Terms of Use

1. Acceptance of Terms

By accessing or using our Services, you agree to be bound by these Terms of Use and our Privacy Policy.

2. Description of Services

SAS Insurance Guru provides insurance comparison, brokerage, and advisory services for various insurance products including:

• Motor Insurance (Car, Bike, Commercial Vehicle, Electric Vehicle)
• Health Insurance (Individual, Family Floater, Senior Citizen, Critical Illness)
• Travel Insurance (Domestic, International, Student Travel)
• Life Insurance (Term Life, Whole Life, ULIP, Endowment)
• SME/Business Insurance (Business Liability, Property, Cyber Insurance)

We act as an intermediary between you and insurance companies. Policies are issued by IRDAI-licensed insurance companies.

3. Eligibility

By using our Services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into a binding agreement
• All information you provide is accurate, current, and complete
• You will not use our Services for any illegal or unauthorized purpose

4. User Account

To access certain features, you may be required to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these Terms.

5. Intellectual Property

All content on our Services is the property of ShriAnandeshwar Services Pvt. Ltd. and is protected by copyright laws.

You may not reproduce, distribute, or commercially exploit any content without our prior written consent.

6. Prohibited Activities

You agree not to engage in any prohibited activities:

• Violating any applicable laws or regulations
• Impersonating any person or entity
• Interfering with or disrupting our Services or servers
• Attempting to gain unauthorized access to any portion of our Services
• Using any automated system to extract data from our Services (scraping)
• Submitting false or misleading information

7. Insurance Quotes & Policies

Insurance quotes are estimates based on the information you provide. Final terms are determined by the insurance company.

We do not guarantee availability of any policy. Insurance companies may accept or decline applications.

8. Third-Party Links

We are not responsible for the content or practices of any third-party websites linked to our Services.

9. Disclaimer of Warranties

YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. SERVICES ARE PROVIDED 'AS IS' AND 'AS AVAILABLE'.

We do not warrant that our Services will be uninterrupted, secure, or error-free.

10. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, or consequential damages.

• Your use or inability to use our Services
• Any conduct or content of any third party on our Services
• Unauthorized access to your transmissions or data

11. Indemnification

You agree to indemnify and hold harmless SAS Insurance Guru from any claims arising from your use of our Services or violation of these Terms.

12. Termination

We may terminate or suspend your account immediately without prior notice if you breach these Terms.

13. Governing Law

These Terms shall be governed by the laws of India. Disputes shall be subject to the jurisdiction of courts in Kanpur, Uttar Pradesh.

14. Dispute Resolution

Disputes shall first be attempted to be resolved through good-faith negotiations, then through arbitration as per the Arbitration and Conciliation Act, 1996.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use constitutes acceptance of new Terms.

16. Contact Us

If you have any questions about these Terms of Use, please contact us: