Terms and Conditions

1. Acceptance of Terms

Welcome to Family Cover Pro. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "Customer," or "you") and Family Cover Pro Private Limited ("Company," "we," "us," or "our").

By accessing our website, using our services, or purchasing insurance products through us, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• "Company" refers to Family Cover Pro Private Limited and its affiliates
• "Services" refers to insurance brokerage, consultation, and related services
• "Website" refers to familycoverpro.com and all associated domains
• "User" refers to any person accessing or using our website or services
• "Policy" refers to insurance policies arranged through our services
• "Insurer" refers to the insurance companies whose products we offer
• "Premium" refers to the amount payable for insurance coverage
• "Claim" refers to a request for compensation under an insurance policy

3. Our Services

3.1 Service Description

Family Cover Pro provides the following services:

• Insurance Brokerage: Facilitating insurance policies from various insurers
• Consultation Services: Providing advice on insurance needs and options
• Policy Management: Assisting with policy administration and renewals
• Claims Assistance: Supporting customers through the claims process
• Customer Support: Providing ongoing support and information

3.2 Service Limitations

Please note that we:

• Act as intermediaries between customers and insurance companies
• Do not underwrite insurance policies ourselves
• Cannot guarantee policy approval or specific terms
• Are subject to the terms and conditions of partner insurers
• May not offer all insurance products available in the market

3.3 Service Availability

Our services are available:

• To residents of India aged 18 years and above
• Subject to regulatory approvals and compliance requirements
• During business hours for phone and in-person consultations
• 24/7 for online services, subject to system maintenance

4. User Obligations

4.1 Accurate Information

You agree to:

• Provide accurate, complete, and truthful information
• Update your information promptly when changes occur
• Disclose all material facts relevant to insurance coverage
• Maintain the confidentiality of your account credentials

4.2 Prohibited Activities

You must not:

• Provide false or misleading information
• Use our services for fraudulent purposes
• Attempt to circumvent our security measures
• Interfere with the proper functioning of our website
• Use automated systems to access our services without permission
• Violate any applicable laws or regulations

4.3 Compliance Requirements

You agree to:

• Comply with all applicable insurance regulations
• Cooperate with verification and due diligence processes
• Provide required documentation in a timely manner
• Notify us of any changes in your circumstances

5. Registration and User Accounts

5.1 Account Creation

To access certain services, you may need to create an account. When registering:

• You must provide accurate and complete information
• You are responsible for maintaining account security
• You must choose a strong password and keep it confidential
• You must be at least 18 years old to create an account

5.2 Account Responsibilities

You are responsible for:

• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Keeping your contact information up to date
• Logging out of your account when finished

5.3 Account Suspension

We may suspend or terminate your account if:

• You violate these Terms
• We suspect fraudulent activity
• You provide false information
• Required by law or regulatory authorities

6. Insurance Policies

6.1 Policy Arrangement

When arranging insurance policies:

• We act as intermediaries between you and insurance companies
• Final policy terms are determined by the insurer
• Policy documents issued by insurers are the governing contracts
• We provide assistance but do not guarantee policy approval

6.2 Policy Terms

Important considerations:

• Policy terms and conditions are set by the insurer
• Coverage details, exclusions, and limitations apply as per policy documents
• Premium rates are determined by insurers based on risk assessment
• Policy renewals are subject to insurer terms and conditions

6.3 Policy Changes

Modifications to policies:

• Must be approved by the insurer
• May result in premium adjustments
• Are subject to insurer terms and conditions
• May require additional documentation or medical examinations

7. Payments and Billing

7.1 Premium Payments

Regarding premium payments:

• Premiums must be paid as per the agreed schedule
• Late payments may result in policy lapse or cancellation
• We accept various payment methods as displayed on our website
• Payment confirmations will be provided for all transactions

7.2 Service Fees

Our service fees:

• Are clearly disclosed before service provision
• May be included in premium amounts or charged separately
• Are non-refundable unless otherwise specified
• May vary based on the type and complexity of services

7.3 Refunds and Cancellations

Refund policies:

• Policy cancellations are subject to insurer terms
• Refunds, if applicable, will be processed as per insurer policies
• Service fees may not be refundable in certain circumstances
• Refund processing may take 7-15 business days

8. Claims Process

8.1 Claims Assistance

We provide claims assistance by:

• Guiding you through the claims process
• Helping with documentation requirements
• Liaising with insurers on your behalf
• Providing updates on claim status

8.2 Claims Limitations

Please note that:

• Claims decisions are made solely by insurers
• We cannot guarantee claim approval or settlement amounts
• Claims are subject to policy terms and conditions
• Fraudulent claims may result in policy cancellation and legal action

8.3 Claims Documentation

For claims processing:

• Complete and accurate documentation is required
• Medical reports and bills must be original or certified copies
• Claims must be reported within the time limits specified in policies
• Additional documentation may be requested by insurers

9. Liability and Disclaimers

9.1 Service Disclaimers

Our services are provided "as is" and we disclaim:

• Warranties regarding policy approval or specific terms
• Guarantees about claim settlements or processing times
• Responsibility for insurer decisions or actions
• Liability for third-party service failures

9.2 Limitation of Liability

Our liability is limited to:

• The service fees paid by you for the specific service
• Direct damages resulting from our negligence
• Amounts covered by our professional indemnity insurance

9.3 Exclusions

We are not liable for:

• Indirect, consequential, or punitive damages
• Loss of profits, business, or opportunities
• Damages resulting from insurer actions or decisions
• Technical failures or system downtime
• Acts of God, natural disasters, or force majeure events

10. Intellectual Property

10.1 Our Rights

All content on our website, including:

• Text, graphics, logos, and images
• Software and source code
• Trademarks and service marks
• Proprietary information and trade secrets

Are owned by us or our licensors and protected by intellectual property laws.

10.2 Permitted Use

You may:

• View and use our website for personal, non-commercial purposes
• Download and print content for your own use
• Share links to our website content

10.3 Prohibited Use

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Create derivative works based on our content
• Use our content for commercial purposes without a license

11. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our services, you consent to:

• The collection and use of your information as described in our Privacy Policy
• Sharing your information with insurers and service providers as necessary
• Processing your information for regulatory compliance purposes
• Retention of your information as required by law and business needs

12. Termination

12.1 Termination by You

You may terminate your relationship with us by:

• Closing your account through our website
• Contacting our customer service
• Providing written notice of termination

12.2 Termination by Us

We may terminate or suspend your access if:

• You breach these Terms
• We suspect fraudulent activity
• Required by law or regulatory authorities
• We discontinue our services

12.3 Effect of Termination

Upon termination:

• Your access to our services will cease
• Existing insurance policies remain with insurers
• Outstanding obligations remain in effect
• Certain provisions of these Terms survive termination

13. Dispute Resolution

13.1 Grievance Procedure

For any disputes or complaints:

1. Contact our customer service team first
2. If unresolved, escalate to our grievance officer
3. We will investigate and respond within 15 business days
4. If still unsatisfied, you may approach regulatory authorities

13.2 Mediation and Arbitration

If disputes cannot be resolved through our grievance procedure:

• We prefer mediation as the first step
• Arbitration may be required for certain disputes
• Arbitration will be conducted in 26571 Cardinal Dr, Canyon Country, California(CA), 91387
• The arbitration will be governed by Indian Arbitration laws

13.3 Regulatory Authorities

You may also approach:

• Insurance Regulatory and Development Authority of India (IRDAI)
• Insurance Ombudsman for your region
• Consumer forums and courts as per applicable law

14. Governing Law and Jurisdiction

These Terms are governed by:

• Governing Law: Laws of India
• Jurisdiction: Courts of Mumbai, Maharashtra
• Regulatory Framework: IRDAI regulations and guidelines
• Consumer Protection: Consumer Protection Act, 2019

Any legal proceedings must be initiated in the appropriate courts of Mumbai, Maharashtra, India.

15. Modifications to Terms

We may update these Terms from time to time. When we make changes:

• We will post the updated Terms on our website
• We will update the "Effective Date" at the top
• For significant changes, we will notify you by email or website notice
• Your continued use constitutes acceptance of the updated Terms

16. Contact Information

For questions about these Terms or our services, please contact us: