Terms of Service
Please read these terms carefully before using PolicyWording services.
Last updated: September 20, 2025
1. Acceptance of Terms
By accessing and using PolicyWording ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Description of Service
PolicyWording is a digital platform that provides insurance policy comparison and analysis tools. We help users:
- Compare insurance policies from various providers
- Search and analyze policy terms and conditions
- Bookmark important policy sections for reference
- Access simplified policy summaries and explanations
3. User Accounts
To access certain features of our service, you may be required to create an account. You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized use of your account
- Ensuring the accuracy of information provided during registration
4. Acceptable Use
You agree to use PolicyWording only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the service for any fraudulent or unlawful purpose
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt the service or servers
- Upload or transmit viruses, malware, or other harmful code
- Violate any applicable local, state, national, or international law
5. Information Accuracy
While we strive to provide accurate and up-to-date policy information, PolicyWording:
- Does not guarantee the accuracy, completeness, or timeliness of policy information
- Is not responsible for errors in policy documents or summaries
- Recommends users verify all information directly with insurance providers
- Does not provide personalized insurance advice or recommendations
6. Intellectual Property
The PolicyWording platform, including its design, features, and content, is protected by intellectual property laws. Users may not:
- Copy, reproduce, or distribute our proprietary content
- Reverse engineer or attempt to extract source code
- Use our trademarks or branding without permission
- Create derivative works based on our platform
7. Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
8. Disclaimers and Limitations
PolicyWording is provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to:
- Merchantability and fitness for a particular purpose
- Non-infringement of third-party rights
- Uninterrupted or error-free service
- Accuracy of information or data
9. Limitation of Liability
To the maximum extent permitted by law, PolicyWording shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities.
10. Indemnification
You agree to indemnify and hold harmless PolicyWording, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the service or violation of these Terms.
11. Termination
We reserve the right to terminate or suspend your account and access to the service at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users or our business.
12. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the service after changes are posted constitutes acceptance of the modified Terms.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the service shall be subject to the exclusive jurisdiction of the courts in Mumbai, India.
14. Contact Information
If you have any questions about these Terms, please contact us at:
- Email: legal@policywording.com
- Address: PolicyWording India, Mumbai, Maharashtra
- Phone: +91-22-XXXX-XXXX
15. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.