Terms of Service

1. Nature of Our Services — Important Disclaimer

Online Dekhle is an IRDAI-registered insurance advisor and loan referral intermediary. It is essential that you understand the following:

• We are an advisory and referral service, NOT an insurance company or bank. We do not underwrite, issue, or guarantee any insurance policy or loan product.
• All insurance products are underwritten and issued by the respective IRDAI-licensed insurance companies. All loan products are provided by RBI-regulated banks and NBFCs.
• Our role is to help you understand available products and connect you with suitable providers. The final decision on policy issuance, premium, coverage, and loan approval rests solely with the respective insurer or lender.
• Information provided on this website is for general guidance only and does not constitute professional financial, legal, tax, or investment advice.
• Past performance of any insurance or investment product does not guarantee future results.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of India or a Non-Resident Indian (NRI) seeking insurance for Indian assets or family members
• Provide accurate, complete, and truthful information when submitting any form or inquiry
• Not use our services for any unlawful purpose

3. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information in all forms and communications
• Not misrepresent your identity, health status, financial situation, or any material fact
• Understand that providing false information to obtain insurance is a criminal offence under the Insurance Act 1938 and may result in claim rejection or policy cancellation
• Not use our website to transmit spam, malware, or any harmful content
• Not attempt to gain unauthorised access to our systems or data
• Comply with all applicable Indian laws and regulations

4. Limitation of Liability

To the fullest extent permitted by applicable law:

• Online Dekhle shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services or reliance on information provided on this website
• We are not liable for any insurance claim rejection, policy lapse, or loan application denial by the respective insurer or lender
• We are not responsible for the accuracy, completeness, or timeliness of information provided by third-party insurers or lenders
• Our total liability to you for any claim arising from our services shall not exceed the advisory fee (if any) paid by you to us in the 12 months preceding the claim
• We do not guarantee that our website will be available at all times, error-free, or free from viruses or other harmful components

5. Insurance Advisory Disclaimer

Specific to our insurance advisory services:

• Premium quotes provided are indicative only and subject to change based on underwriting assessment by the insurer
• Coverage details, exclusions, and policy terms are governed solely by the policy document issued by the insurer. Always read your policy document carefully.
• Pre-existing medical conditions, non-disclosure of material facts, or misrepresentation may result in claim rejection. You are responsible for full and accurate disclosure.
• We may receive commission from insurance companies for policies sold through our referrals. This does not affect the premium you pay.
• Tax benefits mentioned are based on current tax laws and are subject to change. Consult a qualified tax advisor for personalised advice.

6. Loan Referral Disclaimer

Specific to our loan referral services:

• We are a referral intermediary only. Loan approval, interest rates, tenure, and terms are determined solely by the lending institution.
• We do not guarantee loan approval or any specific interest rate or loan amount
• Borrowing involves financial risk. Ensure you can meet repayment obligations before applying for any loan.
• We may receive a referral fee from lending partners. This is disclosed in accordance with RBI Fair Practices Code.
• Check your credit score and eligibility before applying. Multiple loan applications in a short period may negatively impact your credit score.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Online Dekhle or its content suppliers and is protected by Indian and international copyright laws.

• You may not reproduce, distribute, modify, or create derivative works without our prior written consent
• You may print or download content for personal, non-commercial use only
• The Online Dekhle name, logo, and brand marks are our trademarks and may not be used without permission

8. Third-Party Links and Services

Our website may contain links to third-party websites and services. We provide these links for your convenience only.

• We do not endorse or take responsibility for the content, privacy practices, or services of any third-party website
• Accessing third-party websites is at your own risk
• Third-party terms and privacy policies apply when you visit those sites

9. Governing Law and Dispute Resolution

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

• Any disputes arising from these Terms or your use of our services shall first be attempted to be resolved through mutual negotiation
• If negotiation fails, disputes shall be subject to the exclusive jurisdiction of the courts in Haryana, India
• For insurance-related disputes, you may also approach the Insurance Ombudsman as per IRDAI (Ombudsman) Rules 2017
• For loan-related disputes, you may approach the Banking Ombudsman under RBI's Integrated Ombudsman Scheme

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page with an updated 'Last Updated' date. Your continued use of our services after any changes constitutes your acceptance of the revised Terms. We recommend reviewing these Terms periodically.

11. Termination

We reserve the right to suspend or terminate your access to our services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, third parties, or for any other reason. Upon termination, all provisions of these Terms that by their nature should survive will continue to apply.

12. Contact Us

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

• Email: [email protected]
• Phone: +91 98964 99809
• Website: onlinedekhle.com