Terms & Conditions

Please read these terms carefully before using this website. Continuing to use the site means you accept them.

1. Purpose of this website

This is the professional website of Insurance Service Center, proprietor L. R. Sahu, an insurance advisor based in Raipur, Chhattisgarh. Its purpose is to describe the services offered and to provide a way for interested people to get in touch.

2. Nature of the information

• The content on this website is general information only. It is not financial, tax, medical or legal advice.
• Every person's circumstances differ, so a personal consultation is necessary before any decision is made.
• Tax benefits depend on the income tax rules in force at the time, which may change.

3. No guaranteed returns

No fixed profit, assured market return or guaranteed claim approval is claimed anywhere on this website. Where a product is described as a guaranteed income plan, the guarantee is only the one written into that insurer's policy document, and it applies subject to the conditions stated there, including timely payment of premiums. The benefits, bonuses, lock-in periods, waiting periods and exclusions of every plan are governed entirely by the policy document. Please read it carefully before taking any plan.

4. Who issues the policy

All insurance products are issued by the respective insurance company. Accepting or declining a proposal, setting the premium and deciding a claim are entirely the company's decisions. The advisor's role is limited to guidance, documentation and assistance.

5. Your responsibilities

• Information given in the form and in a proposal should be accurate and complete. Incorrect or withheld information can affect a proposal or a claim.
• The website must not be used for any unlawful, misleading or harmful purpose.
• Any attempt to interfere with the security or functioning of the website is prohibited.

6. Intellectual property

The design, text, images and other content of this website belong to Insurance Service Center (L. R. Sahu) or the authorised developer. They may not be republished or used commercially without written permission.

7. External links

This website may link to third-party services such as WhatsApp, Google Maps and social media platforms. No responsibility is accepted for the content or policies of those websites.

8. Limitation of liability

Every effort is made to keep the information on this website accurate, but no liability is accepted for any loss arising from an error, an omission, or the website being temporarily unavailable. The terms of the policy document will always prevail.

9. Changes to these terms

These terms may be revised without prior notice. Revised terms take effect as soon as they are published on this page.

10. Governing law

These terms are governed by Indian law, and any dispute will fall under the jurisdiction of the courts at Raipur, Chhattisgarh.

11. Contact