Terms

TERMS & CONDITIONS

Introduction

Welcome to Siddhi Insurance Services, having its registered office at SIDDHI INSURANCE SERVICES, In Front of Swami Samart Temple, Ambad, Jalna, Maharashtra – 431204 (“Company”, “we”, “our”, “us”). These Terms & Conditions (“Terms”) govern your access to and use of our website, communication platforms, WhatsApp Official Business API, RCS messaging services, and related digital services offered by Siddhi Insurance Services.

By accessing, browsing, or using any of our services, you agree to comply with and be legally bound by these Terms. If you do not agree, you must discontinue usage immediately.

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Definitions

• “User” means any individual or entity accessing our services.
• “Services” refers to insurance advisory, policy assistance, digital communication, WhatsApp/RCS notifications, and customer support.
• “Platform” means website, WhatsApp Business API, RCS, email, and related systems.
• “Content” includes text, logos, messages, templates, and materials shared.
• “Third-Party Providers” include Meta (WhatsApp), telecom operators, and service vendors.

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Acceptance of Terms

By using our Services, you confirm that:

• You are legally capable of entering a binding agreement under Indian law.
• You have read, understood, and accepted these Terms.
• You consent to electronic communication, including WhatsApp and RCS messaging.

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Description of Services

Siddhi Insurance Services provides:

• Insurance consultation and customer assistance
• Policy-related updates and reminders
• Claims guidance and support
• Digital communication through WhatsApp Official API and RCS
• Customer engagement, service notifications, and transactional messages

We do not guarantee insurance approval, claim settlement, or third-party insurer decisions.

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Eligibility

You must be at least 18 years of age to use our services. By using our platform, you represent that all information provided is accurate and lawful.

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Account Registration

Some services may require registration or submission of personal details. You agree to:

• Provide accurate and updated information
• Maintain confidentiality of any login credentials
• Accept responsibility for activities conducted under your account

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User Responsibilities

Users agree not to:

• Misuse our communication channels
• Send false, abusive, or misleading information
• Attempt unauthorized access to systems
• Violate applicable laws, Meta policies, or telecom regulations

Any violation may result in service suspension or legal action.

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Payment & Billing Terms

Certain services may involve fees. All payments:

• Are subject to agreed pricing
• Are non-refundable unless stated otherwise
• Must comply with applicable tax laws in India

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Subscription Renewal & Termination

Subscriptions, if applicable:

• May auto-renew unless cancelled
• Can be terminated by us for policy violations
• Can be discontinued by users with prior notice

Termination does not affect accrued obligations.

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Use of WhatsApp Official API & RCS

Siddhi Insurance Services strictly follows:

• Meta Business Messaging Policies
• RCS messaging regulations
• Opt-in and opt-out requirements

Users receive messages only after explicit consent and may opt out anytime.

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Message Delivery & Compliance Policy

We do not guarantee:

• Message delivery timelines
• Platform availability
• Telecom network reliability

Message failures due to third-party systems are not our liability.

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Intellectual Property Rights

All content, branding, logos, and materials belong exclusively to Siddhi Insurance Services. Unauthorized reproduction or use is prohibited.

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Confidentiality

We maintain confidentiality of user information except where disclosure is required by law or regulatory authorities.

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Disclaimer of Warranties

Services are provided “as is” without warranties of any kind, including accuracy, availability, or fitness for a particular purpose.

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Limitation of Liability

To the maximum extent permitted by law, Siddhi Insurance Services shall not be liable for:

• Indirect or consequential damages
• Loss of data or business
• Third-party platform failures

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Indemnification

You agree to indemnify and hold Siddhi Insurance Services harmless from claims arising due to your misuse of services or violation of these Terms.

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Governing Law (India)

These Terms are governed by the laws of India. Courts in Maharashtra shall have exclusive jurisdiction.

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Changes to Terms

We reserve the right to update these Terms at any time. Continued use constitutes acceptance of revised Terms.

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Contact Information

Siddhi Insurance Services
📍 Ambad, Jalna, Maharashtra – 431204
📞 9689087357
📧 vinodmagar19818@gmail.com