Terms & Conditions

Terms & Conditions

Last Updated: 12 December 2025

Welcome to My Insurance Dost (“Company”, “we”, “our”, or “us”). These Terms and Conditions (“Terms”) govern your use of our website www.myinsurancedost.com (“Website”) and the services we provide, including insurance product facilitation, agent support, issuance of agency/leader codes, and access to tools and resources (“Services”).

By accessing or using our Website or Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree, please stop using the Website immediately.

1. Eligibility

To use our Website or Services, you must:

  • Be at least 18 years old

  • Provide accurate and complete personal information

  • Comply with all applicable IRDAI rules (for agents)

  • Complete verification or documentation as required

Agents must have valid credentials or follow the process prescribed by relevant insurance companies and laws.

2. Scope of Services

My Insurance Dost provides the following:

  • Facilitation of insurance products from reputed, licensed insurance companies

  • Issuance of agent codes, leader codes, and support systems for eligible agents

  • Tools, training, and documentation for agents

  • Information about insurance products, coverage, features, and company details as provided by respective insurers

  • Customer support for queries related to products and agent services

We do not issue insurance policies ourselves unless explicitly stated.
All policies are issued by respective insurance companies based on their underwriting rules.

3. User Responsibilities

Users (customers/agents) agree to:

  • Provide accurate, truthful, and updated information

  • Not use the Website for illegal or fraudulent activity

  • Not misrepresent insurance products

  • Use the Website only for lawful and intended purposes

  • Maintain confidentiality of login details and secure access

Any misuse may result in account suspension or termination.

4. Agent Responsibilities

Agents or intermediaries using our platform must:

  • Comply with applicable IRDAI guidelines

  • Not mis-sell or misrepresent policies

  • Maintain confidentiality of customer data and login access

  • Follow ethical sales practices

  • Provide accurate documents for code activation

  • Not share agent codes, company materials, or confidential data without authorization

Violation may result in permanent ban, suspension of codes, or legal action by insurers.

5. Disclaimer: We Are Not the Insurer

Unless explicitly mentioned:

  • We are not an insurance company or underwriter

  • We facilitate products provided by partner insurance companies

  • Policy approval is solely at the insurer’s discretion

  • Claims, renewals, endorsements, and rejections are processed by the insurer, not us

We are not responsible for:

  • Claim decisions

  • Policy issuance delays

  • Rejections due to insurer underwriting

  • Any action taken by the insurance company

6. Payments, Premiums & Refunds

  • All payments made for insurance premiums are processed through secure third-party payment gateways or insurer payment systems

  • We do not store card or bank details

  • Premium quotes are based on data provided by insurers

  • Refunds (if applicable) follow the respective insurance company’s refund/cancellation policy

  • Agent commissions, rewards, or payouts are managed as per applicable agreements or insurer guidelines

7. Intellectual Property

All content on this Website including:

  • Text

  • Graphics

  • Layout

  • Logo

  • Branding

  • Tools and materials

…belongs to My Insurance Dost unless stated otherwise.
You may not copy, distribute, reproduce, or modify any content without written permission.

8. Privacy & Data Usage

Your use of the Website is also governed by our Privacy Policy.

Read it here:
👉 Privacy Policy: www.myinsurancedost.com/privacy-policy

By using our Website, you consent to:

  • Collection of personal and business information

  • Processing and sharing of data with insurers or service providers

  • Receiving calls, emails, SMS, or WhatsApp messages regarding services

We follow reasonable security measures but do not guarantee protection against all cyber risks.

9. Limitation of Liability

We are not liable for:

  • Losses due to insurer decisions

  • Delays, errors, or interruptions in service

  • Financial or business losses

  • Misuse of the platform by agents or third parties

  • Incorrect information provided by insurers or users

Use of the Website is at your own risk.

10. Prohibited Activities

Users must not:

  • Attempt to hack, damage, or disrupt the Website

  • Use bots or automated tools

  • Misuse policy information

  • Submit fake documents

  • Engage in fraudulent insurance activities

Violation may lead to legal action.

11. Third-Party Links

Our Website may contain links to:

  • Insurance companies

  • Payment gateways

  • External tools or resources

We are not responsible for the content, accuracy, or security of third-party websites.

12. Account Suspension & Termination

We may suspend or terminate accounts for:

  • Misuse of platform

  • False information

  • Fraudulent activities

  • Violation of IRDAI rules

  • Non-cooperation during verification

Termination of agent codes is subject to insurer and regulatory policies.

13. Modification of Terms

We may update or modify these Terms at any time.

Updated Terms will be posted here:
👉 www.myinsurancedost.com/terms-and-conditions

Continued use of the Website implies acceptance of the updated Terms.

14. Governing Law & Jurisdiction

These Terms are governed by the laws of India.

Any disputes shall be subject to the jurisdiction of courts located in New Delhi, India.

15. Contact Information

For queries, complaints, or support:

📩 Email: support@myinsurancedost.com
🌐 Website: www.myinsurancedost.com
📞 Phone: +91 9873737123