Terms & Conditions

Last updated: 02/09/2026

Insurance Smart Management ("we", "us", "the Company") provides a policy and customer management service ("the Service") for insurance agents and agencies. By registering for or using the Service, you ("you", "the User", "the Agency") agree to the terms below. If you do not agree to these terms, please do not use the Service.

1. Account & Registration

Your account is not activated immediately upon registration. Our team reviews your details, creates the account, and sends your User ID and Password to your registered email address. The Company reserves the right to accept or reject any registration. The information you provide must be true and current. Keeping your User ID, Password and OTP confidential is entirely your responsibility.

2. Use of the Service

The Service must be used only for lawful business purposes. You are responsible for the accuracy and legality of the customer information, policy details and documents you enter. If misuse, attempts to access other users' accounts, or attacks on the system are detected, your account may be suspended without prior notice.

3. Important Terms Regarding WhatsApp & SMS Messages

• The Company is not liable if your account is blocked. The WhatsApp number or account used to send messages may be blocked, banned, suspended or restricted by WhatsApp / Meta at any time. The Company bears no responsibility for this and will not compensate for any loss arising from it.
• Obtaining customer consent is your responsibility. Obtaining prior consent from the customers you message, and complying with DND, TRAI and other applicable regulations, is entirely your responsibility. You alone are answerable for any complaint, spam report or legal action that may result.
• Message delivery is not guaranteed. Messages may be delayed or may fail to arrive due to network problems, WhatsApp downtime, an incorrect or inactive number, a customer blocking you, or changes in platform policy. The Company does not guarantee that a message will be delivered within any particular time.
• Renewal reminders are only an aid. If a reminder is not delivered and a policy renewal is consequently missed, or business is lost, or a penalty is incurred, the Company is not liable. Tracking policy expiry dates remains the Agency's own responsibility.
• Platform rules may change. If WhatsApp / Meta changes its policies, pricing or API, the messaging facility may change, become limited, or stop working. The Company will attempt to provide an alternative in such cases but does not guarantee one.
• Message limits. A fixed number of messages per month is available depending on your plan. If misuse or an unusual volume of messages is detected, the facility may be temporarily suspended.

4. Free Trial, Pricing & Payments

A 7-day free trial is available from the date your account is activated; no card or advance payment is required for it. To continue using the Service after the trial, the fee for your chosen plan must be paid. Prices may change with prior notice. Fees paid are generally non-refundable. If payment is not made on time, the account may be temporarily suspended.

5. Data, Backups & Privacy

The information you enter remains yours. We take reasonable measures to keep it secure and take regular backups. Even so, the possibility of data loss due to technical failure, cyber-attack or unforeseen causes cannot be entirely ruled out — please keep your own copy of important information. For more detail, see our Privacy Policy.

6. Service Interruptions & Limitation of Liability

The Service may be temporarily unavailable due to maintenance, updates or technical reasons. The Service is provided "as is". The Company shall not be liable for any indirect, incidental or consequential loss arising from the use of, or inability to use, the Service. In any event, the Company's total liability shall not exceed the fees you paid during the preceding 3 months.

7. Account Closure

You may discontinue the Service at any time. The Company may close your account if these terms are breached. After closure, your data may be deleted following a reasonable period — please export any information you need before closing.

8. Changes to These Terms & Governing Law

These terms may be revised from time to time; changes take effect once published on this page. These terms are governed by Indian law, and the courts of Beed, Maharashtra shall have jurisdiction over any dispute.

9. Contact

If you have any questions, please contact us — WhatsApp / Phone: 8565080808  ·  Email: support@ambikawebsolutions.com
Address: Ambika Web Solutions Shahu Nagar Beed Maharashtra