1. Acceptance of Terms

Welcome to https://fclinsurance/ (“Website”, “we”, “our”, “us”).

By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our website.

By using our website or interacting with our ads on Google Ads and Meta Ads, you agree to provide accurate information and accept communication related to our services, offers, and updates.

Your continued use of the website means you accept any updates to these Terms.

2. About Our Website (Affiliate Disclaimer)

https://fclinsurance/ is an insurance comparison and affiliate website.

  • We are NOT an insurance company, agent, or broker
  • We do NOT sell or issue insurance policies
  • We do NOT process applications or payments
  • We do NOT provide personalized insurance advice

All products and services are provided by third-party insurance providers.

When you click on external links, you will be redirected to third-party websites, and their policies will apply.

3. Affiliate Disclosure

We earn commissions through affiliate partnerships.

  • Clicking links may track referrals
  • We may earn commission if you take action (buy, sign up, etc.)
  • You do NOT pay extra

Note: Placement of products may be influenced by affiliate partnerships.

4. No Warranty or Guarantee

We do not guarantee:

  • Accuracy of pricing or policy details
  • Availability of insurance products
  • Suitability of any product for your needs
  • Claim approvals or payouts

All information is for general informational purposes only.

5. Information Accuracy

We try to keep information updated, but:

  • Insurance terms change frequently
  • Data may not always be current
  • Not all providers are listed

Always verify details directly with the insurance provider.

6. No Professional Advice

Content on this website is NOT:

  • Financial advice
  • Legal advice
  • Insurance advice

Always consult a qualified professional before making decisions.

7. Third-Party Links

Our website contains external links.

We are not responsible for:

  • Third-party content
  • Their privacy policies
  • Their services or transactions

Use third-party websites at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law:

We are not liable for:

  • Any loss or damage from using the website
  • Errors or missing information
  • Third-party transactions or services
  • Loss of data or profits

Your only remedy is to stop using the website.

9. Disclaimer of Warranties

The website is provided “as is” and “as available” without any warranties.

We do not guarantee:

  • Website uptime
  • Error-free operation
  • Security from viruses

10. User Responsibilities

You agree to:

  • Use the website legally
  • Provide accurate information
  • Not misuse or hack the website
  • Not use bots, scraping tools, or automation
  • Not impersonate others

11. Intellectual Property

All content on https://fclinsurance/ is protected.

You may NOT:

  • Copy or reuse content
  • Modify or distribute
  • Use for commercial purposes

Without written permission.

12. Insurance-Related Issues

We are not responsible for:

  • Policy cancellations
  • Refunds
  • Claims
  • Disputes

Contact the insurance provider directly for such matters.

13. Eligibility

You must be 18+ years old to use this website.

14. Indemnification

You agree to protect and hold us harmless from:

  • Legal claims
  • Damages
  • Losses

Caused by your misuse of the website.

15. Termination

We may suspend or terminate access anytime without notice.

16. Changes to Terms

We may update these Terms anytime.

Continued use = acceptance of updated Terms.

17. Governing Law

These Terms are governed by the laws of India.

18. Severability

If any part of these Terms is invalid, the rest remains valid.

19. Entire Agreement

These Terms + Privacy Policy = full agreement between you and us.

20. Contact Us

📧 Email: contact@infofclinsurance/🌐 Website: fclinsurance