Terms of Service

Last Updated: April 1, 2026

Welcome to Shikhar IMF Pvt. Ltd. (“Company”, “we”, “our”). By accessing or using our website and services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our services.

1. Services Provided

Shikhar IMF Pvt. Ltd. is an IRDAI-registered Insurance Marketing Firm (IMF). We provide insurance advisory, comparison, and distribution services for life, health, and general insurance products. We act as an intermediary between clients and insurance companies licensed by IRDAI.

2. Eligibility

You must be at least 18 years of age and a resident of India to use our services. By using our website, you represent that you meet this eligibility requirement.

3. User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information at all times.
• Not misrepresent your identity, health conditions, or any material facts when applying for insurance.
• Not use our platform for any unlawful or fraudulent purpose.
• Maintain the confidentiality of your account credentials.
• Notify us immediately of any unauthorized access to your account.

4. Insurance Products Disclaimer

Insurance is the subject matter of solicitation. Shikhar IMF acts as a distributor and does not underwrite any insurance policy. All policies are issued by IRDAI-licensed insurance companies. We do not guarantee the approval of any insurance application or claim. Policy terms, premiums, and coverage are determined solely by the respective insurance company.

5. No Financial Advice

Information provided on our website is for general informational purposes only and does not constitute professional financial, legal, or tax advice. We recommend consulting a qualified financial advisor for personalized guidance.

6. Intellectual Property

All content on this website, including text, graphics, logos, icons, and images, is the property of Shikhar IMF Pvt. Ltd. or its content suppliers and is protected under applicable copyright laws. Unauthorized use is strictly prohibited.

7. Limitation of Liability

To the fullest extent permitted by law, Shikhar IMF Pvt. Ltd. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or reliance on information provided on this website.

8. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising shall be subject to the exclusive jurisdiction of courts in Pune, Maharashtra.

9. Amendments

We reserve the right to modify these Terms at any time. Continued use of our services after changes are posted constitutes your acceptance of the revised terms.

10. Contact Us

For questions about these Terms, please contact:

• info@shikharimf.com
• +91 9356633524
• Office No-1311/12, Boulevard Towers, 13th Floor, Sadhu Vaswani Chowk, Camp, Pune - 411001