Terms of Service

Welcome to promoforinsurance.com (the "Website"), owned and operated by PromoForInsurance Technologies India Pvt. Ltd. ("Company", "we", "us", or "our").

By accessing, browsing, copying promo codes from, or submitting forms on this Website, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please immediately discontinue use of the Website.

1. Nature of Our Platform & Regulatory Status

PromoForInsurance.com is an independent digital media, educational portal, and promotional coupon aggregator.

• Not an Insurance Company: We are not an insurance company, underwriter, or risk carrier. We do not underwrite insurance risk or accept policy premium deposits on our balance sheet.
• Solicitation Disclaimer: Under Section 41 of the Insurance Act 1938 and IRDAI regulations, insurance is the subject matter of solicitation. Any insurance transaction, quote, proposal issuance, or claim settlement is entered into strictly between you (the policyholder) and the respective IRDAI-registered insurance company.
• No Financial Advice: Educational articles, CSR analyses, and calculator tools provided on this Website are for informational and planning purposes only and should not be construed as individualized chartered legal, actuarial, or tax advice.

2. Promo Code Usage & Validity

We make every commercial effort to verify that discount codes, voucher strings, and cash rebates listed on our portal are active and accurate. However:

• Insurers reserve the unilateral right to withdraw, modify, or expire any promotional campaign, web discount, or multi-year concession at their sole discretion without prior notice.
• Certain promotional codes may be contingent on specific eligibility conditions (e.g. non-smoker status, salaried occupation, minimum vehicle IDV, or specific policy tenures).
• PromoForInsurance is not liable if an insurer's checkout portal rejects a voucher code or alters its terms after publication.

3. Intellectual Property Rights

The content, layout, design, SVG graphics, calculators, articles, and code on promoforinsurance.com are the intellectual property of the Company and are protected under Indian and international copyright and trademark laws. You may not scrape, reproduce, republish, or syndicate our database of verified promo codes or educational guides for commercial resale without prior written authorization.

4. User Conduct & Form Submissions

When interacting with our forms (Subscribe and Contact), you represent and agree that:

• You will provide accurate, truthful, and lawful contact details.
• You will not inject malicious code, SQL injections, or automated spam bots into our API endpoints (/v1/subscribe and /v1/contact).
• You will not use our platform to defame, harass, or misrepresent any insurer, broker, or consumer.

5. Limitation of Liability

To the maximum extent permitted by applicable Indian law, PromoForInsurance Technologies India Pvt. Ltd., its directors, officers, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of, or inability to use, our Website or calculators.
• Any claim dispute, delay, deduction, or repudiation by any insurance company.
• Technical interruptions, server downtime, or transmission failures beyond our reasonable control.

6. Governing Law & Jurisdiction

These Terms shall be governed by, construed, and enforced in accordance with the laws of the Republic of India, without regard to its conflict of law principles.

7. Amendments to Terms

We reserve the right to modify these Terms at any time. Updated versions will be posted on this page with an updated "Last Revised" timestamp. Continued use of the Website following any changes constitutes acceptance of the revised Terms.

8. Legal Contact Information

For questions or formal legal notices regarding these Terms, contact our corporate legal cell: