Terms and Conditions

1. Introduction

Welcome to Sampurn Insurance Advisor. These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our services.

2. Our Services

Sampurn Insurance Advisor provides insurance advisory and consultation services. We help customers compare and select insurance products from various insurance companies including LIC, Star Health Insurance, Care Health Insurance, HDFC ERGO, HDFC Life, and New India Assurance. We act as intermediaries and advisors, not as insurance providers.

3. User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information for insurance applications
• Review all policy documents carefully before purchase
• Pay premiums on time to maintain policy validity
• Inform us of any changes to your contact information
• Not use our services for any unlawful purpose
• Keep your account credentials secure

4. Privilege Card Program

The Privilege Card is provided exclusively to Sampurn Insurance customers. Benefits and discounts are subject to:

• Availability at partner locations
• Partner's terms and conditions
• Maintaining active insurance policy status
• Presenting valid Privilege Card and identification
• Offers may change without prior notice

5. Disclaimers

While we strive to provide accurate information:

• Insurance policy terms are determined by the respective insurance companies
• Final policy coverage depends on the insurance company's underwriting
• We do not guarantee claim approval - claims are subject to insurance company's review
• Premium rates and benefits may vary based on individual profiles
• Past performance does not guarantee future results

6. Privacy and Data

Your privacy is important to us. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your personal information. View Privacy Policy

7. Limitation of Liability

Sampurn Insurance Advisor shall not be liable for:

• Direct or indirect damages arising from use of our services
• Actions or decisions of insurance companies
• Technical issues or service interruptions
• Third-party website content linked from our site
• Losses due to information provided by users being inaccurate

8. Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Continued use of our services after changes constitutes acceptance of the modified terms.

10. Governing Law

These terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Madhya Pradesh, India.