Terms of Use

1. Description of Services

Through the Website, Okbima provides users with access to information and services relating primarily to insurance products and related services.

These services may include information and assistance relating to:

• General insurance products
• Life insurance products
• Health insurance products
• Motor insurance products
• Travel insurance products
• Related insurance services, including renewals

The services provided through the Website are referred to as the "Service".

You are responsible for arranging the internet connection, device, software and other equipment needed to access the Website. Any charges relating to your internet connection, mobile network or other third-party services are your responsibility.

By using the Website and providing your personal or contact information, you confirm that you are interested in the insurance product or Service you have selected.

You agree that Okbima may contact you by phone, email, SMS, WhatsApp or other available electronic means to:

• Understand your insurance requirement
• Provide information about the selected product or Service
• Assist with your request
• Provide renewal reminders
• Provide relevant service updates
• Help complete your insurance requirement

You also agree that, where permitted by applicable law, Okbima may share your details with its affiliates, partners or service providers for purposes connected with the Service. Such parties may contact you by phone, email, SMS or other permitted communication channels regarding relevant products or services.

You may also receive promotional information, offers or other marketing communication from Okbima through permitted communication channels, subject to applicable law and your communication preferences.

2. Website Access and Limited Licence

Okbima gives you a limited right to access and use the Website and its Services for your personal and legitimate requirements.

This permission does not allow you to:

• Download or copy Website information for the benefit of another person, business, vendor or third party without permission
• Copy or reproduce Website content for unauthorised use
• Create unauthorised links to the Website
• Frame or display Website content within another website without written permission
• Upload, post or transmit content that you do not have the legal right to share
• Upload or transmit viruses, malicious software or harmful computer code
• Take any action that places an unreasonable or excessive load on the Website or its systems
• Use data mining, robots, spiders, scrapers or similar tools to collect information from the Website without permission
• Bypass or attempt to bypass any security or access restrictions used by Okbima
• Use the Website or its content for an unauthorised commercial purpose
• Make false, fraudulent or speculative transactions
• Monitor, copy or collect Website content through automated or manual methods without written permission
• Ignore or bypass restrictions contained in robot exclusion instructions or other access controls
• Create deep links to any part of the Website, including any purchase or application process, without written permission
• Frame, mirror or otherwise reproduce any part of the Website on another website without prior written authorisation

Any unauthorised use of the Website will immediately end the permission granted to you under these Terms.

3. Eligibility

The Services are not available to persons below 18 years of age or to any person whose access to the Website has previously been suspended or terminated by Okbima.

You must meet the legal requirements applicable to enter into a valid agreement and use the Services.

You must not maintain more than one active account where an account is provided by the Website.

You must not sell, transfer, trade or otherwise give your account to another person.

If you do not meet these requirements, you must not use the Website or its Services.

4. Your Account

By using the Website, you confirm that:

• You are legally capable of entering into a binding agreement
• You are not prohibited from receiving the Services under the laws of India or any other applicable law
• You will use the Website only for legitimate insurance-related transactions
• You will provide correct, complete and current information when requested
• You will use your own information or information that you are legally authorised to provide

If you are using the Website to purchase a Service for another person, you confirm that you are legally authorised to act on that person's behalf and will inform that person about the applicable Terms of Use and Privacy Policy.

You agree to provide true, accurate, current and complete information whenever requested by the Website.

If any information provided by you is false, inaccurate, incomplete or outdated, or if Okbima has reasonable grounds to believe that the information is incorrect or incomplete, Okbima may:

• Suspend or terminate your account
• Refuse current or future access to the Website
• Refuse or restrict access to any part of the Services
• Remove or edit information submitted by you

Where an account or password is provided, you are responsible for keeping your account details and password confidential and for preventing unauthorised access to your device or account.

You are responsible for activities carried out through your account or password.

You should log out of your account after each session, particularly when using a shared device.

If you become aware of unauthorised use of your account or any security issue, you should inform Okbima immediately.

Okbima may refuse to provide a Service, suspend or terminate an account, or remove or edit submitted content at its discretion.

Okbima also reserves the right to deny access to the Website or its Services where permitted by law, including where these Terms of Use or the Privacy Policy have been violated.

Additional terms may apply to specific Services selected by you. You should carefully read those terms before proceeding with a purchase or transaction.

Where a Service involves another service provider, including an insurer, you agree to follow that service provider's applicable terms and conditions, including payment requirements and rules relating to the use of its products or Services.

A violation of such terms may result in cancellation of your purchase, denial of access to the relevant Service, loss of amounts paid where permitted under the applicable terms, or recovery of costs incurred as a result of the violation.

5. Content Submitted by You

Okbima does not claim ownership of materials that you submit through the Website.

However, where you submit or make content available for use on the Website, you give Okbima a worldwide, royalty-free, non-exclusive right to use, copy, distribute, display, modify, create derivative works from and sublicense that content, including using the name provided with the content, where applicable.

You confirm that you have all necessary rights and permissions to provide the content to Okbima and allow its use as described above.

You remain responsible for the content you submit.

Okbima does not accept responsibility or liability for content submitted by users and is not required to publish or display every submission.

Okbima may decide whether submitted comments, information or other content will be published, displayed, edited or removed.

You must not submit or transmit through the Website any content that:

• Is unlawful, threatening, defamatory, obscene or otherwise prohibited by law
• Violates another person's privacy or other rights
• Contains unauthorised commercial advertising or marketing
• Requests funds or promotes unauthorised commercial activities
• Infringes copyright, trademark, patent or other intellectual property rights
• Uses material belonging to another person without the necessary permission

You are responsible for any loss, damage, claim or liability resulting from content submitted by you in violation of these requirements.

6. Disclaimer of Liability and Warranty

Information, products and Services available through the Website may contain errors or inaccuracies, including errors relating to prices or other information.

Okbima does not guarantee that all information, descriptions, prices, products or Services displayed on the Website will always be accurate, complete or current.

Okbima may correct errors or inaccuracies, including pricing errors, where identified.

The availability of an insurance product or Service on the Website does not mean that Okbima guarantees or recommends that the product or Service for every user.

Information available on the Website is provided for general information and service purposes and should not be treated as a guarantee that a particular insurance product is suitable for you.

Insurance products and Services are subject to the terms, conditions and decisions of the relevant service provider or insurer.

To the extent permitted by law, Okbima does not provide warranties that the Website, its Services, emails or related systems will always be free from viruses or other harmful components.

Okbima does not guarantee that the Website or its Services will always be uninterrupted, error-free or available.

Okbima is not responsible for acts, errors, omissions, representations, warranties, breaches or negligence of independent service providers, insurers or other third parties, except to the extent required under applicable law.

Okbima will not be responsible for delays, cancellations, interruptions or failures caused by events beyond its reasonable control, including government actions, strikes, technical failures or other circumstances outside its direct control.

To the extent permitted by law, Okbima will not be liable for direct, indirect, incidental, special, punitive or consequential losses arising from or connected with:

• Your access to or use of the Website
• Your inability to access or use the Website
• Your reliance on information available on the Website
• Computer viruses or harmful software
• Third-party websites or services
• Products or Services obtained through third parties
• Other matters connected with your use of the Website

7. Online Availability, Impressions and Click-Throughs

There is no guarantee that the Website, its pages, links, information, content or other materials will always be available for online access.

The Website or parts of it may become unavailable at any time.

Okbima does not guarantee the number of impressions, visits, clicks or other online activity relating to any page, link, advertisement or other material displayed on the Website.

Where advertising or promotional material is permitted on the Website, Okbima may decide whether to accept, reject, modify or remove such advertising or promotional material at its discretion.

8. Cancellation, Refund and Chargeback

A. Free-Look Period Cancellation and Refund

Where a free-look cancellation facility applies under the applicable IRDAI rules and the terms of the relevant insurance policy, you may request cancellation within the applicable free-look period.

The availability of the free-look facility, applicable period, deductions and refund will depend on the relevant insurance product, insurer and applicable rules.

For eligible Life and Health insurance policies, the free-look facility may be available subject to the conditions prescribed by IRDAI and the relevant insurer.

We recommend that you carefully read your insurance policy document after receiving it. If the policy terms do not meet your insurance requirements, you may use the applicable cancellation facility within the permitted period.

Where a cancellation request is accepted during the free-look period, the refund will be processed according to the insurer's applicable process and regulations.

The refund may be subject to permitted deductions, which may include:

• Charges for medical examinations or tests
• Applicable administrative or service costs, including stamp duty
• Charges for the period for which the insurance cover was in force
• Other deductions permitted under applicable rules

The applicable deductions and refund amount will be determined in accordance with the insurer's terms and applicable regulations.

Refunds payable under an insurance policy are the responsibility of the relevant insurer. Okbima may facilitate or assist with the refund process where applicable.

B. Chargebacks

A cardholder or payment account holder may raise a transaction dispute or chargeback with the relevant bank or payment service provider where permitted under applicable rules.

A chargeback may apply in circumstances such as:

• Suspected unauthorised or fraudulent use of payment details
• A payment made using a blocked or reported payment instrument
• Duplicate processing of a transaction
• Other circumstances permitted under applicable RBI, payment network, bank or payment service rules

However, a chargeback should not be used to reverse a genuine transaction simply because an insurance application is still being processed.

Okbima may dispute or provide information in response to a chargeback request, including where:

• Medical tests or underwriting are still being processed by the selected insurer, for a period not exceeding three months from the date of the insurance application.
• There is a delay by the insurer in conducting medical tests, completing medical underwriting, issuing the insurance policy or providing a service connected with policy issuance, for a period not exceeding three months from the date of the insurance application.
• The insurance application has been rejected by the insurer after the required medical examination.

Okbima will not be responsible for claims, disputes or proceedings arising from a chargeback initiated in the circumstances described above, to the extent permitted by law.

9. Additional Terms for Health Insurance Proposal Forms

The following terms apply to health insurance proposals where applicable.

You declare, on your own behalf and on behalf of all persons proposed to be insured, that:

• The statements, answers and information provided by you are true and complete to the best of your knowledge.
• You are authorised to submit the proposal on behalf of the other persons proposed to be insured.
• The information provided by you will form the basis of the insurance policy.
• The proposal will remain subject to the insurer's approved underwriting policy.
• The insurance policy will come into force only after the applicable premium has been paid and the insurer has accepted the proposal.

You also agree to notify the insurer in writing of any relevant change in the occupation or general health of the proposer or person to be insured after submission of the proposal but before the insurer communicates its acceptance of the risk.

You consent to the insurer obtaining relevant medical information from doctors, hospitals, medical practitioners or past or present employers who have attended to or have information concerning the health of the proposer or person to be insured, where such information is required for underwriting or claim settlement.

You also consent to the insurer obtaining relevant information from another insurer where an insurance application has previously been made for the proposer or person to be insured, where required for underwriting or claim settlement.

You authorise Okbima and/or the relevant insurance company to share information relating to the proposal, including relevant medical records, where required for:

• Underwriting
• Claim settlement
• Compliance with applicable law
• Providing information to government or regulatory authorities where legally required

You also consent to authorised representatives of the insurance company obtaining relevant medical information from hospitals, doctors or medical practitioners who have treated or may treat the proposer or person to be insured, where required for policy issuance or claim settlement.

10. Section 41 of the Insurance Act

You understand and agree that insurance-related rebates are governed by applicable insurance laws and regulations.

No person may directly or indirectly offer or provide a rebate of the whole or part of the commission payable or the premium shown in an insurance policy as an inducement to take out, renew or continue an insurance policy, except where such rebate is allowed under the applicable law, published prospectus or insurer's approved terms.

Similarly, a person taking out, renewing or continuing an insurance policy must not accept an unauthorised rebate.

Any violation of the applicable provisions may result in the penalty prescribed under the law.

11. Customer Due Diligence Requirements

For transactions carried out through the Website, Okbima may carry out customer due diligence and request information required for KYC purposes in accordance with applicable laws and rules.

You agree to provide the required information and documents when requested.

Where required, you also authorise Okbima to obtain relevant credit information through authorised entities.

Okbima may collect sufficient information to establish the identity of a customer and understand the purpose and nature of the intended insurance relationship with the relevant insurance company.

You agree that insurance premium payments should be made from:

• Your own bank account, or
• A joint bank account in which you are a joint holder

If a premium is paid from a bank account held in the name of another person, Okbima may carry out additional due diligence and request further documents or information to meet applicable requirements.

Where required under the Prevention of Money Laundering Act and applicable rules, refunds will be processed by the relevant insurance company through the applicable process to the bank account from which the insurance premium was originally paid.

12. Licence Disclaimer

Nothing on the Okbima Website should be understood as granting you any licence or right to use Okbima's intellectual property or the intellectual property of any third party.

No licence is granted by implication, estoppel or otherwise unless expressly stated or permitted in writing.

13. Local Laws

Okbima operates in accordance with applicable central, state and local laws and regulations in India.

Okbima may provide information in its possession or under its control, or provide assistance to a government authority, regulator, court or other legally authorised agency where required by law.

Such assistance may relate to matters including:

• Verification of identity
• Prevention or detection of unlawful activities
• Investigation or prosecution of offences
• Cybersecurity
• Cybersecurity incidents
• Compliance with lawful government or regulatory directions

Okbima may receive and respond to lawful notices, orders, directions or requests issued by an appropriate government authority, competent authority or court having jurisdiction.

The Website is operated from India. Okbima does not represent that all information or materials available on the Website are suitable or available for use in locations outside India.

If you access the Website from another country or location, you are responsible for complying with the laws applicable to you.

Unless expressly stated otherwise, the insurance-related information and promotional material available on the Website is intended for users in India and is provided in accordance with applicable Indian laws.

Any dispute relating to these Terms or your use of the Website will be subject to the jurisdiction specified under the applicable Governing Law terms.

14. Limitation of Liability

You understand and agree that, to the extent permitted by applicable law, Okbima, its affiliates, officers, employees, agents, partners and licensors will not be liable for direct, indirect, incidental, special, consequential or exemplary losses arising from your use of the Website, its content or related Services.

This includes, without limitation, losses relating to:

• Profits
• Goodwill
• Use
• Data
• Other intangible losses

This limitation applies even where Okbima has been informed that such losses may occur.

The limitations in this section reflect the allocation of risk between you and Okbima and will continue to apply even if another remedy under these Terms is found not to have achieved its intended purpose.

Nothing in these Terms limits any liability that cannot legally be limited or excluded under applicable law.

15. Indemnity

You agree to indemnify and hold harmless Okbima, Strive Insurance Brokers Private Limited, and their respective officers, directors, employees, agents and other authorised representatives from claims, demands, losses, damages, penalties, costs or expenses arising from:

• Your breach of these Terms of Use
• Your violation of applicable law
• Your violation of another person's rights
• Your misuse of the Website
• Your unauthorised use of the Website
• Information or content submitted by you
• Any other action by you that causes a claim or loss

This includes reasonable legal costs where permitted by applicable law.

16. Electronic Communication

When you use the Website or communicate with Okbima by email or other electronic means, you are communicating with Okbima electronically.

You agree that Okbima may communicate with you electronically through channels such as:

• Email
• Phone
• SMS
• WhatsApp
• Notices displayed on the Website
• Other commonly used electronic communication methods

You agree that electronic agreements, notices, disclosures and other communications provided by Okbima may satisfy legal requirements for written communication where permitted by applicable law.

17. Website Communications and Postings

Where the Website provides a facility to submit comments, messages, information or other content, Okbima is not required to review every such submission and does not assume responsibility for content submitted by users.

Okbima may monitor, review, reject, edit or remove submissions where considered necessary or where required by law.

You must not use any Website communication or posting facility to upload, publish, transmit, store, modify, update or share information that:

• Is unlawful, harmful, threatening, abusive or harassing
• Is defamatory, vulgar, obscene or otherwise prohibited by law
• Violates another person's privacy
• Promotes or encourages unlawful activity
• Promotes money laundering or gambling
• Contains unauthorised advertising or solicitation
• Impersonates another person
• Provides false or misleading information
• Contains another person's personal information without proper authority
• Infringes copyright, trademark, patent or other intellectual property rights
• Contains unauthorised downloads of copyrighted or private information
• Contains chain letters or similar unwanted communications
• Sends repeated or substantially similar unwanted messages
• Sends unsolicited commercial communications
• Contains material harmful to children
• Misleads the recipient about the source or origin of a communication
• Contains intentionally false or misleading information presented as fact
• Threatens the unity, integrity, defence, security or sovereignty of India
• Threatens public order or encourages the commission of a cognisable offence
• Interferes with an investigation
• Insults another nation
• Contains a virus or other code designed to interrupt, damage or limit the operation of a computer or other resource
• Contains false information intended to mislead, harass or cause financial or other harm

You must not use Website communication facilities to:

• Contact people who do not know you for unwanted communication
• Send unsolicited promotional messages to people without their permission
• Send unwanted messages to distribution lists, group aliases or similar groups

You are responsible for the content and communications submitted by you.

18. Links to Other Websites

The Website may contain links to other websites or resources operated by third parties.

Okbima does not control these external websites or resources and is not responsible for:

• Their availability
• Their content
• Advertising
• Products or Services
• Privacy practices
• Security
• Other materials available through them

The presence of a link does not mean that Okbima endorses or recommends the linked website or its products or Services.

Okbima will not be responsible for any loss or damage caused by or connected with your use of or reliance on information, products or Services available through third-party websites or resources, except where liability cannot legally be excluded.

19. Access to Password-Protected or Secure Areas

Access to password-protected or otherwise secure areas of the Website is limited to authorised users.

You must not attempt to access any restricted area without proper authorisation.

Unauthorised attempts to access restricted or secure areas may result in suspension or termination of access and may also lead to legal action where applicable.

20. Changes to the Website, Terms and Policies

Okbima may make changes to:

• The Website
• Website features
• Services
• These Terms of Use
• The Privacy Policy
• Other related policies or agreements

Such changes may be made at any time.

Where Okbima makes a material change to these Terms or the Privacy Policy, it may provide notice through the Website or another appropriate communication method.

You should check the latest version of these Terms before using the Website, particularly if you have not used it for an extended period.

If you do not agree with a revised version of the Terms or Privacy Policy, you should stop using the Website.

Your continued use of the Website after the revised Terms or Privacy Policy have been published will mean that you accept the updated terms, subject to applicable law.

21. Trademarks and Copyright

The trademarks, logos and service marks displayed on the Website belong to Okbima, Strive Insurance Brokers Private Limited, their respective owners, or other relevant third parties.

You must not use these trademarks, logos or service marks without prior written permission from the relevant owner.

You must not use Okbima's trademarks as metatags or in any other manner that may suggest an unauthorised association with Okbima.

The information and content available through the Website, including software, text, graphics and other materials, may be protected by copyright and other intellectual property laws.

Without prior written permission, you must not:

• Modify Website content
• Copy substantial Website content
• Distribute Website content
• Transmit Website content
• Display or publish Website content for unauthorised purposes
• Sell Website content
• License Website content
• Create derivative works
• Use Website content for commercial or public purposes

22. Survival of Terms

Certain provisions of these Terms are intended to continue even after your use of the Website or your agreement with Okbima ends.

Any provision that by its nature should continue after termination will remain applicable after the agreement or access ends.

This includes provisions relating to intellectual property, indemnity, limitation of liability, submitted content, applicable law and other continuing obligations.

23. General

If any provision of these Terms is found to be invalid, void or unenforceable, that provision will be applied to the maximum extent permitted by law or treated as separate from the remaining provisions.

The invalidity or unenforceability of one provision will not affect the validity of the remaining provisions.

Headings used in these Terms are provided for convenience and do not limit or change the meaning of any section.

These Terms and your relationship with Okbima will be governed by the laws applicable in India.

Any legal proceedings relating to these Terms or your use of the Website will be subject to the jurisdiction of the competent courts specified under the applicable Governing Law terms.

If Okbima does not immediately act against a breach of these Terms, this does not mean that Okbima has waived its right to act against the same or a similar breach in the future.

Okbima does not have to take action against every breach of these Terms.

Except where specifically stated otherwise, these Terms do not create any rights for third parties.

These Terms, together with the applicable policies and terms referred to in them, constitute the agreement governing your use of the Website and replace any previous understanding or agreement between you and Okbima relating to the use of the Website, unless otherwise agreed in writing or required by law.