Please read this Disclaimer carefully. It explains what E-Insure First is, what the information on this Website is intended for, and the limits of our responsibility.
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This website, einsurefirst.com (the "Website"), is owned by E-Insure First ("E-Insure First", "we", "us", or "our").
E-Insure First is an independent online platform that provides general information about insurance products and enables visitors to compare certain insurance plans and submit enquiries for insurance-related products and services.
E-Insure First is not an insurance company, insurer, insurance broker, insurance agent, or insurance intermediary. We do not underwrite, issue, price, or administer insurance policies, and we do not enter into contracts of insurance with visitors to the Website.
Where you choose to submit an enquiry or contact information through the Website, your details may be shared with the relevant insurer(s) and/or appropriately licensed insurance service provider(s), as applicable, so that they may contact you regarding your enquiry, provide information, or assist you with obtaining an insurance product.
Any insurance policy you ultimately purchase is issued and underwritten solely by the relevant insurer. The insurance contract is between you and the insurer and is governed by the insurer's applicable policy documents, terms, conditions, exclusions, and other contractual documents.
The information published on this Website is intended for general informational and educational purposes only.
Our content is designed to help visitors understand insurance concepts, compare available options, and make more informed decisions. However, the information provided on the Website does not constitute:
Insurance products and their terms can vary based on factors such as age, location, coverage requirements, health information, underwriting criteria, policy type, and other circumstances.
You should independently review the relevant insurer's policy wording, prospectus, brochure, quotation, exclusions, limitations, and other applicable documents before purchasing an insurance product.
Information displayed on the Website about insurance products, including but not limited to:
may be based on information made available to us by insurers, insurance service providers, publicly available information, or other sources.
Although we make reasonable efforts to keep the information accurate and up to date, insurance information may change without notice.
Accordingly, we do not guarantee that all information displayed on the Website is complete, accurate, current, or applicable to your individual circumstances.
The final premium, eligibility, coverage, policy terms, exclusions, and underwriting decision are determined by the relevant insurer.
Where the Website displays a premium, quote, price, estimate, or other pricing information, such information should not be treated as a final offer or guarantee of coverage unless expressly confirmed by the relevant insurer.
Actual premiums and policy terms may vary depending on information provided by the applicant and the insurer's underwriting process.
Before purchasing a policy, you should verify the final premium, coverage, exclusions, terms, and conditions directly with the relevant insurer or authorised service provider.
Submitting an enquiry through the Website, receiving a quotation, speaking with an insurance representative, or comparing insurance plans does not guarantee that you will be eligible for or receive insurance coverage.
The relevant insurer has sole responsibility for assessing applications, determining eligibility, underwriting risk, issuing policies, and determining the applicable premium and policy terms.
Browsing the Website, comparing insurance products, submitting an enquiry, or providing your contact information does not by itself result in the purchase or issuance of an insurance policy.
Any contract of insurance is entered into between the applicant/policyholder and the relevant insurer and is governed by the terms of the policy issued by that insurer.
Nothing on this Website should be interpreted as creating an insurance contract between you and E-Insure First.
If you voluntarily submit your personal information through the Website, including when requesting a quotation or making an insurance enquiry, you understand that we may use the information to respond to your enquiry and, where applicable, share it with relevant insurer(s) and/or licensed insurance service provider(s).
Such parties may contact you by telephone, email, SMS, WhatsApp, or other permitted communication channels regarding your enquiry, insurance products, quotations, or related services.
The use of your personal information is also subject to our Privacy Policy.
You should review our Privacy Policy to understand how your information is collected, used, stored, and shared.
E-Insure First does not determine whether an individual is eligible for insurance or whether an insurer should accept a particular risk.
The relevant insurer is responsible for:
Any information or quotation provided through or following an enquiry on the Website remains subject to the insurer's applicable underwriting requirements.
If you apply for insurance, you are responsible for providing complete, accurate, and truthful information to the insurer.
You should disclose all material facts and information requested by the insurer during the application process and whenever required under the applicable policy or law.
Providing inaccurate, incomplete, or misleading information, or failing to disclose relevant information, may affect the insurer's underwriting decision, the validity of the policy, the coverage available to you, or the settlement of a claim, subject to applicable law and the terms of the policy.
If you are unsure whether particular information is relevant, you should seek clarification from the insurer or an appropriately qualified professional.
E-Insure First does not underwrite, approve, reject, or settle insurance claims.
Claims are assessed and determined by the relevant insurer in accordance with the applicable policy terms and conditions.
If applicable, E-Insure First may provide general information or direct you to the appropriate insurer contact channel, but we do not determine whether a claim is payable or the amount payable under a policy.
Any dispute relating to a claim, coverage decision, policy interpretation, or claim settlement should be addressed with the relevant insurer through its applicable grievance or claims process.
Premium payments should be made through the payment channels specified by the relevant insurer or authorised service provider.
E-Insure First is not responsible for a policy lapse, cancellation, termination, or loss of coverage resulting from late or missed premium payments.
You are responsible for ensuring that premiums are paid on time and that your policy remains active.
We recommend that you do not wait until the last day to make a premium payment or renewal payment.
The Website may contain links to websites, applications, services, or resources operated by third parties.
These third-party websites are outside the control of E-Insure First.
We do not guarantee the accuracy, availability, security, or completeness of information provided on third-party websites and are not responsible for their content, privacy practices, terms, policies, or services.
Your use of any third-party website is subject to that website's own terms and policies.
E-Insure First may display or provide information about insurance products and services offered by third parties.
E-Insure First does not control the underwriting, pricing, policy issuance, servicing, claims handling, or other contractual obligations of any insurer.
The relevant insurer or service provider is responsible for the products and services it provides.
However, nothing in this Disclaimer is intended to exclude or limit any responsibility or liability that cannot lawfully be excluded or limited under applicable law.
The articles, guides, blogs, and other educational material published on the Website are intended to provide general information.
Such content may discuss insurance concepts, products, regulations, financial considerations, or related topics.
Information may become outdated due to changes in laws, regulations, insurance products, market conditions, or industry practices.
You should independently verify important or time-sensitive information before relying upon it.
Insurance policies are subject to specific terms, conditions, exclusions, limitations, eligibility requirements, and underwriting criteria.
The information provided on this Website should not be considered a substitute for reading the actual policy documents issued by the relevant insurer.
Where there is any difference between information displayed on this Website and the official policy documentation issued by the insurer, the insurer's official policy documents shall prevail.
To the extent permitted by applicable law, E-Insure First, and their respective directors, employees, affiliates, content providers, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, or other loss arising from or relating to:
You remain responsible for independently evaluating insurance products and making your own insurance decisions.
Nothing in this Disclaimer shall exclude or limit any liability that cannot legally be excluded or limited under applicable law.
If you are contacted by telephone, email, SMS, WhatsApp, or another communication channel following an enquiry submitted through the Website, the information provided should be considered subject to verification.
Before making a payment or purchasing an insurance policy, you should verify the applicable premium, policy terms, coverage, exclusions, and payment details through the relevant insurer or authorised service provider.
E-Insure First does not guarantee that every communication received by a visitor claiming to represent an insurer or service provider is authorised by that organisation.
If you receive a suspicious communication or payment request, verify it through the relevant insurer's official contact channels before making any payment.
We take reasonable measures to maintain the Website and its content. However, we do not guarantee that the Website will always be available, uninterrupted, secure, or free from errors.
The Website may occasionally be unavailable because of maintenance, technical problems, internet or connectivity issues, system failures, or circumstances beyond our reasonable control.
We shall not be responsible for losses arising solely from such interruptions or technical issues, to the extent permitted by applicable law.
The Website is primarily intended for individuals who are residents of India and are legally capable of entering into contracts under applicable Indian law.
Certain insurance products may have additional eligibility, residency, age, location, or other requirements determined by the relevant insurer.
Visitors from outside India should verify whether any product or service displayed on the Website is available to them before proceeding.
Your privacy is important to us.
Information submitted through the Website may be collected, used, and shared for purposes described in our Privacy Policy, including responding to enquiries and connecting you with relevant insurers or insurance service providers where applicable.
Please review our Privacy Policy for further information about the collection, use, disclosure, retention, and protection of personal information.
If you have a question, concern, or complaint relating to the Website, its content, or an enquiry submitted through the Website, you may contact us at:
Email: info@einsurefirst.com
We will make reasonable efforts to review and respond to your concern.
For matters relating specifically to an insurance policy, premium, underwriting decision, claim, policy servicing, or coverage, you should also contact the relevant insurer directly.
We may update or modify this Disclaimer from time to time to reflect changes to our Website, services, applicable laws, or business practices.
Any updated version will be published on this page with a revised "Last Updated" date.
You are encouraged to review this Disclaimer periodically.
By accessing or using the Website, you acknowledge that you have read and understood this Disclaimer and agree to the terms applicable to your use of the Website.
This Disclaimer shall be governed by and interpreted in accordance with the laws of India.
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