1. Acceptance of Terms
By accessing or using our website, purchasing a policy, or using Stuart Mahabir insurance services, you agree to comply with and be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our services.
2. Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts in your jurisdiction to use the our services or purchase insurance policies.
3. Policy Terms and Conditions
Each insurance policy issued by Stuart Mahabir for Tatil Life Assurance Limited is governed by its specific terms, conditions, coverages, and exclusions, as outlined in your individual policy documents. These documents take precedence over anything stated on the website or marketing materials.
4. Payments and Premiums
Premium payments must be made in full and on time as per the schedule mentioned in your policy. Failure to pay may result in policy cancellation or denial of claims. Tatil LIfe Assurance Limited reserve the right to modify premium amounts as permitted by law.
5. Cancellation and Refunds
Policies may be canceled according to our Cancellation Policy. Refunds, if applicable, will be issued as per the terms stated in your policy.
6. Claims and Disputes
To file a claim, you must follow the procedures outlined in your policy documentation. Disputes regarding claims or coverage will be handled in accordance with applicable insurance regulations and company policy.
7. Privacy Policy
We take your privacy seriously. Please review our Privacy Policy to understand how your personal information is collected, used, and protected.
8. Prohibited Use
You agree not to:
- Misrepresent information in applications or claims
- Use our services for fraudulent purposes
- Violate any laws or regulations related to insurance or financial services
9. Limitation of Liability
Stuart Mahabir Finance is not liable for any indirect, incidental, or consequential damages arising out of the use or inability to use our services. Our liability is limited to the extent permitted by law.
10. Changes to Terms
We reserve the right to modify these Terms of Service at any time. Updates will be posted on our website, and your continued use of our services constitutes your acceptance of the revised terms.