Effective Date: [15/02/2025]

1. Introduction
Welcome to Money Bugs  (“Money Bugs,” “we,” “our,” or “us”). By accessing or using our services, website, or any associated platform (“Services”), you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please do not use our Services.

2. Services Provided
Money Bugs provides insurance brokerage, financial consultancy, and related services. Our role is to assist clients in selecting appropriate insurance and financial products from various third-party providers. We do not underwrite insurance policies or financial products ourselves.

3. Eligibility
To use our Services, you must be at least 18 years old and legally capable of entering into binding contracts. By using our Services, you represent and warrant that you meet these requirements.

4. User Responsibilities

  • You agree to provide accurate and complete information when using our Services.
  • You are responsible for maintaining the confidentiality of your account details.
  • You agree not to use our Services for any unlawful or fraudulent activities.

5. Fees and Payments

  • Some Services may require payment of fees, which will be disclosed before you make a purchase.
  • All payments are non-refundable unless otherwise specified.
  • We reserve the right to change pricing at any time, with prior notice where applicable.

6. Third-Party Links and Services
Our Services may include links to third-party websites or services. We are not responsible for the content, policies, or practices of these third parties. Your interactions with such third parties are at your own risk.

7. Intellectual Property
All content, trademarks, and intellectual property related to our Services remain our property. You may not copy, distribute, or reproduce our content without prior written consent.

8. Limitation of Liability

  • We provide Services on an “as is” and “as available” basis, without warranties of any kind.
  • We shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our Services.
  • Our total liability shall not exceed the fees paid by you for the relevant Services.

9. Indemnification
You agree to indemnify and hold harmless Money Bugs, its employees, directors, and affiliates from any claims, losses, or damages arising from your use of our Services or violation of these Terms.

10. Termination
We reserve the right to suspend or terminate your access to our Services at our discretion, with or without notice, for any breach of these Terms.

11. Governing Law and Dispute Resolution
These Terms shall be governed by the laws of India. Any disputes shall be resolved through arbitration in Bhopal, in accordance with the Arbitration and Conciliation Act, 1996.

12. Amendments
We may update these Terms from time to time. Continued use of our Services after such changes constitutes your acceptance of the revised Terms.

13. Contact Us
For any questions or concerns regarding these Terms, please contact us at:

Money Bugs
[ll, office 4th floor, 119 (36-A, Narmadapuram Rd, behind Royal Enfield Showroom, Vidya Nagar, Bhopal, Madhya Pradesh 462026]
[contact@moneybugs.in]
[+91 97550 40311]

By using our Services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.