Terms of Use

By accessing Insuriam.com you accept the terms below. If you do not accept them, please stop using the website.

1. Nature of content

Everything on Insuriam.com is educational content about insurance. Nothing here is insurance advice, a recommendation to purchase or surrender a specific policy, a quote, or a solicitation to transact. Insuriam is not licensed by IRDAI as a broker, agent, or web aggregator.

2. No warranty on accuracy

We take editorial accuracy seriously, but insurance product terms, tax rules, and regulations change often. We do not warrant that every article reflects the latest amendment or circular at the moment you read it. Before acting, verify against the current policy document and the latest IRDAI publication or income-tax circular.

3. User responsibility

Any decision you take after reading Insuriam — buying, renewing, porting, surrendering, or skipping a policy — is your own. You are responsible for verifying the facts with the issuing insurer and, where relevant, consulting a licensed insurance advisor, chartered accountant, or lawyer.

4. Calculators

Calculators on Insuriam produce indicative educational estimates based on the formulas and assumptions disclosed on each calculator page. They are not quotes. Actual premiums and benefits depend on insurer underwriting, plan variant, rider choices, riders' terms, and your personal risk profile.

5. No sponsored recommendations

We do not publish sponsored recommendations disguised as editorial content. Any affiliate or partnership link is labelled. Editorial articles do not promise a commercial outcome.

6. Third-party links

Outbound links to insurers, regulators (IRDAI, Bima Bharosa), or affiliate platforms are provided for reader convenience. We do not control those sites and accept no responsibility for their content, availability, or policies.

7. Intellectual property

All original content (articles, glossary entries, calculator methodology, claim guides, illustrations) is © Insuriam.com unless otherwise stated. Short quotations for review or reference are welcome with attribution and a link back. Large-scale republication, scraping, or translation without written consent is prohibited.

8. Limitation of liability

To the fullest extent permitted by law, Insuriam.com and its contributors are not liable for any loss — direct, indirect, consequential, or incidental — arising from your use of this website or any decision taken based on its content. Insurance outcomes depend on underwriting, claim assessment, and policy terms that are beyond our control.

9. No endorsement of insurers

Mentioning an insurer or a product category in an educational context is not an endorsement. Claim settlement ratios and other IRDAI-published data points, where cited, reflect publicly available information at the time of writing.

10. Jurisdiction

These terms are governed by the laws of India. Any dispute is subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra, India.

11. Contact

Queries or legal notices: insuriamdotcom@gmail.com.

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