Terms & Conditions

1. About the website

GUAN Technologies provides a digital information and customer-enquiry platform covering personal, family and business insurance categories. The website may contain product explanations, comparison guidance, calculators, forms, claims information, renewal assistance and other insurance-related resources.

Information is provided to help visitors understand insurance concepts and identify suitable next steps. The actual insurance contract, where a policy is purchased, is governed by the proposal, policy schedule, wording, endorsements and terms issued by the relevant insurer.

2. Insurance products and insurer responsibility

Insurance products are subject to eligibility, underwriting, pricing, availability and the terms of the relevant insurer. A website enquiry, request for assistance, calculator result or expression of interest does not by itself constitute acceptance of risk or issuance of a policy.

Where an insurer requires additional information, medical examination, inspection, documentation or underwriting approval, the applicant must provide accurate information and complete the process prescribed by the insurer.

3. Product information

We aim to make insurance information understandable and useful. However, product benefits, limits, exclusions, waiting periods, deductibles, conditions, eligibility requirements and pricing can change. Customers should always review the latest policy wording and schedule before making a purchase or relying on a benefit.

If information displayed on this website conflicts with the final policy document issued by the insurer, the applicable policy document will prevail.

4. Eligibility and accurate information

You agree to provide information that is true, accurate, current and complete when submitting an enquiry or application. Information such as age, health history, vehicle details, travel plans, property values, business activities and claims history can be material to insurance underwriting.

Failure to disclose material facts or providing misleading information can affect underwriting, policy validity or claim assessment in accordance with applicable law and policy terms.

5. Website accounts and credentials

Where the website provides a customer, partner or policy-access interface, users are responsible for keeping their login credentials confidential and for using only accounts and information to which they are authorised to have access.

Users must not attempt to access another person's account, bypass security controls, interfere with website operation or use automated means to access restricted resources.

6. Forms, enquiries and communications

Submitting a form indicates that you wish GUAN Technologies to contact you regarding the subject of your enquiry. Contact may occur through the details provided in the form and may include clarification of requirements, product information, servicing assistance or follow-up relating to the requested service.

You should provide only information reasonably necessary for the enquiry. Sensitive information should be submitted only through an appropriate channel when specifically requested.

7. Health premium calculator

The health premium calculator is intended to provide an indicative estimate based on the information entered. It is not a binding quotation, underwriting decision or guarantee of policy issuance. Actual premiums can differ because insurers may consider age, location, medical history, family composition, occupation, coverage, deductibles, underwriting, taxes and product-specific rules.

8. Claims information

Claims information on the website is intended as general guidance. A claim must be reported through the insurer's prescribed channel and will be assessed according to the applicable policy. Customers should follow notification timelines, preserve evidence and submit complete documentation.

GUAN Technologies cannot guarantee that a claim will be accepted or settled for a particular amount. Claim decisions depend on the policy, facts of the loss, documents, applicable limits and the insurer's assessment.

9. Renewals and policy servicing

Renewal reminders, renewal assistance and policy-service enquiries do not automatically renew a policy. A renewal remains subject to the insurer's terms, premium, eligibility, payment confirmation and applicable rules.

10. Third-party websites and services

The website may refer users to insurers, service providers, payment facilities or other third-party resources. Those services may operate under their own terms, privacy notices and security practices. Users should review the applicable third-party terms before completing a transaction or sharing information.

11. Acceptable use

You must not use the website for unlawful, fraudulent, abusive or misleading purposes. You must not upload malicious software, attempt unauthorised access, interfere with the website, reproduce protected material without permission, impersonate another person or organisation, or use website resources to harm another user.

12. Intellectual property

Unless otherwise indicated, the website's original branding, layout, graphics, interface elements, text and software are protected by applicable intellectual-property laws. You may view the website for personal or legitimate business purposes but must not reproduce, modify, distribute or commercially exploit protected material without appropriate permission.

13. Accuracy and availability

We aim to keep website information accurate and useful but do not represent that every page will always be complete, current, uninterrupted or error-free. Information may be updated, corrected, removed or changed as products, insurer requirements, technology and applicable regulations evolve.

14. Limitation of responsibility

To the extent permitted by applicable law, GUAN Technologies is not responsible for losses arising solely from reliance on general website information where the relevant policy document, insurer communication or professional advice should have been consulted. Nothing in these terms is intended to exclude liability that cannot lawfully be excluded.

15. Indemnity

To the extent permitted by law, a user who deliberately or unlawfully misuses the website or violates these terms may be responsible for losses, claims, costs or expenses arising directly from that misuse or violation.

16. Force majeure

Website services may be affected by circumstances beyond reasonable control, including natural disasters, severe weather, public emergencies, infrastructure failures, telecommunications disruption, cyber incidents, government action, industrial disputes and other events that materially affect the availability of systems or services.

17. Suspension or termination

We may restrict or suspend access where reasonably necessary to protect users, systems, information or business operations, including suspected unlawful activity, misuse, security threats or material breach of these terms.

18. Changes to these terms

These terms may be updated periodically. The revised version will apply from the time it is published unless a different effective date is stated. Continued use of the website after an update indicates acceptance of the revised terms.

19. Governing law and jurisdiction

These terms are intended to operate subject to the laws applicable in India. Any dispute concerning the website or these terms will be subject to the jurisdiction of the competent courts applicable to GUAN Technologies and the relevant transaction, subject to mandatory legal or regulatory requirements.

20. Contact

If you have a question about these terms, a product page, a claim-support process or a website enquiry, please use our contact page and provide enough information for our team to understand the subject of your request.

For website, policy-servicing or general enquiries, write to contact@guantechnologies.in or madhab@guantechnologies.in.