Terms of Use

Last Updated: January 2025
Effective Date: January 2025

1. Acceptance of Terms

By accessing or using the Reclaim Bharosa platform ("Platform"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Platform.

You must be at least 18 years old and have the legal capacity to enter into this agreement. By using our Platform, you represent that you meet these requirements.

Legal Compliance: These Terms are governed by Indian law, including the Consumer Protection Act, 2019, Digital Personal Data Protection Act, 2023, Information Technology Act, 2000, and other applicable Indian laws.

We may update these Terms from time to time. Continued use of the Platform after changes constitutes acceptance of the updated Terms, subject to any requirements for fresh consent under applicable laws.

2. Description of Service

Reclaim Bharosa is an insurance claim assistance platform. We provide the following services:

New Claims Filing Assistance: Help with filing new insurance claims
Rejected Claims Appeal Support: Assistance in challenging rejected claims
Delayed Claims Expediting: Help expedite pending claims
Short Settlement Recovery: Support for recovering full claim amounts
Consultation and Document Preparation: Expert guidance and document preparation
Case Management and Tracking: Tools to track your claim status

Important: Reclaim Bharosa is an insurance claim assistance consultant. We are NOT an insurance company, law firm, or financial advisor. We act as an intermediary to help you with your insurance claims.

3. User Accounts and Registration

3.1 Account Creation

To use certain features of our Platform, you must create an account. Account creation requires:

Valid email address
Email verification via OTP
Azure AD account creation
Accurate and complete information
Consent to our Privacy Policy and data processing practices

Data Protection: By creating an account, you consent to the collection and processing of your personal data as described in our Privacy Policy, which complies with the Digital Personal Data Protection Act, 2023.

3.2 Account Responsibilities

You are responsible for:

Maintaining the security of your account
Not sharing your credentials with others
Notifying us immediately of unauthorized access
Keeping your contact information updated
All activities that occur under your account

3.3 Account Termination

We reserve the right to suspend or terminate your account if you:

Violate these Terms
Engage in fraudulent activity
Provide false or misleading information
Abuse the Platform or other users

You may close your account at any time by contacting us.

4. User Conduct and Prohibited Activities

You agree NOT to:

Provide false, misleading, or inaccurate information
Upload malicious files, viruses, or harmful code
Attempt to gain unauthorized access to the Platform
Interfere with or disrupt Platform operations
Reverse engineer, decompile, or disassemble the Platform
Scrape, crawl, or harvest data from the Platform
Impersonate others or misrepresent your identity
Violate any applicable laws or regulations
Use the Platform for any illegal or unauthorized purpose

Violation of these rules may result in account suspension or termination, and legal action if necessary.

5. Service Limitations and Disclaimers

5.1 No Guarantee of Results

We cannot guarantee:

That your claim will be approved by the insurance company
That you will receive any specific claim amount
The timeline for claim resolution
That insurance companies will accept our recommendations

Results vary based on individual cases, policy terms, and insurance company decisions. Insurance company decisions are final and binding.

5.2 Service Availability

We strive to maintain Platform availability but:

We do not guarantee uninterrupted or error-free service
Scheduled maintenance may occur
Third-party service dependencies may affect availability
We are not liable for service interruptions

5.3 AI Assistant Disclaimer

Our AI assistant provides informational guidance only. It is:

NOT a substitute for professional legal or financial advice
May contain inaccuracies or errors
Should not be relied upon for critical decisions
Subject to limitations and may not cover all scenarios

Please verify important information independently and consult licensed professionals for complex matters.

6. Fees and Payment

6.1 Fee Structure

We operate on a "No Win, No Fee" model:

You pay NO upfront costs
Fees are only charged upon successful claim recovery
Fee structure will be disclosed before you commit to our services
Payment terms and methods will be communicated separately

6.2 Refund Policy

Refund conditions, if applicable, will be communicated at the time of service agreement. Please contact us for specific refund policies.

7. Intellectual Property

7.1 Platform Ownership

All content, design, code, trademarks, and logos on the Platform are owned by Reclaim Bharosa or our licensors and are protected by copyright and trademark laws.

7.2 User Content

You retain ownership of documents and content you upload. By uploading content, you grant us a license to:

Use the content for service delivery
Store and process the content
Share with insurance companies as necessary for claim processing

We reserve the right to remove inappropriate or illegal content.

8. Limitation of Liability

8.1 Disclaimer

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

8.2 Limitation

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

Indirect, incidental, special, or consequential damages
Loss of profits, data, or business opportunities
Insurance company decisions or actions
Third-party service failures
Force majeure events

8.3 Maximum Liability

Our total liability shall not exceed the fees paid by you for our services in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Reclaim Bharosa, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

Your use of the Platform
Your violation of these Terms
Your violation of any laws or regulations
Content you upload or submit

10. Dispute Resolution

10.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, including:

Consumer Protection Act, 2019
Digital Personal Data Protection Act, 2023
Information Technology Act, 2000
Indian Contract Act, 1872
Other applicable Indian laws and regulations

These Terms shall be interpreted without regard to conflict of law principles.

10.2 Jurisdiction

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.

Consumer Disputes: For consumer disputes, you may also approach the appropriate Consumer Disputes Redressal Commission (District, State, or National) under the Consumer Protection Act, 2019.

10.3 Dispute Process

In case of disputes:

Parties shall attempt good faith negotiation
If negotiation fails, parties may seek mediation
For consumer disputes, parties may approach Consumer Forums
As a last resort, parties may pursue legal action in the courts of Mumbai

Data Protection Disputes: For disputes related to data protection under DPDP Act, please refer to our Privacy Policy and Grievance Policy for the specific process, including the right to appeal to the Data Protection Board.

11. Termination

11.1 By User

You may stop using the Platform at any time. You may close your account by contacting us. Data retention policies apply after account closure.

11.2 By Company

We may terminate or suspend your access to the Platform:

For violation of these Terms
For fraudulent or illegal activity
At our discretion, with or without notice

12. Modifications to Service

We reserve the right to:

Modify or discontinue features of the Platform
Change service offerings
Update technology and infrastructure

We will notify you of material changes. Your continued use after changes constitutes acceptance.

13. Contact Information

If you have questions about these Terms, please contact us:

Email: support@reclaimbharosa.com
Phone: +91 90045 97095
Offices: Mumbai, India