Terms of Service

Insurance Support by Hari Kotian (IRDAI Registration No: 0149161D) operates https://insurancesupport.online/ (the "Site"). These Terms of Service govern your access and use of the Site and our services.

Please read these Terms carefully before using the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Our Services

We provide independent insurance advisory services as an IRDAI-certified insurance advisor, including:

• Insurance policy comparison and recommendation (Life, Health, Motor, etc.)
• Claim recovery assistance for rejected insurance claims
• Policy review and consultation services
• Educational content and guidance on insurance topics
• Assistance with insurance applications and documentation

Important: We are an advisory service only. We do not underwrite, issue, or administer insurance policies. All insurance products are offered by the respective insurance companies licensed by IRDAI. We earn commissions from insurers for policies placed, disclosed to you upon request.

2. License and Access

We grant you a limited, non-exclusive, non-transferable license to access and use the Site for your personal, non-commercial use. You may not:

• Copy, modify, distribute, or create derivative works from Site content without written permission
• Use the Site for any unlawful purpose or in violation of these Terms
• Attempt to disrupt, interfere with, or gain unauthorized access to Site infrastructure
• Use automated systems (bots, scrapers) to access the Site without permission
• Misuse the Site to transmit malware or spam

3. Insurance Advisory Disclaimer

The Site provides general information only and does not constitute personalized financial, insurance, tax, or legal advice.

• Insurance needs vary by individual circumstances. Any recommendation is based on information you provide and general guidelines.
• We do not guarantee the accuracy, completeness, or suitability of any recommendation for your specific situation.
• All insurance decisions remain solely your responsibility. Always verify product details, terms, and eligibility with the insurer directly.
• Past performance, claim recovery results, or testimonials do not guarantee future outcomes.

4. Third-Party Content and Links

The Site may contain links to third-party websites, insurer portals, tools, and resources (e.g., IRDAI, Google Analytics, Microsoft Clarity, Google Ads).

• We do not control, endorse, or assume responsibility for third-party sites or services.
• We are not responsible for the content, privacy policies, or practices of third parties.
• Links are provided for convenience only and do not imply affiliation or endorsement.
• Your interactions with insurers and third parties are governed solely by their terms and conditions.

5. Disclaimer of Warranties

THE SITE AND ALL CONTENT, SERVICES, AND MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

• We do not warrant that the Site will be uninterrupted, secure, or error-FREE.
• We do not warrant that results obtained from using the Site will be accurate or reliable.
• We do not warrant that any defects will be corrected or that the Site is free of viruses or other harmful components.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

6. Limitation of Liability

To the fullest extent permitted by law:

• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, revenue, business, or opportunity.
• Our total aggregate liability for any claim relating to these Terms or the Site shall not exceed the amount you paid us for services in the 12 months preceding the claim, or INR 1,000 if no payment was made.
• We shall not be liable for any act, omission, error, or delay by any insurer or third party in the performance of their obligations to you.
• Nothing in these Terms excludes or limits our liability for fraud, gross negligence, or death resulting from our negligence.

7. Indemnification

You agree to defend, indemnify, and hold harmless Insurance Support by Hari Kotian, its owner, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Site or services
• Your violation of these Terms
• Your infringement of any third-party rights
• Your submission of false or incomplete information

8. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of India, without regard to conflict of law principles. The courts at Bengaluru, Karnataka shall have exclusive jurisdiction for any disputes arising from or related to these Terms or the Site.

9. Insurance Regulatory Compliance

We are registered with the Insurance Regulatory and Development Authority of India (IRDAI) as an insurance advisor (Registration No: 0149161D). Our services comply with IRDAI regulations for insurance intermediaries. We do not charge any fee directly from clients for insurance placement services.

10. Modifications to Terms

We may update these Terms from time to time. Changes are effective immediately upon posting. We will notify you of material changes via email or a prominent notice on the Site. Your continued use after changes constitutes acceptance.

11. Termination

We may suspend or terminate your access to the Site at any time, without notice or liability. Upon termination, your right to use the Site ceases immediately.

12. Contact Information