Terms of Service

1. Acceptance of Terms

By using this website, you confirm that you have read, understood, and agreed to these Terms of Service, our Privacy Policy, and all applicable disclaimers. If you do not agree to these terms, you must immediately discontinue using our services and exit this platform.

2. User Eligibility

Our financial analysis, eligibility checkers, and consultation services are intended solely for individuals who:

• Are at least 18 years of age and legally competent to enter into binding contracts.
• Are citizens or residents of India.
• Provide true, accurate, current, and complete information in all forms and eligibility tools.

3. Scope of Services & Partner Disclosures

PayGain facilitates profiles analysis, regular income illustrations, and renewal support structures.

• Calculations and Estimations: All calculators, regular income illustrations, and eligibility results displayed on this website are for demonstration and educational purposes. Actual premium illustrations and policy returns are governed by insurance policy schedules issued by our IRDAI-registered partners.
• Contracting: PayGain facilitates the initial matchmaking and consultation. The final contract of insurance is exclusively between you and the respective licensed insurance company.

4. Intellectual Property

The brand name, logos, website layout, graphics, content, algorithms, and calculators are the exclusive intellectual property of PayGain Multi Services Private Limited. You may not copy, reproduce, distribute, or create derivative works from any part of this website without our explicit prior written consent.

5. Limitation of Liability

PayGain, its directors, and employees shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use or inability to use this platform, or from decisions made based on the generalized guidelines shared here. Users are advised to review official policy illustrations and benefit schedules carefully before finalizing any transaction.

6. Governing Law & Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any legal dispute, claim, or action arising under these terms shall be subject to the exclusive jurisdiction of the competent courts in Kolkata, West Bengal, India.

7. Modifications to Terms

We reserve the right to revise or update these Terms of Service at any time. The updated terms will be published directly on this page with the modified date. Continued use of our website following any updates constitutes acceptance of the new terms.