1. Introduction

Welcome to www.mutualglobal.com, the official website of Mutual Global Insurance Broking Pvt. Ltd., registered and licensed under the Insurance Regulatory and Development Authority of India (IRDAI) as a Direct (General & Life) Insurance Broker. By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please do not use this website.

2. Use of the Website

• The content on this website is for general informational purposes only and should not be treated as professional advice or an offer to sell, solicit, or recommend any insurance product.
• You agree to use the website only for lawful purposes and in a manner that does not infringe upon the rights of, or restrict the use of, this site by any other person.
• You are responsible for ensuring your access to the site complies with all applicable laws and regulations.

3. User Account & Login Terms

• Certain sections of this website or related platforms may require you to create an account or log in to access personalized services or client information.
• You agree to provide accurate, complete, and current information while creating your account.
• You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
• You must immediately notify Mutual Global Insurance Broking Pvt. Ltd. if you suspect any unauthorized use of your account or breach of security.
• The company may suspend or terminate accounts involved in fraud, misuse, or violation of these Terms.

4. Intellectual Property Rights

All materials on this website—including text, graphics, logos, images, icons, software, and layout—are the property of Mutual Global Insurance Broking Pvt. Ltd. unless otherwise noted. Reproduction, modification, distribution, transmission, or commercial use of any content without written consent is strictly prohibited.

5. Accuracy of Information

While we strive to ensure that all content is accurate and current, Mutual Global Insurance Broking Pvt. Ltd. makes no representations or warranties about the completeness, reliability, or accuracy of the information. Any reliance you place on the material on this website is strictly at your own risk.

6. Third-Party Links

This website may contain links to other third-party websites for your convenience. However, Mutual Global Insurance Broking Pvt. Ltd. does not control or endorse these external sites and is not responsible for their content, products, services, or privacy policies. Visiting such sites is at your own discretion.

7. Limitation of Liability

Under no circumstances shall Mutual Global Insurance Broking Pvt. Ltd., its directors, employees, or affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from:

• The use or inability to use the website;
• Errors, interruptions, or technical issues;
• Viruses or harmful components;
• Unauthorized access to or alteration of user data.

All content and services are provided “as is” without warranties of any kind.

8. Indemnification

You agree to indemnify and hold harmless Mutual Global Insurance Broking Pvt. Ltd., its directors, officers, and employees from any and all claims, liabilities, damages, and expenses (including legal fees) arising from your use of this website or violation of these Terms.

9. Privacy Policy

Your use of this website is also governed by our Privacy Policy and Disclaimer, which explain how we collect, use, and protect your personal data. By using this site, you consent to such data collection and use.

10. Communication & Email Disclaimer

Any communication or information shared through the website or email is confidential and intended solely for the addressed recipient. Mutual Global Insurance Broking Pvt. Ltd. is not responsible for unauthorized access, alteration, or misuse of transmitted data or communication delays due to internet issues.

11. No Guarantee or Warranty

Mutual Global Insurance Broking Pvt. Ltd. provides this website on an “as available” basis and expressly disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

12. Governing Law and Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of India. All disputes are subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra, India.

13. Changes to the Terms

Mutual Global Insurance Broking Pvt. Ltd. reserves the right to modify or update these Terms at any time without prior notice. Any changes will be effective immediately upon posting on the website.