Terms of Use

"Angel" Financial Advisors Pvt Ltd" hereinafter referred to as"Angel". Please read the following terms of use..

You agree and understand that the information and material contained in this website implies and constitutes your consent to the terms and conditions mentioned below. You also agree that"Angel" can modify or alter the terms and conditions of the use of this service without any liability.

It reserves the right to decide the criteria based on which customers would be allowed to avail of these services.

The content of the site and the interpretation of data are solely the personal views of the contributors."Angel". reserves the right to make modifications and alterations to the content of the website. Users are advised to use the data for the purpose of information only and rely on their own judgment while making investment decisions. The investments discussed or recommended may not be suitable for all investors."Angel". does not warranty the timeliness, accuracy or quality of the electronic content.

A possibility exists that the site could include inaccuracies or errors. Additionally, a possibility exist that unauthorized additions, deletions or alterations could be made by third parties to the site. Although "Angel" attempts to ensure the integrity, correctness and authenticity of the site, it makes no guarantees whatsoever as to its completeness, correctness or accuracy. In the event that such an inaccuracy arises, please inform "Angel" so that it can be corrected.

The price and value of investments and the income derived from them can go down as well as up, and you may not get back the amount you invest. Changes in the rate of exchange may have an adverse effect on the value, price and income of investments in deposits other than your own. Past performance is not necessarily a guide to future performance. The services and investments referred to in our Site may have tax consequences and it is important to bear in mind that "Angel" does not provide tax advice. The level of taxation depends on individual circumstances and such levels and bases of taxation can change. You should consult your own tax advisor in order to understand any applicable tax consequences.

"Angel" does not make any personal recommendations. The information on our Internet site is provided solely to enable investors to make their own investment decisions and does not constitute a recommendation to buy, sell or otherwise deal in investments. Our services and the securities we offer services on may not be suitable for all customers; hence you should seek advice from an independent financial adviser.

The content of the website cannot be copied, reproduced, republished, uploaded, posted, transmitted or distributed for any non-personal use without obtaining prior permission from"Angel". We reserve the right to terminate the accounts of subscribers/ customers, who violate the proprietary rights, in addition to necessary legal action.

"Angel" and its owners/affiliates are not liable for damages caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in transmission or operations, computer virus, communications line failure, and unauthorized access to the personal accounts."Angel". is not responsible for any technical failure or malfunctioning of the software or delays of any kind. We are also not responsible for non-receipt of registration details or e-mails. Users shall bear all responsibility of keeping the password secure."Angel". is not responsible for the loss or misuse of the password. "Angel". is not responsible for the content of any of the linked sites. By providing access to other web-sites,"Angel". is neither recommending nor endorsing the content available in the linked websites.

You agree that the information gathered from your profile will be used to enhance your experience on the website. We will not rent or sell the profile to any third party. In case of a contest or a promotion scheme, we reserve the right to share the users profile with the sponsors. In the event of necessary credit checks and collection of payments,"Angel". can disclose such information to other authorities in good faith."Angel". will use all or any part of the service and change terms without any obligation.

This website is for the exclusive purpose of transactions to be carried out within the territorial jurisdiction of India and all such transactions shall be governed by the laws in India. Notice is hereby given that Non Resident Indians (NRI's) and Foreign Nationals accessing this web site and opting to transact thereon shall do so after due verification at their end of their eligibility to do so."Angel". Limited undertakes no responsibility for such pre-eligibility of qualification on part of Non-Resident Indians (NRI's) or Foreign Nationals to transact on this website.

You understand and agree that no joint venture, partnership, employment or agency relationship exists between you and us as a result of this agreement or on account of use of our web site.

Price and availability of products and services offered on the site are subject to change without prior notice. To the extent we provide information on the availability of products or services you should not rely on such information. "Angel" will not be liable for any lack of availability of products and services you may order through the site.


  • Insurance products are obligations only of the Insurance Company. They are not obligations of or guaranteed by Angel Financial Advisors Private Limited (AFAPL). All claims under the policy will be solely decided upon by the Insurance Company. AFAPL hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation .

  • Tax benefits are as per the prevailing tax laws. Tax laws are subject to changes. Please consult your tax advisors for details. Please read the policy terms and condition as per policy document for further details .

  • AFAPL is a registered Corporate Agent of Birla Sun Life Insurance Company Limited, ICICI Prudential Life Insurance Company Limited, HDFC Standard Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, HDFC Ergo General Insurance Company Limited, Cigna TTK Health Insurance Company Limited and Apollo Munich Health Insurance Company Limited under the composite license number CA0252 issued by IRDAI.

  • Life Insurance Policies: These policies are underwritten by Aditya Birla Sun Life Insurance Company Limited (IRDAI Registration No. 109) CIN: U99999MH2000PLC128110 with its registered office at One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013, or by ICICI Prudential Life Insurance Company Limited (IRDAI Registration No. 105) CIN:  L66010MH2000PLC127837 with its registered office at  ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025, or by HDFC Standard Life Insurance Company Limited (IRDAI Registration No. 101) CIN: L65110MH2000PLC128245 with its registered office at Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.

  • All guaranteed benefits are payable only when all premiums are paid when due .

  • Investment risk in the investment portfolio is borne by the Policy Holder. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associate with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision.

  • Non-life Insurance Policies: These Policies are underwritten by Bajaj Allianz General Insurance Company Limited (IRDAI Registration No. 116) CIN: U66010PN2001PLC015959 with its registered office at Bajaj Allianz House, Airport Road, Yerawada, Pune-411006 or by HDFC Ergo General Insurance Company Limited (IRDAI Registration No. 146) CIN: U66030MH2007PLC177117 with its registered office at 1st Floor, HDFC House, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020

  • Health Insurance Policies: These policies are underwritten by Cigna TTK Health Insurance Company Limited (IRDAI Registration No. 151) CIN: U66000MH2012PLC227948 with its registered office at 401/402, Raheja Titanium, Western Express Highway, Goregaon (East), Mumbai – 400 063 and Apollo Munich Health Insurance Co. Limited (IRDAI Registration No. 131) CIN: U66030AP2006PLC051760 with its registered office at Apollo Hospitals Complex, Jubilee Hills, Hyderabad - 33.

  • For more details on risk factors, terms and conditions please read the applicable sales brochure carefully before concluding the sale.

  • For any claims, queries, escalation, surrender, freelook with respect to insurance policies you can contact insurancehelpdesk@angelbroking.com, the updated numbers are available on www.angelsecurelife.com



    1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an Insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.

    2) Any person making default in complying with the provisions of this section shall be liable for penalty which may extend to ten lakh rupees.

Governing Law

Transactions between you and "Angel" shall be governed by and construed in accordance with the laws of India, without regard to the laws regarding conflicts of law. Any litigation regarding this agreement or any transaction between customer and "Angel": or any action at law arising out of or relating to these agreement or transaction shall be filed only in the Competent Courts of Mumbai alone and the customer hereby agrees, consents and submits to the jurisdiction of such courts for the purpose of litigating any such action.

If you do not agree to any of the terms mentioned in this agreement, you should exit the site.