Usage Rules & Legal Agreement
Welcome to Ashuram Insurance Expert (accessible at https://ashuraminsurance.in/). These Terms & Conditions govern your access to and use of this website.
Ashuram Insurance Expert is the personal brand and advisory service of Ashuram Modi, an LIC Authorized Insurance Agent, based in Bhadra, Rajasthan. This website is informational and advisory in nature only and is not the official website of Life Insurance Corporation of India (LIC).
By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions. If you do not agree, you are requested not to use this website.
Ashuram Insurance Expert is an informational insurance advisory website created to provide general awareness, guidance, and facilitation support related to life insurance and allied insurance products. The website is intended to help users understand basic insurance concepts, policy features, procedural requirements, and commonly asked questions in a simple and clear manner.
This website operates as the personal professional platform of Ashuram Modi, who acts strictly in the capacity of an LIC Authorized Insurance Agent. The role of Ashuram Modi is limited to advisory and facilitation support only. No content published on this website should be considered as a recommendation, guarantee, or assurance regarding any insurance product, policy approval, claim settlement, returns, bonuses, or benefits.
The website does not sell insurance policies online, does not collect premiums, and does not process payments of any kind. All insurance policies are governed solely by the official terms, conditions, and documents issued by the Life Insurance Corporation of India (LIC).
The services and advisory support offered through this website are strictly limited to a defined local geographical area: Bhadra, Rajasthan, and nearby pin code areas (335501 - 335511), spanning an approximate 60-kilometer radius.
The content available on this website is provided strictly for general informational and awareness purposes only. Nothing contained on this website should be interpreted or relied upon as financial advice, investment advice, tax advice, legal advice, or professional consultation of any kind.
Users are strongly encouraged to carefully read and understand the official policy brochures, benefit illustrations, proposal forms, and policy documents issued by LIC before making any insurance-related decision. Ashuram Modi acts only in the capacity of an LIC Authorized Insurance Agent.
Final policy terms, benefits, conditions, eligibility criteria, and claim-related decisions are governed solely by the official policy documents, rules, and regulations issued by Life Insurance Corporation of India (LIC).
Access to and use of this website is intended only for individuals who are legally eligible under applicable Indian laws. By visiting this website, you confirm that you are at least eighteen (18) years of age.
This website is designed primarily for users located in India, specifically within the local service area of Bhadra, Rajasthan. Users accessing the website from outside this geographical area may view the content for general informational purposes only.
By accessing or using this website, users agree to act responsibly, lawfully, and in good faith. Users agree to:
Users must not represent or imply that this website is an official platform of the Life Insurance Corporation of India (LIC) or that Ashuram Insurance Expert holds any authority beyond that of an LIC Authorized Insurance Agent.
All original content published on this website is the intellectual property of Ashuram Insurance Expert, unless otherwise stated. Users are permitted to use content solely for personal, non-commercial, and informational purposes. No part of this website may be copied or distributed without prior written permission.
The name, logo, trademarks, and branding related to the Life Insurance Corporation of India (LIC) are the exclusive intellectual property of LIC. Any reference to LIC on this website is made strictly for informational purposes via the authorized agency relationship.
This website may contain links to third-party websites (e.g., official LIC portals). Ashuram Insurance Expert does not own or control these sites. Inclusion of any link does not imply endorsement or recommendation.
We do not guarantee the accuracy or security of information on third-party websites. Users access them at their own risk.
While we make reasonable efforts to ensure information is accurate, insurance rules and products change frequently. No representation or warranty is made regarding the completeness or currentness of the information. Users should always verify details with official LIC documents.
To the maximum extent permitted by law, Ashuram Insurance Expert and Ashuram Modi shall not be liable for any loss, damage, or inconvenience arising from the use of this website or reliance on its content. This includes direct, indirect, or consequential losses.
All insurance decisions and outcomes (claims, bonuses, approvals) are governed solely by official LIC rules.
The maximum aggregate liability of Ashuram Insurance Expert arising out of website use is strictly limited to ₹100.
The collection and use of personal information are governed by our Privacy Policy. By using this website, you acknowledge and consent to the data practices described therein.
Ashuram Insurance Expert reserves the right to restrict or terminate access to this website without prior notice for violations of these Terms, misuse of content, or unlawful activity.
These Terms & Conditions shall be governed by the laws of India. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the competent courts located within the State of Rajasthan, India.
We reserve 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 constitutes acceptance of the new terms.
By accessing or using this website, you expressly confirm that you have read, understood, and agreed to be bound by these Terms & Conditions. You acknowledge that Ashuram Insurance Expert operates strictly as an informational advisory platform.
For any questions or concerns regarding these Terms & Conditions, please contact:
Ashuram Insurance Expert
Email: ashurambhadra@gmail.com
Phone: +91 97997 71577, 94145 36577
Office Address: Main Bus Stand Road, Near Ambedkar Chowk, Bhadra, Rajasthan – 335501