Term & Conditions

Last Updated: September 23, 2026

Welcome to the website of   R Square Financial   (“R Square Financial”, “we”, “us”, or “our”). By accessing or using this website, you agree to comply with and be bound by these Terms & Conditions (“Terms”).

If you do not agree with any part of these Terms, please do not use this website.

These Terms apply to your use of   https://rsquarefinancial.com/   and all pages, content, forms, information and services made available through the website.

1. About R Square Financial

R Square Financial provides information and assistance relating to financial and insurance products and services, including areas such as:

  • Life Insurance
  • Health Insurance
  • Group Health Insurance
  • Mutual Funds
  • Financial Planning
  • Insurance-related assistance and support
  • Insurance claim assistance and related customer services

The services and products available to a customer may vary depending on eligibility, requirements, product availability, insurer or financial product provider terms, and applicable laws and regulations.

2. Acceptance of These Terms

By accessing, browsing or using this website, you acknowledge that:

  1. You have read and understood these Terms.
  2. You agree to comply with these Terms and applicable laws.
  3. Information submitted by you through this website is provided voluntarily and should be accurate and complete.
  4. Your use of this website does not by itself create an insurance contract, investment contract, advisory relationship, agency relationship or any other contractual relationship unless separately agreed or established through the applicable documentation and process.

3. Nature of Information Provided

The information published on this website is intended primarily for general informational and educational purposes.

Information relating to insurance plans, financial products, mutual funds, benefits, features, premiums, returns, eligibility, exclusions, claim procedures or other financial matters may change from time to time.

The actual terms applicable to any insurance policy or financial product are governed by the relevant policy document, application documents, scheme-related documents, agreements and the terms issued by the respective insurer, fund house, financial institution or product provider.

In case of any difference between information displayed on this website and the official product or policy documentation, the applicable official documentation shall prevail.

4. No Guarantee of Financial Returns

Information provided on this website should not be interpreted as a guarantee of returns, profits, savings or financial outcomes.

Past performance, examples, illustrations or historical information, where provided, should not be considered a guarantee or indication of future performance.

Where mutual funds or other market-linked investment products are discussed, investors should understand that such investments are subject to market risks and that there can be no assurance that investment objectives will be achieved.

Users should carefully review the relevant product documentation and understand the associated risks before making any financial decision.

5. Insurance Products

Insurance products are subject to the terms, conditions, exclusions, limitations, underwriting requirements and eligibility criteria specified by the respective insurer.

Coverage is available only in accordance with the terms of the applicable insurance policy.

The availability, premium, sum assured, benefits, exclusions, eligibility and acceptance of an insurance proposal are determined according to the applicable insurer’s underwriting process and policy terms.

Submission of an enquiry or request through this website does not constitute acceptance of an insurance proposal or confirmation of coverage.

6. Mutual Funds and Investment Products

Any information relating to mutual funds or investment products is provided for general informational purposes.

Investment decisions should be made after reviewing the relevant scheme information, offer documents, risk factors, applicable disclosures and other official documentation.

Market-linked investments involve risk, and the value of investments may rise or fall.

R Square Financial does not guarantee any particular investment return unless such guarantee is expressly provided under an applicable legally valid product or contractual document.

7. Third-Party Products and Providers

R Square Financial may provide information or assistance relating to products offered by third-party insurers, asset management companies, financial institutions or other service providers.

Examples of providers or insurers referenced on the website may include LIC, HDFC Life, ICICI Prudential, SBI Life, Star Health and other providers, depending on the service or product.

R Square Financial does not control the policies, product terms, underwriting decisions, pricing, claims decisions, investment performance or internal processes of independent third-party providers.

Customers should review the official documents and terms issued by the relevant product provider before purchasing or investing.

8. No Automatic Contractual Relationship

Submitting a contact form, enquiry, callback request, email, telephone number or other information through this website does not automatically create a contractual relationship between you and R Square Financial.

Any engagement, service arrangement, financial product, insurance policy or investment relationship will be subject to the applicable documentation, terms and regulatory requirements.

9. Website Enquiries and Communication

When you submit information through our website, you agree that R Square Financial may contact you using the contact information provided by you for purposes related to your enquiry, requested services, products or assistance.

You are responsible for ensuring that the information submitted by you is accurate and belongs to you or that you have the necessary authority to provide it.

We may contact you by telephone, email, SMS, messaging services or other appropriate communication channels, subject to applicable laws and communication preferences.

10. Accuracy of Information

We make reasonable efforts to maintain accurate and current information on the website. However, we do not guarantee that every item of information will always be complete, accurate, current or free from errors.

Financial products, insurance products, regulatory requirements, premiums, features, eligibility criteria and other information may change without prior notice.

You should verify important information with the relevant insurer, financial institution, fund house or authorised provider before making a decision.

11. Website Availability

We aim to keep the website available and functioning properly. However, we do not guarantee uninterrupted, continuous or error-free access.

The website may occasionally be unavailable due to:

  • Maintenance
  • Technical issues
  • Server problems
  • Internet or network failures
  • Security incidents
  • Updates
  • Third-party service interruptions
  • Circumstances beyond our reasonable control

We reserve the right to modify, suspend or discontinue any part of the website without prior notice.

12. Intellectual Property

Unless otherwise stated, the content of this website, including text, graphics, logos, photographs, designs, layouts, icons, illustrations, videos and other materials, is owned by or licensed to R Square Financial and is protected under applicable intellectual property laws.

You may access and use the website for personal and lawful purposes.

You must not, without prior written permission:

  • Copy or reproduce substantial portions of the website
  • Republish website content
  • Sell or commercially exploit website content
  • Modify or create derivative works from website materials
  • Distribute website content for commercial purposes
  • Use our branding, logo or content in a misleading manner

13. Prohibited Use

You agree not to use this website:

  1. For any unlawful purpose.
  2. To submit false, misleading or fraudulent information.
  3. To interfere with the security or operation of the website.
  4. To attempt unauthorised access to our systems or data.
  5. To introduce viruses, malware or other harmful material.
  6. To use automated systems to improperly collect website information.
  7. To impersonate another person or organisation.
  8. To misuse enquiry or contact forms.
  9. For any activity that violates applicable Indian laws or regulations.

14. External Links

The website may contain links to websites or resources operated by third parties.

These links may be provided for convenience or informational purposes.

R Square Financial does not necessarily control or endorse third-party websites and is not responsible for their content, privacy practices, availability, security or terms of use.

Users should review the terms and privacy policies of third-party websites before using them.

15. Limitation of Liability

To the extent permitted by applicable law, R Square Financial shall not be responsible for losses or damages arising from:

  • Reliance solely on general information published on the website;
  • Changes to insurance or financial product terms;
  • Decisions made by insurers, fund houses or other third parties;
  • Market fluctuations or investment performance;
  • Rejection or modification of insurance proposals;
  • Claim decisions made by insurers;
  • Temporary website unavailability;
  • Technical failures or interruptions;
  • Unauthorised access caused by circumstances beyond our reasonable control;
  • Information supplied incorrectly by a website visitor.

Nothing in these Terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.

16. Indemnification

You agree, to the extent permitted by law, to indemnify and hold harmless R Square Financial, its representatives, employees and service providers from claims, losses, liabilities, damages or expenses arising from your unlawful use of the website, violation of these Terms, or submission of false or unauthorised information.

17. Privacy

Your use of this website may involve the collection and processing of information submitted through contact forms, enquiries, communications and other website interactions.

Our handling of personal information is governed by our   Privacy Policy  , which should be read together with these Terms & Conditions.

We recommend reviewing the Privacy Policy before submitting personal information through the website.

18. Regulatory and Legal Compliance

R Square Financial intends to conduct its activities in accordance with applicable laws, regulations and regulatory requirements relevant to the services it provides.

Where insurance-related activities are carried out, applicable requirements of the Insurance Regulatory and Development Authority of India (IRDAI) and other applicable authorities shall apply.

Where investment or mutual fund-related services are provided, applicable regulatory requirements shall apply according to the nature of the service and the regulatory status of the relevant entity.

Any applicable registration, licence, ARN, regulatory identification or other mandatory disclosure should be displayed on the website where required.

19. Changes to These Terms

We may update or modify these Terms from time to time to reflect changes in our services, website functionality, applicable laws, regulations or business practices.

The updated version will be published on this page with the revised “Last Updated” date.

Your continued use of the website after an update constitutes your acceptance of the revised Terms.

20. Governing Law and Jurisdiction

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

Subject to applicable law and the jurisdiction of relevant regulatory authorities, courts having appropriate jurisdiction in Tamil Nadu shall have jurisdiction over disputes arising from the use of this website.

Nothing in these Terms shall restrict any statutory rights, consumer rights or regulatory remedies available to you under applicable law.

21. Contact Us

If you have questions regarding these Terms & Conditions, please contact us:

R Square Financial,

Thanjavur Office

Rathna Colony, Thanjavur – 614201, Tamil Nadu, India.

Ayyampettai Office

No. 6, Kasukara Chetty Street, Ayyampet, Thanjavur – 614201, Tamil Nadu, India.

Phone:   +91 98420 53153

Phone:   +91 97509 53153