Disclaimer

Last Updated: January 2025
Effective Date: January 2025

1. Service Nature

Reclaim Bharosa is an insurance claim assistance consultant. We are:

  • NOT an insurance company
  • NOT a law firm (unless specifically licensed as such)
  • NOT a financial advisor or investment advisor
  • NOT a regulatory authority

We act as an intermediary, facilitator, and consultant to help you with your insurance claims. We assist in:

  • Preparing and filing insurance claims
  • Challenging rejected or delayed claims
  • Negotiating with insurance companies
  • Preparing documentation and correspondence
  • Providing guidance and support throughout the claim process

2. No Guarantees

We cannot and do not guarantee:

  • That your insurance claim will be approved by the insurance company
  • That you will receive any specific claim amount
  • The timeline for claim resolution or approval
  • That insurance companies will accept our recommendations or documentation
  • Any specific outcome or result
  • That you will recover the full claim amount or any amount at all

Important: Insurance company decisions are final and binding. We cannot control or influence insurance company decisions. Results vary significantly based on:

  • Individual case circumstances
  • Policy terms and conditions
  • Insurance company policies and procedures
  • Applicable laws and regulations
  • Documentation quality and completeness
  • Many other factors beyond our control

3. Professional Advice

Our services are not a substitute for professional legal or financial advice.

  • For complex legal matters, consult a licensed attorney
  • For financial planning, consult a certified financial advisor
  • For tax matters, consult a qualified tax advisor
  • For medical decisions, consult licensed healthcare professionals

While we provide guidance and assistance, you should seek independent professional advice for matters requiring specialized expertise.

4. AI Assistant Disclaimer

Our platform includes an AI-powered assistant that provides informational guidance. Please note:

  • AI responses are informational only - not professional advice
  • AI may contain inaccuracies - always verify important information
  • AI cannot replace human judgment - complex matters require human expertise
  • AI responses may not cover all scenarios - each case is unique
  • We cannot guarantee 100% accuracy of AI-generated responses

For in-depth verification or complex matters, please contact us directly or consult licensed professionals.

5. Third-Party Services

We are not responsible for:

  • Insurance company actions or decisions - We cannot control how insurance companies process claims
  • Third-party service failures - Including Microsoft Azure, OpenAI, or other service providers
  • External website content - Links to external sites are for information only
  • Regulatory changes - Laws and regulations may change and affect your claim

6. Information Accuracy

While we strive to provide accurate information:

  • Information may become outdated over time
  • Insurance policies and terms vary by company and policy
  • Laws and regulations may change
  • We cannot guarantee all information is current or complete

You should:

  • Verify important information independently
  • Review your insurance policy documents carefully
  • Consult with insurance companies directly when needed
  • Stay informed about regulatory changes

7. Website Content

The content on our website is provided for general information purposes only:

  • Content may not be applicable to your specific situation
  • We reserve the right to modify content without notice
  • We are not liable for errors or omissions in content
  • Testimonials and case studies are individual experiences and may not be typical

8. Limitation of Liability

To the maximum extent permitted by law:

  • We are not liable for any losses or damages arising from use of our services
  • We are not liable for insurance company decisions or actions
  • We are not liable for delays, rejections, or denials by insurance companies
  • We are not liable for third-party service failures
  • Our total liability is limited to fees paid for our services

9. No Endorsement

Reference to any insurance company, product, service, or organization on our platform does not constitute:

  • An endorsement or recommendation
  • A guarantee of service quality
  • A partnership or affiliation (unless explicitly stated)

10. Jurisdiction

This disclaimer is governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.

11. Contact Us

If you have questions about this Disclaimer, please contact us:

Reclaim Bharosa

Helping India with smoother insurance claim processes

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