Terms of Service
Last updated: April 2026
By using this website, you agree to these terms. Please read them carefully. If you do not agree, please do not use this website.
1Nature of Service
Poddar Wealth Management provides general insurance advisory and financial planning information through this website. Ajay Kumar Poddar is a licensed IRDAI agent authorised to sell LIC of India and Star Health Insurance products. Any recommendation made through this website or a personal consultation is advisory in nature and does not constitute a binding contract. Final policy terms are governed by the respective insurer's policy document.
2Website Content — For Information Only
All content on this website — including calculator outputs, plan comparisons, premium estimates, and wealth projections — is for illustrative and educational purposes only. It does not constitute investment advice, tax advice, or a recommendation to purchase any specific product. Actual premiums, returns, and benefits depend on age, health, insurer underwriting, and applicable IRDAI regulations at the time of purchase.
3Calculator Accuracy
Our calculators (Wealth Blueprint Calculator, Premium Calculator, Life Insurance Calculator, Retirement Calculator) use publicly available actuarial assumptions and standard financial models. Results are approximate. Do not make financial decisions based solely on calculator outputs. Always consult a qualified financial advisor and read the product brochure before purchasing.
4AI Advisor Disclaimer
Poddar Ji (our AI Advisor) is powered by Anthropic Claude and is designed to provide general guidance. It is not a licensed financial advisor. Responses from the AI are informational only and should not be treated as professional financial advice. Always verify AI responses with Ajay Kumar Poddar or another licensed advisor before acting on them.
5No Guarantee of Availability
We strive to keep this website available at all times but do not guarantee uninterrupted access. Maintenance, updates, or unforeseen technical issues may cause temporary unavailability. We are not liable for losses resulting from website downtime.
6Third-Party Links
This website may contain links to LIC of India, Star Health Insurance, and other third-party websites. We are not responsible for the content, accuracy, or privacy practices of those sites. Visiting linked sites is at your own risk.
7Intellectual Property
All content on this website — including text, images, logo, design, and calculator logic — is the property of Poddar Wealth Management. You may not reproduce, distribute, or commercialise any content without written permission.
8Limitation of Liability
To the maximum extent permitted by applicable law, Poddar Wealth Management shall not be liable for any indirect, incidental, or consequential losses arising from use of this website, reliance on calculator outputs, or AI advisor responses. Our total liability for any claim shall not exceed ₹1,000.
9Governing Law
These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Gorakhpur, Uttar Pradesh, India.
10Contact
For questions about these terms, contact us at: +91 94153 13434 or visit our Contact page. Poddar Wealth Management, Gorakhpur, Uttar Pradesh — IRDAI Authorised Agent.