These Terms & Conditions define the rules, responsibilities, and usage guidelines for accessing and using Twinsure services.
Your use of the platform is governed by clear, transparent, and fair terms designed to protect both users and the ecosystem.
Terms Overview Section
A summary of the key areas covered by our Terms & Conditions.
Guidelines for using Twinsure's platform, tools, and digital services responsibly.
Your obligations to provide accurate information and use the platform lawfully.
How we handle your data under our Privacy Policy and DPDPA 2023 framework.
Understanding that Twinsure provides advisory guidance, not policy underwriting.
Eligibility, account security, and intellectual property requirements.
Complete legal terms governing the use of Twinsure's platform and services.
Last Updated: 16 May 2026 | Effective Date: 16 May 2026 | Version: 1.0 | Governing Law: Laws of India
These Terms are entered into between:
The Platform includes the website www.twinsure.com, the Smart Recommendation Engine, contact and enquiry forms, and all associated content and services.
Twinsure provides insurance consultancy and advisory services including, but not limited to:
Insurance products are subject to underwriting by respective insurance companies. Policy terms, coverage, premiums, and exclusions are determined solely by the insurer. Twinsure acts as an intermediary and does not guarantee approval or specific terms of any policy.
You must be at least 18 years of age and legally capable of entering into binding contracts under Indian law to use this Platform. By using the Platform, you represent and warrant that you meet these requirements.
Providing false or misleading information may result in (a) policy claim rejections by the insurer, (b) cancellation of policies, (c) legal liability under the Insurance Act 1938 or IPC, and (d) immediate termination of your access to the Platform.
All content on the Platform, including but not limited to text, graphics, logos, icons, images, software, the recommendation engine algorithm, and the Twinsure brand, is the exclusive intellectual property of Twins Consultancy or its licensors and is protected under the Copyright Act 1957, Trade Marks Act 1999, and other applicable Indian and international IP laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial purposes only. You may not reproduce, distribute, modify, adapt, publicly display, or create derivative works without prior written consent.
Your personal data is collected and processed in accordance with our Privacy Policy, which forms an integral part of these Terms. By using the Platform, you consent to such collection and processing as described in the Privacy Policy.
By submitting the contact form, recommendation engine, or lead capture form, you expressly consent to being contacted by Twinsure agents via telephone, SMS, email, or WhatsApp for the purpose of providing insurance advisory services, follow-ups, and related correspondence, even if your number is registered under the National Do Not Call (DND) registry, as permitted under TRAI regulations for business communications.
The Platform may contain links to third-party insurance providers' websites. These are provided for convenience only. Twinsure does not control and is not responsible for the content, accuracy, privacy practices, or security of third-party sites. Access to such sites is at your own risk and subject to their respective terms.
To the maximum extent permitted by applicable law:
You agree to indemnify, defend, and hold harmless Twins Consultancy, its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Platform; (b) your breach of these Terms; (c) your violation of any applicable law; or (d) any inaccurate information provided by you.
The Platform and all content are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. Twinsure does not warrant that recommendations will be suitable for your specific needs or financial circumstances.
Twinsure operates as an insurance consultant/advisor in compliance with:
Twinsure reserves the right to suspend or terminate your access to the Platform at any time, without notice, if we believe you have violated these Terms, engaged in fraudulent or abusive behaviour, or for any other reason at our sole discretion. Termination does not affect any accrued rights or obligations.
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts at Karur, Tamil Nadu. Prior to litigation, parties agree to attempt resolution through good-faith negotiation for a period of 30 days.
Twinsure reserves the right to modify these Terms at any time. Material changes will be communicated via email or Platform notice. Your continued use after such notice constitutes acceptance of the revised Terms. We recommend reviewing this page periodically.
If any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. A waiver of any breach shall not constitute a waiver of any subsequent breach.
These Terms, together with the Privacy Policy and any other policies published on the Platform, constitute the entire agreement between you and Twinsure with respect to your use of the Platform and supersede all prior communications, agreements, and understandings.
For questions or concerns about these Terms:
Common questions about our Terms & Conditions.
Final Acknowledgement Section
By continuing to use Twinsure services, you acknowledge that you have read, understood, and agree to these Terms & Conditions.