Terms & Conditions

Last updated: October 2026

This is a standard terms & conditions template appropriate for an insurance and loan advisory business. We recommend having it reviewed by a legal professional before the site goes live.

Acceptance of Terms

By using this website, you agree to these terms and conditions. If you do not agree, please do not use the site or submit the contact form.

Nature of Our Services

VRAM Enterprise acts as an insurance and loan advisory intermediary, helping you compare products from our partner insurers, banks, and NBFCs. We do not underwrite insurance policies or issue loans directly — those are provided by our partner companies, subject to their own terms and approval process.

No Guarantee of Approval

Submitting an enquiry through this website does not guarantee approval of any insurance policy or loan application. Final approval, pricing, and terms are determined by the relevant insurer or lender.

Accuracy of Information

You agree to provide accurate and complete information when using our contact form or discussing your requirements with us. Inaccurate information may affect quotes, approvals, or claims.

Third-Party Terms

Any policy or loan you take out through our assistance will be governed by the terms and conditions of the relevant insurer or lender, in addition to these terms.

Intellectual Property

All content on this website, including text, graphics, and the VRAM Enterprise logo, is the property of VRAM Enterprise unless otherwise noted, and may not be reproduced without permission.

Limitation of Liability

VRAM Enterprise is not liable for any indirect or consequential loss arising from the use of this website or reliance on information provided here. Insurance and loan decisions should be made after reviewing the relevant policy or loan documents provided by the insurer or lender.

Governing Law

These terms are governed by the laws of India, with courts in Maharashtra having jurisdiction over any disputes.

Changes to These Terms

We may update these terms from time to time. Continued use of the website after changes are posted constitutes acceptance of the updated terms.

Contact Us

Questions about these terms can be directed to v.ramenterprise@gmail.com or +91 79773 50455.