Disclaimer

Last updated: September 15, 2026

Please read this Disclaimer carefully before using premiums.ffkolkata.cam (the “Website”, “Service”, “we”, “us” or “our”). By accessing or using the Website, you confirm that you have read, understood and accepted this Disclaimer in full. If you do not agree with any part of it, please stop using the Website.

1. General Information Only

All content published on this Website – including articles, guides, premium comparisons, sample quotes, cost tables, calculators and opinions about life insurance, health insurance, motor and car insurance, home and property insurance, travel insurance and related financial products – is provided for general information and educational purposes only.

Our articles are written for a general audience. They do not take into account your age, health, occupation, driving history, claims history, assets, income, country of residence, or the specific terms of any policy you hold or wish to buy.

2. Not Professional Advice

Nothing on this Website should be treated as:

  • Insurance advice or a personal recommendation to buy, keep, switch, renew or cancel any policy;
  • Financial or investment advice of any kind, including advice on unit-linked, endowment or investment-linked insurance products;
  • Medical advice, diagnosis or treatment guidance;
  • Legal, tax or accounting advice.

Always speak with a licensed insurance agent or broker, a qualified financial adviser, or another appropriately regulated professional before making any decision about your cover. Insurance is a personal matter, and what suits one person may be entirely unsuitable for another.

3. We Are Not an Insurer, Broker or Agent

We are an independent information website. We are not an insurance company, underwriter, broker, agent, aggregator, claims handler or a licensed financial institution, and we are not authorised or regulated by any insurance or financial regulator.

We do not sell insurance, issue policies, provide binding quotes, assess your eligibility, collect premiums, process applications, or handle or settle claims. Reading this Website does not create any client, agent, broker or fiduciary relationship between you and us.

4. Premiums, Quotes and Figures Are Estimates Only

Insurance premiums depend on many individual rating factors – such as age, gender (where permitted), health and medical history, occupation, smoking status, sum assured, policy term, vehicle model, driving record, no-claims bonus, property value, location, deductible or excess chosen, and the insurer’s own underwriting rules.

Any premium figures, price ranges, comparison tables, sample calculations or calculator outputs shown on this Website are illustrative estimates only. They are not quotes, they are not offers of cover, and they cannot be relied upon as the price you will actually pay.

Only a formal quotation issued by a licensed insurer or broker, following full underwriting, is binding. Always obtain your own quote and confirm the exact premium before you commit.

5. Policy Terms, Exclusions and Coverage Vary

Coverage, waiting periods, exclusions, sub-limits, deductibles, co-payments, free-look periods, grace periods, claim procedures, renewal terms and eligibility rules differ widely between insurers, products, states and countries, and they change frequently.

The policy document issued by your insurer is the only binding contract. Always read the full policy wording, product disclosure statement, schedule of benefits and the exclusions list before purchasing, and confirm every detail directly with the insurer.

6. Accuracy, Errors and Omissions

We make reasonable efforts to keep our content accurate and up to date. Even so, insurance laws, regulations, tax treatment, product features and pricing change over time, and errors or omissions can occur. We make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information on the Website. Content may become outdated, and we are under no obligation to update it.

7. Insurer and Brand Names

Any insurer names, product names, brand names and logos mentioned on this Website are the property of their respective owners and are used for identification and descriptive purposes only. Their use does not imply affiliation with, endorsement by, or sponsorship from any insurer, nor does it imply that any insurer endorses this Website.

8. External Links Disclaimer

The Website may contain links to external websites, insurer pages, comparison services or resources that are not provided, owned, controlled or monitored by us. We do not guarantee the accuracy, relevance, timeliness or completeness of information on any third-party website, and we are not responsible for their content, privacy practices, products or services. A link does not imply endorsement, sponsorship or approval. Accessing a third-party website is done entirely at your own risk.

9. Advertising and Affiliate Disclosure

This Website may be supported by advertising and, in some cases, by affiliate or referral arrangements. This means:

  • Third-party advertisements (for example, ads served by Google AdSense and its partners) may appear on our pages. We do not control which ads are shown and we do not endorse the advertisers or their products.
  • Some outbound links may be affiliate links. If you click such a link and take an action, we may earn a small commission at no additional cost to you.

Advertising and affiliate relationships never change our editorial opinions, and they should not be read as a recommendation that a particular policy or insurer is suitable for you.

10. Views Expressed Disclaimer

Any views or opinions published on the Website are those of the individual authors and do not necessarily reflect the official policy or position of any other author, agency, organisation, employer, insurer or company. Where the Website allows comments or user submissions, such content is the sole responsibility of the person who posted it. We are not liable for user-generated content and may remove it at any time, for any reason, without notice.

11. Fair Use Disclaimer

The Website may occasionally use copyrighted material that has not always been specifically authorised by the copyright owner, for purposes such as commentary, criticism, news reporting, teaching, scholarship or research. We believe this constitutes “fair use” / “fair dealing” under applicable copyright law. If you wish to use copyrighted material from this Website for purposes that go beyond fair use, you must obtain permission from the copyright owner. If you believe your rights have been infringed, contact us and we will review the matter promptly.

12. “Use at Your Own Risk” and Limitation of Liability

All information on the Website is provided “as is” and “as available”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from its use, and without warranty of any kind, express or implied, including warranties of performance, merchantability or fitness for a particular purpose.

To the maximum extent permitted by applicable law, we shall not be liable to you or anyone else for any decision made or action taken in reliance on the information provided, nor for any direct, indirect, incidental, special, consequential or exemplary loss or damage – including loss of profits, savings, data, goodwill, a rejected claim, a lapsed policy, or uncovered medical or repair expenses – arising out of or connected with your access to or use of (or inability to use) the Website, even if we have been advised of the possibility of such damages.

13. No Guarantee of Availability

We do not warrant that the Website will be available without interruption, that it will be secure or error-free, or that it is free of viruses or other harmful components. You are responsible for maintaining your own virus protection and data backups.

14. Changes to This Disclaimer

We may update this Disclaimer at any time to reflect changes to our content, our practices, or applicable law. The revised version becomes effective as soon as it is published on this page, and the “Last updated” date above will be amended. Your continued use of the Website after any change means you accept the updated Disclaimer.

15. Contact Us

If you have any questions about this Disclaimer, please contact us: