right to amend, modify, or update these Terms, Plan benefits, or any aspect of the Program at any time without prior notice.

3.7 The Customer authorizes Lookit or its authorized service providers to appoint employees, agents, or collection representatives to recover any amounts payable under the Plan, acknowledging that such collection shall be at the Customer's sole risk and cost.

4. Service Request & Claims

4.1 Any Service Request submitted by the Customer shall be subject to acceptance and processing only upon the Customer's full compliance with the following conditions:

4.1.1 The Customer must have accepted and continue to comply with these Terms and Conditions ("T&Cs"), including any modifications or updates communicated by Lookit or its authorized service providers from time to time.

4.1.2 The Customer must provide Lookit with complete, accurate, and truthful information pertinent to the coverage and benefits under the applicable Plan.

4.1.3 The Service Request must be made by the Customer in good faith and must not involve any fraudulent, deceptive, or unlawful intent.

5. Termination and Cancellation

Lookit reserves the right to terminate these Terms and Conditions with immediate effect if, at any time, the Customer:

5.1 Has collaborated with or assisted any third party in an attempt to fraudulently or dishonestly obtain funds from Lookit or its Insurer;

5.2 Has acted in violation of any applicable Indian laws relevant to the use of the Plan;

5.3 Has failed to operate or maintain the Covered Product in accordance with the manufacturer's prescribed guidelines;

5.4 Has breached any provision of these Terms and Conditions, or failed to act in good faith, with honesty, transparency, and bona fide intent towards Lookit or the Insurer, including but not limited to providing false, inaccurate, or misleading information;

5.5 Has failed to return any goods or devices to Lookit or its authorized Service Partner(s) when such return is required under the terms of the Plan; or

5.6 Has been subject to any final or conclusive action by Lookit resulting in termination.

5.7 Furthermore, these Terms and Conditions, together with the applicable Plan, shall govern cancellations under the following circumstances relating to product usage:

If the serial number/IMEI number of the Covered Product has been altered, defaced, removed, or tampered with, where such serial number/IMEI number is present; If the Covered Product has been resold, transferred, or used by the Customer for any purpose other than its intended personal use;

If the Covered Product is used for non-personal, commercial, or unauthorized purposes.

In addition, in the event of any discrepancy or mismatch between the Covered Product's Serial Number or Unique Identifier (as required for Plan fulfillment) and the information recorded on the Purchase Invoice, these Terms and Conditions shall become null and void after ten (10) days from the date of Plan Activation. During this period, the Customer may contact Lookit to update or modify the relevant information.

6. Confidentiality

The Customer shall bear sole responsibility for safeguarding the confidentiality and security of their personal information, including but not limited to their display name, login credentials, and password. The Customer acknowledges and agrees that if any information provided is determined to be false, inaccurate, outdated, or incomplete, or if Lookit has reasonable grounds to suspect the same, Lookit reserves the right, at its sole discretion and without prior notice, to suspend or terminate the Plan(s) in accordance with the Terms of Use.

7. Precedence of Terms

In the event of any inconsistency or conflict between these Terms and Conditions and any other terms, the version of the Terms and Conditions provided to the Customer via email at the time of Purchase of the Appliance shall prevail. If no such communication exists, these Terms and Conditions shall govern.

8. Limitation of Liability

By availing the Services, the Customer agrees that the total liability of Lookit, including its parent companies, affiliates, officers, directors, employees, agents, partners, contractors, and licensors, shall be limited to the invoice value of the Covered Product. Under no circumstances shall Lookit or its associated parties be liable for any direct, indirect, incidental, special, punitive, or consequential damages, or for any claims arising from or related to the use or inability to use the Services, including but not limited to loss of data, profits, or any other damages, regardless of the legal theory or basis of the claim.

9. Indemnity

The Customer agrees to indemnify, defend, and hold harmless Lookit, its affiliates, subsidiaries, group companies, partners, and their respective directors, officers, employees, and agents (collectively, the "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, penalties, obligations, demands, actions, or expenses, including reasonable attorneys' fees, arising out of or in connection with:

(a) any breach by the Customer of these Terms, the Privacy Policy, or any other applicable policies;

(b) any violation of applicable laws, rules, or regulations by the Customer;

(c) any infringement or violation of third-party rights, including intellectual property rights; or

(d) any unauthorized, improper, illegal, or wrongful use of the Customer's account, whether by the Customer or any third party, with or without the Customer's consent.

This indemnification obligation shall survive the termination or expiration of these Terms and the Customer's use of the Services.

10. Notices

All notices, consents, approvals, or other communications required or permitted under these Terms and Conditions shall be in writing and in the English language. Such communications shall be deemed valid and effectively served when delivered by:

Personal delivery; Registered or certified mail; or Facsimile or electronic transmission, accompanied by a confirming hard copy sent via courier to the respective addresses or contact details provided by the Parties.

Notices shall be deemed delivered:

Immediately, if delivered in person or sent via facsimile or electronic means; Within forty-eight (48) hours if sent by domestic mail; or Within seven (7) days if sent by international mail.

Proof of proper addressing, postage, and dispatch shall constitute sufficient evidence of service. Notices served by legal counsel on behalf of a Party shall be deemed effective notices from that Party.

Contact Support

All customer inquiries, complaints, or grievances must be submitted via the Company's designated support channels, through the 'Contact Us' section at https://Lookit360.com.

SECTION - 2 (Specific T&C)

The terms and conditions herein are specific to the Complete Mobile Protection Plan ("Specific Conditions"). These Specific Conditions are in addition to, and not in derogation of, the Standard Terms and Conditions set forth in Section 1, and shall be read in conjunction there with.

DEFINITIONS:

1.1 Covered Products: Refers exclusively to new mobile phones. For the avoidance of doubt, this definition expressly excludes any device that is refurbished, used, or second-hand, regardless of its operational condition or origin.

1.2 Normal Use: Usage of the mobile device in strict accordance with the instructions and guidelines set forth in the Manufacturer's user manual and any other official documentation. This includes, but is not limited to, the performance of routine software updates, proper physical handling, and the exclusive use of Manufacturer-approved or certified accessories, such as chargers and cables.

1.3 Plan Cover Amount: Shall mean the maximum monetary limit of liability under the Plan for the covered product(s). All repair services or settlement amounts shall be provided up to this limit. Any cost incurred beyond the Plan Cover Amount will be borne by the Customer.

1.4 Sum Insured: Purchase invoice value of the asset (The price mentioned on the Invoice of the product excluding any payment card discount/bank discounts but including gift cards and exchange vouchers)

1.5 Excess/Processing Fees: The portion of the repair or settlement cost that must be paid by the Customer, as applicable, depending on the nature of the claim

and the damage.

1.6 Functional Breakdown / Electrical & Mechanical Breakdown: Refers to a mechanical and/or electrical failure in the covered product that renders it non-functional under normal usage conditions. This excludes failures resulting from normal wear and tear.

1.7 Accidental Damage / Liquid Damage: Refers to unintentional physical or liquid damage to the Product by an external event, including drops, impacts, or exposure to liquids, which results in the product becoming partially or fully non-functional.

1.8 Brand Warranty/Manufacturer's Warranty: Shall mean the coverage provided by the brand for functional breakdowns.

1.9 Damage Protection: Refers to the Coverage against any claim of Accidental damage or Liquid Damage as outlined in the Inclusions & Exclusions of this Plan.

1.10 BER: Shall mean "Beyond Economical Repair" which refers to Claims where the cost of repairing the damaged/defective covered product exceeds a certain threshold as set forth in these T&Cs.

1.11 Documents/Mandatory Documents: Shall refer to all documents required for the registration and processing of a Claim under the Plan. All such documents, collectively, shall constitute the Mandatory Documents.

1.12, Lookit reserves the sole discretion to settle the claim by refunding the Customer an amount equivalent to the Sum Assured.

1.13 You: Shall mean the customer who has purchased this Value Added Services Plan.

2. Coverage & Plan Features:

The Complete Mobile Protection (CMP) Plan covers the specified Covered Product against:

(a) malfunctions covered by the original Manufacturer's Warranty and

(b) incidents of accidental & liquid damage, for the duration of the Covered Period.

During the Brand Warranty period Lookit shall only assist the Customer in getting the Claim serviced by the Brand. If the Claim is against Damage Protection, then Lookit shall be directly responsible for servicing the claim.

Plan Duration: Up to three (3) year depending on the chosen plan.

2.1 Plan Activation & Grace Period:

Plan shall be activated upon successful delivery of the Covered Product. During the first seven (7) days of the Plan Activation, there will be a grace period during which no claim will be admissible and any claim received is subject to be canceled.

3. Processing Fee (Non - Refundable)

A non refundable fee of 3-5% of Device Price (as per Invoice) which shall be applicable in case of Damage Protection.

4. BER, Refund & Cash Payout

4.1 In the event of Screen Damage, Lookit reserves the right, at its sole discretion, to offer the Customer a direct cash payout equivalent to 25% of the Invoice Value of the Covered Product, in lieu of repair.

4.2 For damages other than Screen Damage, Sum Assured shall be as follows:

Time period | Sum Assured

0-1 Year | 50%

1-3 Year | 30%

4.3 In case a device/ appliance cannot be repaired by the service Centre, the maximum claim limit will be paid after deduction of salvage fees. Salvage: 3% of the invoice value of the phone shall be applicable

4.4 A Covered Product shall be deemed Beyond Economic Repair (BER) under the following conditions: a) The estimated cost of repair exceeds the Sum Assured of the Covered Product.

b) In any event where a Covered Product is determined to be BER due to circumstances including, but not limited to, the unavailability of necessary spare parts or the product model being phased out by the manufacturer.

4.5 In case a device is determined to be BER as defined in Clause

4.6 Upon the completion of such a refund, this Plan shall be considered fulfilled and will immediately terminate. Consequently, the Customer shall have no further rights or entitlement to submit any new claims against the Covered Product under this Plan.

5. Exclusions:

5.1 Manufacturing Defects, including but not limited to DOA (Dead on Arrival) cases

5.2 Any intentional damage to the Insured appliance

5.3 Repair made at unauthorized repair center

5.4 Theft or Loss of device

5.5 Loss or damage to accessories (e.g. - Battery, remote, memory card)

5.6 Damage to the device because of usage not in accordance with manufacturer's guidelines

5.7 Minor damage/scratch on the device screen

5.8 General Wear and Tear

5.9 Loss of data or Loss of installed software

5.10 Loss due to confiscation by government/local authorities or security agencies

5.11 Loss/Damage during commercial hire/rent of the device

5.12 Loss/Damage during commercial transit

5.13 Loss/Damage during War/ Riots/ Fights/Act of terrorism/nuclear radiation

5.14 Commercial use of the insured appliance

5.15 Loss/ Damage due to transportation of the Insured appliance. This exclusion does not apply to routine carrying of portable devices during daily activities.

5.16 Damage/failure caused before or during Insured Product delivery or Installation

5.17 Damage caused by Theft, burglary, and accidents including earthquake, storms or hurricanes, abuse. misuse, sand, dust. water, nealigence. fire. flood, lightning, malicious damage, impact, corrosion, battery leakage, acts of God, animal or insect infestation or intrusion.

5.18 Breakdowns caused by computer virus to the Covered Product.

5.19 Costs if no faults is found with covered product.

5.20 Damage / failure caused by computer virus to the covered product

5.21 The cost of repairing, restoring or reconfiguring the computer software.

5.22 If the Covered Product has been re-sold, or is used for any unintended use by the original customer.

5.23 If the Covered Product is used for non-personal use (ex. commercial).

5.25 Any type of self. repair or attempted self repair.

5.26 Any damage or loss occasioned from any water borne craft, unless such damage is caused by the accidental ingress of liquid/water, and if the Customer has taken reasonable care to protect the Device from damage.

5.27 internal leakage or the battery, unless covered under the Brand Warranty.

5.28 Any loss related to indemnification for the Value-added services.

5.29 Minor damage/scratch on the device screen.

6 Claim process

6.1 Customers must report any damage to the covered product within three (3) days of its occurrence, provided such damage occurs within the active policy period along with all requisite supporting documents.

6.2 Upon intimation of any defect or damage by the Customer to Lookit, Lookit shall determine the mode of repair/ refund for the Customer.

6.3 In case of functional defects (owing to Brand Warranty), Lookit will immediately raise the claim and keep the customer informed.

6:4 In case of damage protection claims, the Customer will be required to submit the claim process, failing which the claim will be canceled and will not be re-logged.

6.5 After verification and processing of the mandatory documents, the Customer will have to pay the mandatory processing fee within three (3) days. Lookit will

convey the mode of payments to the customer. In case of discrepancy or documents are incomplete, the claim is subject to be rejected.

6.6 Once the customer has chosen any option out of Repair and Cash Payout, it can not be changed.

7. Mandatory Documents

Valid government issued ID proof of the Customer (except Aadhar card). Images of the damaged product from all the 4-sides (Front, Back, Left side & Right side) in full view without any screen guard or any cover, clearly reflecting the damage.

The IMEI number image in full view on the screen of the damage device

If the display is blank, an IMEI sticker should be visible on back panel of the phone. This will be accepted only for cases where the repair will be performed by Lookit.

NEFT details of the Customer for BER/Refund claims

8. Service Terms

8.1 In the event the Customer relocates, repair services under this Agreement shall be contingent upon the new address being within Lookit' serviceable territory. If the new address is unserviceable, Lookit may, at its sole discretion, offer a cash reimbursement. To qualify for such reimbursement, the Customer must first procure a repair from a brand-authorized service center and subsequently submit the following for verification:

a) The original, itemized repair invoice;

b) The official service job sheet; and

c) Clear images (as per Clause 7) of the Covered Product showing its serial number or IMEI.

8.2 For claims falling under the original manufacturer's warranty or for functional defects serviced by the brand, Lookit' obligation under this Agreement is limited to providing collection and delivery services for the Covered Product.

8.3 Service Level Agreement (SLA) and Exclusions:

8.3.1 Lookit shall use commercially reasonable efforts to meet its defined Service Level Agreement ("SLA"), subject to force majeure events and the exclusions listed herein.

8.3.2 If Lookit fails to meet the SLA for reasons within its reasonable control, the Customer will be entitled to a predefined service credit or compensation ("Token of Apology"').

8.3.3 The SLA calculation shall exclude any delays attributable to:

a. The Customer, including but not limited to, delays in the payment of any applicable fees.

b. Disruptions in the supply of spare parts from the manufacturer. In such an event, Lookit shall promptly inform the Customer and provide supporting confirmation from the brand where available.

8.4 All repairs performed by Lookit under this Agreement are warranted against defects in workmanship for a period of thirty (30) days, commencing from the date the repaired Covered Product is delivered to the Customer.

9. Other Miscellaneous Terms

9.1 On receipt of any Claims during the Brand Warranty period, Lookit shall only facilitate the service on-behalf of the Customer by coordinating with the brand.Lookit shall strive for keeping the customer informed at all times during the service request until the closure of the request. Lookit shall not be accountable or liable for any delay in service from the brand of such claims, and no refund will be provided by Lookit if at all required.

9.2 Lookit and/or the Insurer and/or the Service Provider shall not be liable for the exclusions as mentioned above.

9.3 In any action suit or other proceeding where Lookit alleges that by reason of the exclusion provisions any loss or defect is not covered by the terms, the burden of proving that such loss or defect is covered shall be upon the Customer.