Terms & Conditions
Last updated: [28/Sep/2025]
Welcome to Insucare (“we”, “us”, “our”, or “Insucare”). By accessing or using the website insucare.co.in (the “Website”) and the services offered through it (collectively, “Services”), you (the “User” or “you”) agree to be bound by the following Terms & Conditions (the “Terms”). If you disagree with any part of these Terms, please do not use the Website or Services.
1. Definitions
User / You / Your: Any individual or entity accessing or using the Website or Services.
Service(s): The insurance–related services (consultation, quote requests, policy facilitation, etc.) offered via the Website.
Content: All text, images, graphics, logos, software, audio, video, and other materials provided through the Website.
2. Eligibility
You represent and warrant that:
You are at least 18 years of age (or the legal age in your jurisdiction).
You have the legal capacity to enter into contracts.
You will comply with all applicable laws in using the Website and Services.
3. Use of the Website & Services
You agree to use the Website and Services only for lawful purposes and in a way that does not infringe the rights of others.
You shall not misuse the Website (e.g. by inserting malicious code, hacking, spoofing, interfering with other users’ access, or reverse engineering).
You may need to register or provide personal information to use certain features; you agree to provide accurate, current, and complete information.
4. Insurance Products & Advice
Insucare acts as an intermediary/advisor and does not itself underwrite insurance.
Any insurance policy obtained through Insucare is issued by insurance carriers; the terms, benefits, limitations, and exclusions are governed by the policy issuer.
We provide guidance and assistance, but the final decision to purchase, renew, or claim rests with you and the insurer.
We do not guarantee acceptance of any insurance application or the availability of specific terms.
5. Quotes, Payments & Refunds
Quotes provided are indicative and subject to change based on underwriting, risk assessment, and insurer policies.
Payment terms for any premium or fee will be as agreed with the insurer or Insucare.
Refunds (if any) will be processed in line with insurer rules and applicable laws. Insucare is not liable for insurer decisions on refunds.
6. Intellectual Property
All Content on the Website is the property of Insucare or its licensors and is protected by copyright, trademark, or other intellectual property laws.
You may not copy, distribute, republish, transmit, or create derivative works from our Content without our express written consent.
7. Third‑Party Links & Services
The Website may contain links to third‑party websites or services. We do not control or endorse those, and are not responsible for their content, practices, or policies.
Your interaction with third parties (e.g. insurers, portals) is at your own risk.
8. Disclaimers & Limitation of Liability
The Website and Services are provided “as is” and “as available” without warranties of any kind, either express or implied.
We do not guarantee uninterrupted, secure, or error‑free operation.
To the maximum extent permitted by law, Insucare shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of the Website or Services.
Our total aggregate liability arising out of or in connection with these Terms shall not exceed the fees you have paid (if any) to Insucare in the past 12 months.
9. Indemnification
You agree to indemnify, defend, and hold harmless Insucare, its officers, directors, employees, affiliates, and agents from and against any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of:
Your breach of these Terms.
Your misuse of the Website or Services.
Your violation of any applicable law or third‑party rights.
10. Modifications to Terms & Services
Insucare may modify or revise these Terms at any time by posting the updated Terms on the Website.
Continued use of the Website or Services after changes constitutes acceptance of the new Terms.
We may also suspend, discontinue, or change parts of the Website or Services at our discretion.
11. Termination
We may suspend or terminate your access to the Website or Services at any time, without notice, for conduct that violates these Terms or for any other reason.
Upon termination, your rights to use the Website cease, but obligations accrued prior remain enforceable.
12. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of India.
Any dispute arising out of or relating to these Terms or your use of the Website shall be submitted to the courts in Bengaluru, Karnataka, India, unless otherwise agreed.
13. Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall still apply.
14. Contact Information
If you have any questions about these Terms, please contact:
Email: sharan@insucare.co.in
Phone: +91 9886523069
Address: Insucare, #66/1 1st Floor, Hennur Main Road, Near Hennur Bus Depot, HRBR Layout, Bangalore – 560043