COMPREHENSIVE REGULATORY AND PROFESSIONAL DISCLAIMERS
This Disclaimer Policy is issued by RPKA Technologies Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at 205, Samruddhi Complex, opposite Sakar III, near Income Tax crossroads, Navrangpura, Ahmedabad 380009, operating under the business name "The Insurance Bar" for the provision of specialized insurance claims consultation, advocacy, and professional advisory services.
RPKA Technologies Private Limited categorically disclaims any engagement in insurance business activities regulated by the Insurance Regulatory and Development Authority of India and expressly clarifies that it does not engage in, facilitate, or participate in the sale, distribution, solicitation, underwriting, or marketing of insurance policies or products of any kind whatsoever. The Company does not hold any licenses issued by IRDAI and is not authorized to conduct insurance business activities under the Insurance Act, 1938, or related regulatory frameworks governing insurance operations in India.
The Company operates exclusively as a legal consultation and advocacy service provider, offering professional advisory services to policyholders who are experiencing difficulties with existing insurance claims, settlement disputes, coverage interpretations, or related matters involving their existing insurance policies. All services provided by the Company are strictly limited to legal consultation, claims advocacy, professional advisory services, and related support activities that do not constitute insurance business activities under applicable regulatory definitions.
The Company maintains no formal business relationships, partnerships, agency arrangements, or contractual affiliations with insurance companies, third-party administrators, insurance brokers, or other entities engaged in insurance business activities. The Company does not receive commissions, referral fees, or other compensation from insurance companies or related entities that could create conflicts of interest or compromise the independence of its advocacy services. All compensation received by the Company is paid directly by clients for professional consultation and advocacy services rendered on their behalf.
By accessing the Company's website, engaging its services, or maintaining any professional relationship with the Company, users acknowledge and agree to be bound by all disclaimers, limitations, and conditions set forth in this Disclaimer Policy, which forms an integral part of the Company's Terms of Use, Terms and Conditions, and Terms of Service governing all aspects of the business relationship.
No Guarantees Regarding Claim Outcomes
The Insurance Bar expressly disclaims any warranties, guarantees, representations, or promises regarding specific outcomes of insurance claims, policy interpretations, settlement negotiations, regulatory proceedings, or any other matters related to insurance advocacy services. The Company provides professional consultation and advocacy services designed to assist clients in understanding their insurance rights and pursuing legitimate claims through appropriate legal and regulatory channels, but cannot and does not guarantee, warrant, or promise any specific results or outcomes.
Insurance claim outcomes depend on numerous complex and variable factors entirely beyond the Company's control, including the specific language and terms of individual insurance policies, the factual circumstances surrounding each claim and the availability of supporting evidence, the claims handling practices and decision-making processes of individual insurance companies, applicable legal standards, court decisions, and regulatory interpretations that may affect coverage determinations, the availability and quality of expert witnesses, medical professionals, and other third-party support, economic conditions and market factors affecting the insurance industry, and countless other variables that influence the ultimate resolution of insurance claims and coverage disputes.
While the Company provides expert professional guidance, vigorous advocacy, and comprehensive support designed to maximize the likelihood of favorable outcomes, clients acknowledge and understand that professional advocacy services cannot eliminate the inherent uncertainties associated with insurance claim processes or guarantee that insurance companies, regulatory authorities, courts, or other decision-makers will act in accordance with applicable legal standards, industry best practices, or client expectations.
The Company specifically disclaims any responsibility for claim denials, settlement offers that clients consider inadequate, delays in claims processing or resolution, insurance company practices that may not comply with applicable standards, regulatory enforcement actions or the lack thereof, court decisions that may not favor client positions, or any other outcomes that result from decisions and actions by third parties over whom the Company exercises no control.
The Company's professional services are limited to legal consultation, advocacy, and advisory services related to existing insurance policies and claims processing matters. The Company does not provide legal representation in the traditional attorney-client relationship sense for litigation matters, although it may coordinate with qualified legal counsel when litigation becomes necessary to protect client interests. Clients acknowledge that complex legal matters may require additional expertise, resources, or specialized legal representation beyond the scope of the Company's advocacy services.
The Company does not provide medical advice, financial planning services, investment guidance, tax advice, or other professional services outside its area of expertise in insurance claims advocacy. While the Company may coordinate with medical professionals, financial experts, and other specialists as necessary to support client advocacy efforts, clients remain responsible for obtaining appropriate professional advice regarding medical, financial, legal, and other matters that may affect their circumstances or decisions.
The Company's advocacy services are designed to assist clients in pursuing legitimate claims under existing insurance policies and do not extend to advice regarding insurance purchasing decisions, policy selection, coverage adequacy, or other matters related to the acquisition of new insurance coverage. Clients seeking such advice should consult with qualified insurance professionals, brokers, or advisors who are properly licensed and authorized to provide insurance sales and advisory services.
The Company disclaims any responsibility for client decisions regarding insurance coverage, policy selections, premium payments, or other matters related to the ongoing maintenance of insurance relationships. While the Company may identify potential coverage issues or gaps during the course of advocacy services, clients retain full responsibility for making informed decisions regarding their insurance needs and for obtaining appropriate professional advice regarding insurance purchasing and coverage decisions.
Website Content and Information Reliability
The Insurance Bar endeavors to provide accurate, current, and comprehensive information regarding insurance laws, regulations, industry practices, consumer rights, and advocacy strategies through its website and professional communications. However, the Company expressly disclaims any warranties or representations regarding the accuracy, completeness, currency, or reliability of information provided through any medium, including but not limited to website content, blog posts, articles, newsletters, social media communications, or verbal discussions during consultations.
Information provided by the Company is intended for general educational and informational purposes only and should not be construed as legal advice, insurance advice, or professional recommendations regarding specific client circumstances. General information cannot substitute for personalized professional consultation that takes into account the unique facts, circumstances, policy provisions, and legal considerations applicable to individual cases. Clients are strongly encouraged to seek specific professional advice regarding their particular circumstances before making important decisions regarding insurance claims or related matters.
The Company maintains reasonable procedures to ensure information accuracy and currency, including regular review of website content by qualified professionals, monitoring of legal and regulatory developments affecting insurance law and practice, verification of information through authoritative sources and industry publications, and implementation of update procedures designed to correct inaccuracies and outdated information when identified. However, the dynamic nature of legal and regulatory frameworks, the complexity of insurance law and practice, and the variation in practices among different insurance companies and jurisdictions make it impossible to guarantee the absolute accuracy of all information at all times.
Users acknowledge that insurance law, regulations, and industry practices evolve continuously through legislative action, regulatory guidance, court decisions, and industry developments that may affect the accuracy or applicability of previously published information. The Company cannot guarantee that all information will be updated immediately upon changes in applicable legal standards or industry practices, and users are encouraged to verify critical information through authoritative sources and professional consultation before relying on such information for important decisions.
The Company's website and communications may contain information obtained from or references to third-party sources, including insurance companies, regulatory authorities, legal databases, industry publications, academic institutions, and other professional resources. While the Company endeavors to utilize reliable and authoritative sources, it expressly disclaims any responsibility for the accuracy, completeness, currency, or reliability of third-party information and cannot guarantee that such information reflects the most current legal standards, regulatory requirements, or industry practices.
Third-party information may be subject to different accuracy standards, update schedules, verification procedures, and editorial policies than information generated directly by the Company. Users acknowledge that third-party sources may have their own limitations, biases, or perspectives that could affect the reliability or applicability of information for specific purposes. The Company encourages users to independently verify third-party information through direct contact with relevant organizations, review of primary source documents, consultation with qualified professionals, and other appropriate verification methods.
The Company disclaims any responsibility for changes in third-party information that occur after initial publication or reference, interruptions in third-party services or information availability, inaccuracies or errors in third-party content that may affect user decisions, and any consequences that may result from reliance on third-party information without independent verification. Users are encouraged to exercise appropriate caution and professional judgment in evaluating and utilizing third-party information for decision-making purposes.
Links to third-party websites, references to external organizations, or citations of third-party publications do not constitute endorsement of such sources, their content, their business practices, or their reliability. Users access third-party sources at their own risk and are encouraged to review applicable terms of use, privacy policies, and other relevant information before relying on third-party content or services.
Website and Digital Platform Availability
The Insurance Bar provides its website and digital platforms on an "as is" and "as available" basis without warranties of any kind regarding availability, functionality, performance, security, or compatibility with user systems and requirements. The Company implements reasonable measures to maintain website availability and functionality, but expressly disclaims any warranties or guarantees regarding continuous operation, error-free performance, or immunity from technical problems, security threats, or other issues that may affect digital platform operations.
Website and digital platform operations may be affected by various factors beyond the Company's reasonable control, including internet service provider problems and network connectivity issues, server hardware failures, software malfunctions, or compatibility problems, cyber security incidents, hacking attempts, or malicious software attacks, natural disasters, power outages, or other infrastructure disruptions, government actions, regulatory changes, or legal requirements affecting digital operations, third-party service provider failures or interruptions, and other technical or operational challenges that could impact system availability or performance.
The Company will endeavor to minimize disruptions through reasonable maintenance procedures, security measures, backup systems, and contingency planning, but cannot guarantee uninterrupted access to digital platforms or services. Users are encouraged to maintain alternative communication methods, backup copies of important information, and contingency plans for accessing critical information during system disruptions or technical difficulties.
The Company specifically disclaims liability for any damages, losses, or adverse consequences that may result from website unavailability, system malfunctions, data loss, security breaches, or other technology-related issues, except to the extent such problems result directly from the Company's gross negligence or willful misconduct. Users acknowledge that they assume responsibility for protecting their own technology systems and implementing appropriate security measures in their digital interactions with Company platforms.
While the Company implements comprehensive technical, administrative, and physical safeguards designed to protect user information and ensure compliance with applicable data protection requirements, it expressly disclaims any warranties or guarantees regarding absolute security, complete privacy protection, or immunity from data breaches, security incidents, or unauthorized access attempts. The Company acknowledges that no technology system can provide perfect security and that determined adversaries may overcome even sophisticated security measures.
The Company's security measures include advanced encryption protocols for data transmission and storage, sophisticated access controls and authentication procedures, regular security assessments and vulnerability testing, employee training and background verification procedures, incident response and recovery planning, and continuous monitoring for potential security threats and suspicious activities. However, users acknowledge that security measures may not prevent all possible security incidents and that they share responsibility for protecting their own information and maintaining appropriate security practices.
Users are encouraged to implement appropriate security measures in their own technology systems, including the use of strong passwords and multi-factor authentication where available, regular software updates and security patches for their devices and applications, caution in sharing sensitive information through electronic communications, awareness of common security threats such as phishing attacks and social engineering, and prompt reporting of suspected security incidents or unauthorized access to their accounts or information.
The Company will provide prompt notification of any security incidents that may affect user information in accordance with applicable legal requirements and will take appropriate remedial measures to address security issues and prevent recurrence. However, the Company disclaims liability for security incidents that result from user negligence, third-party actions beyond the Company's control, or other factors not directly attributable to the Company's security practices or procedures.
Insurance Company Interactions and Independence
The Insurance Bar maintains strict independence from insurance companies and related entities to ensure that its advocacy services serve client interests without conflicts of interest or compromising influences. The Company expressly disclaims any responsibility for insurance company decisions, practices, policies, or conduct that may affect client claims or advocacy outcomes. While the Company advocates vigorously for client interests in all interactions with insurance companies, it cannot control or guarantee insurance company responses, settlement offers, claims handling procedures, or compliance with applicable legal and regulatory standards.
Insurance companies operate as independent business entities with their own corporate policies, decision-making processes, financial considerations, legal strategies, and business objectives that may not always align with policyholder interests or expectations. The Company acknowledges that insurance companies may employ various tactics to minimize claim payments, delay claim resolution, or deny coverage that they are legally obligated to provide, and while the Company works diligently to counteract such practices through professional advocacy, it cannot guarantee successful resolution of all conflicts or disputes.
The Company specifically disclaims responsibility for insurance company practices including unreasonable claim denials or settlement offers, delays in claim processing or communication, failure to comply with applicable legal or regulatory requirements, bad faith conduct or unfair claims handling practices, inadequate investigation of claims or coverage issues, and any other conduct that may adversely affect client interests or violate applicable standards of conduct in the insurance industry.
Clients acknowledge that achieving favorable outcomes in insurance matters often requires persistence, strategic planning, and comprehensive advocacy efforts over extended periods, and that initial insurance company responses may not reflect final outcomes that can be achieved through continued advocacy and appropriate pressure through legal and regulatory channels.
Insurance claims frequently involve coordination with healthcare providers, medical professionals, and related entities whose cooperation and expertise may be essential for successful claim resolution. The Company may facilitate such coordination as part of its advocacy services but expressly disclaims any responsibility for healthcare provider decisions, medical opinions, billing practices, record-keeping procedures, or other aspects of medical care and administration that are beyond the Company's expertise and control.
Healthcare providers operate independently with their own professional standards, ethical obligations, business practices, and legal requirements that may affect their willingness or ability to provide information, testimony, or other support for insurance claims. The Company acknowledges that healthcare providers may be reluctant to become involved in insurance disputes, may charge fees for their participation in claim advocacy efforts, may have incomplete or inaccurate records that affect claim support, and may provide medical opinions that do not fully support client positions or claim theories.
The Company specifically disclaims responsibility for medical treatment decisions, healthcare provider billing disputes, medical record accuracy or completeness, healthcare provider availability or cooperation, medical opinions that may not support claim positions, and any other healthcare-related matters that may affect insurance claims but are beyond the Company's professional expertise and control.
Clients acknowledge that they retain full responsibility for their healthcare decisions, relationships with medical providers, and compliance with medical treatment recommendations, and that the Company's advocacy services do not constitute medical advice or recommendations regarding appropriate medical care or treatment options.
Complex insurance disputes may require legal representation by qualified attorneys, particularly when litigation becomes necessary to protect client interests or when specialized legal expertise is required for regulatory proceedings, appeals, or other formal legal processes. The Company maintains relationships with qualified legal professionals and may provide referrals when appropriate, but expressly disclaims any warranties or guarantees regarding the quality, effectiveness, cost, or outcomes of legal services provided by third-party attorneys.
Attorney-client relationships are formed directly between clients and their chosen legal counsel, and the Company is not responsible for attorney performance, legal strategies, litigation outcomes, fee arrangements, or communication practices. Clients acknowledge that legal representation involves complex professional judgments, strategic decisions, and risk assessments that are within the exclusive province of qualified legal counsel and that legal outcomes depend on numerous factors including applicable law, court procedures, judge and jury decisions, and opposing party actions that cannot be predicted or controlled.
The Company may continue to provide advocacy services in coordination with client legal counsel when such coordination serves client interests and is agreeable to all parties involved. However, clients acknowledge that legal representation may change the nature and scope of advocacy services provided by the Company and that attorneys may have different perspectives on case strategy, settlement negotiations, or other matters affecting client interests.
The Company specifically disclaims responsibility for legal fees and costs associated with attorney representation, litigation outcomes and court decisions, attorney malpractice or professional misconduct, conflicts between legal counsel and advocacy strategies recommended by the Company, and any other legal matters that are within the exclusive expertise and responsibility of qualified legal counsel.
Insurance regulation involves complex interactions with various government agencies, regulatory bodies, and enforcement authorities at state and federal levels, each with their own jurisdictional limitations, procedural requirements, enforcement priorities, and decision-making processes. The Company may assist clients in understanding regulatory complaint processes, preparing regulatory submissions, or coordinating with regulatory authorities as part of its advocacy services, but expressly disclaims any ability to control or guarantee regulatory agency responses, investigation procedures, enforcement decisions, or outcomes.
Regulatory agencies operate independently with their own statutory mandates, resource limitations, political considerations, and enforcement priorities that may affect their willingness or ability to address individual consumer complaints or pursue enforcement actions against insurance companies. The Company acknowledges that regulatory agencies may be overwhelmed with complaints, may lack resources for thorough investigations, may prioritize systemic issues over individual cases, and may reach conclusions that do not align with client expectations or advocacy positions.
The Company specifically disclaims responsibility for regulatory agency decisions and enforcement actions, delays in regulatory investigations or responses, inadequate regulatory enforcement of applicable legal standards, political or policy considerations that may affect regulatory priorities, and any other governmental actions or decisions that may affect client interests but are beyond the Company's influence or control.
Clients acknowledge that regulatory complaint processes may be time-consuming and may not result in immediate relief or resolution of their insurance disputes, and that regulatory agencies may recommend alternative dispute resolution procedures or other remedies that require continued advocacy efforts and client participation.
Maximum Liability Thresholds and Financial Limitations
To the maximum extent permitted by applicable law, the total aggregate liability of RPKA Technologies Private Limited to any client or third party for all claims, damages, losses, costs, or other consequences arising from or related to professional services, website usage, or any other aspect of the business relationship shall not exceed the total amount of fees actually paid by the affected client to the Company during the twelve months immediately preceding the events giving rise to liability claims.
This limitation applies regardless of the legal theory or cause of action upon which claims may be based, including but not limited to breach of contract, professional negligence, misrepresentation, breach of fiduciary duty, violation of statutory requirements, or any other legal theory that may be asserted by clients or third parties. The limitation encompasses all forms of damages, relief, or compensation that may be sought, including monetary damages, injunctive relief, restitution, and any other remedies that may be available under applicable law.
The Company's liability limitations are designed to reflect the inherent uncertainties associated with insurance advocacy services, the involvement of numerous third parties whose actions affect outcomes, the relatively modest fees charged for professional services compared to potential claim values, and the need to maintain financially viable business operations that enable the Company to serve client interests effectively over time.
Clients acknowledge that these liability limitations are reasonable and necessary considerations in the Company's decision to provide professional services and represent an appropriate allocation of risk between the parties given the nature of insurance advocacy services and the factors affecting claim outcomes that are beyond the Company's control.
The Insurance Bar shall not be liable under any circumstances for indirect, incidental, special, consequential, or punitive damages, regardless of whether such damages were foreseeable or whether the Company has been advised of the possibility of such damages. This exclusion applies to all claims and causes of action and encompasses damages including but not limited to lost profits, business opportunities, or investment returns that clients might have achieved with different insurance claim outcomes, emotional distress, mental anguish, pain and suffering, or other intangible injuries that may result from insurance disputes or claim outcomes.
Damage to reputation, professional standing, or business relationships that may result from insurance claim outcomes or advocacy strategies, costs of obtaining substitute professional services from other providers, punitive or exemplary damages designed to punish or deter particular conduct, and any other losses that are not directly and proximately caused by the Company's breach of specific professional obligations clearly established under applicable law and professional standards.
This exclusion of consequential and indirect damages reflects the reality that insurance claim outcomes depend on numerous complex factors beyond the Company's control and that clients must assume responsibility for the broader consequences of their insurance coverage decisions, claim circumstances, and strategic choices made during the advocacy process. The Company's liability is appropriately limited to direct damages that are proximately caused by clear breaches of professional obligations rather than the myriad indirect consequences that may flow from insurance disputes and claim outcomes.
Clients acknowledge that insurance claims often involve significant financial, emotional, and practical consequences that extend far beyond the scope of professional advocacy services, and that holding advocacy service providers liable for all such consequences would make it impractical to provide affordable professional services to insurance consumers who need advocacy assistance.
Clients acknowledge that they have the primary responsibility to take reasonable steps to mitigate any damages or losses that may result from insurance claim outcomes, professional service limitations, or other circumstances affecting their interests. This mitigation responsibility includes maintaining appropriate insurance coverage to protect against potential losses, implementing reasonable business and personal financial planning to address insurance claim uncertainties, seeking timely professional advice regarding insurance matters and claim strategies, and taking reasonable steps to protect their interests when advocacy efforts do not achieve desired outcomes.
The Company's liability, if any, shall be reduced by the amount of damages that could have been avoided through reasonable mitigation efforts by clients, and clients agree to cooperate with the Company in identifying and implementing appropriate mitigation strategies when potential problems or adverse outcomes are identified during the advocacy process.
Clients acknowledge that effective advocacy requires their active participation, cooperation, and decision-making throughout the process, and that their failure to fulfill these responsibilities may contribute to adverse outcomes or limit the Company's ability to provide effective representation. The Company's liability shall be reduced or eliminated to the extent that client conduct, decisions, or failure to cooperate contributes to damages or losses for which compensation is sought.
Professional Competence and Standard of Care
The Insurance Bar is committed to providing professional services that meet or exceed applicable standards of competence, diligence, and professional conduct within the insurance advocacy field. However, the Company expressly disclaims any warranties or guarantees that its services will achieve specific outcomes, meet all client expectations, or satisfy standards that may be different from those generally applicable to insurance advocacy services in the relevant professional community.
Professional competence in insurance advocacy involves the application of specialized knowledge, skills, and experience to complex and often unprecedented factual and legal circumstances that may not have clear precedents or established solutions. The Company acknowledges that reasonable professionals may disagree regarding appropriate strategies, legal interpretations, or tactical decisions in particular cases, and that professional judgment involves inherent uncertainties and subjective elements that cannot be reduced to mechanical applications of rules or procedures.
The Company's professional standard of care is limited to exercising the degree of skill, knowledge, and care that would be exercised by competent professionals providing similar services under similar circumstances, rather than guaranteeing specific results or outcomes that depend on factors beyond professional control. Clients acknowledge that meeting professional standards does not guarantee favorable outcomes and that competent professionals may achieve different results in similar cases due to variables that affect insurance claim outcomes.
The Company specifically disclaims any responsibility to achieve outcomes that would require extraordinary measures, unreasonable costs, violation of legal or ethical standards, or assumption of risks that are not justified by potential benefits to client interests. Professional competence includes the exercise of appropriate professional judgment regarding the allocation of resources, selection of strategies, and assessment of risks and benefits associated with various advocacy approaches.
The Company operates in a complex regulatory environment involving multiple overlapping legal frameworks including insurance regulation, consumer protection laws, data privacy requirements, professional service standards, and other applicable legal requirements that may affect its business operations and service delivery capabilities. The Company is committed to maintaining compliance with all applicable legal requirements but expressly disclaims any warranties or guarantees regarding the completeness or accuracy of its understanding of all applicable legal requirements or its ability to predict future legal developments that may affect its operations or client interests.
Legal and regulatory requirements in the insurance field are subject to frequent changes through legislative action, regulatory rulemaking, court decisions, and agency interpretation that may affect the Company's business operations, service delivery methods, or client relationships. The Company endeavors to monitor legal developments and adapt its practices accordingly, but cannot guarantee that all changes will be identified and implemented immediately or that its interpretation of new requirements will align with subsequent official guidance or enforcement actions.
The Company specifically disclaims responsibility for legal or regulatory changes that may affect client interests, advocacy strategies, or claim outcomes after professional services have been provided, and clients acknowledge that they bear primary responsibility for understanding and complying with legal requirements that may apply to their own conduct, business operations, or insurance-related decisions.
Clients acknowledge that the Company's regulatory compliance efforts are designed to protect its ability to continue providing professional services rather than to guarantee specific outcomes or protections for individual clients, and that regulatory compliance may sometimes require actions or decisions that do not align with short-term client preferences but are necessary for long-term business sustainability and continued service availability.
The Insurance Bar maintains comprehensive policies and procedures designed to identify, evaluate, and manage potential conflicts of interest that could compromise its ability to provide independent and effective advocacy services to clients. However, the Company expressly disclaims any warranties or guarantees that all potential conflicts can be identified in advance or that conflict management procedures will eliminate all risks of compromised advocacy or divided loyalties.
Professional ethics in insurance advocacy involve complex judgments regarding client confidentiality, professional independence, allocation of resources among multiple clients, and balancing of competing interests that may not have clear or predetermined solutions. The Company acknowledges that ethical obligations may sometimes conflict with client preferences or expectations and that professional ethical requirements take precedence over client instructions when conflicts arise.
The Company specifically disclaims responsibility for client dissatisfaction that may result from ethical constraints on advocacy strategies, professional obligations that limit the Company's ability to pursue particular tactical approaches, confidentiality requirements that prevent disclosure of information that clients believe would be helpful to their cases, and professional independence requirements that prevent the Company from accepting client direction regarding matters that are within professional discretion.
Clients acknowledge that professional advocacy services are subject to ethical constraints and professional obligations that are designed to protect the integrity of the advocacy process and maintain public confidence in professional services, and that these constraints may sometimes limit the range of advocacy approaches that can be pursued on behalf of individual clients.
Natural Disasters and Catastrophic Events
The Insurance Bar disclaims any liability for delays, interruptions, or inability to provide professional services that result from natural disasters, catastrophic events, or other extraordinary circumstances beyond the Company's reasonable control. Such events may include earthquakes, floods, hurricanes, wildfires, or other natural disasters that affect the Company's facilities, personnel, or technology systems, pandemics, epidemics, or public health emergencies that require modification of business operations or impose restrictions on professional activities, terrorist attacks, acts of war, civil unrest, or other security threats that affect the Company's ability to operate normally or safely.
The Company implements reasonable contingency planning and business continuity procedures designed to minimize service disruptions during extraordinary circumstances, but cannot guarantee normal service levels when external events significantly affect business operations, technology infrastructure, or personnel availability. Clients acknowledge that extraordinary circumstances may require temporary suspension of services, modification of service delivery methods, or other adaptations that could affect advocacy timelines or effectiveness.
The Company will endeavor to provide prompt notification of service disruptions and will resume normal operations as quickly as reasonably possible following resolution of extraordinary circumstances. However, the Company disclaims liability for any adverse consequences that may result from service delays or modifications necessitated by extraordinary circumstances, including missed deadlines, lost advocacy opportunities, or claim outcomes that may be affected by timing considerations.
Clients are encouraged to maintain their own contingency plans for dealing with extraordinary circumstances and to consider the potential impact of such events on their insurance claims and advocacy timelines. The Company will work cooperatively with clients to minimize the adverse effects of extraordinary circumstances but cannot guarantee that such events will not affect advocacy outcomes or client interests.
The Company's operations depend significantly on technology systems for communication, case management, research, document preparation, and other essential business functions. The Company disclaims liability for service disruptions, data loss, or other adverse consequences that may result from technology failures, cyber security incidents, or other technology-related problems beyond its reasonable control, including hardware failures, software malfunctions, network connectivity problems, cyber attacks, data breaches, or malicious software incidents that may affect the Company's technology systems or those of essential service providers.
The Company implements comprehensive cyber security measures and technology management procedures designed to minimize the risk of technology-related disruptions, but acknowledges that determined adversaries and sophisticated technology threats may overcome even advanced security measures. Clients acknowledge that they share responsibility for protecting their own technology systems and maintaining appropriate security practices in their digital interactions with the Company.
Technology-related disruptions may affect the Company's ability to communicate with clients, access case files and research materials, meet deadlines or procedural requirements, coordinate with third parties involved in client advocacy efforts, and maintain normal business operations that are essential for effective advocacy services. The Company will implement appropriate recovery procedures and will work diligently to minimize the duration and impact of technology-related disruptions.
The Company specifically disclaims liability for cyber security incidents that may result in unauthorized access to client information, technology failures that may result in loss of case files or other important documents, communication disruptions that may affect advocacy timelines or coordination with third parties, and any other technology-related problems that may affect client interests but are beyond the Company's reasonable control despite implementation of appropriate security and management procedures.
The Company's business operations and service delivery capabilities may be significantly affected by government actions, regulatory changes, or legal developments that alter the regulatory environment for insurance advocacy services, impose new requirements or restrictions on professional service providers, affect the procedures or standards applicable to insurance claims and dispute resolution, or otherwise impact the Company's ability to provide effective advocacy services to clients.
Such government actions may include changes in insurance regulations that affect advocacy procedures or client rights, new professional service requirements that necessitate modifications to business operations, court decisions that alter legal standards applicable to insurance claims or professional services, emergency orders or regulations that restrict business operations or professional activities, and other governmental actions that may affect the insurance industry or professional service providers.
The Company monitors legal and regulatory developments and endeavors to adapt its operations and service delivery methods to comply with changing requirements, but disclaims liability for adverse consequences that may result from government actions or regulatory changes that affect client interests, advocacy strategies, or claim outcomes. Clients acknowledge that they bear primary responsibility for understanding and adapting to legal and regulatory changes that may affect their insurance claims or advocacy needs.
The Company specifically disclaims responsibility for advocacy delays or modifications necessitated by changing legal requirements, increased costs or reduced service availability resulting from new regulatory burdens, changes in advocacy strategies required by evolving legal standards, and any other consequences of government actions or regulatory changes that may affect client interests but are beyond the Company's influence or control.
This Disclaimer Policy constitutes an integral part of the Company's Terms of Use, Terms and Conditions, and Terms of Service, and should be read in conjunction with those documents to understand the complete legal framework governing relationships between the Company and its clients, website users, and other parties. All disclaimers, limitations, and conditions set forth in this Disclaimer Policy are cumulative and supplementary to similar provisions contained in other Company documents, and no disclaimer or limitation contained herein should be construed as superseding or limiting other protective provisions that may be applicable to particular relationships or circumstances.
In the event of conflicts or inconsistencies between this Disclaimer Policy and other Company documents, the most specific applicable provision shall control, with service-specific disclaimers taking precedence over general disclaimers for matters involving professional service relationships, and general disclaimers applying to matters not specifically addressed in service-specific documents.
The Company reserves the right to modify, update, or supplement this Disclaimer Policy at any time to reflect changes in applicable law, business practices, service offerings, risk assessments, or other factors that may affect the appropriate scope of disclaimers and limitations. Such modifications will be effective immediately upon posting updated versions on the Company's website, and continued use of Company services or website following modifications constitutes acceptance of updated disclaimer provisions.
By accessing the Company's website, engaging its professional services, or maintaining any business relationship with the Company, clients and users acknowledge that they have read, understood, and agreed to be bound by all disclaimers, limitations, and conditions set forth in this Disclaimer Policy. Such acknowledgment constitutes informed consent to the allocation of risks and responsibilities established herein and waiver of any claims that disclaimer provisions were not properly presented, explained, or understood.
Clients specifically acknowledge that they understand the inherent uncertainties associated with insurance claim outcomes, the limitations of professional advocacy services in controlling third-party decisions and actions, the importance of maintaining appropriate insurance coverage and financial planning to address potential adverse outcomes, and their own responsibilities for making informed decisions regarding insurance matters and advocacy strategies based on their individual circumstances, risk tolerance, and professional advice.
This Disclaimer Policy becomes effective on 01/12/2025 and shall remain in effect until superseded by updated disclaimer provisions. Questions regarding this Disclaimer Policy should be directed to:
RPKA Technologies Private Limited
205, Samruddhi Complex, opposite Sakar III, near Income Tax crossroads, Navrangpura, Ahmedabad 380009
Email: support@theinsurancebar.com
Phone: +91-9227007875
RPKA Technologies Private Limited is not regulated by IRDAI and does not engage in insurance business activities. All services are limited to legal consultation and advocacy related to existing insurance policies and claims.
Last Updated: 01/12/2025
Effective Date: 01/12/2025
By continuing to use our services or website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer Policy in its entirety.
