Terms of Use

1. Role of the platform

polisi.ge is a Georgian platform for comparing insurance requests and handing them off to an insurance partner.

The platform helps the user complete an insurance request, compare relevant insurance options, understand the main risk and coverage points, and send the request to the selected insurance partner or partners.

The platform is not an insurer, underwriter, claims handler, or representative of a partner insurance organization, unless expressly stated in writing.

2. Final insurance decision

polisi.ge does not issue policies, make the final insurance decision, or set the premium, coverage, exclusions, deductible or policy terms.

Final terms, additional document requests, risk assessment, underwriting, quote preparation, and the decision to issue or decline a policy are carried out only by the selected insurance partner.

Results shown on the platform are comparative and informational and are not a final insurance offer or a guarantee that a policy will be issued.

3. User-entered information

Comparisons and calculations are based on information entered by the user, including the insurance category, company/person details, description of the object or risk, desired limit, existing insurance, claims history, files/photos if uploaded, and contact information.

The user is responsible for the accuracy of the data. Incorrect or incomplete information may change the estimated results, the partner's offer, or the policy terms.

At MVP stage the platform may not require full document uploads. Required documents, inspection or additional information are requested from the user by the selected insurance partner.

4. Categories, calculations and risk assessment

Insurance categories, coverage descriptions and general conditions may be provided by a partner, updated administratively, or received from another permitted source. Where possible, data should show a last-updated time.

Estimated premium, coverage range, limit, deductible, exclusions and partner-fit indicators are informational estimates and may differ from the partner's final underwriting.

The premium and coverage may change based on additional information, documents, object inspection, claims history, security measures, and the partner's internal rules.

Automated processing notice: the platform may use automated calculations, comparison logic and Insurance Partner Match indicators for informational comparison purposes only. These tools do not constitute automated approval, underwriting, or a final insurance decision.

5. Partner handoff and consent

The user's contact and request data are shared with an insurance partner only after the user completes the contact form and gives consent to share the data.

The consent text, version, time, selected insurance partner and key request data may be stored for audit and service-quality purposes.

After the data is sent, the insurance partner may contact the user directly.

6. Comparison PDF / summary

The platform may provide the user with an insurance comparison summary in PDF or another format.

This summary is a preparatory and informational document. It is not a final policy, an insurance offer, or financial/insurance advice.

Electronic communication acknowledgement: service-related notices, summaries, confirmations and comparison results may be delivered to the user electronically.

7. Prohibited use

Users must not use the platform to enter false data, scrape data automatically, bypass security systems, use third-party data without authorization, or for any other unlawful purpose.

The platform may restrict or block access where there is a security, fraud, data-protection or service-abuse risk.

8. Limitation of liability

The platform strives to ensure accurate and transparent information but does not promise that every product description, estimated price, coverage or comparison always fully reflects the partner's final underwriting rules.

To the extent permitted by law, the platform's liability is limited to direct and actually proven damage. The platform is not liable for indirect, incidental or lost-opportunity damages.

9. Changes to terms

The platform may update these terms. The updated version will be published on the website or app with the relevant date.

Continuing to use the platform after an update means acceptance of the updated terms, unless applicable law requires a different form.

10. Law and contact

These terms are governed by the laws of Georgia, unless mandatory rules provide otherwise.

For questions, use: [SUPPORT EMAIL]. Operator details: [LEGAL ENTITY NAME], [COMPANY ID], [REGISTERED ADDRESS].