• C/343, Business Park, Soni Ni Chali Cross Road
  • Opening Hours: 10:00am - 07:00pm
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Sankalp Insurance stands as a symbol of trust, dedicated to protecting your aspirations and ensuring your future security. Offering a wide array of inclusive insurance options, we place your welfare at the forefront. Our customized policies, transparent practices, and dedication to customer contentment distinguish us from the rest.

Terms Of Use Details

Our Terms of Use specify guidelines for accessing and using our website. Stay informed about our policies and your responsibilities.

Website Terms of Use

This Website, which is owned and maintained by us, grants users access to an online collection of information and materials and specific online services provided by us. The pronouns "we," "us," and "our" pertain to Sankalp Insurance. The contents provided on this platform may contain information about certain insurance products and services ("Products and Services") and insurance-related services we offer. The Website includes various forms of Content such as text, pictures, graphics, logos, button items, images, works of authorship, and other material related to the Products and Services. This Content, along with any information and material about the Products and Services, is collectively called "Content". Additionally, the Website may offer access to specific proprietary Software used to navigate and utilize the functionality provided, referred to as "Software".

The usage and access of this Website are governed by these terms of use ("Terms of Use"), in addition to all relevant laws and regulations. Kindly review these Terms of Use attentively. Suppose you do not consent to and agree to be legally obligated by any of these Terms of Use. In that case, you are not permitted to access or otherwise utilize This website and any content, services, or Software found on it. By entering and using this Website, you recognize and consent to adhere to all the terms and conditions specified below. Unless stated otherwise, any additional Services, Content, and Software included in this Website shall likewise be governed by these Terms of Use from the date of their inclusion. We strongly advise you to regularly review the Website and these Terms of Use for any revisions or modifications.

  • Limited License and Site Access - You are given restricted authorization to browse and utilize this Website for personal purposes. However, you cannot download or alter any part without our permission. This license prohibits the resale or commercial use of this Website, its Contents, or Software. It also prohibits the collection and use of any product listings, descriptions, or prices and any derivative use of this Website or its contents. Additionally, data mining, robots, or similar data gathering and extraction tools are strictly forbidden. The reproduction, duplication, copying, selling, reselling, visiting, or any other form of exploitation of this Website or any part of it for commercial purposes is strictly prohibited without our explicit written approval. Without our written agreement, you are prohibited from framing or using framing methods to enclose any of our trademarks, logos, or other private information, including images, textures, page layout, structure, or form. Without our clear written consent, you are prohibited from using any meta-tags or other "hidden text" that incorporates our name(s) or service marks. The permission or license granted by us is terminated if this Website is used without authorization.
  • Availability of Products and Services - Due to insurance and regulatory limitations, certain of the Products and Services mentioned on this Website may not be accessible to all individuals who can use this Website. This is because we can only sell these Products and Services in specific countries. Furthermore, the availability and suitability of Products and Services may differ depending on the jurisdiction. Not all United States jurisdictions have access to or are compatible with all Products and Services. Unless explicitly stated otherwise, the information included on this platform does not establish an offer to sell or a request to purchase any insurance product or any other product or service from us. We do not offer or sell any insurance product or other product or service that would be unlawful in any area where such offer, solicitation, purchase, or sale is prohibited by law.

    To determine the availability of Products and Services in your State, kindly contact one of our designated agents or your insurance agent.

    This Website may include concise descriptions or other informative Content about products and services. We strive for utmost precision, but any such documents aim to provide a general description of the Products and Services and are subject to the precise terms and conditions of the actual policy or product/service agreement they pertain to. Complete policy terms can be provided upon request.

  • Copyright – Unless otherwise noted, all Content and Software on this Website are copyrighted works owned by us or third-party content suppliers. They are protected by copyright laws in the United States and elsewhere. The compilation, which refers to the gathering, organization, and assembly of all Content and Software, is solely owned by us and is safeguarded by copyright laws in the United States and internationally.

    Users are permitted to download and print information from this Website for personal use as long as they maintain the integrity of the Content and refrain from modifying or removing any copyright or other notices (such as trademarks or patents) embedded in the information. Unless explicitly stated otherwise, you are not allowed to change, edit, duplicate, distribute (for payment or otherwise), send, showcase, execute, reproduce, reuse, publish, authorize, frame, download, store for later use, create imitative works from, transmission, or sell any information or Content acquired from this Website, whether it be text, images, audio, or video, in any way, without obtaining our written permission beforehand. Unauthorized use of Content, including photographs, is strictly prohibited unless explicitly approved by us. We cannot guarantee or affirm that your utilization of Content, Services, Software, or any other things shown on this Website will not violate the rights of third parties.

  • Trademarks and Service Marks – The trademarks, service marks, trade dress, product names, company names, and logos shown on the Website, whether registered or not, belong to us or their respective owners. Furthermore, you are obligated to adhere to all relevant legislation. You are prohibited from utilizing any trademarks, service marks, trade, or other logos from this Website without obtaining our explicit written consent.
  • Ownership of information submitted via this Website – Except for personal data or information submitted by you, which our Privacy Statement will handle, any information you send to us through this Website, whether through direct entry, submission, email contact, or any other means, including data, questions, comments, or suggestions, will be examined non-confidential and non-proprietary, and will become our property. This information can be utilized for various purposes, such as reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. You grant us unrestricted permission to use any ideas, concepts, know-how, or techniques found in any message you provide through this Website or any other method for any purpose whatsoever, including, but not limited to, the creation and promotion of goods employing said information.
  • Proprietary Software – All Software available on this Website is owned by us or our suppliers and is safeguarded by Indian patent, trade secret, and copyright laws and international treaties. You are banned from using the Software for any purpose other than navigating and utilizing the intended functionality of this Website. You are prohibited from reproducing, disseminating, publicly exhibiting, changing, altering, decompiling, disassembling, reverse engineering, or attempting to uncover the Software's source code. Additionally, you agree not to utilize any method other than the interface we provide through this Website to access the Services or Content for your use.
  • Prohibited Use – Any use or attempted use of this Website that is unlawful, unauthorized, fraudulent, or malicious, or that could cause damage, disablement, overburdening, or impairment to any server or connected network, or that interferes with another party's use of the Website, or that seeks unsanctioned access to other accounts, computer systems, or networks over hacking or other means, or that accesses systems, data, or information not intended for user access, or that attempts to obtain materials or information through unauthorized means, or that is not for the intended business purpose, is prohibited.

    Additionally, about your utilization of the Website, you consent to refrain from:

    (a) Fabricate a fraudulent persona to deceive others or assume the identity of anyone or organization, including our agents. Additionally, refrain from making false claims or misrepresenting your association with any person or business.

    (b) You are not allowed to register, subscribe, attempt to register, unsubscribe, or attempt to unsubscribe any party for any Services unless you have explicit authorization from that party.

    (c) Present any information that is inaccurate, deceptive, excludes essential details, or is generally erroneous or incomplete in a significant way;

    (d) Uploading or distributing any Material that is illegal, dangerous, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, or otherwise offensive or that may violate someone else's privacy or public image is strictly banned.

    (e) You are prohibited from uploading or transmitting any Material you do not have the legal right to reproduce, display, or transmit, either by law or by contractual or fiduciary obligations.

    (f) Send files that include malicious Software, such as viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other harmful programs that could damage another person's computer or property.

    (g) You are prohibited from uploading or transmitting any Material that violates any party's intellectual property rights, such as patents, trademarks, service marks, trade secrets, copyrights, or other proprietary rights.

    We have the authority to take any legal steps that we see suitable in response to confirmed or suspected violations of the terms above, which may include, but are not limited to, suspending or terminating the user's access and account.

  • Editorial Control of Non-Party Content: Nothing to say Inaccurate: – To the extent that any of the Content included in the If third-party content providers provide any of the Content on the Website, we do not have any editorial control or responsibility over the Content. Thus, the opinions, comments, services, or any other information provided by third-party suppliers on this Website solely belong to such suppliers. We do not guarantee the truth or reliability of any opinions, statements, or other material third parties provide. We also do not guarantee that your use of the Content published on this Website or related Content or service providers will not violate the rights of third parties. You recognize that placing trust in Content shared by other users is your responsibility. Any statements made by other users on the Website cannot be attributed to us, and we are not liable or responsible for such postings.
  • Hyperlinks to Third-party Website: – This Website may incorporate hyperlinks to external websites owned and maintained by entities other than ourselves. The hyperlinks are provided solely for quick reference and convenience. We lack authority over these websites and cannot be held accountable for their Content or accuracy. We do not support these sites unless explicitly stated. Suppose this Website includes hyperlinks to other websites not owned, operated, or retained by the Owner or its affiliates. Then, you know that we can't be held accountable for anything you find on or through any of the other websites linked to ours, whether it's content, goods, services, or anything else. We do not assume any responsibility for the accuracy or reliability of the information, goods, ads, Content, services, or Software available on these third-party websites.

    Additionally, we are not liable for any consequences arising from your decision to visit or interact with these websites. Such details include terms of use and privacy policies that you should examine. We have no duty to keep any link on our Website and can remove a link at any time at our discretion, for any reason. We do not assume responsibility or liability, whether directly or indirectly, for any damages or casualties resulting from utilizing or relying on the Content, products, services, or other items provided on or via any website. We disclaim all obligations for the privacy practices of any other websites.

  • Website Privacy Statement – Our Website Privacy Statement provides a comprehensive explanation of the specific methods and protocols we employ to handle and manage personal information that we gather from users on our Website. We strongly motivate you to peruse our Website Privacy Statement.
  • Modification to Services – Products and services, Content, and Software are subject to change or termination at any time and without notice in our sole discretion. We shall not be responsible to you or any third party for any alterations or termination of any Products and Services, Content, or Software.
  • Disclaimer – The information provided on this Website is meant to serve as a convenience to users and should not be considered as advice or recommendations to be relied upon. We have diligently gathered, organized, and presented reliable information and materials. However, unless explicitly stated otherwise, we do not provide any warranty or assurance regarding the accuracy, comprehensiveness, or sufficiency of the information found on this Website or any other website we manage. Users who depend on information from this Website assume the risk themselves.

    The information and descriptions provided here must comprehensively explain the terms, exclusions, and conditions that apply to the Products and Services. They are only intended for general informational purposes. For a full rundown of all terms, conditions, and exclusions, please refer to the policy or applicable product/service agreement. If you decide to buy a product from us or a third party, the terms and conditions that apply to that transaction will control the purchase. Your use of this Website does not impact that purchase.

    This Website offers planning and instructional resources, which may include calculators. These tools and calculators enable you to simulate hypothetical situations, providing exemplary results derived from specified facts and assumptions. There needs to be assurance that the displayed findings are necessarily precise or attainable. Furthermore, it should be noted that these tools and calculators are not included in any planning report you may have paid for, regardless of whether they incorporate information generated from or contained in such a report.

    Using this Website carries inherent risks that you alone are responsible for. All services, Content, and Software are provided in their current state and availability. We explicitly reject all warranties and conditions, including all warranties, whether express or implied, and those about merchantability and fitness for a certain purpose. We do not guarantee the accuracy, timeliness, uninterrupted operation, virus-free nature, or error-free performance of the services, Content, and Software. Additionally, we cannot guarantee that any issues of this nature will be resolved.

  • Limitation of Liability

    The user understands and accepts that we are not liable for any kind of damages, whether direct, indirect, incidental, special, consequential, or exemplary. This includes damages for services or products lost, data lost, use lost, or any other intangible loss. The user is accountable for any damages arising from the inability to use the website, services, content, or Software. They are also responsible for the cost of obtaining substitute products and services if any data, information, products, or services received from transactions or purchases made through the website are lost or damaged. Additionally, we are not responsible for the words or actions of any third party in connection with the Website, services, Content, or Software. If you suffer any kind of loss or harm from using our website, you agree that by doing so, you are waiving your right to sue us individually or join a class action lawsuit.

    In specific legal systems, it may not be allowed to exclude certain guarantees or limit or exclude liability for incidental or consequential damages. As a result, some of the limits mentioned above may not apply to you.

    Several states illegally limit or exclude implied warranties or damages. If you are subject to these laws, some or all of the disclaimers above, exclusions, or limitations may not apply to you, and you may possess additional rights.

  • Notices – We will publish any notifications regarding the Website or these Terms of Use on this Website or send them via email.
  • Electronic Communications

    By accessing our Website or sending us emails, you engage in electronic communication. You are consenting to obtain electronic communications from us when you use our services. You can reach us by email or over the announcements posted on this website. You agree that any electronic communications, including agreements, notifications, disclosures, and others, satisfy all legal requirements.

    General Provisions

  • Entire Agreement – The Terms of Use, Website Privacy Statement, and other policies posted on this Website form the complete agreement between you and us regarding your use of this Website, its Content, Services, and Software. These terms replace any previous agreements between you and us concerning using this Website, including earlier versions of these Terms of Use.
  • Age and Location of User – The Content on this Website is intended for those who are 16 years of age or older and reside or engage in business activities in the United States. We do not guarantee that the Content, information, Services, or Software can be accessed or used outside the United States. Using the Services, Content, and Software is strictly forbidden in jurisdictions that are not permitted by law.
  • This Website includes a legally enforceable arbitration provision that the parties involved may enforce.
  • Dispute Resolution – All disputes or disagreements related to these Terms of Use, our Privacy Statement, or the use of this Website will be resolved through binding arbitration, following the commercial arbitration rules of the American Arbitration Association. But we can go to any Indian court, federal or state, for injunctive or other appropriate action if you've infringed or threatened to infringe our IP rights. By using this Website, you agree to such courts' exclusive jurisdiction and venue. Any dispute or legal argument will be resolved through arbitration on an individual level and will not be combined with any other party's claims or disputes in the arbitration process. The arbitration will take place in India. Any disputes regarding the arbitrator's decision, including the entry of judgment on the mediation award, may be filed and will be under the sole jurisdiction of the State and federal courts in India. You give up any objections related to jurisdiction, venue, or inconvenience to these courts. You or we can request temporary or initial legal action from a state or federal court in India if it is required to safeguard your or our rights or property while arbitration is ongoing. You acknowledge and consent that any legal action taken to enforce this arbitration provision will be initiated in Lansing, India's federal or state courts.
  • Governing Law; Jurisdiction; Venue; Severability of Provisions – In India, the governing rules for insurance service providers are primarily regulated by the Insurance Regulatory and Development Authority of India (IRDAI) Act of 1999, amended in 2002, and subsequent regulations issued by the IRDAI. The IRDAI Act establishes the framework for regulating and supervising the insurance industry in India, aiming to ensure stability, transparency, and consumer protection. Under this legislation, insurance companies must obtain licenses from the IRDAI to operate in the Indian market and comply with various regulatory requirements concerning capital adequacy, solvency margins, investment norms, and customer grievance redressal mechanisms. Additionally, insurance contracts in India are governed by the Insurance Act of 1938, which outlines policy issuance, premium payment, claim settlement, and dispute resolution provisions. Furthermore, insurance companies must adhere to other relevant laws and regulations, such as the Insurance Ombudsman Rules, the Consumer Protection Act, and the Information Technology Act, among others, to maintain legal compliance and uphold the integrity of the insurance sector in India.
  • Password Accounts, Passwords, and Security

    If you can create an account on this Website, granting you access to password-protected areas, you must complete the registration process. This involves providing us with up-to-date, comprehensive, and accurate information as requested in the registration form and selecting a password and username. It is your sole responsibility to ensure the secrecy of your password and account and oversee all actions carried out under your account. You must promptly inform us of any unsanctioned use of your account or any other security breach that you become aware of and fully log out of your account at the end of each online session. We shall not be held responsible for any financial or material harm you may suffer due to the unauthorized use of your password or account, whether or not you were aware of it. Nevertheless, you may bear responsibility for any financial or other damages suffered by us or a third party due to unauthorized access to your account or misuse of your password by another individual. Unauthorized usage of another individual's account is strictly prohibited without the explicit consent of the account owner.

  • Severability

    Each disclaimer and condition of the Terms of Use should be read to the fullest extent allowed by law, ensuring their validity and enforceability. Suppose any provision in this agreement is committed to be invalid or unenforceable according to the law. In that case, that provision will be adjusted to make it legitimate and enforceable while still reflecting the original intention of the provision to the fullest extent practicable. If it is not possible or allowed to make such changes, If one part of this assent is found invalid or unenforceable, it will not impact the other parts in any way.

  • Waiver

    Any waiver of a term or condition stated above will not be considered a subsequent or ongoing waiver of that specific term or condition or any other term or condition.

  • Modification of Terms

    We retain the authority to alter these Terms of Use without providing you with prior notification, and your ongoing utilization of the Website after such alterations will render them obligatory for you. These Terms of Use remain in effect until we terminate or alter them. If these Terms of Use are terminated, the disclaimers and limits of obligations stated in the Terms of Use shall continue to be in effect. The revised Terms of Use shall solely apply to conflicts that occur after the publication of the amendment on the Website. Once the Terms of Use have been altered, the Website will i a link to a Notification of adjustment for Website users for one (1) year following the adjustment's effective date.

  • Third Party Report Ordering

    The Federal Fair Credit Reporting Act regulates the utilization of reports transmitted through the iBIS system, the Driver's Privacy Protection Act, similar state statutes, and additional state and federal legislation. You are accountable for ensuring that your demands comply with the law. To obtain reports for underwriting reasons, it is necessary to have a fully filled-out application and the verbal consent of the consumer being investigated. To get consumer reports for insurance claims, it is essential to possess the signed written permission of the individual in question and adhere to the additional stipulations outlined by state and federal legislation.

  • The Federal Fair Credit Reporting Act establishes criminal sanctions, including a monetary penalty, a maximum prison sentence of two years, or both, for individuals who intentionally and knowingly acquire consumer information from a consumer reporting agency through deceit. Additionally, the Act imposes penalties on individuals who obtain such consumer information without a valid reason.

    If you have any inquiries concerning your entitlements and responsibilities, please contact eBusiness Support at Ext. 3000 or agencyservices@fmins.com before utilizing the Website.

  • Contacting Us

    If you have any questions about these Terms of Use, please write to us at rajupatel@sankalpins.com.