Terms of Services

Last Updated: 11 OCT 2025

Welcome to the website of Keyur Tirgar, Insurance Adviser. By accessing and using this website, you accept and agree to be bound by the terms and conditions outlined below.

Please read these terms carefully before using this website or availing any services.


1. About This Website

1.1 Website Purpose

This website is operated by Keyur Tirgar, an authorized agent of Life Insurance Corporation of India (LIC Agent Code: 04699-102) and certified adviser for multiple insurance companies. The website provides:

  • Information about insurance products and services
  • Educational content on financial planning and insurance
  • Consultation and advisory services
  • Contact information and inquiry options

1.2 Nature of Service

This website serves as an information portal and consultation platform. It does not constitute an offer to sell or solicitation to buy any insurance product. All insurance products are subject to the terms and conditions of the respective insurance companies.


2. Regulatory Compliance

2.1 IRDA Registration

Keyur Tirgar is a certified insurance adviser operating in compliance with the Insurance Regulatory and Development Authority of India (IRDA) regulations and guidelines.

2.2 Authorized Representation

  • LIC Agent Code: 04699-102
  • Licensed to distribute insurance products from multiple insurance companies
  • All recommendations and advice comply with IRDA code of conduct for insurance advisers

2.3 Regulatory Authority

All insurance products offered through this website are regulated by the Insurance Regulatory and Development Authority of India (IRDA).


3. Use of Website

3.1 Eligibility

You must be at least 18 years of age to use this website and avail insurance advisory services. By using this website, you represent and warrant that you meet this eligibility requirement.

3.2 Permitted Use

You may use this website for:

  • Obtaining information about insurance products
  • Scheduling consultations
  • Requesting quotes and comparisons
  • Educational purposes related to insurance and financial planning

3.3 Prohibited Use

You may not use this website to:

  • Transmit any unlawful, threatening, abusive, defamatory, or obscene content
  • Impersonate any person or entity
  • Distribute viruses or malicious code
  • Collect user information without consent
  • Engage in any activity that interferes with website functionality
  • Copy, reproduce, or distribute website content without permission

4. Information Accuracy and Disclaimer

4.1 General Information

All information provided on this website is for general informational purposes only. While we strive to keep the information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about:

  • The completeness, accuracy, reliability, or suitability of information
  • Product features, premiums, or terms (which may change)
  • Tax benefits or legal interpretations

4.2 Not Financial Advice

Content on this website does not constitute:

  • Professional financial advice
  • Legal or tax advice
  • An offer or guarantee of any specific insurance product
  • A substitute for personalized consultation

4.3 Insurance Products

All insurance products are:

  • Subject to underwriting and approval by respective insurance companies
  • Governed by the terms and conditions of the policy document
  • Subject to premium rates and features that may change
  • Dependent on individual eligibility and medical examination (where applicable)

4.4 Third-Party Information

Information about insurance products from various companies is based on publicly available data and company representations. We are not responsible for:

  • Changes in product features or premiums
  • Discontinuation of products
  • Policy terms and conditions set by insurance companies
  • Claims settlement decisions made by insurance companies

5. Advisory Services

5.1 Scope of Services

Our advisory services include:

  • Insurance needs analysis
  • Product comparison and recommendations
  • Application assistance
  • Post-purchase support
  • Claims assistance

5.2 No Guaranteed Outcomes

We do not guarantee:

  • Approval of any insurance application
  • Specific premium rates
  • Claim approval or settlement amounts
  • Investment returns (for market-linked products)
  • Policy issuance timelines

5.3 Client Responsibility

Clients are responsible for:

  • Providing accurate and complete information
  • Disclosing material facts during application
  • Reading and understanding policy documents
  • Making timely premium payments
  • Informing us of changes in circumstances
  • Maintaining policy documents

5.4 Independent Decision

Final decision to purchase any insurance product rests solely with the client. We provide recommendations, but clients must independently evaluate and decide based on their own assessment.


6. Fees and Commissions

6.1 Advisory Services

Consultation and advisory services provided by Keyur Tirgar are free of charge to clients.

6.2 Commission Disclosure

As an insurance adviser, I earn commissions from insurance companies for policies purchased through my services. These commissions:

  • Are paid by the insurance company, not the client
  • Do not increase the premium payable by the client
  • Are standard industry practice as per IRDA regulations
  • Do not affect my obligation to provide unbiased advice

6.3 No Hidden Charges

There are no hidden charges or fees for:

  • Consultation meetings
  • Policy comparisons
  • Application assistance
  • Claims support
  • Policy servicing

7. Privacy and Data Protection

7.1 Personal Information

By using this website or availing services, you consent to:

  • Collection of personal and financial information
  • Use of information for providing advisory services
  • Sharing information with insurance companies for application processing
  • Communication via phone, email, WhatsApp, or other means

7.2 Data Security

We implement reasonable security measures to protect your personal information. However, no method of transmission over the internet is 100% secure.

7.3 Third-Party Sharing

Your information may be shared with:

  • Insurance companies for policy application and processing
  • Medical examination centers (where required)
  • Service providers assisting with policy servicing

We do not sell, rent, or share your information with third parties for marketing purposes without your explicit consent.

7.4 Data Retention

We retain client information as required by:

  • IRDA regulations
  • Insurance company requirements
  • Legal and compliance obligations

For detailed information, please refer to our separate Privacy Policy.


8. Intellectual Property

8.1 Website Content

All content on this website, including text, graphics, logos, images, and software, is the property of Keyur Tirgar or licensed content providers and is protected by copyright and intellectual property laws.

8.2 Trademarks

  • LIC logo and trademarks belong to Life Insurance Corporation of India
  • Other insurance company logos and trademarks belong to respective companies
  • Use of these marks is for identification purposes only and does not imply endorsement

8.3 Restrictions

You may not:

  • Copy, modify, or distribute website content without permission
  • Use content for commercial purposes
  • Remove copyright or proprietary notices
  • Create derivative works from website content

This website may contain links to third-party websites (insurance companies, regulatory bodies, etc.). These links are provided for convenience only.

9.2 No Responsibility

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

9.3 User Discretion

Visiting external links is at your own risk. We recommend reviewing the terms and privacy policies of any third-party websites.


10. Limitation of Liability

10.1 Service Provision

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

  • Any direct, indirect, incidental, consequential, or punitive damages
  • Loss of profits, data, or business opportunities
  • Errors or omissions in website content
  • Interruption of service or website unavailability
  • Decisions made based on information provided

10.2 Insurance Company Decisions

We are not liable for:

  • Rejection of insurance applications
  • Claims denial or settlement disputes
  • Policy cancellations or lapses
  • Changes in product features or premiums
  • Actions or omissions of insurance companies

10.3 Maximum Liability

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


11. Indemnification

You agree to indemnify and hold harmless Keyur Tirgar from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

  • Your violation of these terms and conditions
  • Your violation of any rights of third parties
  • Misrepresentation or non-disclosure of material facts to insurance companies
  • Your use or misuse of this website

12. Client Obligations

12.1 Accurate Information

Clients must provide:

  • True, accurate, and complete information
  • All material facts relevant to insurance applications
  • Updated information about changes in health, occupation, or circumstances

12.2 Document Review

Clients must:

  • Carefully read all policy documents
  • Understand policy terms, conditions, and exclusions
  • Verify information in policy documents for accuracy
  • Raise queries about unclear terms before signing

12.3 Premium Payment

Clients are responsible for:

  • Timely payment of insurance premiums
  • Maintaining adequate bank balance for auto-debit
  • Informing about payment difficulties in advance

12.4 Policy Maintenance

Clients must:

  • Keep policy documents safe
  • Update nominee and contact details
  • Comply with policy terms and conditions
  • Inform about claims promptly

13. Cancellation and Refund

13.1 Free Look Period

Most insurance policies offer a "free look period" (typically 15-30 days) during which you can cancel the policy if not satisfied. Refund terms are governed by the insurance company's policy conditions.

13.2 Advisory Service Cancellation

You may discontinue using our advisory services at any time without penalty. However, commissions already earned on purchased policies are not refundable.

13.3 Policy Cancellation

For policy cancellations, surrenders, or refunds:

  • Contact us for assistance
  • Terms are governed by the insurance company's policy document
  • Surrender values and charges apply as per policy terms

14. Dispute Resolution

14.1 Grievance Redressal

For any complaints or grievances:

  1. First Contact: Keyur Tirgar directly via phone or email
  2. Response Time: We will acknowledge within 48 hours and resolve within 7-14 days
  3. Escalation: If unresolved, contact the respective insurance company's grievance cell
  4. IRDA: File complaint with IRDA's Integrated Grievance Management System (IGMS)

14.2 Insurance Ombudsman

For policy-related disputes with insurance companies, you may approach the Insurance Ombudsman as per IRDA guidelines.

14.3 Jurisdiction

Any disputes arising from these terms shall be subject to the exclusive jurisdiction of courts in [Your City], Rajasthan, India.

14.4 Governing Law

These terms and conditions are governed by the laws of India.


15. Modifications to Terms

15.1 Right to Modify

We reserve the right to modify these terms and conditions at any time. Changes will be effective immediately upon posting on the website.

15.2 Notification

Material changes will be notified through:

  • Website announcement
  • Email notification to registered users (where applicable)

15.3 Continued Use

Your continued use of the website after changes constitutes acceptance of modified terms.


16. Website Availability

16.1 Service Interruption

We do not guarantee uninterrupted access to the website. The website may be unavailable due to:

  • Maintenance and updates
  • Technical issues
  • Force majeure events
  • Third-party service provider issues

16.2 No Liability

We are not liable for any loss or inconvenience caused by website unavailability.


17. Force Majeure

We shall not be liable for any failure to perform obligations due to circumstances beyond our reasonable control, including:

  • Natural disasters
  • Acts of government or regulatory authorities
  • War, terrorism, or civil unrest
  • Internet or telecommunications failures
  • Pandemics or public health emergencies

18. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.


19. Entire Agreement

These terms and conditions, along with the Privacy Policy, constitute the entire agreement between you and Keyur Tirgar regarding the use of this website and services.


20. Contact Information

For questions about these Terms and Conditions, please contact:

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


21. Regulatory Information

Insurance Regulatory and Development Authority of India (IRDA)
Website: www.irdai.gov.in
Toll-Free Number: 155255 / 1800 4254 732

IRDA Integrated Grievance Management System (IGMS)
Website: https://igms.irda.gov.in


22. Important Disclaimers

Tax Benefits

Tax benefits are subject to changes in tax laws. Consult a tax advisor for personalized advice.

Investment Products

Market-linked insurance products (ULIP) are subject to market risks. Past performance is not indicative of future returns.

Medical Examination

Some policies require medical examination. Application approval depends on health assessment and underwriting.

Material Facts

Non-disclosure or misrepresentation of material facts may result in claim rejection. Always disclose complete and accurate information.

Policy Document

The insurance policy document is the final contract. Always read the policy document carefully and seek clarification on any unclear terms.


Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

If you do not agree to these terms, please do not use this website or avail our services.


These Terms and Conditions are designed to protect both clients and Keyur Tirgar while ensuring transparency and regulatory compliance. For any clarification, please feel free to contact us.


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

Last Updated: 11 OCT 2025