Terms & Conditions
By accessing and using the services of Padma Balaji Insurance Services (“we,” “our,” or “us”), you agree to comply with these Terms & Conditions.
1. Services Offered
We provide various insurance solutions, including health, motor, travel, and commercial insurance. All services are subject to the terms of the respective insurance providers.
2. User Responsibilities
- You must provide accurate and complete information when purchasing a policy.
- It is your responsibility to review the terms of any insurance policy before purchase.
- You agree not to misuse our services or engage in fraudulent activities.
3. Policy Issuance & Claims
- Insurance policies are subject to approval by the respective insurance providers.
- We facilitate claims processing but are not responsible for claim approvals or rejections.
4. Payment & Refund Policy
- All payments for insurance policies must be made as per the agreed terms.
- Refunds, if applicable, will be processed as per the policy provider’s refund guidelines.
5. Limitation of Liability
We act as an intermediary between customers and insurance providers. We are not liable for any disputes, claim rejections, or losses arising from policy coverage decisions made by the insurer.
6. Changes to Terms
We reserve the right to update these Terms & Conditions at any time. Continued use of our services constitutes acceptance of the updated terms.
7. Contact Us
For any inquiries, contact us at:
📞 Kamala Thakur: 9820268080 | 📧 kamala.thakur@padmabalaji.com
📞 Kailash Joshi: 7738083338 | 📧 kailashnjoshi@gmail.com
🌐 Website: https://padmabalaji.com/
🏢 Address: 401/402, Victory Park, Chandavarkar Road, Borivali West, Mumbai – 400092