Effective Date: [Insert Date]

Welcome to Insurance Impact. By accessing our website, content, or services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully.

1. Acceptance of Terms

By using this platform (website, YouTube channel, or any related services), you acknowledge that you have read, understood, and agree to these Terms. If you do not agree, please do not use our services.

2. Nature of Service

Insurance Impact is an educational platform that provides information, insights, and guidance related to insurance.

• We do not sell insurance policies

• We do not act as brokers or agents

• Content is for informational and educational purposes only

3. No Professional Advice

The content shared on this platform:

• Does not constitute legal, financial, or professional advice

• Should not be solely relied upon for decision-making

• Users are advised to consult a licensed professional before making financial or insurance decisions

4. User Responsibilities

By using our platform, you agree:

• To provide accurate information when contacting us

• Not to misuse, copy, or distribute content without permission

• Not to engage in unlawful, harmful, or abusive behavior

5. Intellectual Property

All content on Insurance Impact including:

• Videos

• Text

• Graphics

• Branding

is the intellectual property of Insurance Impact and is protected by applicable copyright laws.

You may not reproduce, distribute, or use content without prior written consent.

6. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for:

• The content of external websites

• Their privacy practices

• Any loss or damage caused by their use

7. Limitation of Liability

Insurance Impact shall not be held liable for:

• Any direct or indirect loss arising from the use of our content

• Decisions made based on information provided

• Errors or omissions in content

Use of the platform is at your own risk.

8. Changes to Terms

We reserve the right to update or modify these Terms at any time. Continued use of the platform after changes means you accept the updated Terms.

9. Termination

We reserve the right to restrict or terminate access to our platform if users violate these Terms.

10. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of India.

11. Contact Information

For any questions regarding these Terms & Conditions:

Email: [Insert Email]
Phone: [Optional]

⚠️ Disclaimer

Insurance Impact is an independent educational initiative. We do not represent any insurance company, nor do we sell insurance products.