Terms & Conditions

Insurance by RupiFlow provides a technology platform solely for facilitating insurance premium payments for existing insurance policies issued by IRDAI-registered insurance companies.

• Does not sell insurance policies
• Does not issue or underwrite insurance
• Does not provide insurance advice
• Is not an insurance company, broker, corporate agent, or web aggregator

RupiFlow's role is strictly limited to payment facilitation. All matters related to policy coverage, benefits, claims, renewals, cancellations, and refunds are governed exclusively by the respective insurance company.

Users must ensure that all details entered — including policy number, insurer name, and customer details — are accurate. RupiFlow shall not be responsible for failures arising from incorrect information provided by the user.

• Payments are processed through RBI-authorized payment gateways and BBPS infrastructure
• RupiFlow does not store card, UPI, or banking credentials

RupiFlow provides payment acknowledgment only. Final policy status and premium credit confirmation are subject to insurer processing.

RupiFlow shall not be liable for:

• Insurer system downtime
• Delayed or failed policy updates
• Claim disputes
• Policy cancellation or rejection by insurer

Any misuse of the platform for fraudulent or unlawful activity may result in account suspension and reporting to appropriate authorities.

These Terms & Conditions shall be governed by the laws of India, with courts at Hyderabad, Telangana, having exclusive jurisdiction.