Terms & Conditions

1. Acceptance of Terms · સ્વીકૃતિ

By accessing and using vinodbhairohit.com, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use this website.

This website is operated by Vinodbhai Rohit (Vinod G. Rohit), Chief Life Insurance Advisor at LIC of India, Agency Code: 00525879, Branch CAB-879, Vadodara Division.

2. Nature of Services · સેવાઓ

This website provides general information about life insurance plans offered by LIC of India and facilitates connection with Vinodbhai Rohit for:

• Free insurance consultation and advisory services
• Guidance on LIC policy selection based on your financial needs
• Policy servicing support — renewals, claims, and document assistance
• Educational information about life insurance and financial planning

3. Insurance Disclaimer · વીમા ડિસ્ક્લેઇમર

The information on this website is for general educational and informational purposes only. It does not constitute:

• A binding insurance offer or contract
• Guaranteed investment returns or financial advice
• Legal or tax advice

Premium amounts, coverage, and policy terms shown (including the insurance calculator) are indicative only. Exact details depend on the applicant's age, health, and LIC's approved policy terms at the time of application.

4. Accuracy of Information · માહિતીની સચ્ચાઈ

We make every effort to ensure the information on this website is accurate and up to date. However, LIC policy terms, premium rates, and government regulations may change. Always confirm current details with Vinodbhai Rohit before making any insurance decision.

We are not liable for any decisions made based solely on information found on this website without personal consultation.

5. Calculator Tool · કેલ્ક્યુલેટર ટૂલ

The insurance cover calculator provided on this website generates indicative estimates based on general rules of thumb. Results are not a substitute for a personalised needs assessment conducted by a qualified advisor. Actual coverage recommendations may differ based on your complete financial profile, health status, and specific policy terms.

6. WhatsApp & Communication · સંવાદ

By clicking WhatsApp links on this website, you consent to initiating communication with Vinodbhai Rohit for insurance consultation purposes. We will only contact you in response to your inquiry or with your explicit consent for renewal reminders.

We will not send unsolicited promotional messages. You may opt out of communication at any time by informing us.

7. Third-Party Links · તૃતીય-પક્ષ લિંક

This website may contain links to external websites (LIC of India, IRDAI, WhatsApp, etc.). We are not responsible for the content, privacy practices, or terms of these external sites. Visiting external links is at your own discretion.

8. Intellectual Property · બૌદ્ધિક સંપત્તિ

All content on this website — including text, design, and layout — is the property of Vinodbhai Rohit unless otherwise noted. LIC of India's name and logo are trademarks of LIC and are used for identification purposes as an authorised agent.

You may not reproduce, copy, or distribute content from this website without prior written permission.

9. Limitation of Liability · दायित्व की सीमा

To the extent permitted by law, Vinodbhai Rohit shall not be liable for any indirect, incidental, or consequential damages arising from the use of this website or reliance on information presented here.

Our liability, if any, is limited to facilitating a consultation connection. All contractual obligations arise between you and LIC of India through the official policy issuance process.

10. Governing Law · ગવર્નિંગ કાયદો

These Terms and Conditions are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Vadodara, Gujarat.

All insurance activities are regulated by the Insurance Regulatory and Development Authority of India (IRDAI). For complaints, you may also contact IRDAI's Grievance Call Centre at 1800-4254-732 (toll-free).

11. Changes to Terms · ફેરફારો

We reserve the right to update these Terms and Conditions at any time. Continued use of the website after changes constitutes acceptance of the revised terms. We recommend reviewing this page periodically.

12. Contact Us · સંપર્ક

For questions about these terms, please contact: