Terms of Use

Terms of Use

Concourse Consultancy Services Pvt. Ltd. operates the website https://www.bimabirbal.com/ (the “site”) to provide consumers a seamless way to choose and buy Insurance products from multiple Insurance companies. Zoom is not an insurance company. Zoom is a licensed Insurance Broking Company holding a Broking licence from the Indian Insurance Regulator - Insurance Regulatory and Development Authority of India.

The trade logo “Bima Birbal” and the URL https://www.bimabirbal.com/ is owned by Concourse Consultancy Services Pvt. Ltd.(trade mark owner) and the same is used here. The services provided by the site are subject to the following conditions. Before you may use the site, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use.

Terms & conditions acceptance

Please read these Terms and Conditions (hereafter referred to as “Terms of use”) carefully. Your Acceptance of the Terms of Use contained herein constitutes the Agreement for the Purpose as defined hereunder.

By visiting our site and accessing the information, resources, services, products, and tools we provide, you have confirmed that you have read, understand and agree to accept and adhere to the following terms of use, along with the terms and conditions as stated in our Privacy Policy (please refer to the Privacy Policy section for more information).

This Agreement describes the terms governing the usage of the facilities provided to you on the site. Clicking "I Agree" to "Terms & Conditions", shall be considered as your electronic acceptance of this Agreement under Information Technology Act, 2000 (as amended from time to time). Your continued usage of the facilities from time to time would also constitute acceptance of the Terms of Use including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.

Your electronic consent, accepting these Terms of Use, represents that you have the capacity to be bound by it, or if you are acting on behalf of any person, that you have the authority to bind such person.

Responsible use and conduct

By visiting our website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as 'Resources'), you agree to use these Resources only for the purposes intended as permitted by (a) the terms of use, and (b) applicable laws, regulations and generally accepted online practices or guidelines. Wherein, you understand that:

  • You may be required to provide certain information about yourself (such as identification, contact details, etc.) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date.
  • You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.
  • We strongly prohibit the accessing (or attempting to access) any of our Resources by any means other than through the means we provide. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means.
  • Involving in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.
  • Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited.
  • You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.
  • We may provide various open communication tools on our website or linked social media accounts, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews. You understand that generally we do not monitor the content posted by users of these various tools, which means that it your personal responsibility to use these tools in a responsible & ethical manner. You also agree that you will not upload, post, share, or otherwise distribute any content that:
    • Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language;
    • Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;
    • Impersonates any person or entity, including any https://www.bimabirbal.com/ employees or representatives.
    • Contains any type of unauthorized or unsolicited advertising;
  • We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with these terms of use, along with any content that we feel is otherwise inaccurate, or violates any 3rd party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us.
  • We do not hold any liability for any content posted by you or any other 3rd party users of our website. However, any content that doesn’t violate or infringe any 3rd party copyrights or trademarks posted by you using any open communication tools on our website, becomes the property of Zoom, and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our Resources. All information provided as part of our registration process is covered by our privacy policy.
Privacy

Your privacy is very important to us, which is why we've created a separate Privacy Policy in order to explain in detail how we collect, manage, process, secure, and store your private information. Our privacy policy is included under the scope of these terms of use.

Indemnity

You hereby agree to indemnify, defend and hold bimabirbal.in and its directors, officers, POSP, owners, employees, information providers, licensors and licensees (collectively, the “Indemnified Parties”), affiliates harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach of the Agreement or the foregoing representations, warranties and covenants, without limitation, attorneys’ fees and costs. You shall cooperate in complete absolute manner when required in the defense of any claim. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under these terms of use. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Promotional Offers

From time to time, you may receive announcement about new products and offers with intent to promote this site and/or facilities/products of listed insurance companies (“Promotional Offers”). The Promotional Offer(s) would always be governed by these Terms of Use plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms of Use, to the extent they may be in conflict with these Terms of Use. The Website reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

Electronic Communications

You agree to receive any notices or other communications about the products from the site in electric form. Electronic communications may be posted on the site and/or delivered to your registered email address, mobile phones etc either by listed insurance companies or by Zoom with whom the services are availed. All communications in electronic format will be considered to be in "writing". Your consent to receive communications electronically is valid until you revoke your consent by notifying of your decision to do so. If you revoke your consent to receive communications electronically, the insurance companies or Zoom shall have the right to terminate the facilities.

Limitation of warranties

Although all efforts are made to ensure that information and content provided as part of this site is correct at the time of inclusion on the site, however there is no guarantee to the accuracy of the Information. This site makes no representations or warranties as to the fairness, completeness or accuracy of Information. There is no commitment to update or correct any information that appears on the Internet or on this site.
By using this site, you understand and agree that all resources we provide are "as is" and "as available". This means that we do not represent or warrant to you that:

  • The use of our resources will meet your needs or requirements
  • The use of our resources will be timely, uninterrupted, secure, or free from errors
  • The information obtained by using our resources will be reliable or accurate
  • Any defects in the operation or functionality of any resources we provide will be repaired or corrected

Limitation of liabilities

In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that this site is provided to you on an "as is" and "where-is" basis, without any warranty. Zoom will not be liable to you or any third party for any damages of any kind, including but not limited to, direct, indirect, incidental, consequential or punitive damages, arising from or connected with the site, including but not limited to, your use of this site or your inability to use the site or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.
Further, Zoom and the providers of information shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained at this site.

Copyrights and trademarks

All content and material available on https://https://www.bimabirbal.com/, including but not limited to the trademarks, logos, text, graphics, website name, code, images and service marks ("Marks") displayed on the Site are the intellectual property of Zoom and are protected by applicable copyright and trademark law. You are prohibited from using any Marks of this site for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Zoom or such third party which may own the Marks. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes unless specifically authorized by Zoom.

Termination of use

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this Terms of Use. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the Resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

Exclusive Agreement

You agree that these Terms of Use are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and insurance companies and its Third-Party Service Providers or processor bank/merchants relating to the subject matter of these Terms of Use. These Terms of Use, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the site and/or the processor bank..

Use of cookies

You agree and understand that the Website will automatically receive and collect certain anonymous information in standard usage logs through the Web server, including computer/computer resource-identification information obtained from "cookies" sent to your browser from a web server or other means as explained in the Privacy Policy.

Modification in these terms of use

We reserve all the rights, at any time, at our sole discretion, to change or otherwise modify the Terms of Use without any prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified Terms of Use.

Governing Law

This site is controlled by Zoom from our office located in Gurugram, and we specifically prohibit you from usage of any of its facilities in any countries or jurisdictions that do not corroborate to all stipulations of these Terms of Use, although, this site can be accessed in most countries around the world.
As each country has laws that may differ from those of Gurugram, by accessing our site, you agree that the statutes and laws of Haryana without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the purchase of any products or services through this site. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Gurugram having exclusive jurisdiction.

These Terms and Conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these Terms of Use or any dispute arising in relation to the site whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Gurugram, India for the resolution of all such disputes.

Guarantee

Unless otherwise expressed, Zoom expressly disclaims all warranties and conditions of any kind, whether expressed or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose, and non-infringement.

Refund & Cancellation Policy

You understand that Bima Birbal has tied up with payment gateways authorized by the Reserve Bank of India to allow you to make online payments towards your insurance premium amount or any other payment related to the services and is only acting as a mere facilitator and providing its assistance to its customers for speedy refunds.

The premium paid towards an insurance policy directly goes to the respective insurance company, and if you want to cancel or request a refund of the policy, you need to get in touch with your insurance company. And all requests are subject to the underwriting guidelines of the insurance company. There will be some cancellation charges that shall be deducted from the refund amount and the refund process may take 30 days or more. All payments with respect to refunds shall be the sole responsibility of the insurer per the rules and regulations laid down by the IRDAI.

We encourage all our customers to read the insurance policy document & terms & conditions carefully to avoid any damage. However, in case you wish to get more information, you can contact us at help@zoominsurancebrokers.com