No contract for products or services is authorized by Thandi Insurance Brokerage unless the contract is submitted to and approved by a member of the management team. Those authorized managers who may give approval are Jessie Thandi, Sunny Sahota, Geet Prasad and Pavan Bains. Any approval by e-mail must come from a company e-mail account to be effective. The Company expressly disclaims any obligation unless these terms are met.