Terms & Conditions

Last Updated: July 2026

1. About Our Services

InsuranceStall is an independent insurance advisory service operated by Sreenadh Pedarla (IRDAI License No. [AIG2359420000, HDF60566743, RLH20650625]). We provide guidance and comparison across Life, Health, and Car Insurance products from multiple leading insurers. We are not an insurance company, and this website is not a platform for purchasing insurance policies directly — it is a channel to request a consultation.

2. No Guarantee of Policy Issuance

All insurance policies are underwritten and issued solely at the discretion of the respective insurance company, based on their own eligibility criteria, underwriting norms, and applicable regulations. We do not guarantee approval, premium amount, or claim settlement outcomes of any policy.

3. Zero Advisory Fees

We do not charge you any consultation or advisory fee for the guidance provided. Our advisory relies on your budget and requirements alone, not on which insurer offers a higher commission — your policy premium remains the same whether you buy it through us or directly.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting any form on this website or during consultation. Any recommendation, quote, or advice we provide is based on the information you share with us — incomplete or inaccurate information may affect the suitability of our recommendations or the outcome of a policy application or claim.

5. Third-Party Insurer Terms

Any policy you purchase is governed by the terms, conditions, exclusions, and privacy policy of the respective insurance company. We recommend reading the policy wording and prospectus carefully before purchase. We are happy to walk you through these details as part of our advisory process.

6. Website Content & Intellectual Property

All content on this website — including text, graphics, and branding — is the property of InsuranceStall unless otherwise stated, and is provided for general informational purposes only. It should not be treated as a substitute for personalized financial or insurance advice.

7. External Links

This website may contain links to third-party websites (such as insurer portals) for your convenience. We are not responsible for the content, accuracy, or privacy practices of any external website.

8. Limitation of Liability

While we make every effort to provide accurate and honest guidance, InsuranceStall and Sreenadh Pedarla shall not be liable for any direct or indirect loss arising from decisions made based on information provided on this website. Final policy decisions and their consequences rest with the policyholder and the respective insurer.

9. Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of India. Any disputes arising out of the use of this website shall be subject to the jurisdiction of the courts in Vijayawada, Andhra Pradesh.

10. Changes to These Terms

We may update these Terms & Conditions from time to time. Continued use of this website after changes are posted constitutes your acceptance of the revised terms.