Terms of Service

1. Acceptance of Terms

By accessing and using Thodu Insurance, you accept and agree to be bound by the terms and provision of this agreement.

These Terms of Service apply to:

• All visitors and users of the website
• Anyone who registers for our services
• Anyone who subscribes to our newsletters or communications
• Anyone who contacts us through forms or other means

We reserve the right to update, change, or replace any part of these Terms of Service by posting updates on our website. Your continued use of the website following such changes constitutes acceptance of those changes.

2. Services Provided

Thodu Insurance provides the following services:

• Insurance advisory and consultation services
• Educational content about insurance
• Guidance on selecting appropriate insurance policies
• Assistance with insurance claims
• Personalized recommendations based on your needs
• Articles, guides, and resources about insurance

Please note that:

• We are not an insurance company
• We do not underwrite or issue insurance policies
• Final decisions about insurance purchases are made by you and the insurance provider
• We act as advisors and facilitators only

3. User Responsibilities

As a user of Thodu Insurance, you agree to:

• Provide accurate and truthful information
• Use the website and services only for lawful purposes
• Not misuse or abuse our services
• Not attempt to gain unauthorized access to our systems
• Not upload or transmit any harmful content or malware
• Respect the intellectual property rights of Thodu Insurance
• Not impersonate another person or entity
• Comply with all applicable laws and regulations

Violation of any of these responsibilities may result in termination of your access to our services.

4. Account Registration and Security

If you create an account with Thodu Insurance:

• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized use of your account
• You are responsible for all activities that occur under your account
• We reserve the right to suspend or terminate accounts that violate these terms

Security measures you should take:

• Use a strong and unique password
• Do not share your login credentials with anyone
• Log out after each session, especially on shared devices
• Keep your contact information up to date

5. Advisory Nature of Services

Important disclaimers about our advisory services:

• All advice and recommendations are provided in good faith based on available information
• We strive to provide accurate and up-to-date information, but we cannot guarantee its completeness
• Insurance products and regulations change frequently, and information may become outdated
• Our recommendations are general in nature and may not suit every individual situation
• You should conduct your own research and due diligence before making insurance decisions
• We recommend consulting with licensed insurance professionals for specific advice

Thodu Insurance is not liable for any decisions you make based on our advice or recommendations.

6. Intellectual Property Rights

All content on Thodu Insurance is protected by intellectual property laws:

• Text, graphics, logos, images, and software are owned by or licensed to Thodu Insurance
• You may not reproduce, distribute, or create derivative works without permission
• You may share our content for personal, non-commercial purposes with proper attribution
• Trademarks and brand names are the property of their respective owners

Permitted uses:

• Viewing and accessing content for personal information
• Sharing links to our articles on social media
• Downloading content for personal reference

Prohibited uses:

• Copying content for commercial purposes without permission
• Removing copyright or attribution notices
• Using our content to compete with our services

7. Third-Party Services and Links

Our website may contain links to third-party websites and services:

• Insurance company websites
• Government insurance portals
• Payment processors
• External resources and references

Please note:

• We do not control or endorse third-party content
• We are not responsible for their practices or policies
• Links are provided for convenience only
• You should review third-party terms and privacy policies independently

Thodu Insurance is not liable for any loss or damage arising from your use of third-party services.

8. Limitation of Liability

To the maximum extent permitted by law:

• Thodu Insurance is not liable for any direct, indirect, incidental, or consequential damages
• We are not responsible for losses arising from your use of our services
• We do not guarantee uninterrupted or error-free service
• We are not liable for decisions made based on our advice or information
• We are not responsible for insurance claims denied by insurance companies

This includes but is not limited to:

• Financial losses from insurance decisions
• Denied insurance claims
• Errors or omissions in our content
• Service interruptions or technical issues
• Unauthorized access to your account

Your sole remedy for dissatisfaction with our services is to stop using them.

9. Indemnification

You agree to indemnify and hold harmless Thodu Insurance, its officers, directors, employees, and agents from:

• Any claims arising from your use of our services
• Your violation of these Terms of Service
• Your violation of any rights of another party
• Any content you submit or share through our platform

This indemnification includes legal fees and costs incurred in defending against such claims.

10. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which covers:

• How we collect and use your personal information
• How we protect your data
• Your rights regarding your information
• Our use of cookies and tracking technologies

By using Thodu Insurance, you consent to our collection and use of information as described in our Privacy Policy. Please review our Privacy Policy to understand our practices.

11. Fees and Payments

Regarding our services and fees:

• Basic information and resources on our website are provided free of charge
• Some premium services may require payment
• Fees will be clearly disclosed before you commit to any paid service
• Payment terms and refund policies will be specified for each service
• We reserve the right to change our pricing with notice

For advisory services:

• We may receive commissions from insurance companies for policies purchased through our referrals
• Such commissions do not affect the price you pay for insurance
• We maintain objectivity in our recommendations despite commission arrangements

12. Termination

We may terminate or suspend your access to our services:

• Immediately, without prior notice, for any violation of these terms
• If we believe your actions may harm Thodu Insurance or other users
• For fraudulent or illegal activities
• At our sole discretion for any reason

Upon termination:

• Your right to use our services will immediately cease
• We may delete your account and data
• All provisions that should survive termination will remain in effect

You may also terminate your account at any time by contacting us or using account settings.

13. Modifications to Services

Thodu Insurance reserves the right to:

• Modify or discontinue any aspect of our services at any time
• Change features, functionality, or content without notice
• Impose limits on certain features or restrict access to parts of the service

We are not liable to you or any third party for any modification, suspension, or discontinuation of our services.

14. Governing Law and Jurisdiction

These Terms of Service are governed by:

• The laws of India
• Applicable regulations governing insurance advisory services in India

Dispute resolution:

• Any disputes arising from these terms will be subject to the exclusive jurisdiction of courts in India
• We encourage resolving disputes amicably through direct communication first
• You may contact us to discuss any concerns before pursuing legal action

15. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable:

The remaining provisions will continue in full force and effect

The invalid provision will be replaced with a valid provision that most closely matches the intent of the original

16. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Thodu Insurance.

They supersede all prior agreements and understandings, whether written or oral.

No waiver of any term will be deemed a further or continuing waiver of such term or any other term.

17. Contact Information

If you have questions, concerns, or feedback about these Terms of Service, please contact us:

• Through our Contact Us page on the website
• By email at [email protected]
• By phone at +91-9346807206

We will make every effort to respond to your inquiries promptly.

18. Updates to Terms

We may update these Terms of Service from time to time to reflect:

• Changes in our services
• Changes in legal or regulatory requirements
• Improvements to our policies and practices

When we make changes:

• We will post the updated terms on this page
• The "Last Updated" date will be revised
• Significant changes may be communicated through email or website notifications

Your continued use of our services after changes are posted constitutes acceptance of the updated terms.