Terms of Service

Last Updated: May 1, 2025

Introduction

Welcome to Brood Financial and Insurance Marketing Pvt. Ltd. ("Broodfin", "we", "our", or "us"). By accessing our website at www.broodfin.com or using our services, you agree to be bound by these Terms of Service ("Terms").

Please read these Terms carefully before using our website or services. If you do not agree to these Terms, you must not access our website or use our services.

Services

Broodfin provides insurance consultation and financial advisory services to its clients. Our services include but are not limited to:

• Insurance consultation and policy recommendations
• Policy comparison and analysis
• Claims assistance
• Financial planning and investment advisory
• Mutual fund investments
• NRI services

The information presented on our website is for general information purposes only and should not be considered a substitute for professional advice.

User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information when requested
• Maintain the confidentiality of any login information and passwords
• Notify us immediately of any unauthorized use of your account
• Use our services in compliance with all applicable laws and regulations
• Not engage in any activity that could damage, disable, or impair our services
• Not attempt to gain unauthorized access to any part of our services or systems

Intellectual Property

All content on our website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of Broodfin or its content suppliers and is protected by Indian and international copyright, trademark, and other intellectual property laws.

You may not reproduce, modify, distribute, or republish any content from our website without our prior written consent.

Limitation of Liability

To the fullest extent permitted by applicable law, Broodfin shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use our services
• Any conduct or content of any third party on our services
• Any content obtained from our services
• Unauthorized access, use, or alteration of your transmissions or content

Disclaimer of Warranties

Our services are provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Broodfin does not warrant that our services will function uninterrupted, secure, or available at any particular time or location, or that any errors or defects will be corrected.

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Broodfin. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

We do not warrant the offerings of any of these entities/individuals or their websites, and you access and use these websites or services at your own risk.

Insurance Products

Broodfin acts as an insurance broker/advisor and provides information and recommendations regarding various insurance products. The actual insurance policies are contracts between the insurer and the policyholder.

We strive to provide accurate information about insurance products, but the specific terms, conditions, exclusions, and limitations of a policy are determined by the issuing insurance company. It is essential to read and understand the policy documents provided by the insurer.

Compliance with IRDAI Guidelines

Broodfin is an IRDAI certified company and complies with all regulations set forth by the Insurance Regulatory and Development Authority of India. We follow strict protocols for client information protection, fair business practices, and transparent disclosure of information regarding insurance products.

As an IRDAI certified entity, we are committed to ensuring that all insurance-related information and services provided through our platform adhere to regulatory guidelines and industry standards.

Governing Law

These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use our services.

Contact Us

If you have any questions about these Terms of Service, please contact us at: