📜 Terms & Conditions
Last updated: June 2026 | Please read carefully before using our services
1. ✅ Acceptance of Terms
By accessing kumarinsurance.co.in, using our website, contacting us via WhatsApp, or requesting any service, you ("User") agree to be bound by these Terms and Conditions.
If you do not agree with any part of these terms, please discontinue use of our services immediately.
Yeh terms aapko aur Kumar Insurance dono ko protect karte hain — please poora padhein.
2. 🏢 Nature of Our Services
Kumar Insurance is an insurance advisory and assistance service. We are NOT an insurance company, insurer, or underwriter.
- We provide guidance to help you understand and compare insurance products
- We facilitate connections between customers and IRDAI-registered insurance companies
- We use technology platforms (including Turtlefin/Turtlemint — an IRDAI-registered entity) to generate quotes and process policies
- All insurance policies are issued by the respective insurance companies, not by Kumar Insurance
Important: Kumar Insurance does not underwrite, guarantee, or take responsibility for any insurance policy, claim, or coverage. All policy terms are governed by the respective insurer's policy document.
3. ⚠️ Important Disclaimers
We do not guarantee:
- Policy approval or issuance by any insurer
- Claim settlement or any specific claim amount
- Accuracy of quotes (final premium may vary at insurer's discretion)
- Continuous availability of any specific insurance product or plan
- That any policy will meet your specific needs
Information Accuracy: While we strive to provide accurate information, insurance products, terms, and pricing change frequently. Always verify final details directly with the insurance company before making any payment.
Not Financial/Legal Advice: Nothing on this website constitutes professional financial, legal, or tax advice. Consult a qualified professional for such guidance.
4. 👤 User Obligations
By using our services, you agree to:
- Provide accurate, complete, and truthful information at all times
- Not provide false RC numbers, age, health details, or any misrepresentation
- Understand that insurance contracts require full disclosure — non-disclosure may lead to claim rejection
- Not use our services for any illegal, fraudulent, or unauthorized purpose
- Not share or resell any quotes, reports, or information provided to you
- Take independent responsibility for your insurance decisions
Critical: Providing false information for insurance purposes is a criminal offence under Indian law and will result in claim rejection and potential legal action.
5. 💰 Quotes & Pricing
- All quotes provided are indicative and subject to final insurer verification
- Premium amounts may change based on insurer's underwriting decisions
- GST at applicable rates (18%) is additional on all insurance premiums
- Quotes are valid for a limited period as specified by the respective insurer
- Kumar Insurance does not charge any additional fee to customers for quote generation
- We earn commissions from insurance companies as permitted by IRDAI regulations
6. 📋 Policy Audit Service
Our free Policy Audit service is provided on a best-effort, advisory basis:
- The audit is based on information provided by you — we are not responsible for inaccuracies in your input
- Audit recommendations are general advisory and not binding financial advice
- Decisions to surrender, modify, or continue any existing policy should be made after consulting the respective insurer and a qualified advisor
- Kumar Insurance is not liable for any financial loss arising from decisions based on audit recommendations
- Surrendering existing policies may result in loss of benefits — please verify surrender value with your insurer
Humara audit honest aur unbiased hai — lekin final decision hamesha aapka hoga. Kisi bhi policy ko band karne se pehle apne insurer se surrender value zaroor confirm karein.
7. 📱 WhatsApp Communication
- By submitting your mobile number, you consent to receive communications via WhatsApp
- Communications include: quotes, follow-ups, policy information, and renewal reminders
- You can opt out anytime by replying "STOP" to any WhatsApp message
- We will make a maximum of 3 follow-up attempts for any single query
- WhatsApp communications are subject to WhatsApp's own Terms of Service
- Do not share sensitive financial data (bank details, card numbers, OTPs) via WhatsApp
8. ⚖️ Limitation of Liability
To the maximum extent permitted by applicable law, Kumar Insurance shall not be liable for:
- Any claim rejection, policy cancellation, or insurer dispute
- Financial losses arising from reliance on quotes or advisory provided
- Technical failures, website downtime, or data transmission errors
- Actions or omissions of insurance companies, their agents, or Turtlefin/Turtlemint platform
- Inaccurate information provided by users leading to policy issues
- Any indirect, incidental, or consequential damages
Our maximum liability in any case shall not exceed the advisory fees, if any, paid by you to Kumar Insurance for the specific service in question.
9. 💡 Intellectual Property
All content on kumarinsurance.co.in including text, graphics, logos, and design is the property of Kumar Insurance and protected under applicable intellectual property laws.
- You may not copy, reproduce, or redistribute any content without written permission
- You may share links to our website for personal, non-commercial purposes
- Quotes and reports generated for you are for your personal use only
10. 🏛️ Governing Law & Disputes
These Terms are governed by the laws of India. Any disputes arising from use of our services shall be subject to the exclusive jurisdiction of courts in New Delhi, India.
In case of any grievance, please contact us first at info@kumarinsurance.co.in or +91-9217-59-5078. We will endeavor to resolve disputes within 30 days of receipt.
If unresolved, disputes may be escalated to IRDAI's Bima Bharosa grievance portal or the appropriate consumer forum.