Terms & Conditions

1. Definitions

• "Platform" refers to the Tatkal Claims website and all associated services.
• "User" or "You" refers to any individual or entity accessing or using our Platform.
• "Services" refers to insurance dispute resolution assistance, case evaluation, complaint filing, and related support services.
• "Expert" refers to legal professionals, retired insurance ombudsmen, and insurance specialists associated with Tatkal Claims.
• "Insurer" refers to insurance companies, their agents, and intermediaries.

2. Nature of Services

Tatkal Claims provides the following services:

• Free initial case evaluation and assessment
• Documentation review and preparation
• Complaint filing with insurers, IRDAI, Insurance Ombudsman, and Consumer Courts
• Negotiation and settlement assistance
• Legal representation coordination (where applicable)

Disclaimer: We do not guarantee any specific outcome, settlement amount, or timeline. Success depends on the merits of your case, insurer cooperation, and regulatory processes.

3. Eligibility

By using our Platform, you represent and warrant that:

• You are at least 18 years of age or have parental/guardian consent
• You are the policyholder, nominee, or legally authorized representative
• The information you provide is true, accurate, and complete
• You have the legal right to dispute the insurance claim in question

4. User Obligations

You agree to:

• Provide accurate and complete information about your insurance dispute
• Submit all relevant documents including policy documents, rejection letters, and correspondence
• Respond promptly to requests for additional information or documentation
• Not use our Platform for any fraudulent, illegal, or unauthorized purpose
• Not interfere with the operation of our Platform or attempt to gain unauthorized access

5. Fees and Payment

• Initial Consultation: Free case evaluation with no obligation
• Service Fees: If you choose to proceed, fees are based on case complexity and communicated transparently before engagement
• No Hidden Charges: All fees are disclosed upfront in writing
• Refund Policy: Fees are non-refundable once services have commenced, except as required by law

6. Intellectual Property

All content on our Platform, including text, graphics, logos, images, and software, is the property of Tatkal Claims or its licensors and is protected by Indian and international copyright laws. You may not:

• Copy, reproduce, or distribute our content without written permission
• Use our trademarks or branding without authorization
• Create derivative works from our content

7. Limitation of Liability

To the maximum extent permitted by law:

• Tatkal Claims shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the fees paid by you for the specific service giving rise to the claim
• We are not liable for delays caused by insurers, regulatory bodies, or courts
• We are not liable for decisions made by Insurance Ombudsman, IRDAI, or courts

8. Indemnification

You agree to indemnify and hold harmless Tatkal Claims, its directors, employees, and agents from any claims, damages, or expenses arising from:

• Your breach of these Terms
• Your violation of any law or third-party rights
• Any misrepresentation or false information provided by you

9. Dispute Resolution

Any dispute arising from these Terms shall be resolved as follows:

• Negotiation: Parties shall first attempt to resolve the dispute through good faith negotiation
• Mediation: If negotiation fails, parties may agree to mediation under the Mediation Act, 2023
• Arbitration: If mediation fails, disputes shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996
• Jurisdiction: The courts of Mumbai, Maharashtra shall have exclusive jurisdiction over any unresolved disputes

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, including the Insurance Act, 1938, IRDAI Act, 1999, Consumer Protection Act, 2019, and Digital Personal Data Protection Act, 2023.

11. Termination

We reserve the right to:

• Suspend or terminate your access to our Platform for violation of these Terms
• Refuse service to anyone for any reason at our discretion
• Modify or discontinue any part of our services without notice

12. Third-Party Services

Our Platform may integrate with third-party services (e.g., Google Forms, WhatsApp, payment gateways). Your use of these services is subject to their respective terms and conditions. We are not responsible for the content, privacy practices, or availability of third-party services.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes by posting the updated Terms on our website with a revised "Last Updated" date. Continued use of our Platform after changes constitutes acceptance of the revised Terms.

14. Contact Information

For questions about these Terms, please contact us: