1. Description of Services

Policy Sansar provides users with access to comprehensive information on financial and insurance products, including but not limited to General Insurance, Life Insurance, and related services such as policy renewals (the "Service"). You are responsible for ensuring access to the site, which may involve third-party charges (e.g., internet service provider or mobile data fees). Additionally, you are responsible for providing the necessary equipment to access and use the site.

By using this site and providing your personal/contact details, you acknowledge your interest in exploring and purchasing the selected Service(s). You consent to being contacted by Policy Sansar via electronic communication or phone to discuss your chosen products, offer assistance with renewals, provide reminders, and fulfill your requests.

Furthermore, you agree that Policy Sansar may share your details with its affiliates and partners, who may contact you via email, phone, or SMS to provide relevant information or sales-related communication. You also consent to receiving promotional materials and special offers from Policy Sansar via email or SMS.

2. License and Site Access

Policy Sansar grants you a limited license to access and use this Site and its services for personal purposes only. This license strictly prohibits downloading or copying any information for the benefit of another individual, vendor, or third party. Unauthorized activities such as caching, creating hypertext links without permission, or framing any content from the Site are not allowed. Additionally, you may not upload, post, or transmit any content that you do not have the legal right to share, including copyrighted materials belonging to others. Uploading or transmitting files containing software viruses, malicious code, or any programs designed to disrupt, damage, or limit the functionality of any software, hardware, or telecommunications equipment is strictly forbidden. Furthermore, any action that imposes an unreasonable or disproportionately large load on Policy Sansar’s infrastructure, as determined solely by us, is not permitted. The use of data mining tools, automated bots, or similar methods to extract information from the Site is also prohibited. Bypassing or attempting to circumvent any security measures implemented by Policy Sansar to restrict access to the Site will result in immediate termination of the permissions or license granted to you. By using this Site, you agree that you will not:

• Use this Site or its content for any commercial purpose without authorization.
• Engage in speculative, false, or fraudulent transactions, including transactions made in anticipation of demand.
• Access, monitor, or copy any content or information from this Site using automated tools such as robots, spiders, or scrapers, or through manual methods without explicit written permission.
• Violate any restrictions set in the Site’s robot exclusion headers or attempt to bypass security measures designed to limit access to certain areas of the Site.
• Take any action that places an unreasonable or excessive load on our infrastructure, as determined at our discretion.
• Deep-link to any section of the Site, including the purchase path for services, without prior written authorization.
• "Frame," "mirror," or integrate any part of this Site into another website without express written consent from Policy Sansar.

3. Eligibility

The Service is not available to individuals under the age of 18 or to users who have been suspended or removed from the system by Policy Sansar for any reason. Each user is allowed to maintain only one active account, and the sale, transfer, or exchange of accounts to any third party is strictly prohibited. If you do not meet these eligibility criteria, you are not permitted to use the Service or access the Site.

4. Your Account

By using this Site, you confirm that you are of legal age to enter into a binding contract and are not restricted from receiving services under the laws of India or any other applicable jurisdiction. You agree to use the Site solely for making legitimate purchases for yourself or on behalf of another person for whom you are legally authorized to act. In such cases, you must inform the individual about the applicable Terms of Use (ToU) and Privacy Policy, as well as any rules and restrictions related to the purchase made on their behalf.

You also agree to provide true, accurate, current, and complete information as requested by the Site. If any information provided is found to be false, inaccurate, outdated, or incomplete—or if Policy Sansar has reasonable grounds to suspect such discrepancies—Policy Sansar reserves the right to suspend or terminate your account and restrict your access to the Site and its services.

As a user, you are responsible for maintaining the confidentiality of your account credentials, including your password, and for restricting unauthorized access to your device. You accept full responsibility for all activities conducted under your account. To ensure security, we strongly recommend logging out after each session. You must notify Policy Sansar immediately in case of any unauthorized use of your account or security breaches.

Policy Sansar reserves the right, at its sole discretion, to refuse service, terminate accounts, or modify or remove content at any time. Additionally, we may deny access to the Site or its services to any user who violates our ToU or Privacy Policy. Additional terms and conditions may apply when purchasing services through the Site. You agree to comply with all conditions set by the respective service providers, including timely payments and adherence to their usage policies.

Any violation of a service provider's terms may result in the cancellation of your purchase, denial of access to the selected service, forfeiture of payments made, and potential charges incurred by Policy Sansar due to your non-compliance.

5. Submitted Content

Policy Sansar does not claim ownership of any materials you submit or make available through the Site. However, at its sole discretion, Policy Sansar may choose to include such materials in the Service, either in whole, in part, or in a modified form. By submitting content to the Site, you grant Policy Sansar a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials, either fully or partially. This also includes the right to use the name associated with the submitted content.

You confirm and warrant that you have full rights to any content you provide, including but not limited to text, images, music, or videos, and that you are authorized to grant the license described above. Policy Sansar assumes no responsibility or liability for any content submitted by users. We have no obligation to publish user-submitted content and reserve the right to determine, at our sole discretion, which content is displayed on the Site. If you do not agree to these terms, please refrain from submitting any content. You are solely responsible for the material you submit.

• Any content that is unlawful, threatening, defamatory, obscene, pornographic, or that violates privacy rights or any applicable laws.
• Any commercial content, including but not limited to solicitations for funds, advertisements, or promotional materials.
• Any content that infringes on the intellectual property rights of any third party, including copyrights, trademarks, or patents.

You will be solely responsible for any damages resulting from violations of these restrictions or any other harm caused by the content you submit to this Site.

6. Disclaimer of Liability and Warranty

The content, products, and services provided on this site may contain inaccuracies or errors, including pricing mistakes. We do not guarantee the accuracy of the information and disclaim any liability for errors or inaccuracies related to the descriptions of content, products, and services. We reserve the right to correct any pricing errors on the site and/or on any pending reservations made under an incorrect price. Policy Sansar does not make any representation regarding the suitability of the information, software, products, or services available on this site for any particular purpose, and the inclusion of any products or services on this site does not imply any endorsement or recommendation of such offerings. All information, software, products, and services are provided "AS IS," without any warranty of any kind. Policy Sansar disclaims all warranties and conditions, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. The service providers offering services on this site are independent affiliates, and Policy Sansar is not responsible for any actions, errors, omissions, representations, warranties, breaches, or negligence by these service providers or for any personal injuries, deaths, property damages, or other damages or expenses that result. Policy Sansar and its affiliates will not be liable and will not offer refunds in the event of any delays, cancellations, strikes, force majeure events, or other causes beyond their control. They are also not responsible for any additional expenses, omissions, delays, or actions taken by any government or authority. Under no circumstances shall Policy Sansar or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising from your access to, use of, or inability to access or use this site.

7. Cancellation & Refund/ChargeBack Terms and Conditions

(a) Free Look Period Cancellation and Refund

In accordance with IRDAI rules and regulations, you have the right to cancel your insurance policy within 15 (fifteen) days from the date of (online) receipt of the policy (referred to as the "Free Look Period"). A refund of your premium amount will be processed following the procedures applicable by the insurer. The Free Look facility is available only for Life and Health insurance policies, subject to specific terms and conditions outlined by IRDAI. We recommend all customers carefully review the insurance policy document and utilize the Free Look facility if the terms and conditions do not align with your insurance requirements. Please note that once a cancellation request is placed within the Free Look Period, the policy will be canceled, and the full premium will be refunded to you, subject to the following deductions:

• Charges for any medical tests conducted
• Administrative and service costs such as stamp duty, etc.
• Charges for mortality during the policy's active period

Please be aware that these deductions are at the sole discretion of the insurer. All refund payments under this paragraph will be the responsibility of the insurer, in compliance with IRDAI rules and regulations. Policy Sansar has partnered with RBI-authorized payment gateways to facilitate online payments for your insurance premiums and acts solely as a facilitator, assisting customers in expediting refunds.

(b) Chargebacks

As a cardholder, you have the right to dispute a transaction carried out through our website and file a Chargeback with your issuing bank for a reversal of that transaction. Chargebacks allow you to reverse transactions under specific circumstances, such as:

• Alleged forgery of card details or bank account information
• Any charge/debit made on a card that has been blacklisted or listed in card association (Visa, MasterCard, etc.) warning bulletins
• Duplicate processing of the transaction
• Other reasons as per applicable rules and guidelines issued by RBI, card associations, or your card/payment instrument issuing bank

However, we reserve the right to reject a Chargeback under the following circumstances:

• If medical tests or underwriting are in progress with your chosen insurer, within 3 months from the date of your insurance policy application
• If there are delays caused by the insurer in conducting medical tests, underwriting, or issuing the insurance policy, within 3 months from the application date
• If your insurance policy application is rejected by the insurer after your medical test

Our company will not be liable for any claims, disputes, or proceedings related to Chargebacks initiated by you in the circumstances specified above in (a), (b), and (c).

8. Additional Terms and Conditions of proposal form (applicable for health insurance products only)

(i) You confirm, both on your behalf and on behalf of all individuals proposed to be insured, that the information, responses, and/or details provided by you are accurate and complete to the best of your knowledge. You are also authorized to propose on behalf of these individuals.

(ii) You understand that the information provided by you will serve as the foundation for the insurance policy, subject to the insurer's Board-approved underwriting policy, and that the policy will only become effective once the full premium payment is made.

(iii) You further declare that you will notify the insurance company in writing of any changes to the occupation or overall health of the person to be insured/proposer after submitting the proposal but before receiving communication about the acceptance of risk by the insurer.

(iv) You agree that the insurance company may request medical information from any doctor or hospital who has treated the person to be insured/proposer or from any past or present employer regarding matters affecting the physical or mental health of the insured/proposer. Additionally, the insurance company may seek information from any insurer who has previously received an application for insurance for the person to be insured/proposer for the purpose of underwriting the proposal and/or processing claims.

(v) You authorize Policy Sansar/Insurance Broking Company to share information related to your proposal, including the medical records of the insured/proposer, for the sole purpose of underwriting the proposal and/or processing claims, with any relevant Government or Regulatory authorities.

(vi) You consent to and authorize any authorized representatives of the insurance company, who are not direct employees of the company, to obtain medical information needed for policy issuance or claim settlement from any hospital/medical practitioner who has treated or may treat you or the person to be insured/insured regarding any illness, injury, or disease.

(vii) You acknowledge and agree to the following (Section 41 of the Insurance Act):

• No individual shall, directly or indirectly, offer or provide any rebate on the commission payable or premium shown on the policy as an inducement for taking out, renewing, or continuing an insurance policy related to any risk concerning lives or property in India, nor shall anyone accept such a rebate, except as allowed according to the published prospectuses or tables of the insurers.
• Any person failing to comply with this section may face a penalty of up to ten lakh rupees.

9. Customer Due Deligence requirements(CDD)

You agree and acknowledge that in order to complete any financial transaction through the website, Our Company may carry out client/customer due diligence measures and request mandatory information required for KYC purposes, which you are obligated to provide. This is necessary while facilitating your insurance request with the insurance company(ies) in accordance with applicable PMLA laws and regulations. Where required, you consent to Our Company obtaining your credit information through authorized entities. Our Company may collect enough information to establish, to its satisfaction or the insurer's satisfaction, the identity of each new customer and the intended nature of the insurance relationship between you and the insurance company(ies).

You agree and understand that any payment towards the insurance premium must be made from your personal bank account or a joint bank account where you are a joint account holder. If the payment is made from a bank account in the name of a third party (i.e., not in your name), you acknowledge and agree that Our Company may conduct enhanced due diligence, including requesting documentation, to ensure compliance with customer due diligence requirements. Additionally, you understand and agree that, in compliance with the PMLA Act and rules, all refunds will be processed by the insurance company(ies) through Our Company to the bank account used for the insurance premium payment.

10. License Disclaimer

Nothing on any Policy Sansar website shall be interpreted as granting any license to use Policy Sansar's or any third party's intellectual property rights, whether by estoppel, implication, or any other means.

11. Local Laws

Policy Sansar operates and controls this website from its headquarters in Mumbai, India, and makes no representations that the materials on the website are suitable or available for use in other locations. If you access this website from other locations, you are responsible for complying with applicable local laws, including but not limited to export and import regulations. Unless explicitly stated otherwise, all marketing and promotional materials on this website are intended solely for individuals, companies, or other entities located in India, and comply with the laws currently in force in India. Any disputes will be subject to the exclusive jurisdiction of the Courts in Mumbai.

12. Limitation of Liability

You explicitly agree and understand that Policy Sansar, along with its subsidiaries, affiliates, officers, employees, agents, partners, and licensors, shall not be liable to you for any direct, indirect, incidental, special, consequential, or exemplary damages. This includes, but is not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses (even if Policy Sansar has been advised of the possibility of such damages), arising from the use of the site, content, or any related services. If, despite the above limitation, Policy Sansar or its affiliates are found liable for any loss or damage arising from or connected to any of the situations described, the liability of Policy Sansar and/or its affiliates will be limited to the greater of: (a) the service fees you paid to Policy Sansar in connection with such transactions on the site, or (b) INR 100 (Rupees One Hundred only). This limitation of liability reflects the allocation of risk between the parties. The limitations outlined in this section will continue to apply even if any limited remedy specified in these terms fails to fulfill its essential purpose. These limitations of liability benefit Policy Sansar, its affiliates, and/or their respective service providers.

13. Indemnity

You agree to indemnify and hold Policy Sansar (including its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any claims, causes of action, demands, recoveries, losses, damages, fines, penalties, or other costs or expenses of any kind, including reasonable attorneys' fees, arising from or related to your breach of these Terms of Use, your violation of any laws or third-party rights, or your use of the site.

14. Electronic Communication

By using the site or sending emails to Policy Sansar, you are communicating with us electronically. You consent to receive electronic communications from Policy Sansar, which may include emails, notices posted on the site, phone calls, or other available communication methods. You agree that all agreements, notices, disclosures, and other communications provided electronically fulfill any legal requirements for such communications to be in writing.