Terms and Conditions – Claim Guards
 

These Terms and Conditions (“Terms”) govern your use of the services provided by Claim Guards (“we”, “our”, “us”). By contacting us, submitting your details, or using our services, you agree to these Terms.

Please read them carefully.

1. Who We Are

Claim Guards is an insurance claim support service based in India. We help individuals and businesses with:

• Stuck, delayed, or rejected insurance claims

• Communication with insurers, TPAs, and related parties

• Guidance on documentation and claim processes

We are not an insurance company and we do not issue insurance policies.

2. Nature of Our Services

Our services include, but are not limited to:

• Reviewing your policy and claim documents

• Advising you on possible next steps and options

• Drafting letters, representations, or communications related to your claim

• Coordinating with insurers, TPAs, hospitals, or other parties involved in your case

• Providing general guidance based on our experience with insurance claims

Our services are support and guidance only. We do not guarantee any specific outcome, such as claim approval, claim amount, or time taken to resolve the matter.

3. No Guarantee of Claim Approval

Insurance claim decisions are made by the insurance company or relevant authority, not by Claim Guards.

While we work to present your case strongly and clearly:

• We cannot guarantee that your claim will be approved

• We cannot guarantee that your claim amount will be increased

• We cannot guarantee any specific timeline for resolution

Any examples of past results are for illustration only and do not promise similar outcomes in your case.

4. Your Responsibilities

To use our services, you agree to:

1. Provide accurate and complete information

   • Share true, correct, and up-to-date details about your policy, claim, and situation

   • Provide all relevant documents, such as policy copies, claim forms, bills, reports, and letters

2. Inform us of any changes

   • Notify us if you receive new letters, emails, or updates from your insurer or any other party

3. Cooperate with us

   • Respond to our questions and requests for information

   • Provide any authorizations or letters of authority needed for us to communicate on your behalf

If you provide false, incomplete, or misleading information, we may be unable to assist you effectively and may stop providing services.

5. Fees and Payments

Our fees and payment terms may vary depending on the nature and complexity of your case. Before we start work, we will explain:

• The type of fee arrangement (for example, consultation fee, service fee, or other structure)

• When and how payments are to be made

By using our services, you agree to pay the fees that we have clearly communicated and that you have accepted.

Any government charges, taxes, or third-party fees (for example, courier charges, notarization, or other external costs) are your responsibility unless we explicitly agree otherwise.

6. No Legal or Tax Advice

Our services are focused on insurance claim support. We do not provide:

• Legal advice as an advocate or law firm

• Tax, investment, or financial planning advice

Any information we share is general guidance based on our experience with insurance claims. For legal, tax, or financial advice, you should consult a qualified professional.

7. Limitation of Liability

To the maximum extent permitted by law:

• Claim Guards and its team will not be liable for any indirect, incidental, special, or consequential loss or damage arising from your use of our services.

• Our total liability, if any, will be limited to the amount of fees you have paid us for the specific service related to your claim.

We are not responsible for:

• Decisions made by insurance companies, TPAs, or other third parties

• Delays caused by external parties or authorities

• Losses arising from incomplete, incorrect, or delayed information provided by you

8. Use of Your Information

We handle your personal and claim information in line with our Privacy Policy. By using our services, you agree that we may use and share your information as described in that policy, to the extent needed to handle your case.

9. Changes to Services

We may update, modify, or discontinue some or all of our services at any time. If a change affects an ongoing case, we will make reasonable efforts to inform you.

10. Termination

Either you or we may end the service relationship at any time:

• You may stop using our services and inform us in writing or by email.

• We may stop providing services if, for example, you do not cooperate, do not pay agreed fees, or provide false or misleading information.

If services are terminated, you remain responsible for any fees due for work already completed.

11. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the updated version on this page. Your continued use of our services after changes means you accept the updated Terms.

12. Contact Us

If you have any questions about these Terms and Conditions, please contact:

Claim Guards
Email: adv.bchhabra@gmail.com
Address: 272, Sanjay Vihar Opposite 11-A. Jain House, Gobindpura, Yamunanagar, Haryana, 135001