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Terms & Conditions

Welcome to Neo Hub powered by Neos Variety Hub (“we”, “our”, “us”). By accessing or using our website and services, you agree to comply with these Terms & Conditions (“Terms”). If you do not agree, please do not use our services.

1. Definitions

  • “Services” means insurance solutions, risk & wealth management, claims assistance, and portfolio management provided by us.
  • “User”, “You”, “Your” means any person accessing our website or using our services.
  • “PB Partners” refers to Policybazaar Insurance Broker Pvt. Ltd., with whom we are a registered partner (IP Code – 320774).

2. Eligibility

  • You must be at least 18 years of age and legally capable of entering into a binding contract under Indian law.
  • By using our services, you confirm that all information provided by you is true, accurate, and complete.

3. Scope of Services

  • We provide advisory and facilitation services in insurance, wealth management, claims support, and portfolio management.
  • Insurance products are offered through PB Partners, a brand of Policybazaar Insurance Broker Pvt. Ltd., with whom we are registered.
  • Final decisions regarding acceptance, rejection, pricing, and terms of insurance policies are made by the respective insurers, not by us.

4. User Responsibilities

  • You agree to provide correct and updated information while using our services.
  • You are solely responsible for reviewing policy documents, terms, and conditions of the insurance provider before purchase.
  • You agree not to misuse our website or services in any unlawful manner.

5. Payments & Fees

  • Premiums and charges for insurance products are payable directly to the insurer, as per their terms.
  • Any advisory or facilitation fee (if applicable) will be disclosed transparently before availing services.

6. Limitation of Liability

  • We act as a facilitator and advisor. We are not liable for the performance of any insurance product, claim settlement decision, or actions of third-party insurers.
  • While we strive for accuracy, we do not warrant that the website or its content will always be error-free, uninterrupted, or secure.
  • To the maximum extent permitted by law, we disclaim liability for any direct, indirect, or consequential loss arising from your use of our services.

7. Intellectual Property

  • All logos, trademarks, and content on this website belong to Neo Hub, Neos Variety Hub, PB Partners, or their licensors.
  • You may not copy, reproduce, or distribute content without prior written consent.

8. Third-Party Links

Our website may include links to third-party websites (such as insurance providers). We are not responsible for their content, terms, or privacy practices.

9. Privacy

Use of our services is also governed by our Privacy Policy, which describes how we collect and use your personal data.

10. Termination

We reserve the right to suspend or terminate your access to our services at our sole discretion, without prior notice, if we believe you have violated these Terms.

11. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes shall be subject to the exclusive jurisdiction of the courts in Kerala.

12. Changes to Terms

We may update these Terms from time to time. Updates will be posted on this page, and continued use of our services will mean you accept the revised Terms.