Terms & Conditions

Please read these Terms & Conditions ("Terms", "Agreement") carefully before accessing or using the website distroo.in, our digital advisor matching services, or interactive lead portals operated by Distroo IMF Pvt. Ltd. ("Distroo", "Company", "we", "us").

By accessing, browsing, submitting consultation inquiries, or utilizing any portion of this website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our companion Privacy Policy and Regulatory Disclosures. If you do not agree to these terms, you must discontinue using our platform immediately.

Distroo operates within the Insurance Marketing Firm regulatory framework established by the Insurance Regulatory and Development Authority of India (IRDAI).

Distroo strictly adheres to ethical solicitation guidelines and IRDAI advertising regulations:

• We do not make unsupported claims such as "best", "lowest premium", "guaranteed claim", "100% claim approval", or similar promotional guarantees.
• Any illustrative premium calculations or cover estimates displayed on our website or shared during advisory consultations are indicative figures provided for educational purposes. Final premiums are determined solely by the respective insurance company based on underwriting evaluation, medical disclosures, age, occupation, and prevailing tax levies.
• Insurance coverage begins only upon formal acceptance of the proposal by the underwriting insurer and receipt of the full premium.

All insurance contracts in India are based on the legal principle of Uberrima Fides (Utmost Good Faith). When submitting information to Distroo or our partner Advisors:

• You are legally obligated to disclose all material facts, medical history, prior hospitalization records, existing insurance policies, and hazardous lifestyle habits completely and truthfully.
• Non-disclosure, omission, concealment, or misstatement of material facts may result in the insurance company declaring the policy void from inception and repudiating claims in accordance with Section 45 of the Insurance Act, 1938.
• Distroo and its Advisors accept no responsibility or liability for claim denials resulting from inaccurate, fraudulent, or incomplete information furnished by policy applicants.

Customer-facing interactions are conducted by certified Advisors, who are accredited Insurance Sales Persons (ISPs) compliant with IRDAI IMF regulations. Advisors are trained to assist customers in risk analysis, plan comparison among tied insurers, and application documentation.

Advisors are prohibited from charging consultation fees to customers, offering unauthorized premium rebates, or providing guarantees contrary to insurer policy wordings.

By utilizing this portal, you agree that you will not:

• Submit false, fraudulent, or misleading personal, medical, or vehicle details.
• Interfere with or disrupt the operation of our servers, digital infrastructure, or lead routing networks.
• Use automated spiders, scrapers, or bots to harvest data from our portal without written authorization.
• Attempt to reverse-engineer or decompile any software or workflow algorithms utilized on the website.

The Distroo name, logo, ecosystem mark (Navy, Teal, Saffron), page designs, graphics, text copy, and proprietary service names are the exclusive intellectual property of Distroo IMF Pvt. Ltd. Insurer trademarks, trade names, and logos displayed on the site belong to their respective corporate owners and are used strictly for identification and informational representation pursuant to regulatory tie-ups.

To the maximum extent permitted by applicable Indian law, Distroo, its directors, officers, employees, and authorized Advisors shall not be liable for any indirect, incidental, consequential, or punitive damages arising from:

• Any underwriting decision, policy rejection, counter-offer, or premium loading imposed by an insurance company.
• Any delay, rejection, partial settlement, or repudiation of an insurance claim by the insurer.
• Technical interruptions, maintenance downtime, or telecommunication failures affecting the website.

You agree to defend, indemnify, and hold harmless Distroo IMF Pvt. Ltd., its directors, employees, and representatives from and against any claims, liabilities, damages, losses, and legal expenses arising out of your violation of these Terms, submission of inaccurate disclosures, or infringement of third-party rights.

These Terms shall be governed by, construed, and interpreted in accordance with the laws of the Republic of India, without regard to its conflict of law principles.

Any dispute, controversy, or claim arising out of or relating to these Terms or the use of Distroo's services shall be subject to the exclusive jurisdiction of the competent courts located in Mumbai, Maharashtra, India.