Disclaimer & Other Policies

This website/mobile application (collectively, “Website”) with the domain name www.benefitscircle.com is the official website of Marsh India Insurance Brokers Private Limited (hereinafter, “Benefits Circle” or “We” or “Our” or “Us”). Your access or use of any part of the Website is subject to the Terms of Use and the Privacy Policy of Benefits Circle which are available at www.benefitscircle.com This disclaimer page shall be applicable all visitors, prospective customers, customers and others (“You” or “Your” “Yourself” or “User”) who access or use any service from this Website. Please read the following disclaimers carefully before using this Website:

• Benefits Circle intends to provide clear and unbiased information about insurance policies and services. The information and data are generic in nature. Our aim is to offer unbiased, accurate, complete and responsible data to the best of our ability. We are, however, in no manner or form responsible for any discrepancies in the information, details or data published on our website including information, details or data we receive from third parties, including any insurance companies.
• Benefits Circle does not control or endorse the content, messages or information found in any insurance policy provided by any insurance company (ies) and merely acts in its capacity as an insurance broker. Therefore, we specifically disclaim any liability with regard to the insurance policies and services offered by insurance company (ies) and any actions resulting from your purchase and/or use of such insurance policies and services.
• Insurance is a subject matter of solicitation and the insurance policy issued to you is based on the information and details provided by you to Benefits Circle for Your proposed contract with the insurance company (ies). The insurance company underwriting the particular insurance policy purchased/serviced through Our Website is solely responsible for underwriting your policy, carrying out servicing requests you make under your policy and settling any claim(s) thereunder and/or taking any decisions on claim settlements. By its operation of the Website, Benefits Circle is only acting in the capacity of an insurance broker and does not, in any circumstances, underwrite any insurance business or partake in any part of such insurance business underwritten.
• You shall be solely responsible for the authenticity of all the documents, details and information uploaded/provided by you on this Website. We are acting only as a facilitator (in the capacity of an insurance broker) between you and insurance company (ies) and will not be responsible to for the authenticity of any document/information submitted by you.
• It is the responsibility of the User to understand the limitations and risks involved in the insurance policies while buying the same and under any circumstances, form or manner, we are not liable in such cases. We also recommend that you read the sales brochure and other offer documents of respective insurance companies carefully to understand the risk factors and the terms, conditions and exclusions of the insurance product, before buying the insurance policy.
• The information given on this Website about various insurance policies is only indicative in nature and do not constitute the entire terms, conditions and exclusions of the insurance policy. For further details on the same, please refer to the insurance company’s detailed policy wordings, which are available on the links provided or upon request, as applicable.
• We are only assisting in collecting the premium on behalf of the insurance company (ies) chosen by you to avail the insurance product. The acceptance of the deposit as premium and final issuance of the insurance policy is subject to the underwriting norms and discretion of the insurance company (ies) on which we have no control, and that product information is solely based on the information received from the insurance company (ies).
• By making use of the Website, and furnishing your personal/contact details, you hereby agree that you are interested in inquiring further, availing or purchasing the service(s) that you have selected. You hereby agree that Benefits Circle may contact you either electronically or over the phone, to understand your interest in the selected insurance products and service(s) (such as renewals, reminders, etc.) and to understand your queries and requirements. You also agree to receive promotional materials and/or special offers from Benefits Circle or through its service providers/affiliates through email or SMS.
• While we always endeavour to maintain high standards in quality, clarity and accuracy of the contents, products, information and services published on the Website, Benefits Circle makes no representations or warranties as to the fairness, completeness or accuracy of such materials. Benefits Circle will attempt to update or correct any information that appears on the Internet or on this Website when it becomes aware of the same, but does not guarantee the same or assume any liability for the same.
• In relation to the information published on this Website with regard to insurance policies, while We have tried to make correct insurance policy/product comparisons, quotes, features, etc., based on the information provided by insurance company(ies), please note that neither Benefits Circle nor any of its directors, officers, employees, subsidiaries, affiliates, partners and licensors or agents shall in any circumstance be liable to any User for his/her investment decision, and every User shall be solely responsible for the consequences of his/her decision.
• All savings/offers (including any modification of such savings/offers) under an insurance policy is provided by insurance company(ies) and Benefits Circle is only acting as a facilitator (in the capacity of an insurance broker) between You and insurance company(ies) and will not be responsible or in any way guarantee such savings and offers.
• We are not responsible for any tax benefits which you may be eligible to get by availing the services of this Website. Such tax benefits are subject to the applicable tax laws.

Last updated: 25/05/2023