Terms & Conditions
Effective Date: [Add Date]

Welcome to Samarpanam Insurance Services. By accessing or using our website (www.samarpanaminsurance.com), you agree to the following terms and conditions.
Please Read Carefully
Section 1
Use of Website
Purpose of Information
The information provided on this website is for general guidance and awareness regarding insurance and financial planning.
Your Agreement
By using this website, you agree to use the content for personal, non-commercial purposes only. Any other use of the content is not permitted under these terms.
Section 2
No Financial Guarantee
Guidance Only
All financial planning and insurance-related information shared on this website is for guidance purposes only. It does not constitute a binding financial commitment or promise.
No Guaranteed Returns
We do not guarantee specific financial returns, outcomes, or results of any kind based on the information presented here.
Your Responsibility
Final decisions should be made based on your individual understanding and consultation with a qualified professional.

The content on this website does not replace professional financial advice tailored to your specific circumstances.
Section 3
Personalized Consultation
Any advice or recommendations shared during consultation are based on the information provided by you and your individual financial situation.
Information-Based Advice
Our recommendations are tailored to the details and financial context you share with us during the consultation process.
Your Decision Authority
You are fully responsible for evaluating all options and making the final decisions regarding your financial and insurance planning.
Section 4
Communication Consent
By contacting us through any of our available channels, you provide your consent to receive relevant communications from us.
WhatsApp & Phone
Contacting us via WhatsApp or phone implies consent to receive follow-up communication related to your enquiry.
Website Forms
Submitting any form on our website constitutes consent to receive information about financial planning and insurance services.
Opt-Out Option
You may opt out of communication at any time by informing us through any of the available contact channels.
Section 5
Limitation of Liability
Samarpanam Insurance Services is not liable for any financial decisions made independently without proper consultation or based solely on website content.

We strongly advise all users to seek a personalised consultation before making any financial or insurance-related decisions. Relying solely on website content without professional guidance is done entirely at your own risk.
Section 6
External Links
Third-Party Platforms
Our website may contain links to third-party platforms and external websites for your convenience and reference.
These links are provided in good faith to assist users in accessing relevant resources and information.
Our Disclaimer
We are not responsible for the content, accuracy, privacy policies, or practices of any external sites linked from our website.
Visiting external links is done at your own discretion and risk.
Section 7
Changes to Terms
1
Right to Update
We reserve the right to update or modify these Terms & Conditions at any time without prior notice.
2
How Changes Are Made
Updated terms will be published on this page with a revised effective date reflecting when the changes take effect.
3
Continued Use = Acceptance
Continued use of the website after any modifications implies your acceptance of the updated terms.

We recommend reviewing these Terms & Conditions periodically to stay informed of any updates or changes.
Section 8
Contact Information
For any questions, concerns, or clarifications regarding these Terms & Conditions, please do not hesitate to reach out to us.
Your Acknowledgement

By using this website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions in their entirety.
Read
You have fully read all sections of these Terms & Conditions as presented on this page.
Understood
You have understood the scope, limitations, and responsibilities outlined within these terms.
Agreed
You agree to abide by all the terms and conditions set forth by Samarpanam Insurance Services.
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