Welcome to Atharv Assurance. By accessing or using our website and services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully before using our platform.

1. Nature of Services

Atharv Assurance is an independent service facilitation and customer support platform. We assist users with insurance-related coordination, documentation support, renewal assistance, financial product guidance, and allied service facilitation through our partner network.

We do not underwrite, issue, or directly sell insurance policies. Insurance products are issued by respective IRDAI-authorized insurers, brokers, or intermediaries subject to their terms, underwriting policies, and approvals.

2. User Responsibility

By using our services, you agree that:

• All information provided by you is true, accurate, and complete.
• You will not submit misleading, false, or fraudulent information.
• You are responsible for reviewing policy documents, terms, coverage, exclusions, and premium details before making any purchase decision.

3. Third-Party Services

Certain services available through Atharv Assurance may be provided by third-party insurance companies, brokers, NBFCs, banks, or financial institutions.

Atharv Assurance shall not be responsible for:

• Policy issuance decisions
• Claim approvals or rejections
• Loan approvals or disbursement timelines
• Changes in pricing, premium, or product terms by third parties

All such services remain subject to the respective provider’s terms and conditions.

4. No Financial or Legal Advice

The information provided on this website is for general assistance and informational purposes only. It should not be considered legal, financial, investment, or tax advice.

Users are advised to independently verify product suitability before making any financial decision.

5. Limitation of Liability

Atharv Assurance shall not be liable for:

• Any direct or indirect loss arising from the use of this website
• Delays caused by third-party service providers
• Technical interruptions, system errors, or website downtime
• Decisions made by insurers, financial institutions, or intermediaries

6. Intellectual Property

All content, branding, logos, text, graphics, and website materials are the property of Atharv Assurance unless otherwise stated. Unauthorized reproduction or misuse is prohibited.

7. Privacy & Data Usage

By submitting your information through our website, you consent to the collection and use of your details for service coordination, communication, and assistance purposes.

We do not sell personal information to unauthorized third parties.

8. Communication Consent

By sharing your contact details, you authorize Atharv Assurance and its service partners to contact you via phone call, SMS, WhatsApp, or email regarding services, renewals, offers, or support assistance.

9. Modification of Terms

Atharv Assurance reserves the right to update or modify these Terms & Conditions at any time without prior notice. Continued use of the website constitutes acceptance of such updates.

10. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of India. Any disputes shall be subject to the jurisdiction of competent courts in Delhi, India.