Terms of Service
Last updated: January 2024
Welcome to The Insurance Agency. These Terms of Service govern your use of our insurance advisory services. By engaging with our services, you agree to be bound by these terms.
The Insurance Agency is an independent insurance advisory firm operated by Diwakar Cherukuwada, providing insurance consultation, policy comparison, and claims assistance services across Hyderabad and Telangana.
Services We Provide
- Insurance advisory and consultation services
- Policy comparison and recommendation based on your needs
- Assistance with insurance application and documentation
- Policy servicing including renewals, endorsements, and modifications
- Claims assistance and support throughout the settlement process
- Ongoing support and guidance for all insurance-related queries
Your Responsibilities
- Provide accurate and complete information for insurance assessment
- Disclose all material facts that may affect policy terms or premium
- Review policy documents carefully before acceptance
- Pay premiums on time to keep policies active
- Inform us of any changes in circumstances that may affect coverage
- Report claims promptly and provide required documentation
Limitations
- We are insurance advisors, not insurers - policies are issued by respective insurance companies
- Policy terms, conditions, and claim decisions are governed by the insurer
- Our recommendations are based on information provided by you
- We cannot guarantee claim approval as it depends on policy terms and insurer's assessment
- Premium quotes are indicative and subject to underwriting by the insurer
- Past performance of insurance products does not guarantee future results
Regulatory Compliance
- We operate in compliance with IRDAI (Insurance Regulatory and Development Authority of India) guidelines
- All insurance products are subject to terms and conditions of respective insurers
- Tax benefits mentioned are subject to prevailing tax laws
- We maintain confidentiality of client information as per applicable laws
- Disputes, if any, shall be subject to jurisdiction of courts in Hyderabad, Telangana
Modifications
- We reserve the right to modify these terms at any time
- Changes will be effective upon posting on our website
- Continued use of our services constitutes acceptance of modified terms
- We recommend reviewing these terms periodically
- Material changes will be communicated via email or phone
Important Disclaimer
Insurance is a subject matter of solicitation. Please read the policy documents carefully before concluding any sale. The information provided on this website is for general informational purposes only and should not be construed as professional advice. For specific insurance needs, please consult with our advisors who will assess your requirements and provide personalized recommendations.
For questions about these Terms of Service, contact us at diwakar@theinsuranceagency.in