Disclaimer

Last Updated: 15 January 2026
Effective Date: 15 January 2026

1. Nature of Services

Reclaim Bharosa is an insurance claim assistance and support platform. For the avoidance of doubt, Reclaim Bharosa is:

  • NOT an insurance company
  • NOT an insurance intermediary or insurance agent licensed by IRDAI
  • NOT a law firm or provider of legal services
  • NOT a financial, investment, or tax advisor
  • NOT a regulatory or statutory authority

Reclaim Bharosa acts solely as an independent consultant and facilitator, assisting users with:

  • Preparation and submission of insurance claim documentation
  • Assistance in communications with insurance companies
  • Support in follow-up of rejected, delayed, or short-settled claims
  • Guidance on claim procedures and documentation requirements

All final decisions regarding acceptance, rejection, settlement amount, and timelines rest exclusively with the concerned insurance company.

2. No Guarantee of Outcomes

Reclaim Bharosa does not guarantee:

  • Approval or acceptance of any insurance claim
  • Any specific settlement amount or full recovery
  • Resolution of claims within a particular timeframe
  • Acceptance of documentation or representations by insurance companies

Claim outcomes depend on multiple factors, including policy terms, insurer procedures, regulatory requirements, and case-specific facts, many of which are beyond our control.

3. No Professional Advice

The services and information provided by Reclaim Bharosa are assistive and informational in nature only.

  • We do not provide legal advice, legal representation, or advocacy
  • We do not provide financial, investment, tax, or medical advice

Users are advised to seek independent advice from appropriately licensed professionals for matters requiring specialized expertise.

4. AI Assistant Disclaimer

Where our platform provides AI-assisted responses or tools:

  • AI-generated content is informational and assistive only
  • AI outputs may contain inaccuracies or omissions
  • AI tools do not replace professional judgment or human expertise
  • Users must independently verify critical information before acting upon it

Reclaim Bharosa does not warrant the completeness or accuracy of AI-generated responses.

5. Third-Party Services and External Factors

Reclaim Bharosa shall not be responsible for:

  • Actions, decisions, or omissions of insurance companies
  • Failures or disruptions of third-party service providers (including hosting, AI, or communication services)
  • Changes in laws, regulations, or regulatory interpretations
  • External websites or third-party content linked from the platform

6. Information Accuracy

While reasonable efforts are made to provide accurate and updated information:

  • Insurance policies, terms, and procedures vary between insurers
  • Laws and regulations are subject to change
  • Information may become outdated over time

Users are encouraged to verify information independently and review their insurance policy documents carefully.

7. Website Content and Testimonials

All content on the platform is provided for general informational purposes only and may not apply to every individual case.

Testimonials, illustrations, or case references reflect individual experiences and do not guarantee similar outcomes.

8. Limitation of Liability (Consumer Law Safe)

To the maximum extent permitted under applicable Indian law:

  • Reclaim Bharosa shall not be liable for indirect, incidental, special, or consequential damages
  • Reclaim Bharosa shall not be liable for decisions or actions of insurance companies or other third parties

Any liability, if established by a competent authority, shall be limited to the fees actually paid by the user for the relevant services.

Consumer Law Saving Clause: Nothing in this Disclaimer shall exclude or limit any statutory rights or remedies available to consumers under the Consumer Protection Act, 2019 or any other applicable law.

9. No Endorsement or Affiliation

References to insurance companies, products, services, or third parties do not constitute:

  • Endorsement or recommendation
  • Partnership, agency, or affiliation (unless expressly stated in writing)

10. Jurisdiction

This Disclaimer shall be governed by the laws of India. Subject to statutory consumer rights, courts at Mumbai, Maharashtra shall have jurisdiction.

12. Contact Information

If you have questions regarding this Disclaimer, please contact:

Reclaim Bharosa

Helping India with smoother insurance claim processes

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