Terms and conditions

Effective date: 01/01/26 Last updated: 01/01/26

These Terms and Conditions (“Terms”, “Agreement”) govern your access to and use of InsureMyGoal.com (the “Website”) and any related services, content, tools, consultations, and communications provided by InsureMyGoal.com (“Company”, “we”, “us”, “our”). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, do not use the Website.

Definitions

  • Website: The domain InsureMyGoal.com and all associated pages, content, and services.
  • User/You: Any individual or entity accessing or using the Website or services.
  • Services: Insurance and investment advisory, portfolio analysis, plan selection, consultations, content, tools, and communications offered by us.
  • Content: Text, graphics, images, videos, documents, tools, calculators, and other materials on the Website.
  • Partners: Insurers, financial institutions, service providers, and their employees engaged to support advisory and onboarding processes.
  • Personal data: Any information that identifies or relates to an identifiable individual.

Acceptance of terms

By using the Website, you confirm that you are at least 18 years old, have the legal capacity to enter into this Agreement, and agree to comply with all applicable laws and these Terms. Continued use after updates constitutes acceptance of the revised Terms.

Scope of services

  • Advisory nature: Our Services provide general and personalized guidance based on information you share. They do not constitute legal, tax, or accounting advice.
  • No fiduciary duty: Unless expressly agreed in a separate written contract, we do not act as a fiduciary.
  • Third‑party products: We may present options from multiple insurers and financial institutions. Final product terms are governed by the issuing company’s policies and contracts.
  • Appointments & onboarding: We may facilitate meetings with direct employees of insurance companies to explain benefits, processes, and compliance.
  • No guarantee: Recommendations are based on available information and market conditions at the time; outcomes are not guaranteed.

User responsibilities

  • Accuracy: Provide complete, accurate, and current information for analysis and recommendations.
  • Compliance: Use the Website and Services in compliance with applicable laws and these Terms.
  • Security: Maintain the confidentiality of any account credentials and notify us of suspected unauthorized access.
  • Professional advice: Consult qualified professionals (e.g., tax advisors, lawyers) for specialized advice beyond our scope.

No purchase obligation

  • Consultation promise: Initial consultations and need analysis may be offered without any obligation to purchase. Any decision to buy is voluntary and subject to your independent judgment.

Disclaimers

  • Informational content: Content is provided “as is” for informational purposes and may not reflect the latest regulatory or market changes.
  • No warranties: We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non‑infringement.
  • Third‑party accuracy: We are not responsible for errors or omissions in third‑party materials, product terms, or external websites.
  • Availability: We do not warrant uninterrupted, secure, or error‑free access to the Website or Services.

Limitation of liability

  • Indirect damages: To the maximum extent permitted by law, we are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or business interruption.
  • Direct damages cap: Our aggregate liability for direct damages arising from or related to the Website or Services shall not exceed the greater of INR 10,000 or the amount you paid to us for Services in the 3 months preceding the claim.
  • Risk acknowledgment: You acknowledge that insurance and investment decisions involve risk, and you assume full responsibility for outcomes based on your choices.

Indemnification

You agree to indemnify, defend, and hold harmless InsureMyGoal.com, its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • Your use of the Website or Services;
  • Your breach of these Terms;
  • Your violation of any law or third‑party rights;
  • Your content or information provided to us.

Intellectual property

  • Ownership: The Website and Content are owned by InsureMyGoal.com or licensed to us and are protected by copyright, trademark, and other intellectual property laws.
  • Limited license: We grant you a non‑exclusive, non‑transferable, revocable license to access and use the Website for personal, non‑commercial purposes.
  • Restrictions: You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the Website or Content without prior written consent.
  • Trademarks: All trademarks, logos, and service marks displayed are the property of their respective owners. Use without permission is prohibited.

Third‑party links and services

  • External sites: The Website may link to third‑party websites or services. We do not endorse or control these and are not responsible for their content, policies, or practices.
  • Partner interactions: Your interactions with partners (including insurers and their employees) are subject to their terms and privacy policies.

Privacy and data protection

  • Privacy policy: Your use of the Website is subject to our Privacy Policy, which explains how we collect, use, share, and protect personal data.
  • Consent: By using the Website, you consent to processing of your personal data as described in the Privacy Policy.
  • Compliance: We strive to comply with applicable data protection laws. You may have rights to access, correct, delete, or restrict processing of your personal data.

Cookies and tracking

We use cookies and similar technologies to improve functionality, analyze usage, and personalize content. You can manage preferences via browser settings. For details, see our Cookie Policy.

Payment terms (if applicable)

  • Fees: Any fees for paid Services will be disclosed prior to purchase.
  • Billing: You authorize us to charge the payment method provided for applicable fees and taxes.
  • Refunds: Refunds, if any, are governed by our Refund & Cancellation Policy.

Prohibited activities

You agree not to:

  • Misuse: Use the Website for unlawful, fraudulent, or harmful purposes.
  • Interfere: Disrupt or interfere with security, integrity, or performance of the Website.
  • Scrape: Use automated means to access, scrape, or harvest data without permission.
  • Infringe: Upload or transmit content that infringes intellectual property or privacy rights.
  • Malware: Introduce viruses, worms, or malicious code.

Termination and suspension

  • By us: We may suspend or terminate your access at any time, with or without notice, for any reason, including violation of these Terms.
  • By you: You may stop using the Website at any time.
  • Survival: Provisions relating to intellectual property, disclaimers, limitation of liability, indemnification, and governing law survive termination.

Changes to the website and services

We may modify, suspend, or discontinue any part of the Website or Services at our discretion, with or without notice, and without liability.

Governing law and jurisdiction

  • Law: These Terms are governed by the laws of India, without regard to conflict of law principles.
  • Jurisdiction: Courts in Mumbai, Maharashtra, India shall have exclusive jurisdiction over disputes arising from or related to these Terms or the Website.

Dispute resolution

  • Good‑faith negotiation: Parties shall attempt to resolve disputes through good‑faith negotiations within 30 days.
  • Arbitration: If unresolved, disputes shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996, seated in Mumbai, conducted in English by a single arbitrator appointed mutually.
  • Injunctive relief: Either party may seek injunctive or equitable relief in court to protect intellectual property or confidential information.

Electronic communications and consent

By using the Website, you consent to receive communications electronically (email, SMS, WhatsApp, in‑app). You may opt out of marketing communications at any time; transactional communications may still be sent.

Force majeure

We are not liable for delays or failures due to events beyond our reasonable control, including acts of God, natural disasters, pandemics, war, labor disputes, governmental actions, or internet outages.

Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.

No waiver

Our failure to enforce any provision does not constitute a waiver of that or any other provision.

Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

Entire agreement

These Terms, together with the Privacy Policy, Cookie Policy, Disclaimer, and any service‑specific agreements, constitute the entire agreement between you and InsureMyGoal.com regarding the Website and Services.

Contact us

InsureMyGoal.com Email: connect@insuremygoal.com Phone: 7738704794 Address: Thane, Maharashtra.