Last Updated: [01-10-2025] 

These Terms and Conditions (“Terms”) govern your access to and use of the digital platform  operated by BIMAPAY, a company incorporated under the laws of India, (“Company”, “we”,  “us”, or “our”). The platform includes the website located at BimaPay – Easy way to get  financing for insurance premiums (the “Platform”). 

By accessing, browsing, or using the Platform, You (“User”, “you”, or “your”) acknowledge  that you have read, understood, and agreed to be bound by these Terms. If you do not agree to  these Terms, you must refrain from using the Platform.

 

1. MODIFICATIONS OF TERMS OF USE, SITE OR SERVICES 

1.1. The Company reserves the right, at its sole discretion, to modify, amend, update, suspend,  or discontinue any part of these Terms, the Platform, or the Services offered therein, at any time  and without prior notice. 

1.2. Any changes to the Terms shall become effective immediately upon posting on the  Platform. Your continued use of the Platform following such changes shall constitute your  acceptance of the revised Terms. 

1.3. It is your responsibility to periodically review these Terms to stay informed of any updates  or modifications. 

2. CONTENT 

2.1. All content available on the Platform, including but not limited to text, graphics, logos,  icons, images, audio clips, video clips, data compilations, software, and digital downloads  (“Content”), is the property of the Company and is protected under applicable intellectual  property laws. 

2.2. You may not reproduce, distribute, modify, transmit, reuse, download, repost, copy, or use  the Content for commercial purposes without the prior written consent of the Company. 

2.3. The Company reserves the right to remove, alter, or restrict access to any Content at its  sole discretion. 

3. ELIGIBILITY 

3.1. You represent and warrant that you are a natural or legal person who is competent to  contract under the Indian Contract Act, 1872, and are at least 18 (twenty-one) years of age.

3.2. The Company reserves the right to deny access to the Platform or terminate any account if  it is discovered that you are not eligible to contract or have provided false, misleading, or  incomplete information. 

4. USER SUBMISSIONS 

4.1. Any content, feedback, ideas, suggestions, proposals, plans, or other materials submitted  by you to the Company, whether solicited or unsolicited (“Submissions”), shall become the  property of the Company. 

4.2. You grant the Company a perpetual, irrevocable, royalty-free, worldwide license to use,  reproduce, modify, adapt, publish, translate, distribute, and display such Submissions in any  format or medium. 

4.3. You represent that your Submissions do not infringe upon any third-party rights and do not  contain unlawful, defamatory, or malicious content. 

5. PROHIBITED ACTIONS 

5.1. You agree not to engage in any activity that is unlawful, unauthorized, or otherwise  prohibited under these Terms, including but not limited to: 

∙ Accessing the Platform through unauthorized means; 

∙ Transmitting viruses, malware, or harmful code; 

∙ Harvesting or collecting personal data of other Users; 

∙ Impersonating any person or entity; 

∙ Violating intellectual property rights; 

∙ Engaging in fraudulent, abusive, or deceptive conduct; 

∙ Circumventing security features or access controls; 

∙ Using automated tools to extract data from the Platform. 

5.2. The Company reserves the right to suspend or terminate your access to the Platform, along  with mandated legal action, for any violation of this clause. 

6. LINKS TO THIRD-PARTY SITES 

6.1. The Platform may contain links to third-party websites or applications. These links are  provided solely for your convenience and do not constitute an endorsement or recommendation  by the Company.

6.2. The Company does not control and is not responsible for the content, accuracy, legality, or  reliability of any third-party sites. 

6.3. Your interaction with any third-party site is governed by the terms and policies of that site,  and the Company shall bear no liability in this regard. 

7. WARRANTIES AND DISCLAIMERS 

7.1. The Platform and Services are provided on an “as is” and “as available” basis. The  Company disclaims all warranties, express or implied, including but not limited to warranties  of merchantability, fitness for a particular purpose, and non-infringement. 

7.2. The Company does not warrant that: 

∙ The Platform will meet your requirements; 

∙ The Platform will be uninterrupted, timely, secure, or error-free; 

∙ Any errors or defects will be corrected. 

7.3. You acknowledge that any material downloaded or obtained through the Platform is done  at your own risk, and you shall be solely responsible for any damage to your device or loss of  data. 

8. LIMITATION OF LIABILITY 

8.1. To the maximum extent permitted by law, the Company shall not be liable for any direct,  indirect, incidental, special, consequential, or exemplary damages, including but not limited to  loss of profits, goodwill, data, or other intangible losses, arising out of or in connection with: 

∙ Your use of or inability to use the Platform; 

∙ Unauthorized access to or alteration of your data; 

∙ Any third-party conduct on the Platform; 

∙ Any other matter relating to the Platform. 

8.2. In any event, the Company’s total liability shall be limited to the amount actually paid by  you to the Company for the specific Service giving rise to the claim. 

9. SEVERABILITY 

9.1. If any provision of these Terms is held to be invalid, illegal, or unenforceable under  applicable law, such provision shall be severed from the Terms, and the remaining provisions  shall remain in full force and effect.

10. LIMITATIONS OF CLAIMS 

10.1. Any claim or cause of action arising out of or related to the use of the Platform or these  Terms must be filed within Six (6) months after such claim or cause of action arose, failing  which it shall be permanently barred. 

11. GOVERNING LAW AND JURISDICTION 

11.1. These Terms shall be governed by and construed in accordance with the laws of India. 

11.2. Any disputes arising out of or in connection with these Terms shall be subject to the  exclusive jurisdiction of the courts located in Delhi, India and the language shall be English.  

12. GENERAL 

12.1. These Terms constitute the entire agreement between you and the Company with respect  to the Platform.  

12.2. No waiver of any provision of these Terms shall be deemed a further or continuing waiver  of such provision or any other provision. The Company’s failure to enforce any right or  provision under these Terms shall not constitute a waiver of such right or provision. 

13. GRIEVANCE REDRESSAL 

13.1. In accordance with applicable laws, including but not limited to the Information  Technology Act, 2000 and the rules framed thereunder, BimaPay (“Company”) has designated  a Grievance Officer to address complaints, concerns, or grievances raised by Users in relation  to the use of the Platform, the Services, or any content therein. 

13.2. Any User who has a grievance, concern, or complaint regarding the Platform, including  but not limited to issues relating to content, data handling, privacy, or service delivery, may  submit such grievance in writing to the designated Grievance Officer at the following contact  details: 

Name of Grievance Officer: Abhishek Kumar Singh 

Email Address: compliance@bimapay.in 

Contact Number: +91 9289610087 / 9818852989 

13.3. The Company shall make best efforts to acknowledge and respond to the grievance  within 28 working days from the date of receipt. Resolution timelines may vary depending on  the nature and complexity of the grievance.