Terms of Service
The short version: PolicySaaf is a free tool that helps you understand your insurance documents. It is not a licensed insurance advisor. The analysis is for informational purposes only — always verify important findings with a certified professional before making any financial decision.
1. Acceptance of Terms
By accessing or using PolicySaaf at policysaaf.com, you agree to be bound by these Terms of Service. If you do not agree, please do not use the service. These terms apply to all visitors and users.
2. Description of Service
PolicySaaf is a free, AI-powered tool that analyzes insurance and loan policy documents and presents a plain-language summary, including potential risks, red flags, and general guidance. The service supports English, Hindi, and Marathi.
PolicySaaf is not affiliated with any insurance company, insurer, broker, or the Insurance Regulatory and Development Authority of India (IRDAI).
3. Not Professional or Legal Advice
Always consult a licensed insurance advisor, legal professional, or financial planner for advice specific to your situation. PolicySaaf shall not be liable for any decisions made based on the analysis provided.
4. No Warranty
PolicySaaf is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:
- Accuracy, completeness, or timeliness of the analysis
- Fitness for a particular purpose
- Uninterrupted or error-free operation
- That the AI interpretation of your document will be correct in all cases
AI analysis may contain errors or omissions. It may not capture every clause or nuance in a complex policy document.
5. Limitation of Liability
To the maximum extent permitted by applicable law, PolicySaaf and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this service — including but not limited to claim rejections, financial losses, or decisions made based on the analysis.
6. Your Responsibilities
By using PolicySaaf, you agree to:
- Upload only documents you have the legal right to upload (i.e., your own policy documents)
- Not attempt to reverse-engineer, scrape, or abuse the service
- Not upload documents containing third-party personal data without consent
- Use the service for personal, non-commercial purposes only
- Not use the analysis output to provide advice to others for commercial gain
7. Intellectual Property
The PolicySaaf name, logo, design, and all original content on this website are the intellectual property of PolicySaaf and its operators. You may not reproduce, distribute, or create derivative works from any part of this service without written permission.
The analysis output generated from your document is provided to you for personal use. You retain ownership of your uploaded documents.
8. Privacy
Your use of PolicySaaf is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the service, you consent to the data practices described in that policy.
9. Service Availability
PolicySaaf is a free service and may be modified, suspended, or discontinued at any time without notice. We are not obligated to provide any specific level of service uptime or availability.
10. Changes to These Terms
We may update these Terms of Service from time to time. When we do, we will revise the "Last updated" date. Continued use of PolicySaaf after changes are posted constitutes your acceptance of the revised terms.
11. Governing Law
These Terms of Service are governed by the laws of India. Any disputes arising from use of this service shall be subject to the exclusive jurisdiction of the courts of India.
12. Contact
If you have questions about these Terms, please contact us: