IRDAI Disclaimer

As mandated by the Insurance Regulatory and Development Authority of India (IRDAI), we hereby declare that insurance is the subject matter of solicitation. The information provided on this platform about insurance products is for general informational and educational purposes only and does not constitute an offer or solicitation to buy or sell any insurance product.

Every effort has been made to ensure the accuracy of the information contained in this platform. However, Sabse Pahle Bima or its partners accept no responsibility for any loss or damage arising from reliance on the information presented herein.

Sabse Pahle Bima operates as an insurance intermediary and advisor. Our role is limited to:

•Providing insurance advisory and comparison services

•Facilitating the process of insurance purchases through partner insurance companies

•Assisting with claim documentation and follow-up

We are NOT an insurance company and do not underwrite, issue, or guarantee any insurance policies. The insurance contracts are solely between the policyholder and the respective insurance company.

Sabse Pahle Bima is committed to operating in compliance with all applicable IRDAI regulations, including but not limited to:

•IRDAI (Registration of Corporate Agents) Regulations, 2015

•IRDAI (Code of Conduct for Corporate Agents) Regulations

•IRDAI (Protection of Policyholders' Interests) Regulations, 2017

•IRDAI (Web Aggregator) Regulations, 2017 (as applicable)

Sabse Pahle Bima does not guarantee the settlement of any insurance claim. The decision to accept or reject a claim rests solely with the insurance company based on the terms and conditions of the policy contract.

While we assist policyholders with claim documentation and follow-up with insurance companies, the final claim decision is at the sole discretion of the insurer. Past claim settlement ratios of insurance companies are indicative and do not guarantee future claim settlements.

We strongly advise all policyholders to:

•Read and understand the policy document carefully before purchasing

•Disclose all material facts accurately at the time of application

•Comply with all policy conditions and requirements

•Contact the insurance company directly for claim-related queries

Past performance of any insurance plan, fund, or investment does not guarantee future returns. The performance data presented on this platform is historical and should not be interpreted as a guarantee of future results.

Insurance products with guaranteed returns are subject to the claims-paying ability of the insurance company. Market-linked plans (ULIPs) are subject to market risks, and the NAV may go up or down based on market conditions.

The premium amounts, coverage details, and benefits shown on this platform are indicative and may vary based on individual factors such as age, health status, income, and other underwriting criteria. The actual premium and terms will be as determined by the insurance company at the time of policy issuance.

Sabse Pahle Bima uses artificial intelligence and machine learning algorithms to generate insurance recommendations. These recommendations are:

•Based on the information provided by the user and general insurance principles

•Suggestive in nature and should NOT be considered as definitive financial advice

•Subject to change based on updated information or changing market conditions

•Not a substitute for professional, personalized financial advice from a qualified advisor

Users are strongly encouraged to:

•Verify all information before making any insurance purchase decision

•Consult with a certified financial planner or insurance advisor for personalized advice

•Read the policy document (sales brochure) carefully before concluding any sale

•Understand the terms, conditions, exclusions, and limitations of any insurance product

While we strive to provide accurate and up-to-date information about insurance products, we cannot guarantee the completeness or accuracy of the information presented. Insurance product features, premiums, and terms are subject to change by the insurance companies without prior notice.

The product information displayed on this platform is sourced from:

•Official websites of insurance companies

•IRDAI public disclosures

•Insurance company brochures and policy documents

•Publicly available data and reports

In case of any discrepancy between the information on our platform and the official policy document, the policy document shall prevail. We recommend that users verify all details directly with the insurance company before making a purchase decision.

In the interest of full transparency, we disclose that:

•Sabse Pahle Bima earns commission from insurance companies for successful policy referrals and purchases facilitated through our platform

•This commission is paid by the insurance company and does not increase the premium for the policyholder

•The commission structure does not influence our AI-generated recommendations or advisory services

•We strive to recommend products that are in the best interest of the policyholder, regardless of commission structures

•Users have the right to purchase insurance products directly from the insurance company without using our platform

In case of any grievance related to insurance products or services, users may approach:

Step 1: Insurance Company

Contact the insurance company directly through their customer service channels for policy-related grievances.

Step 2: Sabse Pahle Bima Grievance Officer

If the grievance is related to our platform or advisory services:

Email: sabsepahlebima@gmail.com

Phone: 9996469069

Step 3: IRDAI Grievance Portal

If the grievance is not resolved within 30 days, you may escalate it to IRDAI:

•IRDAI Grievance Portal: https://igms.irdai.gov.in

•IRDAI Toll-Free Number: 1800-425-4732 (1800-IRDA-HELP)

Step 4: Insurance Ombudsman

You may also approach the Insurance Ombudsman for faster resolution of insurance-related disputes, as per the Insurance Ombudsman (Redressal of Grievances) Rules, 2017.

Sabse Pahle Bima is committed to complying with all applicable regulations, including:

•**IRDAI Act, 1999** and all rules and regulations framed thereunder

•**Insurance Act, 1938** as applicable to insurance intermediaries

•**Indian Contract Act, 1872** for all contractual obligations

•**Information Technology Act, 2000** for digital operations and data protection

•**Consumer Protection Act, 2019** for consumer rights and grievance redressal

•**Digital Personal Data Protection Act, 2023** for data privacy compliance

•**Prevention of Money Laundering Act, 2002** where applicable

•**Foreign Exchange Management Act, 1999** for any cross-border transactions

We cooperate fully with IRDAI, law enforcement agencies, and regulatory authorities in any investigations or inquiries.

Insurance involves certain risks that users should be aware of:

•Insurance coverage is subject to the terms, conditions, exclusions, and limitations of the policy

•Failure to disclose material facts may lead to rejection of claims or cancellation of the policy

•Premiums for health and term insurance may increase at renewal based on age, claims experience, or regulatory changes

•Market-linked insurance plans (ULIPs) are subject to market risks, and the investment value may fluctuate

•Tax benefits are subject to changes in tax laws and individual tax circumstances

•Insurance companies may change their product features, premiums, or terms with regulatory approval

Users should carefully assess their insurance needs, read all policy documents, and consult with qualified professionals before making any insurance decisions.