Terms & Conditions
Welcome to A & S Fincare.
These Terms & Conditions govern your access to and use of our website https://asfincare.com and our insurance advisory services.
By accessing or using our website, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of our website and services.
1. Definitions
“Company”, “We”, “Our”, “Us” refers to A & S Fincare.
“User”, “You” refers to any individual accessing or using our website or services.
“Services” refers to insurance advisory, policy comparison assistance, onboarding support, and claim-related procedural guidance provided by A & S Fincare.
2. Eligibility
By using this website, you confirm that:
• You are at least 18 years old, or
• You are accessing the website under the supervision of a legal guardian.
Our services are intended for individuals seeking insurance guidance within India.
3. Nature of Services
A & S Fincare operates as an IRDAI Registered Insurance Advisor.
We provide:
• Insurance consultation and policy comparison
• Guidance on selecting suitable health and life insurance plans
• Assistance with documentation and onboarding
• Procedural support during claim processes
Important:
• We do not issue insurance policies directly. Policies are issued by respective insurance companies.
• Claim approvals are subject to insurer terms and underwriting guidelines.
• We do not provide medical, legal, or investment advisory services.
All website content is for informational and awareness purposes only.
4. User Responsibilities
By using our website, you agree:
• To provide accurate and complete information
• Not to submit false, misleading, or fraudulent details
• Not to misuse the website or services
• Not to attempt unauthorized access to our systems
• Not to upload malicious software or harmful content
• To comply with applicable laws and regulations
5. Fees & Compensation
Our advisory services may be compensated through commissions received from insurance companies in accordance with IRDAI regulations.
Users are not charged separately for consultation unless explicitly stated.
Policy premiums are determined by the respective insurance companies and must be paid directly to them.
6. Intellectual Property Rights
All content on this website, including:
• Text
• Graphics
• Logos
• Images
• Website design
is the property of A & S Fincare and is protected by applicable copyright and intellectual property laws.
Unauthorized reproduction, distribution, or modification is strictly prohibited.
7. Limitation of Liability
A & S Fincare shall not be liable for:
• Decisions made based on website content
• Policy rejection or claim denial by insurers
• Indirect or consequential losses
• Technical interruptions or website downtime
Users acknowledge that insurance decisions are subject to insurer terms, underwriting evaluation, and regulatory guidelines.
Use of this website is at your own discretion.
8. Termination of Access
We reserve the right to:
• Suspend or terminate user access
• Restrict service availability
without prior notice in cases of misuse, abuse, or violation of these Terms.
9. Privacy
Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your information.
10. Governing Law & Jurisdiction
These Terms shall be governed by and interpreted in accordance with the laws of India.
Any disputes arising out of these Terms shall be subject to the jurisdiction of the courts in Kerala, India.
11. Modifications to Terms
A & S Fincare reserves the right to update or modify these Terms at any time.
Changes will be posted on this page with a revised effective date.
12. Contact Information
For any questions regarding these Terms & Conditions, please contact:
A & S Fincare
Website: https://asfincare.com/
Email: as.fincare@gmail.com
Phone: +91 90613 77722
