Terms & Conditions

1. Nature of Services

Insurath provides insurance advisory and assistance services to help users understand insurance products and connect with licensed insurers.

We do not underwrite insurance policies.

All insurance products are issued by respective insurance companies.

2. Regulatory Compliance

Insurance advisory services are provided under:

Sipany SS Insurance Brokers LLP

License No. 773

LLPIN: AAT-4069

Validity: 21 Oct 2024 – 20 Oct 2027

All services comply with applicable IRDAI regulations.

3. User Responsibilities

By using this website, you agree:

• To provide accurate and complete information
• Not to misuse the website for unlawful purposes
• Not to submit false or misleading details
• Not to attempt unauthorized access or disrupt services

4. No Financial or Legal Guarantee

The information provided on this website is for advisory purposes only.

We do not guarantee:

• Approval of insurance proposals
• Claim settlement outcomes
• Specific premium rates

Final decisions rest with the insurance provider.

5. Quotations & Policy Issuance

• Premium quotes are indicative and subject to insurer underwriting.
• Policy terms, coverage, and exclusions are governed by the insurer.
• Users must review policy documents carefully before purchase.

6. Intellectual Property

All website content including text, graphics, logos, and design is the property of Insurath and may not be reproduced without permission.

7. Limitation of Liability

Insurath shall not be liable for:

• Losses arising from reliance on website information
• Policy rejection or claim disputes
• Technical interruptions or website downtime
• Actions of third-party insurers or service providers

8. Third-Party Services

We may connect users with insurance companies and service providers. We are not responsible for third-party actions, services, or decisions.

9. Privacy

Use of this website is also governed by our Privacy Policy.

10. Termination of Access

We reserve the right to restrict or terminate access to users who violate these terms.

11. Governing Law & Jurisdiction

These terms shall be governed by the laws of India.

Any disputes shall be subject to the jurisdiction of courts located in [Insert City, India].

12. Updates to Terms

We may update these Terms from time to time. Continued use of the website constitutes acceptance of the revised terms.