Terms and Conditions of Policy Parivaar

Policy Parivaar Insurance Brokers Private Limited ("Parivaar") operates http://www.policyparivaar.com to offer consumers ease and choice in purchasing insurance products from multiple insurers. Parivaar is not an insurance company but a licensed insurance broker, registered with the Insurance Regulatory and Development Authority of India (IRDAI).

IRDAI Direct Broker Code: Reg No. IRDAI/DB/663 Valid till: 28/08/2027

The information presented on this Website/Portal by the Company concerning various insurance products available in the Insurance Market is intended to assist and benefit users. Its purpose is to help users make informed decisions by providing relevant details and guidance about different products. It is important to note, however, that the inclusion of such information and guidance on the Website/Portal does not constitute a recommendation by the Company or its representatives. Users should not interpret the content as an endorsement or suggestion to purchase any specific insurance policy or related products mentioned. The Company and its personnel remain neutral regarding the selection of products discussed on the Website/Portal.

Certain content on this website has been provided by participating insurance companies. Therefore, Policy Parivaar cannot guarantee the complete accuracy, timeliness, or completeness of all website information. Policy Parivaar does not guarantee the quality of advice or results derived from using the website.

To the maximum extent permitted by law, Policy Parivaar is not liable for any losses arising from website information. The final choice of product is the customer’s responsibility. Users should review all information and, if in doubt, consult Policy Parivaar or the relevant insurer before purchasing a product.

Decisions regarding the purchase of insurance policies must be made entirely by the User, based on their independent assessment of the policies and products available, as well as their own specific requirements.

The Company encourages all Users to carefully evaluate the features, terms, and suitability of any insurance product prior to making a purchase decision.

While every effort is made to ensure that the information and services offered on this Website / Portal are accurate and comprehensive, it is important to acknowledge that neither the Company nor its directors, employees, advisors, or affiliates shall, under any circumstance, be held liable for any losses or damages incurred as a result of reliance on information obtained from this Website/Portal. Users are advised to exercise discretion and undertake thorough due diligence before acting upon any information or advice provided herein.

Policy Parivaar acts as a facilitator for premium payment collection on behalf of the chosen insurer. The acceptance of the premium and issuance of the policy are subject to the insurer’s underwriting norms and discretion, beyond the control of Policy Parivaar. In the event of non-issuance of policy, Policy Parivaar will ensure refund of the payment received, as directed by the insurer.

Responsible Use and Conduct

By accessing this website and its resources ("Resources"), you agree to use them only as permitted by these terms and all applicable laws and regulations.

You may need to provide accurate, current information during registration or to use our Resources. You are responsible for maintaining the confidentiality and security of your login credentials, and for all activities under your account.

Unauthorised access, automated use, disruption, copying, or resale of any Resources is strictly prohibited. Policy Parivaar is not responsible for consequences arising from such activities, which may result in criminal or civil liability.

User Communications and Content

Open communication tools (comments, posts, chat, etc.) offered on the website are not pre-screened. By posting user content, you agree to do so ethically and lawfully. You must not upload, share, or distribute any content that:

• Is illegal, defamatory, harassing, explicit, or otherwise inappropriate.
• Infringes any intellectual property rights.
• Contains unauthorised advertising.
• Impersonates any entity, including Policy Parivaar or its representatives.

Policy Parivaar reserves the right to remove any content at its discretion and is not liable for any delay in removal. Posted content (except registration details) becomes the property of Policy Parivaar and may be used or reproduced as permitted by law. Registration details are protected under our privacy policy.

Indemnity and Liability

Users agree to indemnify and defend Policy Parivaar, its Directors, Officers, Employees, Consultants, Agents against all losses, costs, and claims arising from violation of these terms or unauthorised account use.

Limitation of Warranties & Liability

All website resources are provided "as is" and "as available." Policy Parivaar makes no guarantees regarding the accuracy, reliability, or suitability of Resources, and is not liable for any losses except up to fees paid for services, where applicable. No additional warranties of any kind are extended unless expressly stated.

Intellectual Property

All website materials, including content, branding, and code, are the intellectual property of Policy Parivaar and protected by law. Unauthorized reproduction or use is prohibited.

Termination

Policy Parivaar may terminate or suspend access to Resources for breach of these terms or other lawful reasons, without notice. Suspicious or illegal activity may be referred to authorities, and all account data may be deleted.

Guarantee Disclaimer

Except as expressly provided by Policy Parivaar, no warranties of merchantability, fitness for purpose, or non-infringement are given.