Terms &
Conditions

About these terms

These Terms and Conditions (the “Terms”) form a binding agreement between you and GreenLife Insurance Broking Private Limited (“GIBL”, “we”, “us” or “our”) regarding your access to and use of https://plutohq.co/, the Pluto Insurance brand, and related digital services (together, the “Platform”).

By visiting or using the Platform, requesting a quote, creating an account, submitting information, or applying for an insurance product through the Platform, you confirm that you have read and accepted these Terms. If you do not agree, please do not use the Platform.

Operating entity

GreenLife Insurance Broking Private Limited

IRDAI registration

450

License code

DB 482/10

License category

Direct (General & Life)

License validity

27 May 2025–26 May 2028

Principal Officer

Mr. Siddarth Raj

Our role and services

GIBL is an insurance broker registered with the Insurance Regulatory and Development Authority of India (IRDAI). Through Pluto Insurance, we may help you discover, understand, compare, apply for, purchase, renew, or obtain servicing support for insurance products offered by participating insurers.

We act as an intermediary. Insurance products are offered, underwritten, and issued by the relevant insurer. The insurer alone decides whether to accept a proposal, on what terms to issue a policy, and how a claim will be assessed and settled, subject to the policy wording and applicable law.

Insurance is the subject matter of solicitation. Product availability may vary by location, eligibility, insurer appetite, distribution arrangement, and other criteria.

Eligibility and authority

You may use the Platform only if you are legally capable of entering into a binding contract under applicable law. If you use the Platform on behalf of another person or an organisation, you confirm that you are authorised to provide their information and bind them to these Terms where permitted.

Some products or services may have additional eligibility requirements imposed by an insurer or by law. You are responsible for checking and satisfying those requirements.

Information, comparisons and recommendations

Product details, premiums, illustrations, benefits, exclusions, comparisons, and other information displayed on the Platform may be supplied by insurers or other third parties. We take reasonable steps to present this information accurately, but it may change and may not always be complete, current, or free from error.

A quote or comparison is indicative unless expressly stated otherwise. It is not a policy, guarantee of cover, or confirmation that an insurer will accept your proposal. Before buying, you should review the insurer's official product brochure, benefit illustration, proposal form, policy wording, exclusions, waiting periods, and other applicable documents.

You remain responsible for deciding whether a product is suitable for your needs. If anything is unclear, contact us or the relevant insurer before proceeding.

Your information, account and security

You agree to provide information that is true, complete, accurate, and current. Insurance contracts rely on full and honest disclosure; incomplete or incorrect information may affect underwriting, policy validity, benefits, or claims.

If you create an account, you are responsible for keeping your login credentials and one-time passwords confidential and for activity carried out through your account. Tell us promptly if you suspect unauthorised access or misuse.

Our collection and handling of personal information is governed by our Privacy Policy and applicable law. We may share information with insurers and service providers when necessary to provide the services you request, carry out regulatory checks, prevent fraud, or meet legal obligations.

Responsible use

You must use the Platform lawfully and only for its intended purposes. You must not:

• Submit false, misleading, fraudulent, or unauthorised information.
• Impersonate another person or misrepresent your authority or identity.
• Interfere with the Platform, its security, or any connected system or network.
• Introduce malicious code, attempt unauthorised access, scrape the Platform at scale, or bypass technical restrictions.
• Copy, resell, commercially exploit, or create derivative services from the Platform except with our written permission or use the Platform in a way that infringes another person's rights or violates any applicable law or regulation.

You are responsible for loss or damage arising from your unlawful or unauthorised conduct, subject to applicable law.

Electronic communications

When you provide contact details or request our services, you authorise us and, where necessary, participating insurers or service providers to communicate with you about your enquiry, quote, application, policy, renewal, claim, service request, or transaction through email, telephone, SMS, WhatsApp, in-app message, or other lawful channels.

Service and transaction messages may be necessary to complete your request. Marketing communications will be handled in accordance with applicable consent and preference requirements. You may opt out of eligible marketing messages using the method stated in the message or by contacting us.

Premiums, payments, policy issuance and refunds

Where the Platform enables payment, premium payments are collected for and transferred to the insurer through authorised payment channels. Payment by you does not by itself guarantee policy issuance. Cover begins only in accordance with the insurer's acceptance, policy schedule, and applicable policy terms.

The insurer may request further documents, information, medical examinations, inspections, or verification before making an underwriting decision. GIBL does not control that decision or the time required by the insurer.

If a proposal is declined, cancelled, or otherwise eligible for a refund, the refund will be processed in accordance with the insurer's rules, the payment method, the policy terms, and applicable law. We may assist with coordination, but timing ultimately depends on the insurer, payment service provider, and banking channels.

Policy cancellation, free-look rights, premium deductions, and claim payments are governed by the insurer's policy documents and applicable regulations.

Third-party services and links

The Platform may contain links to or integrations with insurers, payment providers, identity-verification providers, medical networks, assistance providers, and other third parties. Their services are governed by their own terms and privacy practices.

We do not control third-party websites or systems and are not responsible for their availability, content, security, or practices. A link or integration does not imply endorsement beyond the relevant service arrangement.

Intellectual property

The Platform and its original content, design, software, graphics, branding, and other materials are owned by or licensed to GIBL and are protected by applicable intellectual-property laws. Insurer names, product names, and marks belong to their respective owners.

We grant you a limited, revocable, non-exclusive, non-transferable right to access and use the Platform for your personal, lawful use. No other right or licence is granted. You may not reproduce, modify, distribute, publish, transmit, display, sell, or commercially exploit Platform materials without prior written permission from the relevant owner.

Availability and disclaimers

To the extent permitted by law, the Platform is provided on an “as is” and “as available” basis. We do not guarantee that it will always be uninterrupted, secure, error-free, or suitable for every purpose, or that every defect will be corrected immediately.

No information on the Platform changes or replaces an insurer's policy wording, underwriting requirements, or decision. If Platform information conflicts with a policy document issued by an insurer, the insurer's policy document will prevail in relation to that insurance cover.

Nothing in these Terms excludes a right, remedy, guarantee, or liability that cannot lawfully be excluded.

Limitation of liability

To the maximum extent permitted by law, GIBL and its directors, officers, employees, and agents will not be liable for indirect, incidental, special, punitive, or consequential loss arising from use of or inability to use the Platform, reliance on third-party information, downtime, data loss, or an insurer's underwriting or claims decision.

Where liability cannot be excluded, it will be limited to the extent permitted by applicable law. These limitations do not apply to fraud, wilful misconduct, gross negligence, or any other liability that cannot lawfully be limited.

Indemnity

To the extent permitted by law, you agree to indemnify GIBL and its directors, officers, employees, and agents against third-party claims, losses, costs, and expenses arising from your material breach of these Terms, violation of law, infringement of another person's rights, or unauthorised misuse of the Platform.

Suspension or termination

We may restrict, suspend, or terminate access to all or part of the Platform where reasonably necessary for security, maintenance, legal or regulatory compliance, suspected fraud or abuse, or a material breach of these Terms. Where appropriate and legally permitted, we will provide notice.

Termination of Platform access does not cancel or alter an insurance policy already issued by an insurer. Any such policy continues to be governed by its own terms.

Changes to the Platform or these Terms

We may update the Platform and these Terms from time to time to reflect changes in our services, business practices, technology, or legal and regulatory requirements. The updated date shown at the top of this page indicates when these Terms were last revised.

Material changes will be communicated where required by law. Your continued use of the Platform after updated Terms take effect constitutes acceptance of those Terms.

Governing law and jurisdiction

These Terms are governed by the laws of India. Subject to any mandatory consumer forum or other jurisdiction provided by applicable law, disputes relating to these Terms or the Platform will be subject to the courts at Kolkata, West Bengal.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in effect. Our failure to enforce a provision is not a waiver of that provision.

Contact us

For questions about these Terms or assistance with the Platform, contact: