Effective Date: 22/04/2025
Company: Troth Insurance Broking and Consultants Pvt. Ltd. (“Troth Insurance”, “we”, “us”, “our”)
Please read these Terms and Conditions (“Terms”) carefully before using the website operated by Troth Insurance. By accessing or using our website, you agree to be bound by these Terms. If you disagree with any part of the terms, please do not use our services.
1. Eligibility
By using this website, you represent that you are at least 18 years old and legally capable of entering into a binding agreement.
2. Services Overview
Troth Insurance offers a variety of general and life insurance policies through its website. This includes information on insurance products, premium calculators, online purchases, renewals, claims filing, and customer support.
3. User Responsibilities
You agree to:
- Provide accurate and current information during policy purchase or inquiries.
- Maintain confidentiality of your login credentials.
- Not use the website for unlawful, misleading, or harmful activities.
4. Intellectual Property Rights
All content on this website—including text, graphics, logos, icons, images, and software—is the property of Troth Insurance or its content suppliers and is protected by applicable intellectual property laws.
5. Privacy Policy
Your use of the website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal data.
6. Insurance Product Terms
Each insurance product is governed by its own policy document, schedule of benefits, and disclosures. Please read these carefully before purchase. Troth Insurance is not liable for claims not covered by the selected policy or for user misinterpretation of coverage details.
7. Payment Terms
- Premiums must be paid as per the frequency chosen.
- Payments made via third-party payment gateways are subject to their terms.
- Troth Insurance is not responsible for failed or delayed payments due to technical issues.
8. Cancellation & Refund
Policy cancellation is governed by the IRDAI regulations and individual product terms. Refunds, if applicable, are processed after adjusting applicable charges and deductions as per the policy rules.
9. Claims Process
Claims must be reported as per the timelines mentioned in the policy document. Troth Insurance reserves the right to seek additional documents or verification before processing any claim.
10. Limitation of Liability
Troth Insurance shall not be liable for any indirect, incidental, special, or consequential damages arising out of the use of or inability to use the services. We make no guarantees about the continuous availability of the website.
11. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for the content, policies, or practices of these sites.
12. Amendments to Terms
We may update these Terms at any time. Your continued use of the website post changes constitutes your agreement to the revised Terms.
13. Governing Law
These Terms shall be governed by the laws of India. Any disputes arising will be subject to the jurisdiction of the courts in [City, e.g., Mumbai or Ahmedabad].
14. Contact Information
For any queries or concerns about these Terms, please contact:
Email: [email protected]
