Terms and Conditions

Last updated: April 05, 2025

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words with capitalized initials carry specific meanings as defined below. These definitions apply consistently, whether used in the singular or plural form.

Definitions

For the purposes of these Terms and Conditions:

  • Affiliate refers to any entity that directly or indirectly controls, is controlled by, or is under common control with a party. “Control” in this context means ownership of 50% or more of the shares, equity interest, or other voting securities for the appointment of directors or equivalent authority.
  • Country refers to the state of Uttar Pradesh, India.
  • Company (also referred to as “the Company”, “We”, “Us”, or “Our” in this Agreement) refers to Jeevan Bima Bazaar, the entity responsible for operating the Website.
  • Device means any electronic device used to access the Service, such as a desktop computer, mobile phone, or tablet.
  • Service refers to all functionalities, content, and offerings provided through the Website.
  • Terms and Conditions (also referred to as “Terms”) denote this entire agreement that governs the relationship between You and the Company regarding the use of the Service.
  • Third-party Social Media Service means any third-party services, platforms, or content (including information, products, or services) that may be integrated with or accessible through the Website.
  • Website refers to Jeevan Bima Bazaar, available at www.en.jeevanbimabazaar.com.
  • You means the individual user accessing or using the Service, or the organization or legal entity on whose behalf such access or use is being made, as applicable.

Acknowledgment

These Terms and Conditions constitute a legally binding agreement between You and Jeevan Bima Bazaar governing Your use of Our Service.

By accessing or using the Service, You acknowledge and agree to be bound by these Terms and Conditions. These Terms establish the rights and responsibilities of all users concerning their access to and use of the Service.

Your access to the Service is strictly subject to Your acceptance of and compliance with these Terms and Conditions. These Terms apply to all visitors, users, and any other individuals who access or use the Service.

If You do not agree with any part of these Terms and Conditions, You must refrain from accessing or using the Service.

By using the Service, You confirm that You are at least 18 years of age. The Company does not authorize individuals under the age of 18 to access or use the Service.

Additionally, Your access to and use of the Service is subject to Your acceptance of Our Privacy Policy. Our Privacy Policy outlines how We collect, use, and protect Your personal information when You interact with Our Website. It also informs You about Your privacy rights and applicable legal protections.

We strongly recommend that You read Our Privacy Policy carefully before using Our Service.

Links to Other Websites

Our Service may include links to third-party websites or services that are not owned, operated, or controlled by Jeevan Bima Bazaar.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. By using such links, You acknowledge and agree that Jeevan Bima Bazaar shall not be held liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, or in connection with, the use of or reliance on any such content, products, or services available through those external websites or services.

We strongly recommend that You carefully review the Terms and Conditions and Privacy Policies of any third-party websites You choose to visit before engaging with their content or services.

Termination

We reserve the right to terminate or suspend Your access to the Service, at Our sole discretion, immediately and without prior notice or liability, for any reason whatsoever, including but not limited to a breach of these Terms and Conditions.

Upon termination, all rights granted to You under these Terms shall immediately cease, and You must discontinue all use of the Service without delay.

Limitation of Liability

Jeevan Bima Bazaar is an informational platform that provides free content aimed at helping life insurance agents, field officers, and policyholders better understand insurance-related topics. We do not sell any insurance products or services, nor do we charge any fees from users or visitors.

All information available on the Website is provided for general informational purposes only and is used at your own risk. While we strive to ensure the accuracy and timeliness of the content, Jeevan Bima Bazaar makes no warranties or guarantees regarding the completeness, reliability, or suitability of any information on the Website.

Under no circumstances shall Jeevan Bima Bazaar, its owner, representatives, or affiliates be held liable for any direct, indirect, incidental, consequential, or special damages of any kind arising out of or in connection with your access to or use of the Website, or reliance on any information provided herein.

By accessing or using this Website, you acknowledge and agree that Jeevan Bima Bazaar shall not be held liable under any circumstances for any kind of damages, losses, or claims arising directly or indirectly from the use of the Website or the information provided on it. You fully accept that the Website is offered "as is" for informational purposes only, and that all risk associated with its use lies solely with you.

"AS IS" and "AS AVAILABLE" Disclaimer

The information provided on Jeevan Bima Bazaar is made available to You strictly on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind. We do not guarantee that the information will always be accurate, complete, reliable, or up-to-date.

To the fullest extent permitted by law, Jeevan Bima Bazaar disclaims all express or implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no representations or guarantees:

  • That the Website will be available at all times without interruption or error
  • That the content will meet your expectations or specific needs
  • That the Website or its content will be free from viruses, malware, or other harmful components

You understand and agree that your use of the Website is entirely at your own risk. If you are dissatisfied with any portion of the Website or any of these Terms, your sole and exclusive remedy is to discontinue using the Website.

Some laws may not allow certain exclusions of implied warranties, so if such laws apply to you, parts of this disclaimer may not apply. In such cases, this disclaimer shall apply to the maximum extent permitted by law.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. By accessing or using this Website, you agree that the laws of India, specifically the jurisdiction of courts located in Uttar Pradesh, shall govern any dispute arising between you and the Company, without reference to any principles of conflicts of laws.

Your use of the Service may also be subject to other applicable local, state, national, or international laws, depending on your location and the nature of usage.

Dispute Resolution

If You have any questions, concerns, or disputes related to the use of the Service, You agree to first attempt to resolve the issue informally by contacting Us at our official communication channel. We are committed to addressing user concerns in a fair, timely, and transparent manner.

In the unlikely event that the dispute cannot be resolved informally, You agree that such disputes shall be subject to the exclusive jurisdiction of the competent courts located in Uttar Pradesh, India, and shall be governed in accordance with the laws of India.

Intellectual Property and Ownership

All content available on the Website, including but not limited to text, images, graphics, logos, icons, audio clips, digital downloads, data compilations, layout, visual design, and software, is the exclusive property of Jeevan Bima Bazaar, unless otherwise stated.

The content is protected by applicable copyright, trademark, and other intellectual property laws of India.

You may not reproduce, distribute, modify, display, perform, publish, license, create derivative works from, transfer, or sell any content or intellectual property from this Website without prior written consent from the Company.

Unauthorized use of any content, logo, or design for commercial or personal purposes is strictly prohibited and may result in legal action.

User Feedback and Suggestions

By submitting any feedback, suggestions, ideas, or other information regarding the Website or Service ("Feedback"), You agree that:

  • Such Feedback is not confidential and shall become the sole property of Jeevan Bima Bazaar.
  • We shall be free to use, reproduce, disclose, modify, publish, or redistribute the Feedback for any purpose, without restriction and without any compensation, credit, or acknowledgment to You.
  • You waive any rights you may have in the Feedback and confirm that your submission does not violate the rights of any third party.

We always welcome suggestions to improve our Service, but we are under no obligation to act upon or respond to any Feedback provided.

For European Union (EU) Users

If You are a resident of the European Union, You will benefit from any mandatory provisions of the law of the country in which You are a resident.

Nothing in these Terms and Conditions, including the "Governing Law" clause, affects Your rights as a consumer to rely on such mandatory local law provisions.

United States Legal Compliance

You represent and warrant that:

  • You are not located in a country that is subject to a United States government embargo, or that has been designated by the United States government as a "terrorist-supporting" country; and
  • You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified and interpreted in a manner that most closely reflects the original intent of the provision, and the remaining provisions shall remain in full force and effect.

Waiver

Except as expressly stated in these Terms, the failure of either party to exercise a right or to require the performance of an obligation under these Terms shall not affect that party’s ability to exercise such right or require such performance at any time in the future. A waiver of any breach shall not constitute a waiver of any subsequent breach.

Data Usage, Cookies, and Advertising Disclosure

For information about how we collect, use, and share your data, including through cookies and advertising services such as Google AdSense, please refer to our Privacy Policy.

Translation Interpretation

These Terms and Conditions may have been translated into other languages for your convenience. However, in the event of any dispute, discrepancy, or inconsistency between the translated version and the original English version, the English version shall prevail and be considered the official and binding version.

Changes to These Terms and Conditions

We may update or modify these Terms and Conditions at any time at Our sole discretion. If we make material changes to these Terms, we will make reasonable efforts to provide notice at least 7 days before the new terms take effect. What qualifies as a "material change" will be determined solely by Us.

By continuing to access or use the Website or our Services after any revisions become effective, You agree to be bound by the updated Terms. If You do not agree to the revised Terms, in whole or in part, please discontinue use of the Website and the Services.

Contact Us

If you have any questions, concerns, or feedback regarding these Terms and Conditions, You may contact us using the following methods:

  • By Email: riteshlicadvisor01@gmail.com
  • By Contact Form: https://en.jeevanbimabazaar.com/p/contact-us.html

We will make reasonable efforts to respond to your inquiries in a timely manner.