Terms of Service

PolicyJaano uses AI to analyze insurance policy documents you upload or select, and to answer your questions about those documents through BHAI, our AI assistant.

The Service is not an insurance company, broker, agent, web aggregator, corporate agent, or IRDAI-registered intermediary of any kind, and holds no licence or registration from the Insurance Regulatory and Development Authority of India (IRDAI). It does not sell, solicit, procure, or arrange insurance, and nothing on the Service constitutes an offer, solicitation, or recommendation to purchase, renew, port, switch, or cancel any specific insurance product. Analysis and chat responses are AI-generated explanations of your own documents for informational purposes only — they are not legal, financial, medical, tax, or claim-outcome advice, and they do not guarantee any insurance decision or claim result. Always verify with your insurer or a licensed advisor before acting on anything the Service tells you.

When you create an account you are asked to expressly acknowledge the above. We keep a record of that acknowledgement, together with the version of these Terms you accepted.

Using the Service does not create any advisory, fiduciary, agency, brokerage, or insurance-intermediary relationship between you and PolicyJaano. We do not act on your behalf with any insurer, and we do not act on behalf of any insurer with you.

Where the Service shows information about other insurance products (for example, other products in the same category and how their wording scores on the same method), that information is provided for general comparison and education only. It is not a recommendation, endorsement, or ranking of suitability for your personal circumstances, and it is not an offer to sell. Any link to an insurer's website takes you to a third party; any purchase you make is solely between you and that insurer, on its own terms.

Decisions about buying, renewing, porting, switching, cancelling, or claiming on any policy are yours alone. Please make them with your insurer, its official policy wording, and — where needed — a licensed insurance advisor.

You must provide accurate information when creating an account and are responsible for keeping your login credentials secure. You must be 18 years or older to use the Service, and we ask you to confirm this when you sign up — the Service is not directed at or intended for children. You're responsible for all activity under your account.

You retain ownership of any policy documents you upload. By uploading a document, you grant us a limited license to process it (including sending extracted text to AI providers) solely to provide the Service to you — see our Privacy Policy for the full detail on how this data is handled and never used for.

You confirm you have the right to upload the documents you provide (e.g. it's your own policy, or one you have permission to analyze on behalf of a family member).

You agree not to:

• Use the Service for any unlawful purpose or to violate any applicable law or regulation.
• Attempt to gain unauthorized access to the Service, other users' accounts, or our systems.
• Upload documents that aren't genuine insurance policy documents in an attempt to abuse or manipulate the AI analysis.
• Use automated means to scrape, extract, or bulk-download content from the Service beyond your own account's data.
• Rely on the Service as a substitute for professional legal, financial, medical, or insurance advice.

Policy analysis, risk scores, clause findings, summaries, comparisons, and BHAI's responses are generated by AI systems. Despite our safeguards (structured extraction, schema validation, and clause-level citations back to your source document), they can be wrong — they may be incomplete, inaccurate, out of date, mistranslated, or miss the full nuance of your policy wording, endorsements, or schedule. Text extraction from scanned or image-based documents can also introduce errors.

We make no representation or warranty that any output is accurate, complete, current, or fit for any particular purpose. The risk score is a simplified heuristic, not a certified, actuarial, or regulatory rating. Your insurer's official policy wording, schedule, and endorsements always prevail over anything the Service says. You are solely responsible for checking any information from the Service against your actual policy document and with your insurer before relying on it for any decision.

Our Insurer Conduct Score and Policy Friendliness Score are AI/automation-assisted interpretations of publicly available regulatory data published by IRDAI and the Council for Insurance Ombudsmen (CIO), extracted using automated OCR and statistical modelling. They are provided for general information only — they are not advice, not a recommendation to buy, avoid, switch, or cancel any policy, and not a statement of fact about any insurer's conduct or a prediction of any claim outcome. The underlying data reflects a specific past financial year and may be out of date. We are not affiliated with or endorsed by IRDAI, the CIO, or any insurer.

The standard price of the Service is ₹79 per policy analysis, which includes BHAI chat on that policy. For a limited time, we are waiving this fee in full as a launch offer, so you pay nothing. Policies analyzed while the offer is running will not be charged later. The offer has no fixed end date; we will give at least 7 days' notice on our Pricing page and by email before it ends, and you will never be charged without first being shown the price and agreeing to pay it.

We aim for high availability but do not guarantee the Service will be uninterrupted, error-free, or available at all times.

The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including any implied warranty of accuracy, merchantability, fitness for a particular purpose, or non-infringement.

To the maximum extent permitted by applicable law:

• PolicyJaano, its founders, employees, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of money, coverage, profits, data, or opportunity, arising from or related to your use of (or inability to use) the Service.
• Without limiting the above, we are not liable for any claim being rejected, reduced, or delayed; any gap in your coverage; or any decision to buy, renew, port, switch, cancel, or not buy a policy — whether or not that decision was based on the Service's output.
• Our total aggregate liability for all claims relating to the Service will not exceed the greater of (a) the amount you paid us for the Service in the 12 months before the claim arose, or (b) INR 1,000.

Nothing in these Terms excludes or limits any liability, or any right you have as a consumer, that cannot be excluded or limited under applicable Indian law, including the Consumer Protection Act, 2019.

You agree to indemnify and hold harmless PolicyJaano, its founders, employees, and service providers from any claim, demand, loss, liability, or expense (including reasonable legal fees) brought by a third party and arising out of: (a) your breach of these Terms; (b) your misuse of the Service or violation of any law; or (c) documents you upload that you did not have the right to upload or share with us.

You may delete your account at any time from your account settings. We may suspend or terminate your access if you violate these Terms. See our Privacy Policy for what happens to your data when your account is deleted. Sections 2, 6, 8, 9, and 12 survive termination.

We may update these Terms from time to time. We'll notify you of material changes by email and/or a notice on the Service before they take effect. Continued use after that point means you accept the updated Terms.

These Terms, and any dispute arising out of or in connection with them or the Service, are governed by the laws of India. Subject to your statutory rights as a consumer (including your right to approach a Consumer Disputes Redressal Commission), the courts at [CITY OF REGISTERED OFFICE], India will have exclusive jurisdiction.

Before starting any formal proceedings, please first raise your concern with us at support@policyjaano.com so we can try to resolve it informally.

How we handle your personal data — and your rights under India's Digital Personal Data Protection Act, 2023 — are set out in our Privacy Policy. For any data-related complaint, contact our Grievance Officer, [GRIEVANCE OFFICER NAME — to be appointed before launch], at grievance@policyjaano.com.

Questions about these Terms: support@policyjaano.com

[REGISTERED LEGAL ENTITY NAME], [REGISTERED ADDRESS, CITY, STATE, PIN — India].