Terms of Service

1About these terms

These terms are an agreement between you and In/Ctrl (“In/Ctrl”, “we”, “us”), which runs beinctrl.com. By using our website or services, you agree to these terms and to our Privacy Policy. If you don’t agree, please don’t use In/Ctrl.

2What In/Ctrl does

In/Ctrl reads health insurance policy documents that you upload and prepares a report in plain language. The report points out clauses such as room rent limits, waiting periods, co-payments, sub-limits and exclusions, with examples of what they could cost you. We also publish guides in our Journal and send our newsletter, the Sunday letter, to people who subscribe.

3What In/Ctrl is not

We are not an insurer, insurance broker, corporate agent, web aggregator or any other insurance intermediary registered with IRDAI. We don’t sell, solicit or recommend insurance products, and we don’t receive commission from insurers.

Our reports are not insurance, medical, legal, tax or financial advice. For decisions about buying, renewing, switching or claiming, speak to your insurer or a licensed adviser.

4How accurate our reports are

We prepare reports using automated tools, including AI, and check them against common policy clauses. They can still contain mistakes or miss something.

• A report is only as complete as the documents you give us. A policy schedule without the full policy wording, for example, leaves gaps.
• Cost examples are estimates to help you understand a clause. Real bills and claim decisions can be different.
• What you are covered for is decided by your policy wording, schedule and endorsements, your insurer’s decision, and the regulations that apply.
• Check with your insurer or TPA before you act on anything in a report, especially before a hospital admission.

We don’t guarantee that any claim will be accepted or paid.

5Who can use In/Ctrl

You must be at least 18 years old and able to enter into a contract under Indian law. In/Ctrl is designed for health insurance policies issued in India.

6Your responsibilities

When you use In/Ctrl, you agree to:

• Upload only documents you own or are allowed to share, such as your own policy, or a family member’s policy with their permission.
• Give us a contact address that belongs to you.
• Not upload anything unlawful or harmful, such as malware.
• Not copy, scrape or resell our reports or website content, or try to reverse-engineer our service.
• Not use our reports to mislead anyone.

7Your documents

You keep ownership of the documents you upload. You give us permission to store, read and analyse them only to provide our service to you, and to create de-identified, aggregate information that can’t identify you, as described in our Privacy Policy.

8Access to your report

You don’t need a password. We send your report, or a link or code to open it, to the email address or WhatsApp number you give us. Keep access to that inbox or number secure. We may suspend access if we see misuse.

9Paid reports

Each policy report costs a one-time ₹99, including GST. You see how many things we found before you pay. There are no subscriptions.

• Prices are shown before you pay and include applicable taxes, such as GST.
• Payments are processed by our payment partner, under their terms.
• We may change prices in future. Changes won’t affect anything you have already paid for.
• A promo code may lower the price of a report or unlock it at no cost. Promo codes have no cash value and can’t be exchanged or refunded.

10Refunds

If a paid report doesn’t tell you anything useful, write to us within 7 days of receiving it and we will refund you in full. Refunds go back to the original payment method, usually within 7 working days.

11Emails and messages

We send the Sunday letter only if you subscribe, and you can unsubscribe from any issue. We will still send messages about your report and payments, because they are part of the service.

12Our content and brand

The In/Ctrl name, logo, website, report design and Journal articles belong to us. You can share your own report with family or an adviser. Please don’t republish our content without permission. Short quotes with a link back are fine.

13Links and other services

Our website may link to other websites, such as insurers or government portals. We don’t control them and aren’t responsible for their content or practices.

14Changes to the service

We are improving In/Ctrl all the time. We may add, change or remove features, and the service may sometimes be unavailable for maintenance or for reasons outside our control.

15Limits on our liability

To the extent the law allows, we are not responsible for indirect or consequential losses, or for decisions you make based on a report, including a claim being reduced or rejected. Our total liability to you for any claim is limited to the amount you paid us in the 12 months before the claim, or ₹1,000 if you haven’t paid us anything. Nothing in these terms limits your rights under consumer protection law.

16Indemnity

If you break these terms, for example by uploading a document you weren’t allowed to share, you agree to cover the losses and reasonable costs this causes us.

17Ending your use

You can stop using In/Ctrl at any time and ask us to delete your data. We may suspend or end your access if you break these terms or misuse the service.

18Governing law and disputes

These terms are governed by the laws of India. If you have a concern, please write to us first so we can try to resolve it. Any dispute that can’t be resolved this way will be handled by the competent courts in India.

19Grievances and contact

For questions about these terms or our service, write to support@beinctrl.com. For complaints, contact our Grievance Officer at grievance@beinctrl.com. We will acknowledge your complaint within 48 hours and aim to resolve it within one month.

20Changes to these terms

We may update these terms. We will change the date at the top and, for significant changes, tell you by email before they take effect. If you keep using In/Ctrl after that, the updated terms apply.