Terms and Conditions

Shift Risk Insurance Brokers Limited operates the websitehttps://www.shiftrisk.com to provide consumers choice and an easy way to buyInsurance products from multiple Insurance companies. Shift Risk InsuranceBrokers Limited or www.shiftrisk.com is not an insurance company. Shift RiskInsurance Brokers Limited is a licensed Insurance Broking Company holding aBroking license from the Indian Insurance Regulator - Insurance Regulatory andDevelopment authority of India.

IRDABroking License No.575. Broker code: DB644/16. License Type: (Direct- Life & General)

Our participating insurance providers supply some of theinformation available on the Website and therefore there may be inaccuracies inthe Website Information over which Shift Risk Insurance Brokers Limited haslimited control. For details about any insurance policy, kindly contact our brokerqualified person or refer the brochure provided on the website of the insuranceprovider.

Shift Risk Insurance Brokers Limited does not warrant orguarantee the Timeliness, accuracy or completeness of the Website Information;or Quality of the results obtained from the use of the Website,www.shiftrisk.com.

To the maximum extent permitted by law, Shift Risk InsuranceBrokers Limited has no liability in relation to or arising out of the WebsiteInformation and Website recommendations. You are responsible for the finalchoice of your product and you should take time to read through all informationsupplied before proceeding. If you are in any doubt regarding a product or itsterms you should seek further advice from Shift Risk Insurance Brokers Limitedor the relevant participating provider before choosing your product. Insuranceis a subject matter of solicitation.Shift Risk Insurance Brokers Limited may pass on your personalinformation to the relevant participating provider if you apply to purchase aproduct through www.shiftrisk.com, however, Shift Risk Insurance BrokersLimited does not guarantee when or if you will actually acquire the product thatyou have chosen.

Shift Risk Insurance Brokers Limited does not accept anyliability arising out of circumstances where there is delay in you acquiringthe product you have chosen. 

Please note that Shift Risk Insurance Brokers Limited is onlyassisting in collecting the premium deposit on behalf of the insurer you havechosen to buy the policy. The acceptance of the deposit as premium and finalissuance of the policy is subject to the underwriting norms and discretion ofthe Insurer whose policy you have chosen to buy on which Shift Risk InsuranceBrokers Limited has no control. Shift Risk Insurance Brokers Limited willensure that the amount is refunded by the insurer in case there is no ultimateissuance of policy.

By visiting our website and accessing the information,resources, services, products, and tools we provide, you understand and agreeto accept and adhere to the following terms and conditions as stated in thispolicy (hereafter referred to as 'User Agreement'), along with the terms andconditions as stated in our Privacy Policy (please refer to the Privacy Policysection below for more information).

This agreement is in effect asof MMM DD, YYYY.

We reserve the right to change this User Agreement from timeto time without notice. You acknowledge and agree that it is yourresponsibility to review this User Agreement periodically to familiarizeyourself with any modifications. Your continued use of this site after suchmodifications will constitute acknowledgment and agreement of the modified termsand conditions. Responsible Use and ConductBy visiting our website and accessing the information,resources, services, products, and tools we provide for you, either directly orindirectly (hereafter referred to as 'Resources'), you agree to use these Resourcesonly for the purposes intended as permitted by (a) the terms of this UserAgreement, and (b) applicable laws, regulations and generally accepted onlinepractices or guidelines.

Responsible Use and Conduct

By visiting our website and accessing the information,resources, services, products, and tools we provide for you, either directly orindirectly (hereafter referred to as 'Resources'), you agree to use theseResources only for the purposes intended as permitted by (a) the terms of thisUser Agreement, and (b) applicable laws, regulations and generally acceptedonline practices or guidelines.

Wherein, you understand that:

  • Inorder to access our Resources, you may be required to provide certaininformation about yourself (such as identification, contact details, etc.) aspart of the registration process, or as part of your ability to use theResources. You agree that any information you provide will always be accurate,correct, and up to date.

  • Youare responsible for maintaining the confidentiality of any login informationassociated with any account you use to access our Resources. Accordingly, youare responsible for all activities that occur under your account/s.
  • Accessing(or attempting to access) any of our Resources by any means other than throughthe means we provide, is strictly prohibited. You specifically agree not toaccess (or attempt to access) any of our Resources through any automated,unethical or unconventional means.

  • Engagingin any activity that disrupts or interferes with our Resources, including theservers and/or networks to which our Resources are located or connected, isstrictly prohibited.

  • Attemptingto copy, duplicate, reproduce, sell, trade, or resell our Resources is strictlyprohibited.

  • Youare solely responsible any consequences, losses, or damages that we maydirectly or indirectly incur or suffer due to any unauthorized activitiesconducted by you, as explained above, and may incur criminal or civilliability.

  • Wemay provide various open communication tools on our website, such as blogcomments, blog posts, public chat, forums, message boards, newsgroups, productratings and reviews, various social media services, etc. You understand thatgenerally we do not pre-screen or monitor the content posted by users of thesevarious communication tools, which means that if you choose to use these toolsto submit any type of content to our website, then it is your personalresponsibility to use these tools in a responsible and ethical manner. Byposting information or otherwise using any open communication tools asmentioned, you agree that you will not upload, post, share, or otherwisedistribute any content that:
  •             ◦     Is illegal, threatening, defamatory,abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive,racist, or contains any type of suggestive, inappropriate, or explicitlanguage;

  •             ◦     Infringes on any trademark, patent, tradesecret, copyright, or other proprietary right of any party;
  •             ◦     Contains any type of unauthorized orunsolicited advertising;

  •             ◦     Impersonates any person or entity,including any https://www.shiftrisk.com/ employees or representatives.
  • Wehave the right at our sole discretion to remove any content that, we feel inour judgment does not comply with this User Agreement, along with any contentthat we feel is otherwise offensive, harmful, objectionable, inaccurate, orviolates any 3rd party copyrights or trademarks. We are not responsible for anydelay or failure in removing such content. If you post content that we chooseto remove, you hereby consent to such removal, and consent to waive any claimagainst us.
  • Wedo not assume any liability for any content posted by you or any other 3rdparty users of our website. However, any content posted by you using any opencommunication tools on our website, provided that it doesn't violate orinfringe on any 3rd party copyrights or trademarks, becomes the property of ShiftRisk Insurance Brokers Ltd., and as such, gives us a perpetual, irrevocable,worldwide, royalty-free, exclusive license to reproduce, modify, adapt,translate, publish, publicly display and/or distribute as we see fit. This onlyrefers and applies to content posted via open communication tools as described,and does not refer to information that is provided as part of the registrationprocess, necessary in order to use our Resources. All information provided aspart of our registration process is covered by our privacy policy.
  • Youagree to indemnify and hold harmless Shift Risk Insurance Brokers Ltd. and itsparent company and affiliates, and their directors, officers, managers,employees, donors, agents, and licensors, from and against all losses,expenses, damages and costs, including reasonable attorneys' fees, resultingfrom any violation of this User Agreement or the failure to fulfill anyobligations relating to your account incurred by you or any other person usingyour account. We reserve the right to take over the exclusive defense of anyclaim for which we are entitled to indemnification under this User Agreement.In such event, you shall provide us with such cooperation as is reasonablyrequested by us.


Your privacy is very important to us, which is why we'vecreated a separate Privacy Policy in order to explain in detail how we collect,manage, process, secure, and store your private information. Our privacy policyis included under the scope of this User Agreement. To read our privacy policyin its entirety, click here.

Limitation of Warranties

By using our website, you understand and agree that allResources we provide are "as is" and "as available". Thismeans that we do not represent or warrant to you that:

  • Theuse of our Resources will meet your needs or requirements.

  • Theuse of our Resources will be uninterrupted, timely, secure or free from errors.
  • Theinformation obtained by using our Resources will be accurate or reliable, and
  • Anydefects in the operation or functionality of any Resources we provide will berepaired or corrected.

  • Furthermore, you understand and agree that:
  • Anycontent downloaded or otherwise obtained through the use of our Resources isdone at your own discretion and risk, and that you are solely responsible forany damage to your computer or other devices for any loss of data that mayresult from the download of such content.

  • Noinformation or advice, whether expressed, implied, oral or written, obtained byyou from Shift Risk Insurance Brokers Ltd. or through any Resources we provideshall create any warranty, guarantee, or conditions of any kind, except forthose expressly outlined in this User Agreement.

Limitation of Liability

In conjunction with the Limitation of Warranties as explainedabove, you expressly understand and agree that any claim against us shall belimited to the amount you paid, if any, for use of products and/or services. ShiftRisk Insurance Brokers Ltd. will not be liable for any direct, indirect,incidental, consequential or exemplary loss or damages which may be incurred byyou as a result of using our Resources, or as a result of any changes, dataloss or corruption, cancellation, loss of access, or downtime to the fullextent that applicable limitation of liability laws apply.


All content and materials available on https://www.shiftrisk.com/,including but not limited to text, graphics, website name, code, images andlogos are the intellectual property of Shift Risk Insurance Brokers Ltd., andare protected by applicable copyright and trademark law. Any inappropriate use,including but not limited to the reproduction, distribution, display ortransmission of any content on this site is strictly prohibited, unlessspecifically authorized by Shift Risk Insurance Brokers Ltd.

Termination of Use

You agree that we may, at our sole discretion, suspend orterminate your access to all or part of our website and Resources with orwithout notice and for any reason, including, without limitation, breach ofthis User Agreement. Any suspected illegal, fraudulent or abusive activity maybe grounds for terminating your relationship and may be referred to appropriatelaw enforcement authorities. Upon suspension or termination, your right to usethe Resources we provide will immediately cease, and we reserve the right toremove or delete any information that you may have on file with us, includingany account or login information.

Governing Law

This website is controlled by Shift Risk Insurance BrokersLtd. from our offices located in the state of Maharashtra, India. It can beaccessed by most countries around the world. As each country has laws that maydiffer from those of Maharashtra, by accessing our website, you agree that thestatutes and laws of Maharashtra, without regard to the conflict of laws andthe United Nations Convention on the International Sales of Goods, will applyto all matters relating to the use of this website and the purchase of anyproducts or services through this site.

Furthermore, any action to enforce this User Agreement shallbe brought in the courts located in India, Maharashtra, Mumbai You hereby agreeto personal jurisdiction by such courts, and waive any jurisdictional, venue,or inconvenient forum objections to such courts.




You authorize Shift Risk Insurance Brokers Ltd. to communicate with you on the given number for yourInsurance needs. This authorization will override your registry under NDNC.

ContactInformation: Shift Risk Insurance Brokers Ltd.

If you have any questions or comments about these ourTerms of Service as outlined above, you can contact us at:

Shift RiskInsurance Brokers Limited
Address: 501-502,5TH FLOOR,PEARL BUILDING, B WING, SANDHU MARG,19TH ROADCORNER,CHEMBUR, MUMBAI, Mumbai City, Maharashtra, India, 400071

ContactNumber: 022-25221656 , 022-25221657