Terms & Conditions

1. Who we are

The Website is operated by To be updated, with its registered office at A-126, Vipul World, Sector 48, Gurugram, Haryana 122018("we", "us", "our").

Insurance products shown on the Website are solicited by To be updated, To be updated, IRDAI Registration No. To be updated. Insurance is the subject matter of solicitation.

2. What our service is (and is not)

• We help you understand and compare insurance and loan products and arrange a callback from an advisor. We are not an insurance company, bank or NBFC, and we do not underwrite policies, settle claims or sanction loans.
• Whether a policy is issued, a claim is paid, or a loan is approved is decided solely by the insurer or lender, under their own terms, underwriting and credit policies.
• Premiums, interest rates, features and "starting from" prices on the Website are indicative. Actual terms depend on your age, health, location, credit profile, the product and the provider, and may change without notice.
• The policy wording, prospectus, sales brochure or loan agreement and Key Fact Statement issued by the provider are the final and binding documents. If anything on the Website differs from them, those documents prevail.
• Content on the Website is general information, not personalised financial, tax or legal advice.

3. Eligibility

• You must be at least 18 years old and a resident of India to submit an enquiry.
• You may submit only your own contact details, or those of a person who has authorised you to do so. Do not submit someone else's number without their permission.

4. Consent to contact you

When you submit your name and mobile number, you ask us to contact you about the product you selected. You authorise us, and the insurer, intermediary or lender handling your request, to contact you by phone call, SMS, WhatsApp or email for that purpose. This consent applies even if your number is registered on the National Customer Preference Register (DND/NCPR), to the extent permitted by the Telecom Regulatory Authority of India's rules.

• We aim to call within 9:00 AM – 9:00 PM, all days. We do not make promotional calls outside these hours.
• Calls may be recorded for quality, training and regulatory purposes. You will be told at the start of the call.
• You can withdraw consent at any time by telling the advisor, replying STOP to our messages, or writing to support@paisapolicy.in. We will stop promotional contact; we may still send messages needed for a policy or loan you already have.

5. Information you give us

You agree that the information you provide is true, complete and your own. Insurance contracts are based on utmost good faith: if you hide or misstate material facts (for example medical history, habits, income or vehicle details), the insurer may reject the proposal, reject a claim or cancel the policy. Lenders may reject or recall a loan for incorrect information.

6. Insurance-specific terms

• Insurance is the subject matter of solicitation. Buying insurance is entirely voluntary.
• Please read the policy wording, benefits, exclusions, waiting periods and terms before you buy. Most policies offer a free-look period during which you may return the policy as per the policy terms.
• Premium is always paid directly to the insurance company through its official payment channels. We will never ask you to pay a premium into a personal or third-party bank account.
• In line with Section 41 of the Insurance Act, 1938, we do not offer any rebate, cashback or inducement to buy a policy.
• For unit-linked (ULIP) products, the investment risk in the investment portfolio is borne by the policyholder, and returns are not guaranteed.

7. Loan and credit card terms

• Loans and cards are offered by RBI-regulated banks and NBFCs. The lender decides eligibility, amount, interest rate, fees and tenure, and must give you a Key Fact Statement (KFS) before you sign.
• Applying may result in the lender checking your credit report, which may be recorded as an enquiry.
• We never charge you a fee to get a loan approved, and we never ask for advance payments, OTPs, PINs or passwords. Repayments are made only to the lender.

8. Fees and how we are paid

Our service is free for you. We, or the IRDAI-registered intermediary we work with, may receive commission or remuneration from insurers or lenders as permitted by the applicable regulations. This does not increase the premium or interest you pay.

9. Acceptable use

You agree not to:

• submit false, misleading or someone else's details;
• use bots, scrapers or automated tools to access or copy the Website;
• try to interfere with the Website's security or operation; or
• use the Website for any unlawful purpose.

10. Intellectual property

The Website's design, text, graphics and logo belong to us or our licensors and may not be copied without permission. Names and trademarks of insurers, banks and other companies belong to their owners and are used only to identify their products. Their use does not imply endorsement unless stated.

11. Third-party websites

Links to insurer, lender or other websites are provided for convenience. We are not responsible for their content, products or privacy practices.

12. Limitation of liability

We take reasonable care to keep the Website accurate and available, but we do not guarantee it will be error-free or uninterrupted. To the extent permitted by law, we are not liable for decisions made by insurers or lenders (including underwriting, claim or credit decisions), or for indirect or consequential losses arising from use of the Website. Nothing in these Terms limits any liability that cannot be limited under law, or your rights under the Consumer Protection Act, 2019.

13. Indemnity

You agree to compensate us for losses caused by your breach of these Terms or by information you knowingly submitted falsely.

14. Complaints

If you are unhappy with our service, please follow our Grievance Redressal process.

15. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date shows the latest version. Continuing to use the Website after a change means you accept the updated Terms.

16. Governing law

These Terms are governed by the laws of India. Subject to your rights under consumer protection law, the courts at Gurugram, Haryana have jurisdiction over disputes relating to the Website.

17. Contact

Email support@paisapolicy.in or call +91 96255 78752 (9:00 AM – 9:00 PM, all days).