We may modify these Terms from time to time. Your continued use of the Website after such changes constitutes your acceptance of the revised Terms.

1. Our Services

Policy Adda provides insurance-related information, assistance and broking services, including facilitation of insurance proposals, policy purchase, renewals and related services for products offered by insurers. Information displayed on the Website is based on information received from insurers and other authorised sources. Policy Adda does not guarantee that all information, pricing, features, benefits or policy terms will always be complete, accurate or current. Insurance contracts are issued and underwritten by the respective insurers. The final decision regarding acceptance, rejection, premium, coverage, terms and claims rests with the concerned insurer, subject to its underwriting policies and applicable law. By submitting your contact or other personal information, you consent to Policy Adda contacting you through telephone, SMS, email, WhatsApp or other permitted communication channels regarding your enquiry, insurance requirements, renewals, service requests and related matters, subject to applicable law and your preferences.

2. Eligibility

You must be 18 years or older and legally capable of entering into a binding contract under applicable Indian law to use our services. You must provide accurate, complete and current information.

3. Account and Security

Where an account is required, you are responsible for maintaining the confidentiality of your login credentials and for all activities carried out through your account. You must immediately inform Policy Adda of any unauthorised access or suspected security breach.

4. Permitted Use

You may use the Website only for lawful and personal purposes connected with obtaining or managing insurance services. You must not copy, reproduce, modify or commercially exploit Website content; use bots, spiders or automated tools; introduce viruses or malicious code; attempt unauthorised access; impersonate another person; or use the Website for fraudulent or unlawful activities.

5. Information and Insurance Proposals

You are responsible for ensuring that all information, declarations and documents provided in connection with an insurance proposal are true, complete and accurate. Information provided in a proposal forms the basis of the insurance contract and is subject to the insurer's underwriting rules. Any material misrepresentation, suppression or non-disclosure may affect policy issuance, coverage or claim settlement in accordance with applicable law and the terms of the policy. For health and other applicable insurance products, you authorise the insurer and its authorised representatives to obtain and verify information, including medical information where lawfully permitted, for underwriting and claim settlement purposes.

6. Customer Due Diligence and KYC

Policy Adda may undertake customer due diligence, KYC and other verification as required under applicable laws, regulations and regulatory directions. You agree to provide such information and documents as may reasonably be required for these purposes. Insurance premium payments should generally be made from your own bank account or a joint account in which you are a holder, subject to applicable regulatory requirements. Where payment is made through a third-party account, enhanced due diligence may be undertaken.

7. Rebates and Inducements

No person shall offer or accept any rebate or inducement in relation to insurance premiums or commission except as permitted under applicable law, including Section 41 of the Insurance Act, 1938, as amended from time to time. Any violation may attract penalties under applicable law.

8. User-Submitted Content

You are responsible for any information, comments, documents, images or other content submitted by you through the Website. You must not submit content that is unlawful, defamatory, obscene, threatening, fraudulent, misleading, infringes intellectual property or privacy rights, contains malicious code, or otherwise violates applicable law. Policy Adda may remove or restrict access to any content that violates these Terms or applicable law.

9. Intellectual Property

All trademarks, logos, designs, text, graphics, software and other content available on the Website belong to Policy Adda or their respective owners and are protected by applicable intellectual property laws. You may not copy, reproduce, modify, distribute, publish, sell or commercially use such content without prior written permission. Access to the Website does not grant you any licence or ownership rights in its intellectual property.

10. Third-Party Links and Services

The Website may contain links to third-party websites, applications or services. Such links are provided for convenience only. Policy Adda does not control or endorse third-party websites and is not responsible for their content, availability, privacy practices, products or services. Your use of third-party services is subject to their respective terms and policies.

11. Disclaimer

The Website and its content are provided on an "as available" basis. While we endeavour to keep information accurate and updated, Policy Adda does not warrant that the Website or its content will always be complete, accurate, uninterrupted, error-free or free from harmful components. Insurance products, premiums, benefits, exclusions, terms and availability may change and are subject to the respective insurer's policies and applicable regulations. Nothing on the Website should be construed as a guarantee of policy issuance, coverage or claim settlement.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Policy Adda, its directors, employees, officers, agents and affiliates shall not be liable for any indirect, incidental, special or consequential loss arising from your use of the Website or reliance on its content. Nothing in these Terms shall exclude or limit any liability that cannot lawfully be excluded or limited under applicable Indian law.

13. Indemnity

You agree to indemnify and hold harmless Policy Adda, its directors, officers, employees, agents and affiliates against claims, losses, damages, penalties, costs and expenses arising from: your breach of these Terms; inaccurate, misleading or fraudulent information provided by you; your violation of applicable law; or infringement of any third-party rights by you.

14. Electronic Communications

By using our Website or providing your contact details, you consent to receiving communications electronically through email, SMS, WhatsApp, telephone or other permitted channels regarding your enquiries, policies, renewals, service requests and other related matters, subject to applicable law. Electronic communications shall be treated as valid communications to the extent permitted by law.

15. Suspension or Termination

Policy Adda may suspend or terminate your access to the Website or services if you breach these Terms, provide false information, engage in fraudulent or unlawful activities, or where required by law or regulatory authorities. Provisions relating to intellectual property, indemnity, limitation of liability, applicable law and other provisions intended to survive termination shall continue to apply.

16. Privacy

Your personal information will be collected, used, stored and processed in accordance with our Privacy Policy and applicable Indian laws and regulations. By using the Website, you acknowledge that you have read and understood the Privacy Policy.

17. Changes to Website and Terms

Policy Adda may modify, suspend or discontinue any part of the Website or services at any time, subject to applicable law. We may also amend these Terms. Updated Terms will be published on the Website and will become effective from the date specified therein or, where no date is specified, upon publication.

18. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India. Subject to applicable regulatory and statutory remedies, disputes arising in connection with these Terms shall be subject to the jurisdiction of the competent courts at Ranchi, Jharkhand, India.

19. General

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue to remain valid and enforceable. Failure by Policy Adda to enforce any provision shall not constitute a waiver of its right to enforce that provision subsequently. These Terms, together with the Privacy Policy and other applicable policies published on the Website, constitute the agreement governing your use of the Website and services.