Terms & Conditions

These terms cover the LIAFI Android app (com.liafi.agent) and liafi.in. The developer and support contact is Sagar Singh Kushwaha. By using the service you agree to these terms and the Privacy Policy. LIAFI is a productivity tool for adult insurance agents.

1. Google account and trial

Use the same Google account in the app and website. The first eligible Android sign-in starts one 30-day trial per account. Website-only sign-in does not start it. Reinstalling, signing out or moving phones does not restart a trial. Keep your account secure; we never ask for your Google password or OTP.

2. Paid access and membership

A website purchase shows two items before payment: the LIAFI app access fee of INR 499 for 365 days and the LIAFI membership fee, starting at INR 200. General membership has a minimum of INR 500 for Chairman's Club (CM), Galaxy Club and Corporate Club, based on your saved profile. Other agents have the general minimum shown above. Any amount above the general membership minimum is chosen by you. Life Patron Membership is currently on hold and cannot be purchased online. Contact your branch Admin for assistance. The app access included in this purchase remains 365 days. Payments are in Indian Rupees and handled by Razorpay on the website. The order summary identifies your charges.

Verified captured payments grant access to the signed-in Google account. Renewals add 365 days from the later of existing paid expiry or payment settlement. Access is for your account and one active phone; it is not a transferable licence-key product. Downloading the app free does not make all features permanently free. The Google Play distribution does not offer an in-app purchase or payment link.

3. Phones and offline verification

Trial and paid accounts each allow one active phone. To transfer, sign in on the new phone and use the account transfer option. This does not change trial or paid dates. An old offline phone can retain its last signed access until its verification window expires.

Online verification is required at least every seven days and after certain security events, and access never extends beyond signed trial/paid expiry. When access or verification expires, changes, scanning and Auto SMS pause; existing files remain subject to account ownership and app-lock protection. Use export/backup before changing accounts or removing app storage.

4. Responsible use and Auto SMS

• Only store or share client information when you have the necessary authority and consent. Protect documents and your phone.
• Auto SMS is optional and sends from your SIM after required permission/consent. You are responsible for message content, recipient consent, carrier charges and applicable messaging rules. Do not send bulk, unsolicited or unlawful messages.
• Delivery and background execution depend on Android, your phone, mobile network and settings. The app cannot guarantee delivery or uninterrupted automation.
• Do not misuse accounts, bypass access controls, resell access, upload harmful material or infringe intellectual-property rights. Applicable statutory rights are not excluded.

5. Documents, backups and deletion

Documents are stored locally unless you choose encrypted Drive backup or sharing. New backups use Google-account recovery through private Drive app data; old backups may require their original password. Keep access to the original account and recovery data. We cannot reconstruct lost documents or unreadable backup keys.

You may request account and associated-data deletion at Account & Data Deletion. This is separate from deleting local/Drive copies and from requesting a refund. We verify ownership and explain any lawful retention exceptions before confirming completion.

6. Availability, updates and suspension

Updates may be distributed through the website or Google Play, depending on your installation channel. We may change or maintain the service and cannot guarantee uninterrupted availability. Access can be restricted for fraud, account sharing or unlawful use; contact support to query a restriction. An expired trial does not automatically charge you. A new purchase or renewal requires your action.

7. Information, third-party services and affiliation

The app is not a product of, and is not endorsed by, Life Insurance Corporation of India or a government authority. LIC forms and insurance/club-cover information should be checked against current official requirements. The app does not issue insurance coverage or guarantee benefits. BMI results are informational and are not a diagnosis or medical advice. Third-party WhatsApp, Medi Assist, Google and payment services have their own terms and availability.

8. Liability and statutory rights

The service is provided as available. To the extent permitted by law, we are not responsible for indirect loss, lost data or failed SMS delivery, and our total liability is limited to the app access fee paid in the 12 months before the claim. This does not exclude rights or liabilities that cannot lawfully be excluded.

9. Refunds and disputes

See the Refund & Cancellation Policy. These terms are governed by Indian law, with courts in Madhya Pradesh having jurisdiction subject to mandatory consumer protections. Contact support first so we can investigate a concern.

10. Developer and support contact

Sagar Singh Kushwaha — LIAFI developer and privacy contact
Email: contact@sanganixai.com
Phone: +91 70499 26442
Postal address: Jaysingpura, Jainabad, Madhya Pradesh, India