Disclaimer

Last Updated: 11 Oct 2025


Important Notice

Please read this disclaimer carefully before using this website or availing services from Keyur Tirgar, Insurance Adviser. By accessing this website or using our services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.


1. General Disclaimer

1.1 Nature of Information

All information provided on this website is for general informational and educational purposes only. The content is not intended to be:

  • Professional financial advice
  • Legal or tax advice
  • Investment advice
  • A substitute for professional consultation
  • An offer or guarantee of specific insurance products
  • A comprehensive guide to insurance or financial planning

1.2 No Warranty

While we strive to provide accurate and up-to-date information:

  • We make no representations or warranties of any kind, express or implied
  • We do not guarantee the accuracy, completeness, reliability, or suitability of information
  • Information may become outdated or change without notice
  • We are not responsible for errors or omissions in content

1.3 Use at Your Own Risk

Your use of this website and any reliance on information provided is solely at your own risk. We shall not be liable for any loss or damage arising from:

  • Use of information on this website
  • Decisions made based on website content
  • Reliance on recommendations or suggestions
  • Technical issues or website errors

2. Insurance Products Disclaimer

2.1 Product Information

Information about insurance products on this website:

  • Is based on publicly available information from insurance companies
  • May change without notice
  • Is subject to verification from insurance companies
  • May not include all terms, conditions, and exclusions
  • Should not be considered as complete product documentation

Always refer to the official policy document from the insurance company for complete and accurate information.

2.2 No Guarantee of Availability

  • Insurance products mentioned may be modified, discontinued, or replaced
  • Product features, premiums, and benefits may change
  • Availability depends on insurance company decisions
  • Not all products may be available in all locations

2.3 Illustrations and Examples

Premium calculations, illustrations, and examples provided:

  • Are indicative only
  • Based on current rates and assumptions
  • May not reflect actual premiums
  • Subject to underwriting and risk assessment
  • Do not constitute a quote or offer

Actual premiums may vary based on age, health, occupation, sum assured, and other factors.


3. Advisory Services Disclaimer

3.1 Nature of Advice

Keyur Tirgar provides insurance advisory services as:

  • An authorized agent of Life Insurance Corporation of India (LIC Agent Code: 04699-102)
  • A certified adviser for multiple insurance companies
  • An intermediary between clients and insurance companies

3.2 Limitations of Advice

Our recommendations:

  • Are based on information you provide
  • Depend on your unique circumstances and needs
  • May not be suitable if your situation changes
  • Do not guarantee policy approval or issuance
  • Are subject to insurance company underwriting

3.3 No Guarantee of Outcomes

We DO NOT guarantee:

  • Approval of insurance applications
  • Specific premium rates
  • Policy issuance within specific timeframes
  • Claim approval or settlement
  • Investment returns (for market-linked products)
  • Tax benefits (subject to tax law changes)

3.4 Independent Decision

Final decision to purchase any insurance product rests solely with you. You should:

  • Conduct your own research
  • Read policy documents carefully
  • Understand terms, conditions, and exclusions
  • Consult other professionals if needed (legal, tax, financial advisers)
  • Make informed decisions based on your assessment

4. Medical and Health Disclaimer

4.1 Not Medical Advice

Information about health insurance and medical requirements:

  • Is for general informational purposes only
  • Does not constitute medical advice
  • Should not replace consultation with healthcare professionals
  • May not apply to your specific health situation

4.2 Medical Examination

  • Some insurance policies require medical examination
  • Results may affect policy approval and premium rates
  • We do not control medical examination processes
  • We are not responsible for medical examination outcomes

4.3 Pre-Existing Conditions

  • Disclosure of all medical conditions is mandatory
  • Non-disclosure may result in claim rejection
  • Pre-existing condition coverage depends on policy terms
  • Always disclose complete and accurate health information

5. Financial and Investment Disclaimer

5.1 Market-Linked Products (ULIP)

For Unit Linked Insurance Plans (ULIP) and market-linked products:

⚠️ MARKET RISKS WARNING:

  • These products are subject to market risks
  • Fund value may increase or decrease based on market performance
  • Past performance is not indicative of future returns
  • No guaranteed returns on investment component
  • You bear all investment risks

Read all scheme-related documents carefully before investing.

5.2 Not Investment Advice

  • We provide insurance advisory services, not investment advice
  • For investment decisions, consult qualified financial advisers
  • Insurance should primarily be for protection, not investment
  • Investment-linked insurance has different risk-return profiles

5.3 Returns and Maturity Benefits

  • Guaranteed maturity benefits depend on policy terms
  • Bonuses (if any) are subject to company performance
  • Non-guaranteed benefits may vary
  • Surrender values may be lower than premiums paid

6. Tax Benefits Disclaimer

6.1 Tax Information

Information about tax benefits:

  • Is based on current tax laws
  • May change with amendments to tax legislation
  • Applies generally and may not suit your specific situation
  • Should be verified with tax professionals

6.2 Common Tax Provisions

Section 80C: Life insurance premiums (subject to conditions)
Section 80D: Health insurance premiums (subject to limits)
Section 10(10D): Maturity proceeds (subject to conditions)

These are subject to change and individual circumstances.

6.3 Consult Tax Adviser

We strongly recommend consulting a qualified tax adviser or chartered accountant for:

  • Personalized tax advice
  • Tax planning strategies
  • Current tax law interpretations
  • Filing tax returns

We are not tax advisers and do not provide tax advice.


7. Claims Disclaimer

7.1 Claims Process

While we provide claims assistance:

  • Final claim decisions are made by insurance companies
  • We do not control claim approval or rejection
  • We cannot guarantee claim settlement
  • Settlement amount and timeline depend on insurance company

7.2 Claim Rejection

Claims may be rejected for various reasons including:

  • Non-disclosure of material facts
  • Policy lapse due to non-payment of premium
  • Exclusions as per policy terms
  • Fraudulent claims
  • Waiting period not completed
  • Documentation deficiencies

7.3 Our Role

We assist with:

  • Documentation guidance
  • Form filling support
  • Coordination with insurance companies
  • Follow-up on claim status

We cannot override insurance company decisions or guarantee claim approval.


8. Third-Party Disclaimer

8.1 Insurance Companies

  • We represent multiple insurance companies
  • Each company has its own terms, conditions, and processes
  • We are not responsible for insurance companies' actions or decisions
  • Refer to individual insurance company policies and grievance procedures

This website may contain links to:

  • Insurance company websites
  • Regulatory authority websites
  • Educational resources
  • News articles and publications

We are not responsible for:

  • Content on third-party websites
  • Privacy practices of external sites
  • Accuracy of information on linked sites
  • Products or services offered by third parties
  • Actions taken based on third-party content

8.3 Third-Party Services

When using third-party services (payment gateways, document storage, etc.):

  • You are subject to their terms and conditions
  • We are not liable for their actions or failures
  • Security and privacy depend on their practices

9. Website Technical Disclaimer

9.1 Website Availability

  • We do not guarantee uninterrupted website access
  • Website may be unavailable due to maintenance, technical issues, or other reasons
  • We are not liable for loss or inconvenience due to website unavailability

9.2 Technical Accuracy

  • While we strive for error-free content, technical errors may occur
  • Calculations, illustrations, and tools are provided "as is"
  • Always verify information independently

9.3 Compatibility

  • Website may not function properly on all devices or browsers
  • We recommend using updated browsers for best experience
  • Mobile experience may differ from desktop

9.4 Cybersecurity

While we implement security measures:

  • No system is 100% secure
  • We cannot guarantee protection against all cyber threats
  • Users should take precautions (strong passwords, secure connections)

10. Communication Disclaimer

10.1 Email and Electronic Communication

  • Email and electronic communications may not be secure
  • Confidential information should be shared through secure channels
  • We are not responsible for unauthorized access to electronic communications
  • Verify authenticity of communications claiming to be from us

10.2 Response Time

While we strive to respond promptly:

  • Response times may vary
  • We do not guarantee immediate responses
  • Emergency situations should be addressed through phone calls

10.3 Phone and WhatsApp

  • Phone conversations may be recorded for quality and training
  • WhatsApp communications are subject to WhatsApp's terms and privacy policy
  • Important decisions should be documented in writing

11. Regulatory Disclaimer

11.1 IRDA Registration

Keyur Tirgar is:

  • An authorized agent of Life Insurance Corporation of India (Agent Code: 04699-102)
  • A certified insurance adviser registered with insurance companies
  • Compliant with IRDA (Insurance Regulatory and Development Authority of India) regulations

11.2 Regulatory Compliance

  • All services are provided in accordance with IRDA guidelines
  • We follow IRDA code of conduct for insurance advisers
  • Regulatory requirements may change

11.3 Regulatory Authority

For insurance-related grievances:

Insurance Regulatory and Development Authority of India (IRDA)
Website: www.irdai.gov.in
IGMS Portal: https://igms.irda.gov.in


12. Geographic Limitations

12.1 Service Area

Primary service area: All Over Rajasthan

  • Face-to-face consultations available in Banswara and nearby areas
  • Remote consultations available across India
  • Services subject to insurance company geographic restrictions

12.2 Regulatory Jurisdiction

  • Services governed by laws of India
  • Insurance products available to Indian residents
  • NRI policies subject to specific terms and conditions

13. Age and Eligibility Disclaimer

13.1 Age Requirements

  • Insurance advisory services intended for adults 18+ years
  • Insurance policy eligibility depends on age criteria set by insurance companies
  • Age limits vary by product type

13.2 Eligibility Criteria

Insurance eligibility depends on:

  • Age
  • Health condition
  • Occupation
  • Lifestyle factors
  • Income level
  • Residency status

Meeting website eligibility does not guarantee insurance policy eligibility.


14. Changes and Updates Disclaimer

14.1 Content Updates

  • Website content may be updated without notice
  • Check "Last Updated" date for currency of information
  • We are not obligated to update outdated content immediately

14.2 Product Changes

  • Insurance products and features change frequently
  • Information may become outdated between updates
  • Always verify current product details with insurance companies

14.3 Regulatory Changes

  • Insurance regulations may change
  • Tax laws may be amended
  • IRDA guidelines may be updated

Stay informed about changes that may affect your insurance decisions.


15. Professional Disclaimer

15.1 Scope of Expertise

Keyur Tirgar is qualified and experienced in:

  • Insurance advisory services
  • Product comparison and recommendations
  • Insurance needs analysis
  • Claims assistance

We are NOT:

  • Chartered Accountants (for tax advice)
  • Lawyers (for legal advice)
  • Financial Planners (for comprehensive financial planning)
  • Investment Advisers (for investment portfolio management)
  • Medical Professionals (for health advice)

15.2 Specialist Consultation

For specialized advice, consult:

  • Tax Matters: Chartered Accountant or Tax Adviser
  • Legal Issues: Lawyer
  • Investment Planning: SEBI-registered Investment Adviser
  • Estate Planning: Estate Planning Specialist
  • Health Matters: Medical Professionals

16. Testimonials and Reviews Disclaimer

16.1 Client Testimonials

Any testimonials or client reviews on this website:

  • Reflect individual experiences
  • May not be representative of all client experiences
  • Are provided with client consent
  • Do not guarantee similar outcomes for others

16.2 Results Disclaimer

Past results and experiences:

  • Do not guarantee future results
  • Are specific to individual circumstances
  • May not be typical of all situations

17. Translation Disclaimer

17.1 Language

Primary language of this website is English.

17.2 Translations

If translations are provided:

  • English version prevails in case of conflict
  • Translations may not be exact
  • We are not responsible for translation errors

18. Limitation of Liability

18.1 No Liability

To the fullest extent permitted by law, Keyur Tirgar shall not be liable for:

  • Direct, indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities
  • Claims arising from use of website or services
  • Actions or omissions of insurance companies
  • Third-party actions or content

18.2 Maximum Liability

In no event shall our total liability exceed the commission earned on the specific policy in question.

18.3 Force Majeure

We are not liable for failure to perform obligations due to circumstances beyond reasonable control including:

  • Natural disasters
  • Acts of government
  • Internet or technology failures
  • Pandemics or public health emergencies

19. Specific Insurance Type Disclaimers

19.1 Life Insurance

  • Sum assured should be adequate for family needs
  • Disclose all material facts including health, occupation, lifestyle
  • Understand policy terms before signing
  • Premium payment is your responsibility

19.2 Term Insurance

  • Pure protection plan with no maturity benefit
  • Premium is not refunded if policy survives the term
  • Renewal depends on policy terms
  • Coverage ends at policy expiry

19.3 Health Insurance

  • Read exclusions and waiting periods carefully
  • Pre-existing diseases may have waiting periods
  • Sub-limits may apply to specific treatments
  • Claim settlement depends on medical necessity and policy terms

19.4 ULIP (Investment Insurance)

  • ⚠️ Subject to market risks
  • Charges reduce fund value
  • Lock-in period applies (typically 5 years)
  • Partial withdrawals subject to conditions

19.5 Pension Plans

  • Retirement corpus depends on contribution and returns
  • Annuity rates may vary
  • Tax treatment subject to laws at the time of withdrawal
  • Consider inflation impact on retirement planning

19.6 Child Plans

  • Premium commitment required till maturity
  • Maturity amount may not be sufficient for actual education costs
  • Consider inflation in education costs
  • Supplement with other savings if needed

20. Commission Disclosure

20.1 Earning Commission

As an insurance adviser, Keyur Tirgar earns commission from insurance companies on policies sold.

20.2 No Additional Cost

  • Commissions are paid by insurance companies
  • You pay the same premium whether buying directly or through an adviser
  • Advisory services are free for you

20.3 Unbiased Advice

  • Commission structure does not influence recommendations
  • Advice is based on your needs and best interests
  • We disclose commission arrangements upon request

21. Fraudulent Activities Warning

21.1 Beware of Fraud

Protect yourself from insurance fraud:

  • Verify agent credentials (LIC Agent Code: 04699-102)
  • Make premium payments only to insurance companies
  • Obtain official receipts for all payments
  • Never pay cash to agents directly
  • Verify policy documents received

21.2 Official Channels Only

Authorized Contact Details:

  • Phone: +91 9784309640
  • Email: tirgarkuriya@gmail.com
  • Website: www.keyurbanswara.com

Report any suspicious activity immediately.


22. Critical Information Statement

⚠️ IMPORTANT - READ CAREFULLY

Before purchasing any insurance policy:

  1. ✓ Read the policy document completely
  2. ✓ Understand all terms, conditions, and exclusions
  3. ✓ Disclose all material facts honestly
  4. ✓ Ask questions about anything unclear
  5. ✓ Verify premium amount and payment terms
  6. ✓ Check coverage amount adequacy
  7. ✓ Understand claim process and requirements
  8. ✓ Keep all policy documents safe
  9. ✓ Note policy renewal dates
  10. ✓ Understand free-look period rights

Insurance is a contract of utmost good faith. Non-disclosure or misrepresentation may result in claim rejection.


23. Acceptance of Disclaimer

By using this website or availing services from Keyur Tirgar, you acknowledge that:

  • You have read and understood this disclaimer
  • You accept all terms and limitations stated
  • You agree to use information at your own risk
  • You will not hold us liable beyond stated limitations
  • You understand the nature and scope of services provided

If you do not agree to this disclaimer, please do not use this website or services.


24. Contact for Clarifications

For any questions or clarifications about this disclaimer:

Keyur Tirgar
Insurance Adviser

Phone/WhatsApp: +91 9784309640
Email: tirgarkuriya@gmail.com
LIC Agent Code: 04699-102

Office Address:
Manglam Complex, Banswara 327001
Rajasthan, India


25. Severability

If any provision of this disclaimer is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.


26. Entire Agreement

This disclaimer, together with Terms and Conditions and Privacy Policy, constitutes the complete understanding regarding website use and services.


Final Note

This disclaimer is designed to inform you of the limitations and scope of services provided. Insurance decisions are important financial decisions. We encourage you to:

  • Seek clarification on any doubts
  • Consult multiple sources of information
  • Read all policy documents carefully
  • Make informed decisions
  • Maintain open communication with us

Your financial security is important. Let's work together responsibly.


Keyur Tirgar
LIC Agent Code: 04699-102
IRDA Certified Insurance Adviser
Serving All Over Rajasthan

Last Updated: 11 Oct 2025


This disclaimer provides important information about the limitations and scope of services. It is designed to protect both clients and the adviser while promoting transparency and informed decision-making.

Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus, or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.