Grade B+ — Fair terms (score 80/100)
The terms allow for unilateral modifications and broad data sharing with affiliates, but provide a clear free-look period for policy cancellation.
Standard insurance terms. Unilateral changes allowed. No data retention policy.
The Policyholder understands that the Company has absolute discretion to amend or supplement any of these terms and conditions at any time.
The company reserves the right to change the terms of service at any time without providing notice to the user.
The Policyholder understands that the Company will fully cooperate with any law enforcement authorities or court order requesting or directing Company to disclose the identity of anyone posting any such information or materials.
The company commits to sharing user data with law enforcement upon request without explicitly requiring a warrant or notifying the user.
The Policyholder consents to the Company sharing the information provided in the proposal form including personal, confidential, medical and sensitive information with Company's group companies, affiliates or other third party service providers, etc.
The company shares your sensitive personal and medical information with a wide range of affiliates and third parties.
Agreed and understood that you have a Free Look period of 30 (Thirty) days from the date of receipt of the Policy.
You have a 30-day window to review and cancel your insurance policy if you are not satisfied.
Last reviewed 2026-09-08 under rubric v3.5.