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Terms of Use

Welcome to Bimadirect (, a state of the art internet based business to consumer (B2C) direct comparison and retail program for distribution of Insurance products to customers in India.

The website has been built to provide benefit/price comparison, choice of channel and objective/unbiased advice to its users/visitors on matters related to Life and General insurance. In order to be able to do so, we have associated with all major Insurance companies in India and make every effort to ensure that information regarding their products is accurate and updated. However, we advise the users to also cross-verify and examine all such information directly with the respective Carriers. The mere availability of information on doesn’t hold any of its Directors or stakeholders, employees or officers liable for any of the users’ risk coverage or investment decisions, and he/she is solely responsible for all decisions made on the basis of such information. By using our website, you agree to be bound by terms and conditions on this page.

Registration with Bimadirect

By using, visiting any of our pages and/or registering yourself with us, you authorize us and our associates/partners to contact you through your preferred mode of communication. This will stand true irrespective of your registration with Do Not Disturb or Do Not Call or any other similar service. We might contact you to share information about products or services of our associates, any new services or features on Bimadirect and/or in response to a request placed by you on our website. When you register with us, we seek your personal and contact details (Name, e-mail, mobile, birth date, city, etc), so you are no longer anonymous to us. However, we take every care that such personal data is not shared with any outsider except being accessible to certain associates/partners or Legal authorities on a ‘need to know’ basis.

Third Party Advertising

We do not use web space on Bimadirect for providing third party advertisements. We make sure that any user’s personal information is not shared with third parties unless specifically agreed to by the user.

Limitation of Liability

Bimadirect shall not, under any circumstances, be liable for any special, consequential, indirect, incidental or punitive damages of any kind or character, including but not limited to loss of profits or revenues, loss of product and loss of use arising out of or related to any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure.

Evidence of Transaction

In respect of any transactions which may be permitted by Bimadirect via its website (in integration with associate Insurance company website) from time to time, Bimadirect’s own records of such transactions maintained through computer systems or otherwise, shall be accepted as conclusive evidence and binding on the user for all purposes. More particularly, the record of Bimadirect generated by the transaction(s), including the recording of the time of transaction(s), shall be conclusive proof of the genuineness & accuracy of such transactions.

Force Majeure

Bimadirect shall not be liable if any transaction does not materialize or may not be completed or for any failure on its part to perform any of its obligations under these terms and conditions or those applicable specifically to any services, if the same is prevented, hindered or delayed by a Force Majeure and in such case its obligations shall be suspended for so long as the Force Majeure event continues. “Force Majeure” means any event due to any cause beyond the reasonable control of Bimadirect, including without limitations, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, faults or failures in telecommunication, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, computer hacking, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, unauthorized access to computer data and storage devices, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, etc.


The user shall indemnify, defend and hold harmless Bimadirect (including its officers, directors, employees, affiliates, group/promoter companies, agents, representatives or subcontractors) from any and all claims and losses imposed on, incurred by or asserted as a result of or related to:

  • the user’s access and use of this website;
  • any non-compliance with the terms and conditions hereof;
  • any third party actions related to their receipt and use of the information, whether authorized or unauthorized;
  • misuse of their user ID and password;
  • any unauthorized use of this website by the user or someone using his/her computer.

The user shall be liable to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, and action or proceeding attributable to any such claim.

International Use

Neither we nor our affiliates make any representation that this website and its content are appropriate or available for use in locations outside India. Those who choose to access this site from other locations are responsible for compliance with any applicable local laws.

Choice of law

Any dispute arising hereto shall be governed by Indian laws and shall be subject to the jurisdiction of courts at Hyderabad, Telangana.

We reserve the right to modify this terms of use at any time. Any such modifications shall be effective upon posting on this website. To use our website, you must be of legal age to enter into a binding contract and not be prohibited from using the services by the laws of the jurisdiction from which you access the services.

Bimadirect Team

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