Terms and Conditions

1. About Digital Insurance and this desk

digitallnsurance24x7.com is the public face of Digital Insurance, the insurance advisory practice of Rahul Yadav, Chief Insurance Advisor, associated with UIIC — United India Insurance Company.

These Terms cover use of https://digitallnsurance24x7.com and the agency Policy Desk (customers, policies, renewals, leads, meetings, claims, commissions, documents, and reports) with staff sign-in.

Using the desk or contacting us on +91 95303 83030 for advisory support means you accept these Terms.

2. Licensed advisory — not the insurer

Rahul Yadav provides licensed insurance advisory support for motor, health, and life covers, with 24×7 assistance through digitallnsurance24x7.com. United India Insurance Company (UIIC) and other insurers remain the underwriters of any policy they issue.

A policy booked or renewed through this desk is still governed by that insurer’s policy schedule, wordings, endorsements, and claim rules. The desk does not itself settle claims or guarantee acceptance of a proposal.

Premium break-ups, IDV, NCB, and live calculators on the desk are working estimates for advisory use. Final premium and cover are confirmed only when the insurer issues or renews the policy and payment is completed.

3. Who may use the Policy Desk

Agency owners and staff sign in with work email and password. Roles (Admin, Agent, and Customer cover link) control whether you see the full book or only assigned customers and renewals.

There is no public self-signup and no customer desk login. Agency staff may share a time-limited magic cover link so a policyholder can view their own details. Workspaces are opened by an admin; day-to-day records stay with agency staff.

• Enter real Indian mobile numbers, emails, and KYC fields (PAN, Aadhaar, IFSC, PIN) only when you are authorised to hold them.
• Do not share owner or agent passwords with anyone who should not see that book.
• Call +91 95303 83030 at once if you suspect misuse of a desk login.

4. Fair use of the desk

Use the Policy Desk only for genuine insurance advisory, renewal follow-up, and agency operations for your own book of business.

• Do not scrape customers, export another agency’s data, or try to break tenant isolation between workspaces.
• Do not upload forged KYC, fake policy PDFs, or harmful files into Documents.
• Do not send bulk SMS without an approved DLT template and sender ID (MSG91, Kaleyra, Twilio, or similar plugins you configure).
• Do not present yourself as UIIC’s official call centre or claim that Digital Insurance underwrites policies.
• WhatsApp actions open a share / wa.me draft on your phone; you remain responsible for what you send to the customer.

5. Customer, policy, and document records

When you add a customer, you may store salutation, source, DOB, anniversary, profession, address with Indian PIN lookup, nominee, bank/IFSC, office contacts, and vehicle or health asset fields. You must keep that information accurate and lawfully obtained.

Policies (motor, life, health), renewals due windows, claims desk entries, lead sources, and commission rate cards live inside your tenant. Soft-deleted customers can be restored only by users with restore permission.

Documents (policy copies, KYC, photos) count against your plan’s storage. Removing a file deletes it from the desk; keep your own archive if the insurer requires it.

6. Reminders, wishes, and meetings

Renewal reminders, birthday and anniversary wishes, and meeting invites with Google Meet links are tools for Rahul Yadav’s practice and agencies on this desk. You choose the channel and the recipients.

Email goes through the server’s SMTP settings (MAIL_* environment), not an email “plugin”. SMS uses only the SMS plugin you mark as default. Scheduled wishes run daily at 8:00 AM IST for email where SMTP is ready.

Opening WhatsApp from a customer, lead, meeting, or renewal does not send via Meta Cloud API from our servers — it hands a drafted message to your device’s share sheet or WhatsApp.

7. Plans, SMS caps, and storage

Subscription plans may cap active customers, staff users, document megabytes, and SMS sent in a calendar month. When the SMS allowance is used, further SMS from the desk will fail until the next month or an upgrade.

Trial or paid terms shown when a workspace is opened or renewed apply to that agency tenant. digitallnsurance24x7.com advisory enquiries on +91 95303 83030 are separate from any SaaS plan fees charged for the desk software.

8. Branding and software

The Digital Insurance name, digitallnsurance24x7.com mark, shield logo, desk UI, and original copy belong to this practice as described in the Copyright Notice. Insurer names and logos (including UIIC) belong to those companies.

You may use the desk under these Terms. You may not resell the software, clone the UI for another product, or use Rahul Yadav’s name or UIIC affiliation to advertise unrelated services.

9. What we do not promise

We aim for 24×7 advisory responsiveness and a reliable desk, but internet outages, insurer portals, SMS gateways, or your SMTP host can fail outside our control.

Digital Insurance is not liable for a declined proposal, claim repudiation, wrong premium quoted by an insurer, or loss caused by incorrect data entered by staff or agents.

Indicative vehicle lookups, PIN/IFSC helpers, and verification docks are convenience features; always cross-check against original documents and insurer systems.

10. Liability for this advisory desk

For paid desk subscriptions, our aggregate liability for software defects in a twelve-month period is capped at the subscription fees paid for that workspace in that period. For free trials, the cap is ₹5,000.

This does not limit liability that Indian law does not allow us to exclude (for example proven fraud). It also does not change an insurer’s obligations under a policy UIIC or another company has issued to a customer.

11. Closing a workspace

An owner may stop using the desk; we may suspend a tenant for unpaid plans, security abuse, or clear breach of these Terms.

Policy documents you still need should be downloaded before storage is cleared under the Privacy Policy retention rules.

12. Updates to these Terms

When we change how digitallnsurance24x7.com or the Policy Desk works in a material way, we update the effective date on this page. Continued use after that date means you accept the revised Terms.

For agency owners, we may also show a notice on the desk after sign-in when Terms change.

13. Indian law and how to reach us

These Terms are governed by the laws of India. Disputes will be subject to the exclusive jurisdiction of competent Indian courts, without affecting mandatory consumer protections.

Advisory and desk support: Rahul Yadav, Chief Insurance Advisor · +91 95303 83030 · https://digitallnsurance24x7.com · Affiliation context: UIIC — United India Insurance Company.