Effective 25 October 2026
Client Terms and Conditions
These terms apply when you create or use a MyAdvisorsHub client account. By accepting them, you confirm that you have read and agree to them.
1. Who we are
MyAdvisorsHub (www.myadvisorshub.com) is operated by Sanskriti Management Consultancy. It is a directory and connection platform that helps you find licensed insurance advisors by pincode. We do not sell, recommend, compare, underwrite, or issue insurance products, and we do not represent any insurer or advisor.
2. Eligibility and your account
You must be 18 or older. You must provide accurate, current information, verify your email address by OTP, keep your sign-in details secure, and use the service only for genuine insurance enquiries. You are responsible for activity performed through your account.
3. Advisor information
Advisors' IRDAI licence or registration and PAN identity are verified before their profile goes live. Verification reflects checks completed at a point in time; it is not a guarantee of advice quality, suitability, availability, conduct, or any product or insurer.
4. Independent decisions
You decide which advisor to contact and whether to buy any product. Review policy documents, exclusions, costs, suitability, and the advisor's current credentials independently before acting.
5. Requests and appointments
You may send consultation requests to one advisor at a time, within the monthly limit shown in your account. An appointment is confirmed only when you accept a time the advisor proposes. Either party may propose another time, decline, or cancel through the platform.
6. Your phone number
Your mobile number is never shown to an advisor until you accept an appointment time that advisor has proposed. Until then the advisor sees only the requirement you described. After acceptance, your number is shared with that advisor only, each access is logged, and access may be revoked if the appointment is cancelled or the advisor is no longer eligible.
7. Acceptable use
Do not submit false, unlawful, abusive, discriminatory, infringing, malicious, or misleading content; impersonate anyone; scrape the service; bypass access controls; or misuse another person's information.
8. Personal data and consent
We process your pincode, email, name, mobile number, requirements, and appointment decisions with your consent to run the service, as described in our Privacy Policy, aligned with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000. We do not sell your personal data or share it with others for their own advertising.
9. Your rights
You may request a summary of your data, correction, or erasure (unless law requires us to keep it), withdraw consent, nominate another person to exercise your rights, and complain to the Data Protection Board of India. Email support@myadvisorshub.com from your account email. After account closure or deletion requests, data is deleted or anonymised within 90 days, except records the law requires us to keep.
10. Communications and cookies
You agree to receive service messages such as OTPs, appointment updates, and account notices. We use only cookies needed for the website to work, such as keeping you signed in and preventing abuse; we do not currently use advertising cookies.
11. Availability and liability
The service may change or be interrupted. To the maximum extent permitted by law, MyAdvisorsHub is not responsible for independent advice, insurer decisions, policy performance, advisor conduct, third-party sites we link to, or indirect losses arising from use of the service.
12. Suspension, changes, and grievances
We may restrict or close accounts that breach these terms, create risk, or violate law. We may update these terms, posting the new version here and notifying you of significant changes; material updates may require renewed acceptance. Questions or grievances: support@myadvisorshub.com.
Version v2026-10-25