Terms & Conditions

Last Updated: November 02, 2026 • Non-Commercial Educational Charter

Welcome to PolicyMaturity.in. By accessing, browsing, or utilizing any of the calculators, tools, illustrations, or informational guides on this website, you agree to comply with and be bound by the following Terms & Conditions.

1. Service Description — Educational Portal (No Policy Sales)

PolicyMaturity.in is an independent, non-commercial financial education and calculation utility. The portal provides open-access calculators, premium estimations, maturity simulations, and analytical articles on life insurance plans offered by the Life Insurance Corporation of India (LIC).

Zero Commercial Sales: This website does NOT sell policies, broker insurance contracts, collect insurance applications, or solicit commercial business. Access to all calculation tools is completely free, with no registration, no user account, and no payment required.

This website is authored and operated by Dinesh Pambra (IRDAI Reg: IRDA/DB/LI/HP/190702/2019, Agency Code: 1190702) in an independent educational capacity. This website is NOT an official property of, nor affiliated with, Life Insurance Corporation of India.

2. No Financial Transactions or Payment Collection

PolicyMaturity.in will NEVER request payments, bank transfers, credit/debit card numbers, UPI transfers, or policy renewal fees from users. All tools on this site are 100% free of charge.

You must never transfer money or provide financial login credentials to anyone claiming to represent PolicyMaturity.in for policy issuance, premium collection, or claim settlement. All legitimate insurance payments must be made directly to official LIC channels (via licindia.in or authorized branch cash counters).

3. Permitted Personal & Non-Commercial Use

You are granted a limited, revocable, non-exclusive license to use the calculators on PolicyMaturity.in for your personal financial planning, family milestone budgeting, and educational research.

You agree NOT to:

Scrape, crawl, or harvest calculator data or rate tables using automated bots or headless browsers without prior written authorization.
Attempt to reverse-engineer, decompile, or redistribute the proprietary calculation scripts or backend classes.
Frame, mirror, or repackage any part of this website for commercial resale or lead-generation arbitrage.
Misrepresent yourself as affiliated with PolicyMaturity.in or Dinesh Pambra.

4. Mathematical Accuracy & Informational Scope

The calculations generated by PolicyMaturity.in are based on official published tabular rates, standard modal loading factors (yearly, half-yearly, quarterly, monthly), and latest IRDAI surrender value frameworks.

However, calculations are simulations for illustrative purposes. Actual policy premiums, bonus declarations, and final claim payments are determined solely by the Life Insurance Corporation of India (LIC) in accordance with official policy bonds, medical underwriting findings, and annual actuarial valuations.

5. Intellectual Property Rights

All website design, customized calculator logic, responsive styling, analytical commentary, and original human articles published on PolicyMaturity.in are the intellectual property of PolicyMaturity.in and its creator, Dinesh Pambra.

Trademarks, plan names (e.g., Jeevan Labh, Jeevan Anand, Jeevan Umang, Bima Jyoti), logos, and regulatory symbols of the Life Insurance Corporation of India (LIC) belong exclusively to LIC and are used on this site solely under nominative fair use for identification and educational comparison.

6. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of India. Any legal disputes arising out of or related to the use of this website shall be subject to the exclusive jurisdiction of the competent courts in Kangra, Himachal Pradesh, India.

7. Contact Information

If you have questions regarding these Terms & Conditions or wish to report a mathematical calculation discrepancy, please contact our editorial desk at:

Email: [email protected]
LinkedIn: Dinesh Pambra — Professional Profile