Terms & Conditions

Use of this website

By using this website, you agree to these Terms & Conditions. The website provides general information about Vimal Life Care and allows you to request information or support. If you do not agree with these terms, please do not use the website.

You must use the website lawfully and must not attempt to disrupt, misuse, copy, reverse engineer or gain unauthorised access to it or its data.

Information, not a guarantee

Website content is general information and does not create a contract, guarantee eligibility, approval, coverage, returns, interest rates, claim settlement or any other outcome. Product availability, pricing, benefits and eligibility may change and are governed by the documents and terms issued by the relevant provider.

Any decision should be made after reviewing the applicable product documents, risks, costs, exclusions and suitability for your circumstances. Where necessary, consult an appropriately qualified professional.

Insurance and lending services

Insurance is the subject matter of solicitation. Policy issuance, underwriting, premiums, benefits, exclusions and claims are determined by the insurer under the policy terms. Loan approval, rates, charges, tenure and disbursement are determined by the lender under its terms. Vimal Life Care cannot guarantee acceptance, approval or settlement by a provider.

Mutual fund distribution

Ghanshyam Singh is an AMFI-registered Mutual Fund Distributor, ARN: 369782. Vimal Life Care provides mutual fund information, distribution and transaction support in accordance with applicable requirements.

Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. No profit, return or protection against loss is guaranteed for market-linked products.

Your responsibilities

• Provide complete, current and accurate information when making an enquiry or proceeding with a service.
• Review all proposal forms, declarations, key features, charges, exclusions, risk factors and provider documents before acceptance.
• Keep account credentials, one-time passwords and personal documents secure and do not share them with unauthorised persons.
• Make payments only through authorised channels and verify the recipient and transaction details.

Communications

When you submit a form or contact us through phone, email or WhatsApp, you request and authorise Vimal Life Care to respond through the contact details you provide regarding that enquiry. Standard network or messaging charges may apply. You may ask us to stop non-essential communications.

Third-party products and links

Insurance policies, mutual fund schemes, loans and other products are offered by their respective providers. Third-party websites and applications are governed by their own terms. Vimal Life Care is not responsible for third-party availability, content, systems or acts beyond its reasonable control.

Intellectual property

The Vimal Life Care name, logo, website design, images and original content may not be copied, republished or commercially used without prior written permission, except where permitted by law.

Liability

To the extent permitted by applicable law, Vimal Life Care is not liable for indirect or consequential loss arising from reliance on general website information, third-party services, interrupted access, or information supplied inaccurately by a user. Nothing in these terms excludes liability that cannot lawfully be excluded.

Changes and governing law

We may update these terms when our website, services or legal obligations change. The current version will be posted here. These terms are governed by the laws of India, and disputes are subject to the jurisdiction of the competent courts in Saharanpur, Uttar Pradesh, subject to applicable law.