Terms of Use

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Privacy Policy :

We take all the measures and precautions to ensure that your privacy is maintained at each and every phase of our services. We do not distribute names or addresses of our registered members. This information is collected solely for site administration purposes. We have security measures in place to prevent unauthorized access or alteration, disclosure or destruction of member's data.

Our Privacy Policy may change from time to time. All the changes in the policy will be directly communicated to our registered members through our web site at least a week in advance of its implementation.


Legal Disclaimer :

This website provides only general information intended to those who are facing the problems related to insurance. The information and news items on this site are aimed at sharing of knowledge only. This information is not a legal advice, nor is it intended to create any binding client/advisor relationship. Do not take any action based upon this information unless you consult with a specialist.


Forum Guidelines:

Rules regarding duplicate content:

• Duplicate content would not be permitted. By duplicate content we mean-


• An accurate copy of information from another source


• Model information as portrayed in your blog or your own website.


• Once the system detects duplicate content, it will convert the content into image.

Steps to evade content duplicity:

• Rephrase content from other sources in your own language.


• If you would need to use content from external sources, please place the url within double quotes if the site is a .com site or else it will be deactivated by our moderators. You may keep the link activated in case you are dealing with a .org or .edu link.

Forum Postings:

• Avoid displaying your company name or the contact information within your posts. If you want to convey such information, please show them as a part of your signature. You may share all about yourself with the community members using the share-introduce thread.


• Do not indulge in defaming or abusing other members and external visitors. Also, do not violate legal rights pertaining to others.


• Abusive languages would not be tolerated in the forums and in comments.


• Mutual respect, appreciation and co-operation are expected from the community members.


• The comments in our discussion forums are owned by whoever posted them. We are not responsible for them in any way.


• Avoid postings extracted from email, newsletters and web pages in the forum as these may lead to copyright violation. Promotional posts will be deleted without any notice.


• We would not link to any site for commercial purposes, however it is permissible to link to sites connected with the National Government Authorities, educational institutes and research institutes or if they are relevant to the context.


• One does not earn anything after making 10 posts over a period of 24 hrs. The posts after the 10th aren’t paid for but one can surely make any no. of relevant posts in a day they want to. This has been done to prevent spamming just for the sake of earning some quick bucks.


• Any duplicate user-id belonging to the same user may be automatically deleted by the system.


• Signature links will be allowed only after 10 quality posts from a member.


• Posts in Announcements, Feedback and Pub wont earn any dollars for the forum members.


Guide Section:

We would not allow articles in the Guide Section that have been picked up from other websites. This might create copyright problems for us. Any such postings shall stand to be deleted and repeated postings shall result in the member getting banned from the community.


Copyright Policy:

You may reproduce the materials available at this site for your own personal use and for non-commercial distribution purposes. All such copies must include our copyright notice.