InsuDesk

Terms & Conditions

Effective date: 16 October 2026 · Last updated: 16 October 2026

Draft for legal review. Items in [square brackets] must be completed, and the whole document checked by a qualified lawyer, before launch.

These Terms & Conditions ("Terms") form a binding agreement between you and [legal name of the business or proprietor] ("InsuDesk", "we", "us") for your use of the InsuDesk Android app and the website at insudesk.naukridhanda.com (the "Service"). Please read them with our Privacy Policy, Disclaimer and Refund Policy, which are part of these Terms. By creating an account, installing or using the Service you confirm that you have read and agree to them. If you do not agree, do not use the Service.

1. The Service

InsuDesk is a customer-relationship and business-management tool for insurance agents and other finance advisors in India. It helps you manage clients, policies, renewals, premium dues, a sales pipeline, a calendar, marketing posters and reports. InsuDesk is a software tool only. We are not an insurer, insurance broker, corporate agent, POSP, mutual fund distributor, lender or financial adviser, and we do not sell, recommend or service insurance or financial products.

2. Eligibility and your account

  • You must be at least 18 and able to enter a binding contract under Indian law. If you use the Service for a business, you confirm you can bind it.
  • You must give accurate details: name, email, a valid Indian mobile number and a password of at least 8 characters with an uppercase letter, a lowercase letter and a number.
  • One account is for one person. Do not share your login. You are responsible for all activity under your account and for keeping your password and device secure. Tell us at once of any unauthorised use.
  • You are responsible for holding any licence, registration or authorisation needed for your profession (for example from IRDAI, AMFI or other regulators) and for complying with the rules that apply to you.

3. Free trial and subscription

  • New accounts receive a 7 day free trial with access to the features of the app. No payment is needed to start the trial. [Confirm.]
  • After the trial, continued use needs a paid yearly subscription. The price and plan name shown in the app or on our website at the time of purchase apply. Prices are in Indian rupees [and include or exclude GST: confirm] and may change for future purchases or renewals; a change will not affect a period you have already paid for.
  • Your subscription expiry date is shown in the app. [The subscription does / does not renew automatically: confirm. If it renews automatically, state the renewal notice and how to cancel.]
  • Payments are processed by [Google Play Billing / name of payment gateway]. We do not store your card or UPI details. Their terms also apply.
  • If a subscription ends, you may lose access to paid features. We will keep your data for the period in our Privacy Policy so you can renew or export it. [Confirm export option.]
  • Refunds are governed by our Refund Policy.

4. Your data and your responsibilities

  • You own the data you enter ("Your Data"). You give us a limited licence to store, process and display it only to provide, secure and support the Service for you.
  • You are responsible for the accuracy, legality and quality of Your Data, and for having the right and any consent needed to store and use your clients' personal data and to contact them, including under the DPDP Act, 2023 and rules on commercial communications (TRAI/DLT) and WhatsApp's policies.
  • Keep your own records. Back up important data and exports. Check dates, amounts and policy details yourself, because reminders and reports are only as accurate as the data entered.

5. Acceptable use

You must not:

  • use the Service for anything unlawful, fraudulent, misleading or harmful, or to harass, spam or send unsolicited or unlawful messages;
  • misrepresent products, returns or benefits, or use the posters or messages to mislead clients;
  • upload malware, or try to break, probe, overload or bypass the security or limits of the Service;
  • copy, resell, sub-license, reverse-engineer or extract the source code of the app, except as law allows;
  • scrape data from the Service, or use the lead extractor on pages or in a way that breaks the law, the site's terms, or others' privacy rights;
  • use another person's identity, brand or insurer logos without permission, or infringe intellectual property.

We may suspend or remove content or accounts that breach these rules.

6. Intellectual property

The Service, including the app, software, design, logo, name "InsuDesk", text and graphics, belongs to us or our licensors and is protected by law. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the app for your own business while these Terms apply. Insurer, POSP provider and other third-party names and logos shown in the app belong to their owners, are used only for identification, and do not imply endorsement or affiliation. Posters you create from your own material remain yours, but you are responsible for the content and for having the rights to use it.

7. Third-party services

The Service may work with third-party services such as Google Play, your own email (SMTP) provider, WhatsApp, calling apps and payment providers. We do not control them and are not responsible for their availability, charges or terms.

8. Availability and changes

We work to keep the Service running but do not promise it will be uninterrupted, error-free or always available. We may update, change, add or remove features, perform maintenance, or change these Terms. For material changes we will give notice in the app, on this page or by email. If you keep using the Service after the effective date, you accept the changes; if not, stop using it and you may close your account.

9. Termination

You may stop using the Service and delete your account at any time (see the Privacy Policy). We may suspend or end your access immediately if you break these Terms, misuse the Service, do not pay, or if required by law. Sections that by nature should continue, including ownership, payment obligations, disclaimers, liability, indemnity and dispute resolution, continue after termination.

10. Disclaimer of warranties

To the extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy, and non-infringement. See also our Disclaimer.

11. Limitation of liability

To the extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive loss, or for loss of profits, business, commission, clients, goodwill or data, arising from your use of or inability to use the Service, even if we were told of the possibility. Our total liability for any claim relating to the Service is limited to the amount you paid us for the Service in the 12 months before the event that gave rise to the claim, or Rs [1,000] if you have paid nothing. Nothing in these Terms excludes liability that cannot be excluded under law, including liability for fraud or for rights you have under the Consumer Protection Act, 2019. [Lawyer to confirm wording.]

12. Indemnity

You agree to defend and compensate us and our team against claims, losses and costs (including reasonable legal fees) arising from Your Data, your breach of these Terms or the law, or your dealings with your clients and insurers.

13. Governing law and disputes

These Terms are governed by the laws of India. We encourage you to contact us first at Insudesksupport@gmail.com so we can try to resolve the issue informally. Unresolved disputes are subject to the exclusive jurisdiction of the courts at [city], India. [Lawyer to consider adding arbitration.] Consumers may also use the remedies available under the Consumer Protection Act, 2019.

14. General

  • Entire agreement: these Terms and the linked policies are the whole agreement between us about the Service.
  • Severability: if a part is held invalid, the rest remains in force.
  • No waiver: not enforcing a right is not a waiver of it.
  • Assignment: you may not transfer your rights without our consent; we may transfer ours as part of a business transfer.
  • Notices: we may send notices to your registered email or in the app. You may write to us at the contact details below.
  • Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control.

15. Contact

InsuDesk, [address], India
Email: Insudesksupport@gmail.com
Phone: +91 9076094316

Get it on Google Play