Disclaimer

Last Updated: February 2026

Core Disclosure: IMPARC Institute of Higher Studies & Research ("We") acts solely as an academic consultant and facilitator. We are NOT a Bank, Non-Banking Financial Company (NBFC), or an Insurance Company.

1. Role as Facilitator

We facilitate connections between students and our financial partners (Federal Bank) and insurance partners (Turtlemint). We do not have the authority to sanction loans, issue insurance policies, or settle claims. All financial decisions are at the sole discretion of the respective financial institutions.

2. No Guarantee of Approval

Submission of documents to Imparc Institute does not guarantee a loan sanction or insurance issuance. Approval is subject to the student's eligibility, credit history, and the partner bank's internal policies. We are not liable for any rejection of applications.

3. Financial Calculators

The "EMI Calculator" and "Insurance Premium Estimator" provided on our website are for indicative purposes only.

Actual Loan EMI may vary based on floating interest rates and bank charges.
Actual Insurance Premium depends on the traveler's age, destination, and pre-existing medical conditions.

We accept no liability for financial decisions made based on these estimators.

4. Third-Party Links

Our website contains direct application links to third-party websites (e.g., Federal Bank, Turtlemint). Once you leave our website, we are not responsible for the content, privacy policies, or terms of use of those third-party sites.

5. Limitation of Liability

Imparc Institute shall not be held liable for any direct, indirect, or consequential damages arising from the use of our services, including but not limited to loan processing delays or insurance claim rejections.

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