| Status | Severity | Rule | Category | Details |
|---|---|---|---|---|
| fail | high | DISCLOSURE-001 Material terms, risks, fees, and exclusions must be disclosed transparently |
transparency | LLM verdict via openai/gpt-oss-120b (confidence 0.88; batch) evidence: Page highlights benefits and add‑ons but does not disclose key risks, exclusions, or detailed fee structures; material terms are buried or omitted. Fix: Add clear, legible sections outlining policy exclusions, risks, fees, and conditions for any guaranteed benefits. |
| pass | high | PRIV-001 Site must have a Privacy Policy |
legal | required page found (url) page: https://www.hdfcergo.com/disclaimer-and-privacy-policy/dpp evidence: https://www.hdfcergo.com/disclaimer-and-privacy-policy/dpp |
| pass | high | CLAIM-001 No absolute / risk-free guarantee claims |
marketing | no prohibited content found |
| pass | high | CLAIM-002 No unsubstantiated superiority or superlative claims |
marketing | LLM verdict via openai/gpt-oss-120b (confidence 0.95; batch) evidence: No superlative or superiority language such as "best" or "number 1" is present; statements are descriptive of features. |
| pass | medium | TERMS-001 Site must have Terms & Conditions / Terms of Service |
legal | required page found (url) page: https://www.hdfcergo.com/terms-conditions/terms evidence: https://www.hdfcergo.com/terms-conditions/terms |
| pass | medium | CONTACT-001 Site must provide a way to contact the business |
transparency | required page reference found (text) evidence: மிழ் తెలుగు Call To Buy: 080-41763550 Contact Us * Buy * Renew * Claims * Help * 0% GS |
| pass | medium | COOKIE-001 Site should mention cookie usage / consent |
privacy | required content found evidence: ntact me before 10pm. I agree that this consent will override my NDNC registration. Ne |
| pass | medium | TONE-001 Marketing claims must not be misleading or deceptive |
marketing | LLM verdict via openai/gpt-oss-20b (confidence 0.95; batch) evidence: Standard coverage descriptions without exaggerated claims |
| pass | medium | URGENCY-001 No manipulative urgency, scarcity, or pressure tactics |
marketing | LLM verdict via openai/gpt-oss-20b (confidence 0.97; batch) evidence: No countdown timers, scarcity language, or urgency prompts |
| pass | low | COPY-001 Site should display a copyright notice |
transparency | required content found evidence: June 26. Terms and Conditions Applied. © HDFC ERGO General Insurance Company Lim |
| pass | low | CONTACTINFO-001 Site should expose an email or phone contact |
transparency | required content found evidence: heri (East), Mumbai – 400 059. E-mail shubhradip.bose@hdfcergo.com Telephone 022-66383600 ###### Debent |
Generated by the Website Compliance Auditor (POC).