The information provided on TruePolicy (www.truepolicy.in) is for general informational purposes only. All information is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Platform.

Important: TruePolicy is NOT an insurance company, broker, web aggregator, or intermediary. We are a technology platform — an agent discovery directory — that facilitates connections between users and independent IRDAI-licensed insurance agents. We do NOT:

• Sell, underwrite, or distribute insurance products
• Provide insurance advice, quotes, or product recommendations
• Act as an intermediary in insurance transactions
• Earn commission on insurance policies sold by listed agents
• Guarantee the quality, accuracy, or suitability of any insurance product
• Hold any IRDAI registration as an insurance intermediary

All policies displayed in agent profiles are issued, sold, and serviced directly by the agent and their associated insurance companies. TruePolicy earns revenue solely from agent registration fees and subscription tiers — never from premiums or commissions.

All insurance agents listed on TruePolicy are independent professionals or representatives of insurance companies. While we verify their IRDAI license credentials at registration:

• We do not employ, supervise, or control the agents
• We are not responsible for their advice, recommendations, or services
• We do not guarantee the quality, accuracy, or appropriateness of their services
• Agents are solely responsible for their professional conduct and compliance with regulations
• Any agreements or transactions are directly between you and the agent

The information on TruePolicy does not constitute professional insurance, financial, legal, or tax advice. You should:

• Consult with qualified professionals before making insurance decisions
• Carefully read all policy documents and terms
• Verify agent credentials independently if desired
• Understand your insurance needs and options thoroughly
• Not rely solely on information from our Platform for important decisions

While we strive to maintain accurate and up-to-date agent profiles:

• Information is provided by agents themselves and may not always be current
• We verify licenses at registration but cannot continuously monitor license status
• Ratings, reviews, and testimonials are user-generated and not independently verified
• Agent availability, contact information, and services may change without notice
• We recommend verifying current license status with IRDAI if needed

Under no circumstances shall TruePolicy, its owners, employees, or affiliates be liable for:

• Any direct, indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Actions, advice, or services provided by listed agents
• Quality, suitability, or performance of any insurance product
• Disputes between users and agents
• Errors, omissions, or inaccuracies in agent profiles
• Unavailability or interruption of the Platform

Our Platform may contain links to third-party websites or services. We:

• Do not control or endorse third-party content
• Are not responsible for the accuracy or legality of third-party content
• Do not guarantee the privacy practices of third-party sites
• Recommend reviewing third-party terms and privacy policies before use

We do not guarantee that:

• You will find a suitable agent in your area
• Agents will respond to your inquiries
• You will obtain insurance coverage through any agent listed
• You will receive the best rates or terms available in the market
• Your experience with agents will meet your expectations

All insurance agents listed on our Platform are required to comply with IRDAI regulations and applicable laws. However:

• We are not responsible for monitoring ongoing compliance
• Users should independently verify agent regulatory status if concerned
• Complaints about agent conduct should be directed to IRDAI and relevant authorities
• We may cooperate with regulatory investigations but are not liable for agent violations

We strive to maintain Platform availability but:

• Cannot guarantee uninterrupted or error-free service
• May suspend or modify services without notice for maintenance or improvements
• Are not liable for any losses due to downtime or technical issues
• Reserve the right to discontinue the Platform at any time

By using TruePolicy, you acknowledge and agree that:

• You use the Platform at your own risk
• You are responsible for evaluating agent suitability
• You should conduct your own due diligence
• You understand that we are a facilitator, not a service provider
• You will not hold TruePolicy liable for agent actions or advice

We reserve the right to update this Disclaimer at any time without prior notice. Continued use of the Platform after changes constitutes acceptance of the updated Disclaimer.