Terms & Conditions

Last updated: 11 August 2026

1. Acceptance of Terms

By accessing insurance.chutky.com or submitting an enquiry through it, you agree to these Terms & Conditions. If you do not agree with any part of them, please do not use this website.

2. Nature of the Service

This website provides information and enquiry assistance relating to insurance. Through it you can submit an enquiry, receive general guidance about the types of insurance available, and be connected with insurance service professionals.

Nothing on this website constitutes an offer to issue an insurance policy. Insurance policies are issued only by insurers, subject to their underwriting, eligibility criteria, terms and conditions, and the applicable regulatory framework.

3. Information Is General in Nature

The content on this website is provided for general information. It does not take into account your individual circumstances, objectives or financial situation, and it is not a recommendation to buy or hold any particular insurance product.

Product features, coverage, exclusions, waiting periods, premiums and eligibility differ between insurers and between products, and may change without notice. Always read the relevant policy documents before making a decision.

4. No Guarantee of Outcome

We do not guarantee that any enquiry will result in the issue of a policy, that any specific product will be available to you, that any premium quoted elsewhere will apply, or that any claim will be accepted. Underwriting and claim decisions rest solely with the insurer.

5. Accuracy of Information You Provide

You are responsible for ensuring that the information you submit through the enquiry form is accurate and complete. Insurance applications rely on accurate disclosure, and incorrect or incomplete information can affect eligibility, premiums or a future claim.

6. Acceptable Use

• Do not submit false, misleading or another person's details without their authorisation
• Do not use the enquiry form for spam, automated submissions or any unlawful purpose
• Do not attempt to gain unauthorised access to any part of this website or its systems
• Do not copy, reproduce or republish the content of this website without written permission

7. Intellectual Property

The design, text, graphics and other material on this website are owned by or licensed to us and are protected by applicable intellectual property laws. You may view and print pages for your own personal, non-commercial use.

8. Third-Party Links

This website may link to third-party websites, including those of insurers or social media platforms. We do not control those websites and are not responsible for their content, availability or privacy practices.

9. Limitation of Liability

To the extent permitted by applicable law, we are not liable for any indirect, incidental or consequential loss arising from use of this website or reliance on the general information it contains. Nothing in these terms excludes any liability that cannot lawfully be excluded.

10. Availability

We aim to keep this website available and accurate, but we do not warrant uninterrupted availability. Content may be updated, suspended or withdrawn at any time without notice.

11. Governing Law

These Terms & Conditions are governed by the laws applicable at our place of business. Insurance products themselves are governed by the laws and regulations applicable in the jurisdiction where the policy is issued.

12. Contact

Questions about these terms can be sent to radnarsolutions@gmail.com.