Terms and Conditions

1. Introduction

Welcome to HBR Insurance Brokers Private Limited (“HBR”, “we”, “our”, or “us”).

These Terms and Conditions (“Terms”) govern your access to and use of our website (https://www.hbrbrokers.com), mobile application, and all services provided by us (collectively referred to as the “Platform”).

By accessing or using our Platform, you agree to comply with and be bound by these Terms, our Privacy Policy, and any other policies referenced herein. If you do not agree, please do not use our Platform.

2. Regulatory Status

HBR Insurance Brokers Private Limited is a company registered under the Companies Act, 2013, and licensed by the Insurance Regulatory and Development Authority of India (IRDAI) as a Direct Insurance Broker (Life & General) under Registration No. 895.

We act as an intermediary between clients and insurers to provide impartial insurance advice and facilitate the purchase and servicing of insurance products.

3. Eligibility

By using our Platform, you confirm that:

• You are at least 18 years of age and capable of entering into a legally binding contract under Indian law.
• You are accessing the Platform for legitimate purposes and not for any fraudulent or unlawful intent.

4. Services Offered

HBR provides the following services:

• Insurance broking and advisory services
• Assistance in selecting and purchasing insurance policies
• Claims assistance and risk management services
• Renewal reminders and policy support
• Customer support and grievance redressal

All services are subject to applicable IRDAI Regulations, Insurance Act, 1938, and related rules.

5. Use of the Platform

You agree:

• To provide accurate, complete, and up-to-date information when using our services.
• Not to misuse the Platform, introduce malware, or attempt unauthorized access.
• Not to use the Platform to infringe upon intellectual property or privacy rights.
• To comply with all applicable laws and regulations of India.

We reserve the right to suspend or terminate your access to the Platform for any violation of these Terms or misuse of our services.

6. Information Accuracy and Disclaimer

HBR strives to ensure accuracy of information provided on the Platform. However:

• We do not guarantee that all content, quotations, or policy comparisons are error-free or current.
• Insurance products are subject to terms, conditions, and exclusions as defined by respective insurers.
• HBR does not underwrite insurance risks or determine policy acceptance — final underwriting rests solely with the insurer.

Users should verify all information directly with insurers before making a purchase decision.

7. No Financial or Legal Advice

Information provided on our Platform is for general informational purposes only and does not constitute:

• Professional financial advice
• Legal opinion or recommendation
• A binding offer to sell or solicit insurance products

Users are encouraged to consult HBRs independent advisors before making financial or insurance decisions.

8. Payments and Fees

• Any premium or payment made through our Platform will be processed via secure payment gateways.
• HBR does not store your credit/debit card or banking details.
• Payments are subject to successful transaction confirmation from your bank or payment provider.
• In case of failed or duplicate transactions, refunds (if applicable) shall be governed by the refund policy of the respective insurer.

9. Intellectual Property

All content on this Platform — including text, graphics, logos, icons, software, trademarks, and service marks — is the property of HBR Insurance Brokers Pvt. Ltd. or its licensors and is protected under Indian copyright and trademark laws.

You may not reproduce, distribute, or modify any content without prior written consent from HBR.

10. Limitation of Liability

To the maximum extent permitted by law:

• HBR shall not be liable for any direct, indirect, incidental, or consequential loss arising from your use of or reliance on our Platform or services.
• We are not responsible for any loss or damage caused by the actions, omissions, or failures of third-party insurers or service providers.
• You acknowledge that insurance contracts are directly between you and the insurer; HBR only facilitates the transaction.

11. Indemnification

You agree to indemnify and hold harmless HBR, its directors, officers, employees, and affiliates from any claim, liability, loss, or damage arising from:

• Your use or misuse of the Platform
• Violation of these Terms
• Infringement of any third-party rights

12. Third-Party Links

Our Platform may contain links to third-party websites or services for your convenience. HBR does not control or endorse these sites and is not responsible for their content, accuracy, or privacy practices.

13. Privacy Policy

Your use of our Platform is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By agreeing to these Terms, you also consent to our Privacy Policy.

14. Termination

We may suspend or terminate your access to the Platform at any time if:

• You breach these Terms or applicable laws, or
• We discontinue or modify our services for business or regulatory reasons.

Upon termination, all rights granted to you will cease immediately.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes arising shall be subject to the exclusive jurisdiction of the courts of [Nashik], India.

16. Grievance Redressal

In accordance with the Information Technology Act, 2000 and IRDAI regulations, you may contact our Grievance Officer for any complaints or concerns:

We will acknowledge and respond to your complaint within the timelines prescribed under applicable laws.

17. Amendments

HBR reserves the right to modify or update these Terms at any time. Any significant changes will be posted on this page with the updated date. Continued use of the Platform constitutes your acceptance of such changes.

18. Contact Us

For any questions or feedback regarding these Terms, please contact us at:

Legal Compliance Note

This Terms and Conditions document is issued in compliance with:

• The Insurance Regulatory and Development Authority of India (IRDAI) Regulations
• The Insurance Act, 1938
• The Information Technology Act, 2000, and
• The Digital Personal Data Protection Act, 2023
• The Policy Wordings Of Applicable Insurance as per IRDAI Guidelines