Subscription terms of use

Sqrrl Prime: Terms of Use

  • Sqrrl Prime is a pre-paid service. The billing is done at the beginning of the subscription cycle and carried forward on a monthly, or half yearly basis (as per your choice). If cancelled, the subscription will only end at the next renewal date. 
  • Sqrrl Prime prices may be changed at any time without further notice. 
  • Sqrrl Prime charges are non-refundable. The subscription fee shall be non-refundable for any reason whatsoever. 

“Do It Yourself” Online ITR 

– Only “Do It Yourself” Income Tax Return filing for Salaried Individuals and Capital Gains from Trading in Stocks/Mutual Funds is free. No other category is included in the membership.

Group Personal Accident Cover underwritten by ICICI Lombard General Insurance Co. Ltd. Terms and Conditions:



  • Death Cover
  • Permanent Total Disability
  • Age of Entry: 18 years to 65 years
  • Policy Tenure: 1 year
  • Day 1 cover



  • Coverage: Lump sum payout in case of death
  • Terms and conditions:
  • Accident has to occur during the period of insurance
  • Death following injury sustained from such accident should occur within 365 days from the date of accident
  • On the acceptance of a claim under this Benefit, all cover under this Benefit shall immediately and automatically cease


Permanent total disability

  • Coverage: Lump sum payout in case of PTD
  • Accident has to occur during the period of insurance
  • The permanent total disability following injury sustained from such accident should occur within 365 days from the date of accident
  • If Injuries results in more than one Permanent Total Disablements, then maximum, liability under this Benefit shall be limited to the Sum Insured.
  • On the acceptance of a claim under this Benefit, all cover under this Benefit shall immediately and automatically cease



    • Standard exclusions applicable like – Suicide, attempt to Suicide or intentionally self- inflicted injury, Under influence of drugs, alcohol , participation in riots etc.

Please refer the detailed policy wordings here.

Group Personal Accident – Monthly & Annual

This document is published in compliance of and shall be governed by Indian law, including but not limited to (i) The Indian Contract Act, 1872; (ii) The Information Technology Act, 2000, the rules, regulations, guidelines and clarifications framed thereunder including the Information Technology (Reasonable Security Practices And Procedures And Sensitive Personal Information) Rules, 2011, and the provisions of rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011; (iii) The Payment And Settlement Systems Act, 2007 and applicable rules, regulations and guidelines made thereunder; and (iv) Reserve Bank of India Act, 1934 and the applicable rules, regulations and guidelines made thereunder. 

This document is an electronic record in the form of an electronic contract formed under Information Technology Act, 2000 and rules made thereunder and the amended provisions pertaining to electronic documents / records in various statutes as amended by the Information Technology Act, 2000. 

This agreement does not require any physical, electronic or digital signature. This agreement is a legally binding document between you and Sqrrl Fintech Private Limited (both terms defined below). The terms of this document will be effective upon your acceptance of the same (in electronic form or by means of an electronic record or other means) and will govern the relationship between you and Sqrrl for the use of Sqrrl services. 

  1. For the purpose of these Terms of Use, wherever the context so requires-
    1. “You/Your”, “Customer” or ‘User’ shall mean any natural or legal person who has registered with Sqrrl and who has accepted these Terms of Use. 
    2. ‘We’, ‘Us’, ‘Our’, “Sqrrl” shall mean Sqrrl Fintech Private Limited.
    3. ‘Insurer’ shall mean the respective Insurance company issuing Insurance. 
  2. These terms and conditions (‘T&C’) and all applicable T&C issued by Insurance Company govern your rights and obligations as a Customer for the Insurance Policy purchased from respective Insurance Company via Sqrrl mobile application. You agree and acknowledge that the Insurance purchased through Sqrrl applications are issued by respective Insurance Company and Sqrrl is not the issuer of these Policies. 
  3. Your access to and use of the Sqrrl mobile application and the Sqrrl services are conditional upon your acceptance of and continuous compliance with these T&C at all times. 
  4. The access to the Sqrrl mobile application is only available to persons who are competent to enter into legally binding contracts under the Indian Contract Act, 1872. Any person who shall be considered as incompetent to contract as per the provisions of the Indian Contract Act, 1872, including minors, un-discharged insolvents, etc., are not eligible to use the Sqrrl mobile application. 
  5. You agree that the personal information such as name, address, contact number etc. (Personal Information’) you provide to Sqrrl upon registration are complete and verifiably accurate. 
  6. Customer hereby agree and acknowledge that his/her Personal Information will be shared with respective Insurance Company while purchasing insurance product from such Insurance Company via Sqrrl application. 
  7. Policy purchased via Sqrrl application is valid for Indian citizens only. 
  8. Customer should be between the age of 18-65 years at the time of buying the policy. Policy shall be issued in the name of the individual as provided by the User. 
  9. Policy certificate shall be sent by the respective Insurance Company on his/her email address within 72 hours of the transaction and it can also be downloaded from the order history of Sqrrl. 
  10. The policy is offered for the sum insured as specified in the Policy certificate. 
  11. All the terms and conditions mentioned in the policy certificate shall be applicable. 
  12. Customer can use multiple payment modes for purchasing insurance policy through Sqrrl. 
  13. The insurance policy is a contract between Insurance Company and the Customer. For any issues related to Insurance Policy including claims, please reach out to the respective Insurance Company. 
  14. In case of Group Personal Accident, following conditions apply: 
    1. Validity of 365 days only and has no renewals associated with it. 
    2. Covers starts in T+3 days from the day of purchase after which policy expires after 365 days. 
    3. Customers wishing to get covered again can buy a new policy.
  15. Certificate of Insurance will be sent to you within a week.
  16. In case of half yearly membership, a membership renewal will not renew an already active policy.