JobShield is a digital product of Gryvora Technologies Private Limited (“Gryvora”, “we”, “us”), website gryvora.com. These Terms govern your use of the JobShield app and related services. By creating an account or using JobShield, you agree to these Terms and our Privacy Policy.
JobShield provides a digital platform for job loss (layoff) protection that vests as you pay monthly premiums. The maximum benefit and vesting period depend on your selected tier at activation. Cover shown in-app is indicative until payslip verification and insurer acceptance. Gryvora does not underwrite insurance. When cover is issued, the insurer named on your policy schedule underwrites the risk; that insurer’s policy terms, exclusions, and claim decisions apply. JobShield does not replace insurer terms or IRDAI/regulatory disclosures from the insurer.
Premiums and fees are collected via our payment service provider (currently Razorpay) using UPI AutoPay or your chosen method. Gryvora does not store your full card or UPI credentials; the payment service provider processes them under its own terms and applicable laws. Grace and lapse rules (shown in-app) apply if payment is overdue. Reinstatement requires payment of outstanding premium unless stated otherwise.
Job loss claims must be filed in-app for involuntary separation (not voluntary resignation). Payout is limited to vested cover at the date of claim, subject to verification by JobShield and/or the insurer. Partial claims may be allowed with proportional lock-in as per product rules. Final claim outcomes for insured cover follow the insurer’s process once cover is live.
You must add nominee details and confirm the nominee disclaimer before paying premium. Nominee information may be shared with the insurer partner for benefit payout purposes. For an active insured policy, also update nominees with your insurer when required.
Insurer is fixed for the policy life unless product rules allow change after the portability lock period shown on your dashboard.
You must provide accurate information, keep credentials secure, and use JobShield only for lawful purposes. We may suspend or restrict accounts for fraud, abuse, or material breach of these Terms.
Electronic records, digital communications, and online contracts formed through JobShield are intended to be used in accordance with the Information Technology Act, 2000 (and rules thereunder), to the extent applicable. Do not misuse the platform for unauthorized access, fraud, or other offences under that Act or other laws.
To the extent permitted by law, Gryvora is not liable for insurer underwriting decisions, claim admissions or rejections by the insurer, third-party outages (KYC, payments, OCR), or indirect losses. Platform schedule/certificate PDFs are JobShield summaries, not the insurer’s official policy document.
For product support and formal grievances related to JobShield/Gryvora processing, contact info@gryvora.com or use in-app Support. Insurance-specific grievances for issued cover may also need to follow the insurer’s grievance process and IRDAI channels as applicable.
We may update these Terms. Material changes are reflected in the consent/policy version shown in-app; continued use or re-acceptance after a version bump constitutes acceptance of the updated Terms.