Terms & Conditions

Last Updated: 24 October, 2025

These Terms govern your use of www.bimasaathi.in and associated applications (the “Platform”) operated by Nandak Insurance Brokers Pvt. Ltd. (“Bima Saathi”, “we”, “us”, “our”).

By registering or using the Platform you agree to these Terms. If you do not agree, please do not use the Platform.

About our services

• Bima Saathi is a licensed insurance broker (IRDAI Licence No. 978) facilitating the distribution of Life, Health, Motor and other General Insurance products from multiple insurers.

• Quotes, features and premiums are provided by insurers and may change due to underwriting rules and disclosures.

Eligibility & account

• You must be 18+ and legally competent.

• Provide true, complete and current information. Keep credentials confidential; you are responsible for all activities under your account. Notify us of any unauthorised use.

Permitted use

Use the Platform for personal, lawful purposes only. Do not:

• copy, modify, distribute, reverse engineer or create derivative works from Platform content or software;

• upload malware, infringing, defamatory, obscene or unlawful material;

• attempt to bypass security, probe vulnerabilities or interfere with services.

Intellectual property

All content, logos, graphics, UI, software and compilations are owned by us or our licensors and protected by applicable IP laws. No rights are granted except as expressly stated.

Pricing, purchase & renewals

• Final premium, coverage and issuance are determined solely by the insurer.

• We may remind you of renewals; failure to renew results in policy lapse per insurer rules.

• Payments processed via third-party gateways are encrypted. Refunds/cancellations are subject to the insurer’s policy terms and timelines.

Communications consent

By using the Platform, you consent to receive service messages via call/SMS/WhatsApp/email. You can opt out of marketing communications at any time.

Updates & availability

We may update, suspend or discontinue features without notice. We may push security/feature Updates to our apps.

User content & conduct

We may remove content that violates these Terms or law. You agree not to host or share content that is unlawful, harmful to minors, infringes IP, invades privacy, misleads, impersonates, threatens national security, or contains malicious code.

Security & vulnerability reporting

Report any suspected vulnerabilities to support@bimasaathi.in. We appreciate responsible disclosure.

Third-party links

Links to third-party websites/apps are for convenience; we are not responsible for their content or practices.

Indemnity

You agree to indemnify and hold harmless Bima Saathi, its officers and affiliates from claims arising out of your breach of these Terms or misuse of the Platform.

Limitation of liability & warranty disclaimer

The Platform and content are provided “as is” without warranties of any kind. We are not liable for indirect, incidental, consequential or special damages, including loss of profits, data or business, even if advised of the possibility. To the extent permitted by law, our aggregate liability shall not exceed the amount you paid us for services in the three (3) months preceding the claim (excluding insurer premiums).

Governing law & dispute resolution

These Terms are governed by the laws of India. Disputes shall be subject to the exclusive jurisdiction of courts at [Kolkata, West Bengal]. If required, disputes may be referred to arbitration under the Arbitration and Conciliation Act, 1996 (seat Kolkata, language English), before a sole arbitrator appointed per the Act.

Changes

We may modify these Terms at any time by posting an updated version. Continued use signifies acceptance.

Contact: support@bimasaathi.in