Terms and Conditions

1. Purpose of the Website

Insurance Parivaar (tagline "Suraksha Aur Saath", website: https://myinsuranceparivaar.com) is an insurance guidance and agent-support brand. The website provides two distinct experiences:

• Customer Mode: For individuals and families seeking clear information and personalized guidance across insurance categories.
• Insurance Agent Mode: For individuals seeking onboarding guidance, training assistance, and process navigation to become insurance agents.

2. General Information Only — Not an Insurance Policy

All information, category overviews, comparisons, calculator projections, and explanatory content provided on this website are for educational and informational purposes only. Website content does not constitute a legal contract, underwriting offer, or replacement for official policy wordings issued by licensed insurance companies.

Actual policy coverage, waiting periods, sublimits, exclusions, co-payments, and terms are strictly governed by the relevant insurer's policy documents.

3. Roles of Relevant Insurers and Intermediaries

Insurance products are underwritten, offered, and issued exclusively by the respective licensed insurance companies. Insurance Parivaar does not underwrite policies, set premiums, or make claim settlement decisions. All claims and underwriting acceptances remain under the sole statutory discretion of the relevant insurer.

4. Agent Onboarding & Application Conditions

For aspiring and existing agents utilizing our platform:

• No Joining Fee Charged by Insurance Parivaar: Insurance Parivaar does not charge any joining or registration fee for agent support.
• No Commission Share Taken: Insurance Parivaar does not deduct or take any share from an agent's commission.
• Separate Third-Party Charges: Any applicable insurer appointment fees, training fees, statutory examination fees (e.g., IC-38), or third-party costs must be disclosed separately and are governed by the appointing insurer or authority.
• Appointment Discretion: Final appointment, licensing, and authorization depend on verifying eligibility, documentation, and the appointing entity's procedural criteria. Direct appointments with every insurer are not guaranteed.

5. Acceptable Website Use

By using this website, you agree to:

• Provide true, accurate, and current information in all enquiry and application forms.
• Not submit fraudulent requests, impersonate other individuals, or misuse contact details.
• Not interfere with website security, inject malicious code, or scrape data without written authorization.

6. Intellectual Property Rights

The Insurance Parivaar brand name, the tagline "Suraksha Aur Saath", custom graphics, logos, calculators, interactive tools, and editorial text are the intellectual property of Insurance Parivaar. Insurer logos, brand names, and trademarks belong to their respective corporate owners and are referenced solely for identification and facilitation purposes.

7. Limitation of Liability

Insurance Parivaar strives for complete accuracy and transparency. However, we do not warrant that all insurer product details, premium rates, or regulatory circulars are free from error or immediate change. Insurance Parivaar shall not be liable for any indirect, incidental, or consequential damages resulting from the use or inability to use this platform.

8. Governing Law & Contact

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. For any clarification regarding these terms, please contact: