Terms and Conditions

Terms and Conditions

Effective Date: 10-11-2025

Welcome to Protect Plus Insurance Marketing Pvt. Ltd. (“Protect Plus”, “we”, “our”, or “us”).
We operate the website www.protectplusin.com (hereinafter referred to as “Protect Plus Insure”).

Protect Plus is a licensed Direct Insurance Broking Company authorized by the Insurance Regulatory and Development Authority of India (IRDAI), holding Broking License No.****.

Through Protect Plus Insure, we provide users with information, tools, and assistance to compare, select, and purchase various insurance products from registered insurance companies.
By accessing or using Protect Plus Insure, you acknowledge that you have read, understood, and agree to comply with these Terms of Use (“ToU”), along with our Privacy Policy. If you do not agree, please refrain from using this website.

1. Modification of Terms
Protect Plus reserves the right, at its sole discretion, to modify, amend, or update these Terms of Use at any time without prior notice.
Your continued use of Protect Plus Insure after any such modification shall constitute your acceptance of the revised Terms.

2. Use of the Website
You agree to use Protect Plus Insure and all its resources (“Resources”) only for lawful purposes and in accordance with applicable laws, regulations, and generally accepted online practices.

You agree and understand that:
• You may be required to provide certain personal details (such as name, contact information, address, Aadhar ID, vehicle details, etc.) for accessing our services. You agree to provide accurate, complete, and up-to-date information at all times.
• By providing such information, you expressly authorize Protect Plus to access and verify your records with relevant authorities (such as Aadhar, RTO, insurers, etc.) solely for facilitating your insurance transactions.
• You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.
• You shall not access (or attempt to access) any Resources through unauthorized, unethical, or automated means.
• You shall not engage in any activity that may disrupt or interfere with our website, its servers, or connected networks.
• You shall not copy, reproduce, distribute, resell, or exploit any part of our website or its content without our written permission.

Any unauthorized use of the website or its content may lead to legal action and potential civil or criminal liability. 3. User-Generated Content
Protect Plus Insure may provide users with the ability to post comments, reviews, or feedback (“User Content”). You agree that:
• You will not post any unlawful, defamatory, abusive, obscene, or infringing material.
• You will not impersonate any person or entity, including employees or representatives of Protect Plus.
• Protect Plus is not responsible for any User Content posted by third parties.
• Protect Plus reserves the right to remove or edit any User Content that it deems inappropriate, inaccurate, or in violation of these Terms.
By submitting User Content, you grant Protect Plus a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, adapt, display, and distribute such content in connection with our business operations, subject to applicable data privacy laws.
Personal information collected through the website is governed by our Privacy Policy.

4. Intellectual Property Rights
All website content, including text, graphics, design, code, images, and logos, are the intellectual property of Protect Plus Insurance Marketing Pvt. Ltd. or used under valid license.
Unauthorized use, reproduction, modification, or distribution of any material from this website is strictly prohibited unless expressly permitted in writing by Protect Plus.

5. Disclaimer of Warranties
All information, tools, and services provided on Protect Plus Insure are provided on an “as is” and “as available” basis.
Protect Plus does not guarantee that:
• The website will always function without interruptions or errors.
• Information available on the website will be accurate, current, or reliable.
• Any download or access from the website will be free of viruses or harmful components.
Protect Plus does not make any warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
You are advised to verify all policy details directly with the respective insurance companies. The final issuance of any insurance policy is subject to underwriting guidelines and the sole discretion of the respective insurer. Protect Plus shall not be responsible for any delay, rejection, or modification of an insurance proposal.

6. Limitation of Liability
To the maximum extent permitted by law, Protect Plus Insurance Marketing Pvt. Ltd., its directors, officers, affiliates, agents, or employees shall not be liable for any direct, indirect, incidental, consequential, or punitive losses arising from your use of the website or reliance on any information provided herein.
In no event shall the total liability of Protect Plus exceed the amount paid by you (if any) for using any specific service.

7. Indemnification
You agree to indemnify and hold harmless Protect Plus, its directors, employees, partners, agents, and affiliates from any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorney fees) arising out of:
• Your use or misuse of the website,
• Any violation of these Terms, or
• Any infringement of third-party rights caused by you.

8. Governing Law and Jurisdiction
These Terms of Use and the Privacy Policy shall be governed by and construed in accordance with the laws of India.
Any disputes arising from or related to the use of Protect Plus Insure shall be subject to the exclusive jurisdiction of the courts in Trivandrum, Kerala.

9. Contact Information
For any questions, feedback, or concerns regarding these Terms, please contact:
M/s. Protect Plus Insurance Marketing Pvt. Ltd.
Registered Office: Muttada,Trivandrum]
Email: ✉️ anakha @protectplusin.com
Phone: 📞 +91 7356859644
Website: www.protectplusin.com