The conditions that govern your use of the PolicyRaj website and advisory services.
Last updated: July 2026
PolicyRaj™ is a registered trademark of Sachin Kathuria, an IRDAI-licensed individual insurance advisor. This Website is an informational and advisory platform operated by Sachin Kathuria in his individual capacity. PolicyRaj is not an insurance company, corporate agent, or insurance broker, and does not underwrite, issue, or guarantee any insurance policy. All insurance policies are issued solely by the respective IRDAI-regulated insurance companies, and are governed by their own terms and conditions.
The Website is intended for use by persons aged 18 years or above who are capable of entering into a legally binding contract under the Indian Contract Act, 1872. By using the Website, you represent that you meet these requirements.
All content on this Website — including articles, guides, product descriptions, comparisons, calculator outputs, and responses from the Veera AI assistant — is provided for general informational purposes only. It does not constitute financial, investment, tax, legal, or medical advice, and it does not create an advisor–client relationship. Personalised advice is provided only through direct consultation with Sachin Kathuria. Always read the official policy document of the relevant insurer before making any purchase decision.
The Veera AI assistant and the AI Document Scanner are automated tools that provide general information. They may occasionally produce incomplete or inaccurate output. Their responses are not professional advice and must not be relied upon as the sole basis for any insurance decision. Verify all important details with Sachin Kathuria or the relevant insurer.
The PolicyRaj™ name and logo are the registered trademark of Sachin Kathuria. All Website content — text, graphics, design, and code — is protected by applicable copyright and trademark laws. Insurer names and logos displayed on the Website belong to their respective owners and are used only to identify the products discussed. You may not copy, reproduce, or distribute Website content for commercial purposes without prior written permission.
You agree not to:
The Website contains links to insurer websites, WhatsApp, and other third-party services. These are provided for convenience only. We do not control and are not responsible for the content, availability, or privacy practices of third-party sites. Your use of them is at your own risk and subject to their own terms.
The Website is provided on an "as is" and "as available" basis. While we make reasonable efforts to keep information accurate and current, we make no warranties — express or implied — about its completeness, accuracy, or fitness for a particular purpose. To the maximum extent permitted by law, Sachin Kathuria / PolicyRaj shall not be liable for any indirect, incidental, or consequential loss arising from your use of the Website, reliance on its content, or any decision of an insurance company (including claim decisions, which rest solely with the insurer).
You agree to indemnify and hold harmless Sachin Kathuria / PolicyRaj from any claim, loss, or expense (including reasonable legal fees) arising out of your breach of these Terms or misuse of the Website.
These Terms are governed by the laws of India. Any dispute arising out of or relating to the Website shall be subject to the exclusive jurisdiction of the competent courts at Gurugram, Haryana.
We may revise these Terms from time to time. Changes take effect when posted on this page with an updated "Last updated" date. Continued use of the Website after changes constitutes acceptance of the revised Terms.