Terms of Use

Tecloudex Solutions Private Limited ("PolicyVent", "we", "us", "our") operates this website and mobile application as an IRDAI-licensed insurance intermediary. We compare and facilitate the purchase of insurance products from IRDAI-registered insurers. We are not an insurer. The insurance contract is between you and the insurer you choose; PolicyVent acts solely as an intermediary.

To use this platform you must:

• Be at least 18 years of age.
• Be legally capable of entering into a binding contract under Indian law.
• Provide accurate personal details when submitting forms or proposals.
• Not be accessing the platform on behalf of an entity you are not authorised to represent.

Some products may have additional eligibility requirements set by the issuing insurer.

You may use this platform to:

• Compare insurance plans for personal or family use.
• Obtain quotes, apply for, purchase, and renew policies.
• Track claims and access policy documents related to your own policies.
• Contact our support team for assistance.

You agree not to:

• Provide false, inaccurate, or misleading information in any form.
• Use the platform for commercial purposes, scraping, or bulk data harvesting.
• Attempt to gain unauthorised access to any account, system, or network connected to the platform.
• Upload malicious code, interfere with platform security, or launch denial-of-service attacks.
• Impersonate any person or entity, or misrepresent your affiliation.
• Violate any applicable law, regulation, or IRDAI guideline.

Automated access (bots, crawlers) is permitted only for content explicitly allowed by our robots.txt.

Quotes displayed are generated using data you provide and the insurer's published rate cards at the time of query. Premiums shown are indicative. Final premium, policy terms, and issuance are at the sole discretion of the insurer based on underwriting and KYC verification.

The policy wording and product brochure issued by the insurer constitute the binding contract. Please read them carefully before purchase. PolicyVent provides plan summaries for comparison convenience; the official documents always take precedence.

Displaying a quote does not constitute an offer of insurance. A policy is issued only after successful premium payment and insurer acceptance.

All premium payments are collected and routed directly to the insurer through PCI-DSS compliant, RBI-approved payment gateways. PolicyVent does not charge customers any service, platform, or advisory fee.

Refunds, free-look cancellations (within 15–30 days of policy receipt), and grievance handling are governed by the insurer's terms and IRDAI regulations. We will assist you in initiating these requests.

The platform's design, original content, software, proprietary graphics, databases, and trade dress are owned by or licensed to Tecloudex Solutions Private Limited and are protected by copyright, trademark, and other intellectual property laws.

Insurer logos, trade names, and product names are the property of the respective insurers and are displayed here solely for identification and comparison purposes.

You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission.

The platform is provided "as is" and "as available". While we make reasonable efforts to keep information accurate and the platform available 24/7, we make no warranty — express or implied — regarding:

• The completeness, accuracy, or timeliness of plan information or quotes.
• Uninterrupted or error-free operation of the platform.
• Fitness of any insurance product for a particular purpose.

Insurance is the subject matter of solicitation. IRDAI Registration No. [Pending].

To the maximum extent permitted by applicable law, PolicyVent and its directors, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform or any insurance product purchased through it — including loss of data, profits, or goodwill. Our maximum aggregate liability for any claim shall not exceed the commission received (if any) on the transaction giving rise to the claim. Disputes regarding a policy are between you and the issuing insurer.

You agree to indemnify, defend, and hold harmless PolicyVent and its affiliates, officers, employees, and agents from any third-party claim, demand, loss, liability, or expense (including legal fees) arising out of: (a) your misuse of the platform; (b) your violation of these Terms; (c) your provision of false or misleading information; or (d) your infringement of any third-party right.

These Terms are governed by and construed in accordance with the laws of the Republic of India. Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved amicably within 30 days of written notice.

If amicable resolution fails, disputes shall be subject to the exclusive jurisdiction of the courts at Gurugram, Haryana, India. For insurance disputes, the IRDAI Insurance Ombudsman process is available as an alternative forum.