Disclaimer

1. About This Website

Virani Insurance ("Virani Insurance" or "the Website") is an independent insurance agency and advisor website operated by [YOUR FULL NAME] , an insurance advisor/agent authorized to solicit insurance products on behalf of the insurer(s) represented by the agency.

This Website is not the official corporate website of Bajaj Allianz Life Insurance Company Limited. It is an independent agent/advisor website created for providing general product information, insurance guidance and generating customer inquiries.

For official information, policy documents, claims, premium payments, policy servicing or grievance redressal, please visit the official website of Bajaj Allianz Life Insurance Company Limited or contact the insurer directly.

2. Agent Identification

• Agency Name: Virani Insurance
• Advisor Name: [YOUR FULL NAME]
• IRDAI Registration/License Number: [YOUR IRDAI LICENSE NUMBER]
• Date of IRDAI Certification: [DATE]
• Insurer Represented: Bajaj Allianz Life Insurance Company Limited
• Business Address: [YOUR ADDRESS]
• Contact Email: [YOUR EMAIL]
• Contact Phone: [YOUR PHONE NUMBER]

3. Insurance Solicitation Disclaimer

Insurance is the subject matter of solicitation. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure and policy wording carefully before concluding a sale.

Insurance products displayed on this Website are underwritten, issued and administered by the respective insurer. Virani Insurance, acting through its authorized insurance advisor, functions as an intermediary to explain products and assist customers during the insurance application and sales process.

Virani Insurance does not have the authority to:

• Guarantee approval of any insurance application.
• Alter, waive or modify any policy terms, premiums or benefits.
• Bind the insurer to any commitment that is not stated in the official policy document.
• Make claim-settlement decisions.
• Guarantee the acceptance or issuance of any insurance policy.

4. No Financial or Investment Advice

The content on this Website, including product descriptions, premium illustrations, comparisons and calculators, is provided for general informational purposes only.

The information presented on this Website does not constitute financial, investment, tax or legal advice.

Customers should independently assess their insurance and financial requirements or consult a qualified financial professional before purchasing an insurance product.

Illustrative figures, including maturity benefits or returns where applicable, are indicative and may be based on assumed rates of return. Actual benefits and returns may vary according to the terms and conditions of the applicable insurance policy.

5. Accuracy of Information

While Virani Insurance makes reasonable efforts to keep the information on this Website accurate and up to date, insurance products, premiums, terms, features and benefits may change according to the insurer's policies and applicable regulations.

In case of any discrepancy between information displayed on this Website and the official documents issued by the insurer, the official policy document, brochure or communication issued by the insurer shall prevail.

Virani Insurance does not guarantee that the Website will always be error-free, uninterrupted or completely current.

6. Third-Party Advertising Disclaimer (Google Ads & Meta Ads)

This Website may run paid advertisements through third-party advertising platforms including Google Ads and Meta Ads (Facebook/Instagram).

These advertising platforms are independent third parties and are not responsible for the accuracy of insurance information presented on this Website.

Any information collected through advertising technologies such as cookies, pixels or similar tracking technologies may be governed by this Website's Privacy Policy and the respective privacy policies of the advertising platforms.

7. No Guarantee of Outcomes

Submitting an inquiry, requesting a callback or using a calculator or tool on this Website does not guarantee:

• Policy issuance or approval.
• Any specific premium quote.
• Acceptance of an insurance application.
• Any specific investment or fund performance, where applicable.

8. External Links

This Website may contain links to the official website of Bajaj Allianz Life Insurance Company Limited or other third-party websites for reference and convenience.

Virani Insurance is not responsible for the content, accuracy, availability or privacy practices of external websites.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Virani Insurance shall not be held liable for any direct, indirect, incidental or consequential loss or damage arising from:

• Reliance on information provided on this Website.
• Errors, omissions or delays in updating product information.
• Technical issues, downtime or interruption of the Website.

10. Regulatory Compliance

Virani Insurance and its authorized insurance advisor operate subject to applicable regulations of the Insurance Regulatory and Development Authority of India (IRDAI) and the applicable code of conduct for insurance intermediaries and agents.

Any grievance regarding mis-selling or agent conduct may be raised with the relevant insurer's grievance redressal mechanism or with IRDAI through its applicable grievance redressal system.

• Bajaj Allianz Life Insurance grievance redressal mechanism through its official website.
• IRDAI's Integrated Grievance Management System (IGMS): igms.irdai.gov.in
• IRDAI official website: irdai.gov.in

11. Changes to This Disclaimer

Virani Insurance reserves the right to update this Disclaimer at any time without prior notice.

Continued use of this Website after changes are posted constitutes acceptance of the revised Disclaimer.

12. Contact

For questions regarding this Disclaimer, please contact: