Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of Virani Insurance Agency ("the Website"), owned and operated by Chetna Virani, an individual insurance agent registered with the Insurance Regulatory and Development Authority of India (IRDAI), authorized to solicit insurance products on behalf of Virani Insurance Agency .

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Website.

2. Agent Identification

3. Purpose of the Website

This Website is intended to:

• Provide general information about HDFC Life insurance products.
• Allow visitors to request quotes, callbacks or product information.
• Support lead generation through Google Ads and Meta Ads campaigns.

This Website does not allow you to purchase a policy, pay premiums or file claims directly. All such transactions are processed through HDFC Life's official channels.

4. Eligibility

By using this Website, you confirm that:

• You are at least 18 years of age.
• You are legally competent to enter into a contract under the Indian Contract Act, 1872.
• Any information you submit is accurate and belongs to you, or to a person you are legally authorized to represent.

5. Use of the Website

You agree to use this Website only for lawful purposes. You must not:

• Submit false, misleading or fraudulent information.
• Attempt to gain unauthorized access to the Website, its data or associated systems.
• Use automated tools, bots or scrapers to extract content from the Website.
• Copy, reproduce or redistribute Website content for commercial purposes without permission.
• Use the Website in any way that could damage, disable or impair its functioning.

6. Insurance Solicitation Disclaimer

All products displayed on this Website are underwritten and administered solely by HDFC Life Insurance Company Limited. Chetna Virani acts only as an IRDAI-licensed intermediary.

The agent:

• Does not guarantee policy issuance or approval.
• Does not guarantee specific premium quotes.
• Cannot alter, waive or modify policy terms or benefits.
• Does not have authority to bind HDFC Life to commitments outside its official documents.

Please read the applicable sales brochure and policy wording carefully before concluding a sale. In case of any conflict between this Website and HDFC Life's official documents, the official documents shall prevail.

7. No Financial Advice

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

Such content does not constitute financial, tax or legal advice. Visitors should independently assess their insurance and financial needs or consult a qualified advisor before making a purchase decision.

8. Intellectual Property

• HDFC Life's name, logo and product names or trademarks are the property of HDFC Life Insurance Company Limited and are used solely to identify products the agent is authorized to solicit.
• All other original content on this Website, including text, layout and design elements created by Virani Insurance Agency, is the property of the Website owner or is used with appropriate permission.
• Website content may not be copied or reused without appropriate permission.

9. Third-Party Advertising (Google Ads & Meta Ads)

This Website may run paid advertising through Google Ads and Meta Ads, including Facebook and Instagram.

By interacting with these advertisements or this Website, you acknowledge that:

• These platforms may use cookies or pixels for advertising measurement and remarketing.
• Google and Meta are independent third parties governed by their own terms and privacy policies.
• Virani Insurance Agency is not responsible for the practices of these third-party advertising platforms.

10. Submission of Personal Information

Any personal information submitted through inquiry forms, callback requests or chat is handled in accordance with the Website's separate Privacy Policy .

By submitting your information, you consent to being contacted via phone, email, SMS or WhatsApp regarding your inquiry, subject to applicable Do Not Disturb (DND) and TRAI regulations.

You may opt out of communications at any time.

11. Limitation of Liability

To the fullest extent permitted by law, Virani Insurance Agency and its operator shall not be liable for:

• Any loss or damage arising from reliance on information provided on this Website.
• Delays, errors or omissions in product information.
• Interruption, downtime or technical failure of the Website.
• Decisions made by HDFC Life regarding underwriting, premium calculation or claims.

Nothing in these Terms limits any liability that cannot be excluded under applicable Indian law.

12. Indemnity

You agree to indemnify and hold harmless the Website owner from any claims, losses or damages arising from your misuse of the Website or violation of these Terms.

13. External Links

This Website may link to HDFC Life's official website or other third-party websites for reference. Virani Insurance Agency is not responsible for the content, accuracy or practices of external websites.

14. Grievance Redressal

If you have a grievance regarding mis-selling, agent conduct or Website content, you may contact:

• Chetna Virani directly at [YOUR EMAIL] / [YOUR PHONE NUMBER]
• HDFC Life's Grievance Redressal Officer.
• IRDAI's Integrated Grievance Management System (IGMS).
• IRDAI Toll-Free Number: 155255 / 1800-4254-732

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes arising out of or in connection with these Terms shall be subject to the jurisdiction of the courts at Ahmedabad, Gujarat, India, subject to applicable law.

16. Changes to These Terms

Virani Insurance Agency reserves the right to modify these Terms at any time. Updates will be posted on this page with a revised "Last Updated" date.

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

17. Contact Us

For questions about these Terms and Conditions, please contact: