Terms and Conditions

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Terms and Conditions

Welcome to the okbima.com official website! The okbima team maintains the website to provide customers with a selection of insurance products and a simple way to purchase them from various insurance businesses. The company is a licensed insurance broker having a brokerage license from the Insurance Regulatory and Development Authority of India (IRDAI).

There are a number of services offered on this website, but in order to use them, you must adhere to a number of conditions. It is important that you carefully read and accept all of the terms and conditions mentioned in this document, as well as the related Privacy Policy and other Legal and Admin Policies.

We strongly advise you to access and read the linked information in addition to this page because it is a crucial part of these terms and conditions. By using any service or functionality on this website, you automatically accept and agree to comply with these terms and conditions.

You can not use the website in any way if you do not agree to these Terms and Conditions and the Privacy Policy. To see the most recent version of the terms and conditions, be sure to frequently visit this page. We reserve the right to update or modify the Terms and Conditions at any time without prior notice to you. If you keep using the website after we make changes, it means you accept the new Terms & conditions.

Okbima reserves the right to terminate your access to the website or your account if you violate the Privacy Policy, Terms & Conditions, or other Legal and Admin Policies while using the website. Additionally, if the data you gave doesn't follow the rules, we might remove it.

By accepting these Terms and Conditions, you allow okbima to represent you and interact with the insurance company on your behalf. They will contact you once the insurance has been secured for you.

Description of Services

Users of Okbima's website can obtain details on various financial and insurance goods and services here. These include general insurance, life insurance, and related services. You'll need the required tools, such as a computer or smartphone, to access the website. You are expressing your interest in using and paying for the services you've selected by using this website and giving your personal and contact information.

When you express an interest in particular products or services, okbima may contact you via email or phone to better understand your needs and fulfill your requests. They might also disclose your information to their affiliates and partners, who could then get in touch with you by phone, email, or SMS to share information or pitch you products. By accepting these terms, you grant okbima permission to send you advertising materials or special offers through email or SMS.

License and Site

okbima grants you a limited license to access and use their website. With the information on the site, there are some things you cannot do. You cannot, for example, download or duplicate the data for someone else's use. On our website, we may offer a variety of open communication options, such as blog comments, blog posts, public chat forums, message boards, newsgroups, product ratings and reviews, and numerous social networking services. Therefore, you are not allowed to post the content of the website on other websites or create unauthorized links to it.

Okbima has safeguards in place to prevent unauthorized access to the site, and you must not attempt to avoid these safeguards. If you misuse the site, your license to access and use it may be terminated. It's important to utilize the website sensibly and without any commercial intent. It's important to adhere to the guidelines established by okbima and avoid engaging in any dishonest or speculative actions on the site. You should also avoid using automated methods to access, monitor, or duplicate the site's content without permission. Furthermore, without okbima's written approval, you are prohibited from using any part of our website on another website.

Eligibility

You must fulfill certain requirements in order to use the services offered by okbima. First of all, the service is not accessible to users who are under the age of 18, as well as those who have been suspended or removed from the platform by okbima for any reason. It's crucial to remember that each user is only permitted to have one active account.

You will not be able to use the service or access the website if you do not match the eligibility conditions.

For all users to have a secure and dependable experience, some qualifying requirements are in place. It's important to follow these guidelines and recognize that they serve the interests of all parties.

Your Account

You must comply with a number of requirements in order to use the okbima website.

  • To begin, you must be of legal age to sign a binding contract and not be prohibited from receiving services under the laws of India or any other applicable jurisdiction.
  • You should only make lawful purchases using the website, either for yourself or for another person you have the legal right to represent. The terms of use and privacy policy that relate to their purchase must be explained to them if you are making a purchase on someone else's behalf.
  • You also agree to provide true, accurate, current, and complete information about yourself as requested by the website or app. If you give okbima fraudulent or incomplete information, or if okbima has reasonable grounds to believe that the information you provided is false, okbima has the right to suspend or terminate your account and prevent your access to the website.
  • It's important to protect the privacy of your account information and password when using the website, as well as to limit who has access to your personal device. You are responsible for any activity that occurs under your account, thus it is recommended that you log out at the conclusion of each session.
  • You must notify okbima immediately if you discover any unauthorized use of your account or security breach. We have the authority to reject service, terminate accounts, or change content at our own risk.

To ensure a seamless and reliable experience while using the okbima website or mobile application, it is important that you abide by these terms and conditions.

Submitted Content

The okbima website does not own any of the materials you share. We have the right to modify and/or fully incorporate those content into their offerings. By posting materials on the website, you grant okbima a continuous, permanent, non-exclusive license to use, copy, distribute, display, edit, and create new works incorporating those materials.
Additionally, we have the right to sublicense them and mention you in relation to the content. You attest that your contents don't contain anything that isn't yours and that you have the authority to offer this license.

Also, okbima is not responsible for the content you provide, and they may choose which comments or content to publish. If you don't agree with these conditions, don't share any stuff. You are accountable for the material you post and are prohibited from disseminating any illegal, threatening defamatory, obscene, or commercial content. It's also important to respect other people's copyrights, trademarks, patents, and other rights. Any infractions could lead to harm for which you would be responsible.

Disclaimer of Liability and Warranty

The information, products, and services on the okbima website may contain typos or errors. We are not liable for any errors or inaccuracies and cannot guarantee that the information supplied is accurate. Any pricing mistakes on the website and incorrectly priced reservations are subject to correction. Okbima makes no claims that the data, programs, goods, and services available on the website are appropriate for any particular use.
We do not necessarily support or encourage any items or services that are listed on the website. Everything that is offered, including data, software, goods, and services, is supplied "as is" with no guarantees. We disclaim all responsibility for any harm caused by independent service providers' mistakes, negligence, or other conduct.

We are not liable for any delays, cancellations, or additional costs incurred as a result of situations beyond our control. Any damages resulting from your use of the website are not in any way the responsibility of okbima.

Cancellation/ Refund

Canceling and Getting a Refund within the Free Look Period
IRDAI regulations state that you have the option to terminate your insurance coverage within 15 days of the day you get it online (referred to as the "Free look period"). If you have a Life or Health insurance policy, you can use this Free Look facility, provided you meet certain conditions set by IRDAI. If the terms and conditions don't satisfy your insurance needs, we urge you to utilize the free look option and thoroughly study the insurance policy page.

In the event that you request a cancellation during the Free Look period, the policy is canceled and you are given a full refund of your premium, less any deductions for any necessary medical exams, administrative fees, and charges incurred during the policy's active duration. Please be aware that the insurer determines the deductions.

Guarantees

okbima makes no guarantees until they are specifically mentioned. We expressly disclaim all stated and implied warranties and conditions, including, but not limited to, quality, suitability for a specific purpose, and non-infringement.