Effective Date: 28 April 2026
Last Revised: 28 April 2026
> ⚠️ LAWYER REVIEW REQUIRED BEFORE LAUNCH. This document is a comprehensive starting framework. Before onboarding real users and handling real insurance data, have it reviewed by a qualified Indian lawyer experienced in technology law, IRDAI regulations, DPDPA 2023, and consumer protection. Limitation-of-liability and AI disclaimer clauses in particular need jurisdiction-specific legal review.
---
By accessing or using the InsureGenie platform ("Service"), you ("User") agree to be bound by these Terms of Service ("Terms"). If you do not agree, you must not use the Service.
You may use the Service only if:
By using the Service, you represent that you meet all eligibility requirements.
We may update these Terms at any time. We will notify you of material changes at least 30 days in advance via email or prominent in-app notice. Your continued use after the effective date of revised Terms constitutes acceptance. If you do not agree to revised Terms, you must stop using the Service and may close your account.
---
InsureGenie is an AI-powered insurance education and advisory platform. We help Indian users understand their existing policies, evaluate new insurance options, track renewal dates, assist with claim processes, and make more informed insurance decisions.
> Registered intermediary status: [TO BE COMPLETED BEFORE LAUNCH — insert IRDAI registration number if applicable, or remove this line if operating as a pure tech platform]
We provide tools to:
Final insurance decisions, applications, and contracts are between the User and the insurer. We facilitate but do not substitute for that relationship.
Insurance products, regulations, and market conditions change. Information on our platform may not reflect the most current state. Always verify important information directly with insurers or their licensed representatives before acting.
---
IMPORTANT — READ CAREFULLY
InsureGenie uses AI language models (including Anthropic Claude and similar services) to generate responses, recommendations, and analyses. You acknowledge that:
Before making any insurance decision based on AI-generated content, you must verify:
We make no warranty — express or implied — regarding the accuracy, completeness, reliability, currency, suitability, or fitness for any particular purpose of AI-generated content. All AI-generated content is provided "as is."
You use AI-generated content entirely at your own risk. We expressly disclaim all liability for decisions made based on AI-generated content without independent verification.
---
All content on InsureGenie — including AI responses, product comparisons, premium estimates, coverage gap analyses, claim probability estimates, and educational articles — is for informational and educational purposes only.
Nothing on this platform constitutes:
Insurance decisions — particularly life insurance, health insurance, and pension plans — have significant long-term financial and personal consequences. We strongly recommend consulting:
Historical claim ratios, premium data, and comparative statistics are provided for informational purposes. Past performance is no guarantee of future results. Insurer performance, product terms, and regulatory requirements can change.
---
You agree to provide accurate, complete, and honest information when using the Service. This includes:
Indian law (and standard insurance contract terms) require honest disclosure of material facts in insurance applications. Providing false information in an insurance application can result in claim rejection and policy cancellation. We are not responsible for consequences arising from inaccurate information you provide.
You are responsible for:
You agree NOT to:
---
All content, code, design, user interface elements, databases, knowledge base, AI prompts and systems, brand assets, logos, and structure of InsureGenie are the intellectual property of [Company Name] ("Company") and are protected by Indian and international intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial insurance management purposes, subject to these Terms.
You may not:
Documents, data, and information you upload remain your property. By uploading content, you grant us a limited, non-exclusive license to process that content solely to provide the Service to you. We will not use your uploaded documents for any purpose beyond providing the Service, and we will not share your content with third parties except as described in our Privacy Policy.
---
We believe in full transparency about how we earn revenue.
When users purchase insurance policies through InsureGenie's facilitated channels, we may receive commission payments from insurers. These commissions are paid by insurers, not by users.
Our recommendation engine is designed to serve your interests. However, we acknowledge that the possibility of commission creates a potential conflict of interest. We mitigate this by:
We will never prevent you from purchasing directly from an insurer. Our facilitated purchase flow is a convenience, not a gate. You always have the option to purchase directly from the insurer's website or through their licensed agents.
All affiliate arrangements are maintained in compliance with IRDAI's guidelines on insurance marketing. Where required, disclosure of compensation arrangements is provided as mandated by regulation.
---
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
We are NOT liable for:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE INDIAN LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING FROM USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) FEES PAID BY YOU TO US IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR (B) ₹10,000 (RUPEES TEN THOUSAND) for free-tier users.
We are not liable for: indirect, incidental, special, consequential, punitive, or exemplary damages — including but not limited to loss of profits, business, data, goodwill, or anticipated savings — even if we have been advised of the possibility of such damages.
The legal relationship governing any insurance policy is between you and the insurer, governed by the policy document, Indian insurance laws, and IRDAI regulations. We are not a party to that relationship and bear no liability for any aspect of it.
> Note to our legal team: These limitation clauses must be reviewed for compliance with the Consumer Protection Act 2019, which may restrict the extent to which liability can be excluded for consumers. Limitation clauses may be unenforceable if deemed "unfair" under consumer protection law. Please advise on appropriate language and any required carve-outs.
---
You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from:
---
We may suspend or terminate your account at any time, with or without notice, for:
You may close your account at any time through account settings or by contacting us at the support address below. Upon account closure:
Regardless of account closure, we retain:
---
Before initiating any formal proceedings, you agree to first contact us at legal@insuregenie.in describing your dispute in detail. We will use reasonable efforts to resolve the dispute within 30 days.
For formal complaints, use our in-app grievance mechanism or contact our Grievance Officer (details in Section 14). Grievances will be acknowledged within 24 hours and resolved within 30 days (15 days for data-related grievances under DPDPA).
If amicable resolution fails, both parties agree to attempt mediation before litigation, through a mutually agreed mediator or the Indian Council of Arbitration (ICA).
These Terms are governed by the laws of India. Any dispute not resolved by mediation shall be subject to the exclusive jurisdiction of the courts in [City — to be specified before launch], India.
To the extent permitted by applicable law, you waive any right to participate in a class action or representative proceeding against us. You may only bring claims in your individual capacity.
---
We are not liable for any failure or delay in providing the Service caused by circumstances beyond our reasonable control, including: natural disasters, government actions or regulatory changes, pandemics, internet or telecommunications infrastructure failures, cyberattacks by third parties, labour disputes, or power failures.
---
If any provision of these Terms is found invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. All other provisions remain in full force and effect.
---
| Role | Contact |
|------|---------|
| General Support | support@insuregenie.in |
| Legal / Compliance | legal@insuregenie.in |
| Grievance Officer | grievance@insuregenie.in |
| Data Protection Officer | dpo@insuregenie.in |
| Registered Office | [Full address — required before launch] |
Grievance Officer: [Name — required, must be Indian citizen per IT Act 2000]
Response time: Acknowledged within 24 hours; resolved within 30 days
---
These Terms require explicit acceptance via checkbox at account creation. Using the Service without acceptance is not permitted.
For material changes to these Terms, we will require fresh acceptance via in-app notification. For non-material changes, continued use after the effective date of revised Terms constitutes acceptance.
Material changes will be notified at least 30 days in advance via:
---
InsureGenie is committed to being transparent, user-centric, and legally compliant. These Terms will evolve as our service, the law, and best practices evolve. Thank you for trusting us with your insurance journey.
---
Document version: 1.0.0
Effective: 28 April 2026
Next scheduled review: October 2026