Terms of Use

1. Acceptance of Terms

By accessing or using InsurancePolicy.com.pk (“we,” “our,” or “the Portal”), you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use. If you do not agree to these terms, please discontinue using this website immediately.

2. Portal Purpose & Educational Scope

InsurancePolicy.com.pk provides digital calculation tools, policy comparisons, bonus estimates, and general informational guides regarding financial and insurance options in Pakistan. Content on this site is published strictly for informational, comparison, and educational purposes.

3. Calculator Tools & Accuracy of Data

While we strive to maintain up-to-date and accurate formula models, bonus schedules, and market estimations:

• Calculations generated on this portal are estimates intended for personal scenario planning only.
• Official premium rates, bonus declarations, surrendered values, and policy benefits are governed exclusively by the underwriting insurance provider.
• We reserve the right to modify or adjust calculation parameters at any time without prior notice.

4. User Responsibilities & Acceptable Use

When interacting with our portal, you agree that you will not:

• Use automated scripts, bots, or scraping tools to harvest data or load testing scripts against our server resources.
• Submit false, misleading, or malicious details through our inquiry or quote calculation forms.
• Attempt to bypass site security controls, tamper with server code, or interfere with portal accessibility for other users.

5. Intellectual Property Rights

All custom layout designs, logos, text content, CSS styling, and interactive JavaScript tools on https://insurancepolicy.com.pk are protected by applicable intellectual property laws. You may not copy, reproduce, or redistribute our proprietary code or written content without explicit written consent from our management team.

6. Limitation of Liability

Under no circumstances shall InsurancePolicy.com.pk or its owners be held liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, this portal or the information contained herein. Users are advised to verify final contract details directly with official insurance representatives prior to executing policy decisions.

7. External Links & Third-Party Sites

Our website may contain hyperlinks to external third-party websites, insurance providers, or regulatory portals. We do not control, endorse, or accept responsibility for the privacy practices or content on external websites.

8. Governing Law & Revisions

These Terms of Use shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan. We reserve the right to revise or update these terms at any time. Your continued use of the site after updates indicates acceptance of the revised Terms of Use.