Terms & Conditions

Thank you for visiting our website at www.finsukh.com. Please read these Terms of Use (the "Agreement" or "Terms of Use") carefully before using the services offered or information displayed by FinSukh.com. This Agreement sets forth the legally binding terms and conditions for your use of the website at www. FinSukh.com, all other sites owned and operated by FinSukh.com that redirect to said website and all subdomains (collectively, the “FinSukh.com Website or FinSukh Financial Services”), and the services owned and operated by FinSukh Financial Services on the FinSukh Website.

You acknowledge that these terms and conditions are related to your use of the FinSukh.com website and that you accept the terms thereof and any subsequent changes.

YOU AGREE TO READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE AND TO CHECK BACK REGULARLY FOR ANY REVISIONS. If you do not agree to these terms and conditions of use, you may not access or otherwise use this website.

By visiting FinSukh.com, you expressly consent to the collection and use by it of personally identifiable information according to the Privacy Protection Policy terms.

2. Definition of Service

FinSukh.com (FinSukh Financial Services) is a free service for customers and provides useful information about investment, financial products, insurance, insurance decision tools, stocks, equity, matching local advisor for purchase of financial products including insurance, financial news and summary about popular insurance and financial products of different companies in India. FinSukh.com not an insurance company, insurance broker, insurance aggregator or insurance agent and do not solicit, advise and do not sell insurance policies and financial products. In case the user decides to connect directly with an advertiser / insurance professionals / insurance agent, financial consultant, share broker or tax consultant through this website for his/her insurance or investment requirement and/or insurance quotes, we request the users to check that the providers have necessary license to perform specific work or duties.

Please do not pay any amount in cash to the advisor or any professionals matched by us as the advisor or professionals which we match to perform your enquiry or requirement are not our employees or part of our team. FinSukh.com or FinSukh Financial Services will not be liable in any manner directly or indirectly for any damages, losses (monetary or non-monetary) as we don’t have any control or we do not track the advisor or professionals selected to perform your requirement or enquiry. We only match your requirement with your local or nearby advisor or professionals. Its Users full responsibility for any transaction, service or business done with the matched advisor or professionals. So, please be careful and check all possible points, license, and documentation of advisor or professionals before finalizing services or sales.

You may submit your request to book your desired policy or other financial product by filling in the required forms on the on FinSukh.com. We assist you in completing your proposal (incl. forms, documents and medical tests, if any) and on verification of the same, provided there is no missing information, your proposal is underwritten by matching the local advisor or the company without any commission. The insurance or investment company then, may accept, reject or raise an objection on your proposal, which will be communicated to you by them.

3. Description of Service

Our website contains statements & information regarding the terms of insurance policies, including details of the benefits available and items not covered by such policies, various investment and financial products summary, tax filing information. Some of these statements are generalized in an attempt to give you a summary of the insurance policies and investment & financial products available through tied agents of multiple insurance and investment advisor. However, not all insurance policies & financial products are the same and you should confirm the exact terms of any insurance policy & various financial & investment products that you intend to purchase prior to purchasing that particular insurance & investment company.

FinSukh.com reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement, in whole or in part, at any time. Notification of changes in the Agreement will be posted on the FinSukh.com website and your continued use of the website after such notice of changes signifies your acceptance of the changes.

NOTE :- The content of FinSukh.com website is only for your personal, non-commercial use. All materials contained on FinSukh.com Website are protected by copyright and are owned or controlled by FinSukh.com or the party credited as the provider of the Content. You will abide by any and all additional copyright notices, information, or restrictions contained in any content on the FinSukh.com website. You may download and make copies of the content and other downloadable items displayed on this FinSukh.com Website for personal, non-commercial use only, provided that you maintain all copyright and other notices contained in such content. Copying or storing of any Content for other than personal, non-commercial use is expressly prohibited without the prior written permission from FinSukh.com or the copyright holder identified in the individual Content's copyright notice.

4. Delay in Services

Neither FinSukh.com or Finsukh Financial Services (including its and their founders, directors, employees, affiliates, agents, representatives or subcontractors) shall be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone interconnect problems, defects, weather, strikes, walkouts, fire, acts of God, riots, armed conflicts, acts of war, or other like causes. FinSukh.com shall have no responsibility to provide you access to FinSukh.com while interruption of FinSukh.com is due to any such cause shall continue.

5. Equipment and Operations

You shall provide and maintain all telephone/internet and other equipment necessary to access FinSukh.com, and the costs of any such equipment and/or telephone/internet connections or use, including any applicable taxes, shall be borne solely by you. You are responsible for operating your own equipment used to access FinSukh.com


6. Links to Third Party Sites

The links in FinSukh.com will allow you to leave FinSukh.com. FinSukh.com has not reviewed, nor FinSukh.com. The linked sites are not under the control approved these sites and is not responsible for the contents or omissions of any linked site or any links contained in a linked site. The inclusion of any linked site does not imply endorsement by FinSukh.com of the site. Third party links to FinSukh.com shall be governed by a separate agreement.


7. Indemnifications

You agree to indemnify and hold FinSukh.com and FinSukh Financial Services (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms and Conditions (Users Agreement) , your violation of any law or the rights of a third party, or your use of the Site.

8. Attorney's Fees

If FinSukh.com or FinSukh Financial Services takes action (by itself or through its associate companies) to enforce any of the provisions of this User Agreement, including collection of any amounts due hereunder, FinSukh.com or FinSukh Financial Services shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney's fees and any costs of any litigation.

9. Jurisdiction

The Courts of Thane- Maharashtra will have exclusive jurisdiction to adjudicate any dispute arising under or in connection with this Business/agreement/contract


10. Arbitration

a) Each parties will first use their best endeavor to resolve through mutual consultation any dispute, difference or question arising between them or their respective representatives or assigns which may arise out of, in connection with or in relation to Purchase/ Sales/Business/Agreement/MOU/Tied-Up Agents or Companies/ Contract/ FinSukh.com or FinSukh Financial Services Verified Service Provider Subscription Agreement.


b) In the event of failure to resolve any dispute through mutual discussions as mentioned in clause (a) above, then such dispute or difference on this agreement shall be referred to the Arbitration of a sole Arbitrator to be appointed mutually by both the parties. The award of arbitration shall be final and binding on the parties. The Arbitration proceedings shall take place exclusively at Thane, Maharashtra and shall be governed by the Arbitration and Conciliation Act, 1996 and the rules appended thereto or any statutory modification or amendment thereof for the time being in force and this arbitration shall be held in English Language. Each party shall bear its own cost of Arbitration.


11. Fees & Charges

FinSukh.com or FinSukh Financial Services offers a FREE service and charges NO FEES OR CHARGES from it’s users.

12. Limitations to Services

The product information supplied on the website is available only to Indian citizens. Except as otherwise expressly permitted in writing by us, no materials from this website or any website owned, operated, licensed or controlled by us may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. You may download material displayed on this website for your use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video without our written permission. The rates mentioned on the website may not be final and binding. In some cases, the insurance & investment company may communicate the final rates after submission of the given premium and documentation. Further, the rates mentioned on the website are as provided or verified by insurance companies. The rates are subject to change at any time and we take no responsibility of any losses in such cases. Please note that service tax is payable on financial products & insurance premium as per applicable laws and all your quoted premium includes the same. The insurance & investment company reserves the right to recover from the policyholder or proposer, any levies and duties (including service tax), as imposed by the government, either by premium adjustment or other forms, as deemed appropriate. Kindly refer to the proposal for the exact fees and charges.

13. Refund Policy

In case you are dissatisfied with the services provided by either FinSukh.com or FinSukh Financial Services or the insurance company or Investment Company, please email the insurer or investment company on the email ID mentioned in the payment confirmation email. Your refund will be processed by the Insurance or Investment Company as per their respective refund policies. In such cases, you will be required to communicate with them directly, although we may assist you in the process.FinSukh.com have no liability and will make no refund in causes beyond their direct control. In no event shall FinSukh.com be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of any delay in refunds.

14. Claim Settlement

Claim settlement is the sole responsibility and at the discretion of the insurance companies, regulated by IRDA or Investment companies regulated by RBI or SEBI. The settlement will take place between the customers and the respective company and FinSukh.com or FinSukh Financial Services shall not be responsible for the same in any manner. Although we may assist you in forwarding the case to the Insurance or Investment Company, we shall not be liable to any party involved in case the claim is declined, or honoured.

15. Links to other websites & Third Party information

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement & Terms of Use. You should exercise caution and look at the privacy statement applicable to the website in question. We may include or offer third party products or services on our website. These third party sites have separate & independent Terms of Use and privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites.

16. Trademarks & Copyright

All trademarks, services marks, trade names, logos, icons and domain names located on this website are the property of FinSukh.com or FinSukh Financial Services. Any logos, trade-marks, service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the service, belong to those companies, and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this website and/or the service we provide belong to FinSukh.com or FinSukh Financial Services. All rights of FinSukh.com or FinSukh Financial Services in such intellectual property rights are hereby reserved.

17. Software licenses

FinSukh.com or FinSukh Financial Services does not authorise the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by Indian laws and regulations.

18. Limitation of Liability

While FinSukh.com or FinSukh Financial Services uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. FinSukh.com or FinSukh Financial Services makes no warranties or representations as to the accuracy of the content of this website. You expressly understand and agree that FinSukh.com and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequntial or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if FinSukh.com has been advised of the possibility of such damages), resulting from use of the site, content or any related services. If, despite the limitation above, FinSukh.com or its Affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of FinSukh.com and/or Its Affiliates will in no event exceed, the lower of (a) the service fees you paid exclusively to FinSukh.com in connection with such transaction(s) on this Site, or (b) Rupees One Hundred only (INR 100). The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of FinSukh.com, Its affiliates, and/or their respective service providers. We have the right to add, amend, revise suspend or cancel in whole or in part any of the services which are, or may become, part of the Website, without any prior notice to the Visitors or Customers. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Visitors and Customers. We also assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website. All disputes shall be subject to the exclusive jurisdiction of Thane Maharashtra Courts only.

19. Disclaimer

FinSukh.com (FinSukh Financial Services) is a free service for customers and provides useful information about investment, financial products, insurance, insurance decision tools, matching local advisor for purchase of financial products including insurance, financial news and summary about popular insurance and financial products of different companies in India. FinSukh.com not an insurance company, insurance broker, insurance aggregator or insurance agent and do not solicit, advise and do not sell insurance policies and financial products. In case the user decides to connect directly with an advertiser / insurance professionals / insurance agent, financial consultant, share broker or tax consultant through this website for his/her insurance or investment requirement and/or insurance quotes, we request the users to check that the providers have necessary license to perform specific work or duties and pay the amount to directly to the respective companies authorise website by using their online payment link. Please do not pay any amount in cash to the advisor or any professionals match by us as the advisor or professionals which we match to perform your enquiry or requirement are not our employees. FinSukh.com or FinSukh Financial Services will not be liable in any manner directly or indirectly for any damages, losses (monetary or non-monetary) as we don’t have any control or we do not track the advisor or professionals selected to perform your requirement or enquiry. We only match your requirement with your local or nearby advisor or professionals. Its Users full responsibility for any transaction, service or business done with the matched advisor or professionals. So, please be careful and check all possible points, license, and documentation of advisor or professionals before finalizing services or sales.

The site does not warrant or guarantee any price, service. It is the responsibility of the user to verify details of the service provider before they decide to enter into any transaction with the service providers and only 2 party responsible for the same i.e. the user & matched local advisor or professionals and not FinSukh.com

The information on this site has been included in good faith and is for general purpose only. Finsukh.com makes no warranties about the accuracy or completeness of any information contained on this website.

Founders, owners, directors, partners, employees and associated staff of Finsukh.com are not accountable for any loss, harm or damage that occurs or may occurs or arise from the usage of information from the portal. Customers are advised to use their own discretion in such matters.

Links to other websites are provided for your convenience and Finsukh.com is not responsible for the information contained on those websites. The provision of a link to another website does not constitute an endorsement or approval of that website, or any products or services offered on that website, by Finsukh.com. Finsukh.com will not accept any liability for the use of those links to connect to websites that are not under our control.

Finsukh.com reserves the right to make changes, modifications, additions, deletions and corrections to the website, at any time and without notice.

You acknowledge and agree that in no event will we(FinSukh.com) and/or our holding company subsidiaries, affiliates, or third party content providers, licensors and/or suppliers be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive or other damages relating to the use, misuse or inability to use this site or any "materials" (whether based on contract, tort, negligence, strict liability or otherwise, and even if we and/or our subsidiaries, affiliates, licensors and/or suppliers has or have been advised of a possibility of damages); and that if you are dissatisfied with, or claim any damages relating to, any portion of this site, any "materials" or this agreement, your sole and exclusive remedy is to discontinue using this site and all "materials". In jurisdictions not allowing the exclusion or limitation of incidental or consequential damages, our and our holding company subsidiaries, affiliates, licensors and suppliers liability will be limited to the extent permitted by law. Any data, details, statistics or any other alike information (“information”) furnished or keyed in on this website shall be the sole property of the website and you waive all your rights of initiating act action against the website for loss, destruction, use, misuse, wrong use or disclosure of such information any way and hereby keep the company indemnified against any loss caused by the website in connection with such information.

20. Electronic Communication

When you use the Site or send emails to FinSukh.com and FinSukh Financial Services, you are communicating with FinSukh.com and FinSukh Financial Services electronically. You consent to receive communications from FinSukh.com and FinSukh Financial Services electronically. FinSukh.com and FinSukh Financial Services may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

21. Access to Password Protected/Secure Areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

22. Eligibility

The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by FinSukh.com and FinSukh Financial Services for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.

23. Submitted Content

FinSukh.com and FinSukh Financial Services does not claim ownership of any materials you make available through the Site. At FinSukh.com and FinSukh Financial Services sole discretion, such materials may be included in the Service in whole or in part or in a modified form.

24. General

Headings are for reference purposes only and do not limit the scope or extent of such section. This Terms & Conditions (Users Agreement) and the relationship between you and FinSukh.com and FinSukh Financial Services will be governed by the laws of the India without regard to its conflict of law provisions. This Terms & Conditions (Users Agreement) constitutes the entire agreement between you and FinSukh.com and FinSukh Financial Services and governs your use of the Site, superseding any prior agreements between you and FinSukh.com and FinSukh Financial Services with respect to the Site.