Terms of Service

Agreement to Terms

By accessing our website or engaging our insurance and financial services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, please do not use our services.

Our Services

Varahi Associates provides insurance advisory and financial services, including but not limited to:

• Health, motor, life, property, and travel insurance advisory.
• Facilitating insurance applications with our partner insurers.
• Claim assistance and policy renewal support.
• Financial planning and investment advisory services.

We act as an intermediary between you and our partner insurance companies. Final policy terms, premiums, and claim decisions are governed by the respective insurer's policies.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate, complete, and up-to-date information when requested.
• Not misrepresent your identity, health status, or any material facts relevant to an insurance application.
• Use our website and services only for lawful purposes.
• Not attempt to gain unauthorised access to any part of our systems.
• Promptly notify us of any changes to your contact or personal information.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. Varahi Associates makes no warranties, express or implied, regarding:

• The accuracy or completeness of information on our website.
• Uninterrupted or error-free access to the website.
• The outcome of any insurance application or claim.
• Returns, performance, or suitability of any financial product recommended.

Limitation of Liability

To the maximum extent permitted by applicable law, Varahi Associates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to loss of income, data, or business opportunity. Our total liability, in any case, shall not exceed the service fees paid by you in the three months preceding the claim.

Intellectual Property

All content on this website — including text, graphics, logos, icons, and images — is the property of Varahi Associates and is protected under applicable intellectual property laws. You may not reproduce, distribute, or use any content without our prior written consent.

Third-Party Links

Our website may contain links to third-party websites (such as insurer portals). These links are provided for your convenience only. Varahi Associates has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of India. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Hyderabad, Telangana, India.

Contact Us

For any questions regarding these Terms of Service, please reach out to us:

• Business: Varahi Associates (MSME Registered Enterprise)
• Proprietor: Bojaraj Santhosh Kumar
• Address: 7-1-621/256, SR Nagar Building, 6th Floor, Sahithi Arcade, Circle 34, Hyderabad, Telangana - 500038
• Phone: +91 91774 79644
• Email: Bojaraj9494@gmail.com