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Welcome to Shivam Associates. By using our website and services, you agree to following terms:
1. Services
Shivam Associates provides insurance consultancy services including life, health, motor, and general insurance.
We act as an intermediary between customers and insurance companies.
2. No Guarantee
We strive to provide accurate information; however:
- Policy approval depends on insurance companies
- Premiums and benefits may vary
- We do not guarantee claim approvals
3. User Responsibility
You agree to:
- Provide accurate and complete information
- Not misuse website or services
- Use services only for lawful purposes
4. Payments & Policies
All insurance premiums are subject to insurer terms.
Payments are processed as per company guidelines.
Refunds depend on insurance company policies.
5. Intellectual Property
All website content (text, logo, design) belongs to Shivam Associates and cannot be copied without permission.
6. Limitation of Liability
We are not liable for:
- Loss due to incorrect information provided by users
- Delays or rejections by insurance companies
- Technical issues beyond our control
7. Third-Party Services
We work with multiple insurance providers. Their terms and conditions will apply to policies purchased.
8. Changes to Terms
We may update these terms anytime without prior notice.
9. Governing Law
These terms are governed by laws of India.
10. Contact Information
Shivam Associates
📍 Near Domino's & Vodafone Office, Opp. Vasant Vihar Gate, Delhi Road, Saharanpur – 247001
7830330003
📧 [email protected]
