By accessing Smithachandran.in, you agree to the following terms and conditions. If you do not agree, please discontinue use of this website
Scope of Services
Smitha Chandran provides independent insurance advisory and servicing support, including:
- Policy guidance and comparison
- Renewal reminders and servicing assistance
- Claim documentation guidance
Services are provided to Indian residents and NRIs seeking insurance coverage or servicing for policies issued in India.
Final policy issuance, coverage, premium determination, underwriting, and claim settlement decisions rest solely with the respective insurance companies.
No Authority Representation
Information on this website should not be construed as representing the authority, commitment, or guarantee of any insurance company or regulatory body.
Accuracy of Information
While reasonable care is taken to provide accurate and current information, Smithachandran.in does not warrant completeness or suitability for every individual case. Insurance products are subject to insurer terms, exclusions, and underwriting norms.
User Obligations
Users are responsible for:
- Providing accurate and complete information
- Reviewing policy documents issued by insurers
- Understanding coverage, exclusions, and conditions before acceptance
Intellectual Property
All website content is the intellectual property of Smithachandran.in unless otherwise stated. Unauthorised reproduction or redistribution is prohibited.
External Services
This website may link to third-party platforms such as insurer websites, communication tools, or service portals. We are not responsible for their availability, content, or practices.
Limitation of Liability
Smitha Chandran shall not be liable for any loss arising from:
- Reliance on website information
- Decisions made by insurers
- Delays, rejections, or disputes related to insurance policies
Amendments
These Terms & Conditions may be updated without prior notice. Continued use of the website implies acceptance of the revised terms.
Last updated: 6 January 2026