IRDAI Compliance Statement

1. What we are

Insuriam.com is an educational publisher. We produce long-form guides, a glossary, calculators that produce indicative educational estimates, and step-by-step claim walk-throughs. Our lane is education, not sales.

2. What we are not

• Not an IRDAI-licensed Insurance Broker (IRDAI Insurance Brokers Regulations 2018).
• Not an IRDAI-licensed Corporate Agent (IRDAI Registration of Corporate Agents Regulations 2015).
• Not an IRDAI-licensed Web Aggregator (IRDAI Insurance Web Aggregators Regulations 2017).
• Not a Point of Sale Person (POSP) — yet. We may register as a POSP via a licensed partner in Phase 2; if and when that happens, this page will say so clearly and commercial pages will be labelled.

3. What we will never do without a license

• Show live premium amounts from specific insurers.
• Compare specific branded policies with prices.
• Recommend a specific policy to a specific reader.
• Run “get a callback” or expert-call lead forms that feed into an insurer's sales pipeline.
• Sell, trade, or pass user data to insurers.

4. What we are careful about in our writing

We maintain an internal banned-vocabulary list and an automated scanner that runs on every commit. The scanner rejects phrasing that implies urgency, guarantees we cannot substantiate, or absolute superlatives. Phrases like claims of a “best policy” or a “100% claim settlement” are disallowed unless they appear in a context that explains why the phrase itself is misleading marketing.

Bona-fide insurance terms (for example, “guaranteed surrender value” as a defined policy feature) are explicitly allowed when used in a technical, educational context.

5. Dark patterns — our commitment

The CCPA Dark Patterns Guidelines 2023 and IRDAI's April 2026 directive identify thirteen manipulative design patterns. We reject all of them:

1. False urgency & countdown timers
2. Basket sneaking
3. Confirm shaming
4. Forced actions
5. Subscription traps
6. Interface interference
7. Bait-and-switch
8. Drip pricing
9. Disguised advertisements
10. Nagging pop-ups
11. Trick questions
12. SaaS billing
13. Rogue malware

If you spot any of these on Insuriam, please email insuriamdotcom@gmail.com and we will correct it.

6. Data — DPDP Act 2023

We do not collect health, financial, or insurance-policy data from visitors. We do not capture PAN, Aadhaar, or any insurer-issued identifier. Analytics (GA4, Microsoft Clarity) run on anonymised, aggregated signals. Full details on our privacy page.

7. Affiliate relationships (IR-8)

In Phase 1 we may add labelled referral links to IRDAI-licensed partner platforms (for example, POSP-framework aggregators). Every such link will be:

• Visibly labelled (“Partner link”).
• Accompanied by a short disclosure: we earn a referral fee if you purchase — this does not change the price you pay.
• Clearly separated from editorial paragraphs, not hidden inside them.

8. Phase-wise plan

9. Report an issue

If an article looks misleading, a calculator output looks wrong, or a disclosure is missing, please email insuriamdotcom@gmail.com. For grievances against an insurer, the right authorities are IRDAI Bima Bharosa and the Insurance Ombudsman.