TERMS&CONDITIONS

Effective Date: 1 June 2025

Company Name: SAS Policy Value Hub Services

1. Introduction

Welcome to SAS Policy Value Hub Services (“we”, “us”, “our”). These Terms and Conditions (“Terms”) govern your use of our services related to insurance policy consulting, comparison, and facilitation. By accessing or using our services, you agree to be bound by these Terms.

2. Services Offered

We offer the following services:

  • Insurance policy consultation

  • Policy comparison and recommendations

  • Assistance with new policy issuance

  • Renewal support

  • Claims guidance

  • Policy servicing (subject to insurer’s process)

We do not act as an insurance company. We are facilitators or aggregators assisting you in understanding and obtaining policies from registered insurers.

3. Eligibility

To use our services, you must:

  • Be 18 years or older

  • Provide accurate and complete personal, financial, and health information

  • Agree to be contacted by our representatives for policy-related updates

4. Disclaimer

We do not guarantee policy approval, claim settlements, or specific outcomes. Final decisions lie solely with the respective insurance companies. We are not liable for any rejection, delay, or modification by them.

5. No Financial or Legal Advice

Our services are informational and facilitative in nature. We do not offer professional financial, tax, or legal advice. Always consult a certified advisor before making decisions.

6. Third-Party Insurers

We work with third-party IRDAI-registered insurance companies. All insurance products are governed by their respective terms, conditions, and underwriting norms. We are not responsible for their actions, terms, or policy changes.

7. Fees and Commission

We may receive commissions from insurance providers for policies sold through our facilitation. You are not charged any extra fees unless explicitly stated in writing.

8. Privacy Policy

Your data privacy is important to us. Personal information is collected, used, and shared as outlined in our Privacy Policy. We comply with applicable data protection laws.

9. Cancellation and Refund Policy

Policy cancellations and refunds (if applicable) are subject to the insurer’s guidelines. We will assist you in initiating such requests but cannot guarantee outcomes.

10. Limitation of Liability

We shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our services, including policy decisions, claim delays, or rejections.

11. Intellectual Property

All content on our website, branding, logos, and service materials are the intellectual property of SAS Policy Value Hub Services and may not be used without our permission.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of [Insert City, e.g., New Delhi/Mumbai].

13. Amendments

We reserve the right to modify these Terms at any time. Updates will be posted on our website. Continued use of our services constitutes acceptance of those changes.

14. Contact Information

For any queries or concerns, please contact:
📧 Email: contact@policyvaluehub.com
📞 Phone: +91 92891 22401

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