Terms & Conditions

Last Updated: May 31, 2026

1. Agreement to Terms

By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.

2. Financial & Advisory Disclaimer

The content, calculators, plan comparisons, and estimates provided on this website are for educational and informational purposes only. They do not constitute formal legal, binding financial, or taxation advice.

Regulatory Note: Insurance is a subject matter of solicitation. All insurance policies, features, coverage benefits, claims settlements, and premium structures are governed strictly by the official policy contracts issued directly by Kotak Mahindra Life Insurance Company Ltd.

Chitra acts as an authorized Life Insurance Advisor & Team Leader and does not personally underwrite risk, issue policies, or directly settle financial claims. All claims processes are carried out in accordance with Kotak Life Insurance policies and IRDAI regulations.

3. Lead Submission & Consultation

Submitting an enquiry via our form does not bind either party to purchase or sell any policy. It represents a request for a free consultation. We reserve the right to contact you using the provided number and email to assist you with your insurance planning goals.

4. Intellectual Property

The brand names, trademarked logos, and intellectual property associated with Kotak Life Insurance belong to their respective corporate owners. Website templates, custom layouts, written text content, and animations are copyrighted by Chitra's digital portal.

5. Limitation of Liability

Chitra shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use the information on this website, or decisions made based on policy comparison estimates.

6. Governing Law

These terms are governed by and construed in accordance with the laws of India. Any legal disputes arising in relation to this website are subject to the exclusive jurisdiction of the courts of Chennai, Tamil Nadu.