Last updated: March 11, 2026
These Terms and Conditions ("Terms") govern your use of the website https://youtube.dexcy.in and the services provided by Jai Jagannath Associates ("we", "our", or "us"), an insurance agency operating under the Dexcy platform, registered and operating in Bhubaneswar, Odisha, India.
By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree, please discontinue use of our services.
1. Services Description
Jai Jagannath Associates is an insurance intermediary that facilitates insurance product enquiries, comparisons, and policy arrangements on behalf of its clients. We work with multiple IRDAI-registered insurance companies to provide:
- Insurance product information and comparisons
- Assistance in selecting appropriate insurance coverage
- Policy application facilitation
- Claim assistance and support
- Renewal reminders and after-sales service
2. User Obligations
By using our website and services, you agree to:
- Provide accurate, complete, and up-to-date information in all forms and enquiries.
- Not provide false or misleading information for the purpose of obtaining insurance coverage.
- Use our website only for lawful purposes and in compliance with these Terms.
- Not attempt to gain unauthorised access to our systems or other users' accounts.
- Not engage in any activity that disrupts or interferes with the proper functioning of the website.
3. Insurance Advice Disclaimer
Information provided on this website is for general informational purposes only and does not constitute personalised financial or insurance advice. While we make every effort to provide accurate information, insurance products, premiums, and terms are subject to change. Always verify current policy details directly with the insurer before purchasing.
We act as an intermediary. The insurance contract is between you and the insurer, not with Jai Jagannath Associates or Dexcy.
4. Enquiry and Contact Forms
By submitting an enquiry through our website, you consent to being contacted by our representatives via phone, email, or messaging services for the purpose of fulfilling your enquiry. You may opt out of further communication at any time by contacting us directly.
5. Intellectual Property
All content on this website, including text, graphics, logos, and design elements, is the property of Jai Jagannath Associates and Dexcy, or their respective licensors, and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.
6. Limitation of Liability
To the maximum extent permitted by applicable law, Jai Jagannath Associates and Dexcy shall not be liable for:
- Any indirect, incidental, or consequential damages arising from use of this website or our services.
- Loss of data, revenue, or business opportunities.
- Actions or omissions of insurance companies whose products we facilitate.
- Technical errors, downtime, or interruptions of the website.
7. Privacy
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
8. Regulatory Compliance
Jai Jagannath Associates operates in compliance with the Insurance Regulatory and Development Authority of India (IRDAI) regulations. We hold a valid IRDAI registration as an insurance agent/intermediary. All activities are conducted in accordance with the Insurance Act, 1938 and subsequent amendments.
9. Third-Party Links
Our website may contain links to third-party websites (insurer portals, payment gateways, etc.). We are not responsible for the content, accuracy, or privacy practices of these external sites.
10. Modifications to Terms
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last updated" date. Continued use of our services after any modifications constitutes your acceptance of the updated Terms.
11. Governing Law and Jurisdiction
These Terms are governed by the laws of India. Any disputes arising from or related to these Terms or our services shall be subject to the exclusive jurisdiction of the courts in Bhubaneswar, Odisha, India.
12. Contact Information
For questions about these Terms, please contact:
- Organisation: Jai Jagannath Associates
- Address: Bhubaneswar, Odisha – 752054, India
- Email: info@jaijagannath.in
- Phone: +91 98765 43210