Terms & Conditions

Terms and Conditions

Welcome to Jeevan Suraksha Social Security Collective. By accessing and using our website, you agree to the following terms and conditions. Please read them carefully. If you do not agree with these terms, please do not use our website.

Terms, Conditions, Declaration & Member Consent
Effective Date: 23 March 2025

Jeevan Suraksha Social Security Collective (“Jeevan Suraksha” or “the Scheme”) is a voluntary, community-based mutual aid initiative operated by Health Guard Foundation (“the Trust”) through its official portal www.jeevansuraksha.org
.By enrolling as a member, I hereby declare, consent, and agree to the following Terms and Conditions:

1. Declaration & Voluntary Participation

I confirm that I am voluntarily joining the Jeevan Suraksha Social Security Collective of my own free will, without any coercion, inducement, or misrepresentation.

I fully understand that Jeevan Suraksha is a mutual aid and social security collective, based on solidarity and voluntary contributions among members.

2. Nature of the Scheme (Important Disclosure)

Jeevan Suraksha is NOT an insurance policy, NOT a guaranteed benefit scheme, and NOT regulated by IRDAI or any insurance authority.

This Scheme operates purely on a contribution-based mutual support model.

There is no assured or fixed payout, including but not limited to ₹1 crore, ₹50 lakhs, or ₹25 lakhs.

3. Eligibility

Membership is open to:

Indian citizens residing in Telangana or Andhra Pradesh, or

Permanent residents of Telangana or Andhra Pradesh working anywhere in the world.

Additional conditions:

Age eligibility: 18 to 60 years at the time of enrolment

Applicant must not be terminally ill at the time of joining

Membership is subject to verification

The Trust reserves the right to:

Reject ineligible or fraudulent applications

Refund the amount in case of rejection

Verification timeline: up to 7 days
Refund timeline (if rejected): up to 21 days

4. Membership Rules

Membership is personal and non-transferable

Only one active membership per person is permitted

Duplicate or false applications will be rejected

Switching membership categories requires prior written approval

Members must submit valid:

Identity proof

Age proof

Nominee details

Additional documents may be requested during verification.

5. Contributions & Financial Assistance

Financial assistance to a nominee is entirely dependent on contributions collected from active members at the time of claim

The nominee shall receive only the actual amount collected

If the indicative or expected amount is not fully collected, no additional amount shall be paid

The Trust does not guarantee any minimum payout

6. Annual Membership & Administrative Fee

Members agree to pay an annual membership and administrative fee of ₹100 (Rupees One Hundred only).

This fee:

Is collected solely for administrative, operational, technology, audit, and compliance expenses

Is non-refundable

Is not linked to any contribution, claim, or benefit under the Scheme

7. Member Responsibilities

Members agree to:

Make timely contributions whenever a valid request is raised

Provide true, complete, and accurate information

Abide by Scheme Rules, Trustee decisions, and guidelines

Act in good faith and maintain integrity and discipline within the collective

Failure to contribute may result in:

Suspension or termination of membership

Re-joining requires clearing all outstanding dues

8. Fund Utilization

All contributions collected are used exclusively for:

Disbursement to nominees of deceased members, subject to Scheme Rules

No part of the contribution pool shall be treated as profit or personal gain.

9. Exclusions for Payout

No assistance shall be payable in cases involving:

Suicide

Nominee’s involvement in the member’s death

Fraud, misrepresentation, or foul play

Any circumstance determined ineligible by the Trustees

10. Claim Process

In the event of a member’s death, the nominee must notify the Trust through the official website or helpline

If the cause of death is under legal or police investigation, payout shall be withheld until official clearance

11. Voluntary Withdrawal

Members may withdraw at any time

Contributions already made are non-refundable

Re-joining requires settlement of all arrears and compliance with prevailing rules

12. Membership Cap

Each collective group may be capped at 25,000 members

Additional groups may be formed at the Trust’s discretion

13. Limitation of Liability

The Trust, Trustees, office bearers, and volunteers shall not be personally liable for any shortfall in collections

Members shall not claim any amount beyond what is expressly provided under the Scheme Rules and Trustee resolutions

14. Amendments

The Trust reserves the right to amend Scheme Rules, contribution structure, or administrative processes from time to time

All amendments shall be binding on members

The Scheme operates strictly in accordance with the Trust Deed of Health Guard Foundation and applicable Indian laws

15. Dispute Resolution

Any dispute shall be reviewed by the governing committee of the Trust

The committee’s decision shall be final and binding

16. Final Affirmation

I confirm that:

I have read, understood, and accepted all Terms, Scheme Rules, Trustee resolutions, and disclaimers

I understand the risks, limitations, and nature of this mutual aid scheme

All information provided by me is true and correct to the best of my knowledge

By proceeding with membership, I acknowledge and agree to be legally bound by the above Terms & Conditions.