Transparency & Disclosures

1. Regulatory Status & Distributor Role

PAYGAIN MULTI SERVICES PRIVATE LIMITED acts as an IRDAI (Insurance Regulatory and Development Authority of India) Insurance distributor. Please note that PayGain is an insurance distributor and is **not an insurance provider/insurer**. We do not underwrite insurance risk, carry liabilities, or issue policies ourselves. Instead, we sell, distribute, and coordinate insurance policies and planning options offered by third-party IRDAI-registered insurance provider companies.

2. Partner Insurance Providers

We assist clients in choosing, evaluating, and purchasing insurance plans from established, licensed third-party insurance partners. Currently, our main partner relationships include:

• Bajaj Allianz Life Insurance Company Limited
• TATA AIA Life Insurance Company Limited
• Niva Bupa Health Insurance Company Limited

The binding contract of insurance is exclusively between the policyholder (customer) and the respective insurance provider.

3. Corporate Details & Location Presence

In compliance with corporate filing standards under the Registrar of Companies (RoC-Kolkata), our corporate identification and regional offices are structured as follows:

• Corporate Identification Number (CIN): U70200WB2024PTC267967
• Registered Office: C/O Krishna Banshi Khanra, Vill+PO- Nandapur, East Midnapore, West Bengal - 721625
• Corporate / Operating Office: 3WS4B, 3rd Floor, West Tower, Mani Casadona, Newtown, Kolkata, WB - 700156
• Regional Offices: Delhi, Lucknow, and Jodhpur.
• Client Reach: Currently serving clients across 10+ cities.

4. Scope of Services & Renewal Support

PayGain facilitates profile analysis, financial goal planning, premium illustrations, and renewal support.

• Renewal Support: The Renewal Support benefit is a service structure where PayGain may support selected renewal premiums depending on plan limits, slabs, and client eligibility. Specific Renewal Support details are shared during consultation and officially documented.
• General Consultations: Our website guides the preliminary collection of requirements. Product features, suitability, benefits, limitations, terms, exclusions, and tax treatment are explained in detail during advisory sessions.

5. Calculators & Illustrations Disclaimer

All interactive calculators (including Mutual Fund SIP, Step-Up SIP, Retirement Corpus, SWP Income, Human Life Value, Term Cover, Child Education, and Health Cover calculators) on the PayGain Pulse page are for educational and demonstrative purposes only.

These tools utilize user inputs and assumed rates of return to generate mathematical estimates. They do not constitute formal quotes, guarantees of returns, or performance projections. Actual premium rates, maturity benefits, and policy valuations depend on official insurance schedules and third-party investment terms.

6. No Guarantees & Investment Risks

Market-linked options, mutual funds, capital plans, and preference share opportunities carry inherent market risks. PayGain does not guarantee capital preservation, assured dividend payouts, fixed returns, or outcomes. Customers must review official offer documents, prospectus papers, exclusions, policy terms, and conditions carefully before committing any capital.