Privacy Policy

Effective Date:14-01-2026

Vivek Services respects your privacy and is committed to protecting your personal and sensitive information. This policy outlines how your data is collected, used, shared, and safeguarded while delivering insurance and financial services. All information is handled responsibly, transparently, and in compliance with applicable laws.

1 Information We Collect

Personal details such as name, address, and contact information
Date of birth and identity details as required
Medical information relevant to insurance services
Financial details necessary for policy processing
Policy documents and communication records

2 How Information Is Collected

Provided voluntarily by customers
Collected when required for service delivery
Obtained to meet regulatory or legal obligations

3 Use of Information

Insurance advisory and policy servicing
Policy issuance and renewals
Claim assistance and related processes
Communication regarding services and updates
Compliance with applicable laws and regulations

4 Data Sharing Practices

Shared with insurance companies for policy and claim processing
Shared with legal or regulatory authorities when mandated
Never sold, rented, or traded to third parties

5 Data Security Measures

Reasonable safeguards to protect personal data
Restricted access to authorized personnel only
Measures to prevent unauthorized access or misuse
Acknowledgment that no digital system is fully secure

6 Customer Consent

Consent obtained through use of our services
Applies to collection, use, and storage of information
Customers may seek clarification on data usage

7 Policy Updates

Privacy policy may be updated periodically
Updates reflect service or legal changes
Changes are effective upon website publication

8 Policy Updates

Privacy policy may be updated periodically
Updates reflect service or legal changes
Changes are effective upon website publication

Terms & Conditions

These Terms & Conditions govern the use of services provided by Vivek Services. By accessing our services, you agree to comply with these terms.

Effective Date:14-01-2026.

1 Nature of Services

Vivek Services provides insurance and financial advisory support as a facilitator. All insurance products are offered by licensed insurance companies and are subject to their respective terms and conditions.

2 Customer Obligations

Customers agree to:

Provide accurate and complete information
Pay premiums on time
Keep personal and contact details updated

Failure to comply may result in policy cancellation or claim rejection by the insurer.

3 Advisory Role

Our role is limited to guidance and assistance. Final decisions regarding policy approval, coverage, premium, claims, and settlements are solely taken by the insurance company.

4 Payments & Commissions

Premium payments are made directly to the insurance company
Vivek Services may receive commissions as per IRDAI guidelines
No hidden charges are applied to customers

Any additional service charges, if applicable, will be clearly communicated.

5 Claim Assistance

We assist customers with claim procedures; however:

Claim approval and timelines are controlled by the insurer
Vivek Services is not responsible for claim rejection or delay

6 Limitation of Liability

Vivek Services shall not be liable for:

Insurer decisions
Policy exclusions or conditions
Loss due to incorrect customer information
Regulatory or insurer policy changes

7 Grievance Redressal

Customers are encouraged to contact us for grievance resolution. If unresolved, customers may approach the insurance company or IRDAI grievance mechanisms.

8 Changes to Terms

These terms may be modified without prior notice. Continued use of services indicates acceptance of updated terms.

Disclaimer

The information provided by Vivek Services is for general guidance and informational purposes only.

No Guarantee

Insurance policies are subject to insurer terms, conditions, exclusions, and approval
Policy issuance and claim settlement are not guaranteed

Third-Party Responsibility

All products are offered by third-party insurers
Vivek Services is not responsible for policy changes, claim decisions, or service delays

Accuracy of Information

Customers should independently verify policy documents and insurer communications

Professional Advice

Final insurance decisions rest solely with the customer after reviewing policy details

Legal Jurisdiction

All disputes are subject to Indian laws and the jurisdiction of Indian courts

FAQs

What insurance do you offer?

We offer a wide range of insurance solutions, including Motor Insurance, Health Insurance, Life Insurance, and General Insurance, tailored to meet individual and business needs.

How to file a claim?

Are your services affordable?

Can I customize my policy?

How do I contact you?

Yes, we strive to offer competitive and value-based insurance solutions to suit different budgets and needs.

You can contact us via phone, email, or our website contact form. Our team will get in touch with you promptly to assist with your queries.

You can file a claim by contacting our support team, submitting the required documents, and following the insurer’s claim process. We assist you at every step for smooth coordination.

Yes, policies can be customized with add-ons and coverage options based on your needs, subject to the insurer’s terms and availability.