Terms and Conditions of Policy Parivaar

Policy Parivaar Insurance Brokers Private Limited ("Parivaar") operates (https://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

Some information on this website is supplied 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 or recommendations. 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.

Policy Parivaar acts only 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, 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 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.