Terms of Use

Last updated: August 2026

These Terms of Use govern your use of Insurance Life Galaxy (this website). By using this site, you agree to these terms. If you don’t agree, please don’t use the site.

1. Educational content

All content on this site — articles, guides, and calculator tools — is provided for general educational purposes about life insurance and financial protection. It is not personalised financial, legal, tax, or insurance advice, and should not be relied on as the sole basis for any decision. See our Disclaimer for more detail.

2. Calculator limitations

The calculators on this site produce estimates based on simplified, disclosed methodologies and the figures you enter. They are not insurance quotations, underwriting decisions, or guarantees of coverage or pricing. Actual insurance products, premiums, and terms are determined by individual insurers through their own underwriting process. Full detail on each calculator’s assumptions is shown alongside its results.

3. Intellectual property

The text, design, calculator methodology explanations, and other original content on this site are the property of Insurance Life Galaxy / Rukmangad Devpunje, unless otherwise credited. You may read and share links to this content for personal, non-commercial use. Reproducing, republishing, or distributing substantial portions of this site’s content without permission is not permitted.

4. External links

This site may link to third-party websites (for example, insurer sites or reference sources) for your convenience. We don’t control those sites and aren’t responsible for their content, accuracy, or privacy practices. Visiting a linked site is at your own discretion.

5. No warranty

This site and its content are provided “as is,” without warranties of any kind, express or implied, including as to accuracy, completeness, or fitness for a particular purpose. Insurance-related information, regulations, and products can change; we don’t guarantee that content is always current.

6. Limitation of liability

To the fullest extent permitted by law, Insurance Life Galaxy and its operator are not liable for any loss or damage arising from your use of, or reliance on, this site’s content or calculator results, including decisions made based on calculator estimates.

7. Changes to content and these terms

We may update site content, calculators, or these Terms of Use at any time without prior notice. Continued use of the site after changes are posted means you accept the updated terms.

8. Governing law

These terms are governed by the laws of India. [Specific jurisdiction/court details to be added if required.]

9. Contact

Questions about these Terms of Use can be sent to ajaydevpunje@gmail.com.