Terms of Service

InsureWise Advisors is an insurance and financial advisory organization that helps individuals, families, and businesses identify suitable insurance and investment solutions. We work with licensed insurance companies and financial product providers in accordance with applicable regulatory frameworks.

You must be at least 18 years of age and legally capable of entering into a binding contract to use our services. By using this website, you represent and warrant that you meet these eligibility requirements.

Information on this website is provided for general informational purposes only and does not constitute a binding insurance contract, financial advice, solicitation, or recommendation. Specific recommendations are made only after a personalized advisory engagement that takes into account your individual circumstances, needs, and risk profile.

You agree to use the website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit the use and enjoyment of the website by any third party. Prohibited activities include:

• Attempting to gain unauthorized access to any part of the website or its underlying systems.
• Transmitting viruses, malware, or any other malicious code.
• Scraping, harvesting, or otherwise collecting information from the website without prior written consent.
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity.

All content on this website — including text, graphics, logos, icons, images, and software — is the property of InsureWise Advisors or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

You agree to provide accurate, current, and complete information when interacting with us, including during consultations, application forms, and proposal submissions. Inaccurate or incomplete disclosure may result in delays, denial of cover, repudiation of claims, or termination of policies by the underwriting insurer.

InsureWise Advisors facilitates the purchase of insurance and financial products. Final acceptance, policy issuance, premium calculation, and claim settlement decisions are made by the respective insurance company or product provider in accordance with their underwriting guidelines, policy terms, and regulatory requirements.

Our website may link to insurer portals, payment gateways, and other third-party services. We do not control these third-party sites and are not responsible for their content, terms, privacy practices, or availability. Your use of such third-party services is governed by their respective terms.

To the maximum extent permitted by law, InsureWise Advisors shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the website or our services. Our total liability for any claim arising under these Terms shall not exceed the amount of advisory fees, if any, paid by you to us in the preceding twelve months.

You agree to indemnify and hold harmless InsureWise Advisors, its directors, employees, and partners from any claims, damages, losses, or expenses arising out of your breach of these Terms, your violation of any law, or your infringement of any third-party rights.

These Terms are governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Kollam, Kerala.

We may revise these Terms from time to time. The revised Terms will be effective from the date of posting on this page. Your continued use of the website after such changes constitutes your acceptance of the revised Terms.