These terms apply when you use www.fin-pilot.com, our WhatsApp assistant, enquiry forms, calculators, and the FinPilot partner portal. Please read them with our Privacy Policy. If you do not agree, please do not use the site or the portal.
Who we are
FinPilot, at Ground Floor, 14, Inder Enclave, Paschim Vihar, New Delhi - 110063, is a financial distribution and advisory practice. We help clients and financial partners with:
- Life insurance
- Health insurance
- General insurance, including motor, travel, and other non-life covers
- Mutual funds
- Fixed deposits and other fixed-income options
- Financial planning, including protection, goals, and reviews
We are not the insurance company, the mutual fund, or the company that accepts a fixed deposit. A product is issued only by the relevant insurer, asset management company, or deposit-taking company, and only after that issuer accepts the application. Their policy wording, scheme document, application form, and terms prevail over anything on this website.
Using the website
You may browse the site, read our insights, and send an enquiry for your own use. You must be at least 18 years old to send an enquiry, open a partner account, or ask us to proceed with a product. Information on the site is general education for readers in India. It is not a personal recommendation, and it is not tax, legal, or investment advice tailored to you, until an advisor has understood your situation.
Enquiries, quotes, and calculators
Figures shown on the website or WhatsApp — including fixed-deposit estimates, premium indications, and fund illustrations — are examples. Rates, charges, tax, and product features change. A calculator does not create an offer, a contract, or a promise of returns. Final terms are those confirmed by the issuer in writing.
When you ask us to contact you, you agree that a FinPilot advisor, or the partner linked to your enquiry, may call, message, or email you about that request. You can ask us to stop promotional contact. We may still write to you about an application that is already in progress.
Insurance, mutual funds, and fixed deposits can lose value, be declined, or pay less than an illustration. Past performance is not a guide to the future. Equity and hybrid mutual funds are subject to market risk. Corporate fixed deposits are not the same as bank deposits and are not covered by DICGC deposit insurance. Please read the offer document before you invest or buy cover.
Applications and servicing
We help you compare options and complete paperwork. The decision to issue a policy, allot units, or accept a deposit sits with the issuer. Claims are assessed by the insurer on the policy terms and the documents submitted. We will assist where we are the intermediary on record. We cannot guarantee a claim decision, a renewal, or an approval.
You are responsible for the accuracy of information you give us and the issuer. Leaving out health, income, or other material facts can lead to a rejected claim or a cancelled policy. Please tell us if your contact details or circumstances change.
Partner portal
The partner portal is for appointed FinPilot financial partners and authorised staff. A login is personal. Do not share it, and tell us if you suspect it has been misused. We may suspend or close access if KYC is incomplete, if information is misleading, or if the portal is used in a way that harms a client or FinPilot.
Partners must:
- Introduce only people who have agreed to be contacted.
- Explain products fairly, including limits, exclusions, charges, and risk.
- Not promise returns, claim approval, or tax outcomes that are not in the issuer’s documents.
- Keep client documents confidential and use them only for the FinPilot business they relate to.
- Follow the process we set for leads, referrals, quotes, sales entries, and commission.
Commission, contests, and overrides are paid only as per the structure shown in the portal or confirmed in writing, after the business is booked, accepted, and eligible. We may withhold or recover commission where a sale is cancelled, not taken up, or booked on incorrect information. A partner portal login does not make someone our employee unless a separate appointment letter says so.
Acceptable use
You must not:
- Copy, scrape, or resell the site’s content, calculators, or partner data.
- Upload harmful software, attempt to break access controls, or use another person’s account.
- Submit false identity documents or someone else’s KYC.
- Use the site or WhatsApp assistant to harass our team or to send unsolicited bulk messages.
- Treat the website as the only record of a policy or investment. Keep the issuer’s documents.
Intellectual property
The FinPilot name, logo, page design, and original text on this website belong to us or our licensors. You may share a link to a public page. You may not copy our materials onto another commercial site without written permission. Product names and logos of insurers and fund houses belong to their owners.
Liability
We take care to keep the website accurate, but product features, interest rates, and regulations change, and a page may not reflect the latest issuer circular. To the extent Indian law allows, FinPilot is not liable for indirect or consequential loss, or for a decision taken only from general website content without a personal review.
Nothing in these terms limits a right that Indian law does not allow us to limit, including rights under the Consumer Protection Act, 2019. Where liability remains, it relates to the advisory and distribution service we actually provide, and not to the solvency or product performance of an issuer.
Changes
We may update these terms, the website, or the portal. The “Last updated” date shows the current version. We may also pause the site for maintenance or security. If a change materially affects partner commission that has already been earned, we will communicate that change through the portal or by email.
Governing law
These terms are governed by the laws of India. The courts at Delhi have jurisdiction. This does not affect any mandatory right you have to approach a consumer forum or another forum the law provides.
Contact
FinPilot
Ground Floor, 14, Inder Enclave, Paschim Vihar, New Delhi - 110063
Phone: +91 98996 21905
Email: info@fin-pilot.com
Hours: Monday to Saturday, 9:30 AM to 6:30 PM