Terms of Use

1. Acceptance of Terms

By accessing, browsing, or using the NewEdgePolicy website (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you must not use this Website.

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website following any changes constitutes acceptance of those changes.

2. Nature of Service

NewEdgePolicy is an independent digital media and publishing platform. We provide:

• Insurance news, analysis, and editorial content.
• General information about insurance products and categories.
• Guides, comparisons, and educational resources related to insurance.

We are not an insurance company, broker, underwriter, financial advisor, or regulated financial services provider. We do not sell, distribute, or underwrite any insurance products directly.

We also operate lead generation enquiry forms (such as our Retirement Plan Enquiry Form) that allow you to express interest in being contacted by licensed insurance advisors or partner financial professionals. By voluntarily submitting such a form, you acknowledge that the personal information you provide (including name, email address, phone number, age, city, and income range) may be shared with relevant IRDAI-registered insurance advisors or partners for the sole purpose of fulfilling your enquiry. Submission of any enquiry form is entirely optional. Please review our Privacy Policy for full details of how your information is handled.

3. No Financial or Insurance Advice

All content published on the NewEdgePolicy Website is provided for general informational and educational purposes only. Nothing on this Website constitutes:

• Financial advice or investment advice.
• Insurance advice or a recommendation to purchase any specific insurance product.
• Legal or tax advice.

Before making any insurance purchase or financial decision, you should consult a qualified, licensed insurance advisor or financial professional. NewEdgePolicy accepts no responsibility for decisions made based on content published on this Website.

4. Content Accuracy and Illustrations

We make every effort to ensure that information published on the Website is accurate and up to date. However:

• Any figures, premium estimates, coverage details, or product features mentioned are indicative and may change without notice.
• Illustrative returns, projections, or maturity values (if any) are estimates based on assumed rates and are not guaranteed. Actual results may be higher, lower, or zero.
• Insurance regulations, policy terms, and insurer guidelines are subject to change by the relevant regulatory authorities.

Always verify product details directly with the relevant insurer before purchasing any policy.

5. Third-Party Services and Links

The Website may contain links to third-party websites, including insurer websites, regulatory bodies, and financial information portals. NewEdgePolicy:

• Has no control over and accepts no responsibility for the content, accuracy, or privacy practices of third-party websites.
• Does not endorse or guarantee any product, service, or information provided by third parties.
• May receive compensation from third-party advertisers or affiliate partners. Such relationships do not affect our editorial independence.

6. Intellectual Property

All content on the NewEdgePolicy Website — including but not limited to text, articles, images, graphics, logos, videos, and design elements — is owned by or licensed to NewEdgePolicy and is protected by applicable intellectual property laws.

You may not reproduce, copy, republish, upload, post, transmit, distribute, or modify any content from this Website without our prior written permission, except for personal, non-commercial use. Sharing links to articles with proper attribution is permitted.

7. User Conduct

By using this Website, you agree that you will not:

• Use the Website for any unlawful purpose.
• Attempt to gain unauthorised access to any part of the Website or its associated systems.
• Scrape, harvest, or extract data from the Website using automated tools without our consent.
• Transmit any viruses, malware, or harmful code.
• Post, share, or transmit any defamatory, offensive, or misleading content via our contact or comment features.

8. Limitation of Liability

To the fullest extent permitted by applicable law, NewEdgePolicy and its editors, contributors, officers, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of, or inability to use, this Website.
• Any reliance placed on content published on this Website.
• Any errors, omissions, or inaccuracies in the content.
• Unauthorised access to or alteration of your data.
• Any interruption or unavailability of the Website.

The Website is provided on an "as is" and "as available" basis without any warranty of any kind.

9. Indemnity

You agree to indemnify, defend, and hold harmless NewEdgePolicy and its team from any claims, liabilities, damages, costs, and expenses (including legal fees) arising from your use of the Website, your violation of these Terms of Use, or your infringement of any third-party rights.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with applicable laws. Any disputes arising out of or related to the use of this Website shall be resolved through good-faith negotiation between the parties. If a dispute cannot be resolved amicably, it shall be submitted to the appropriate jurisdiction as determined by applicable law.

11. Changes to These Terms

We may update these Terms of Use at any time without prior notice. The updated version will be posted on this page with a revised "Last updated" date. Continued use of the Website after changes are posted constitutes your acceptance of the updated terms. We recommend reviewing this page periodically.

12. Contact

If you have any questions about these Terms of Use, please contact us:

• Email: info@newedgepolicy.com
• Website: newedgepolicy.com/contact.php

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