Sakalbima.com is an IRDAI approved Insurance Web Aggregator, providing a comparison platform among the products offered by a wide range of insurance companies onboarded with us. We are not an insurance company but an insurance web aggregator that is licensed by the regulator under its IRDA Web Aggregators regulation, 2013.
Following Terms and Conditions govern the use of the website. By accessing this website or any of its pages, visitors agree to the below-mentioned Terms and Conditions.
- Our Services
- Sakalbima.com website supports you to compare insurance plans from nearly all the insurance companies in India at one glance. We provide a comparison of various products on our Website, helping users to avoid surfing multiple websites of different insurance companies and filling in some documents. We help customers pick the best-suited plans depending on their insurance requirement. We assist the user in completing all the online documentation process and completing the payment process. Submitting the documents and making payment online is not a guarantee of getting an insurance policy contract. The final decision is taken by the respective insurance company. The proposal may get accepted, declined or postponed basis their underwriting guidelines. Sakalbima.com seeks to ease your online insurance buying process by assisting and guiding you through the processes. In case you are not satisfied with the insurance plan opted, you need to intimate the insurance company directly within the free look period. Your refund will be processed by the insurance company directly as per their refund guidelines.
- Fees and Service Charges
- Sakalbima.com assists its users with expert guidance free of cost. There are zero/nil fees or service charges from the user.
- Limitation of Liability
- Limitation of Liability shall be limited to the amount you paid, if any, for the use of products and/or services. Sakalbima.com will not be responsible for any direct, indirect, incidental, consequential or exemplary loss or damages which may be sustained by you as an outcome of using our resources, or as a result of any variations, data loss or fraud, cancellation, loss of access, or downtime to the full extent that the applicable limitation of liability laws applies.Sakalbima.com does not warrant or guarantee the appropriateness, correctness or completeness of the Website Information; or Quality of the results gained from the usage of the Website. To the maximum degree allowed by law, Sakalbima.com has no liability about or arising out of the website Information and website commendations. You are solely responsible for the concluding choice for your insurance product, and you should take ample time to read through all information provided in before continuing. If you are in any uncertainty regarding a product or its terms, you should pursue additional advice from Sakalbima.com or the pertinent participating insurance provider before finalizing your product.We collect information from a variety of sources, directly and indirectly [to specify the sources]. The term “Personal Data” means information relating to an identified or identifiable individual (i.e. a natural person). All of the information we collect about you is used to monitor the use of the site and develop world-class products and services of superior quality. Such use does not result in any personally identifiable information being collected or stored. By submitting your Personal Data through this website, you shall be consenting to it being handled in accordance with the site's online Privacy Policy. You agree to provide true and complete information about yourself by registering on this site and you are solely responsible for protecting your password and all acts by way of use of your password. If you have submitted Personal Data through this website and wish us to cease using it for the purposes submitted, please contact us.
- Limitation of Warranties
- We do not epitomize or warrant to you that the use of our resources:• Will take care of your needs or requirements; the use of our resources will be continuous, well-timed, protected or free from errors.
- The information obtained by using our Resources will be accurate or reliable and error-free.
- Any flaws in the process or functionality of any resources we offer will be repaired or corrected.
- Any content downloaded or otherwise attained via use of our resources is done at your own choice and risk, and that you are solely accountable for any harm to your computer or other devices for any loss of data that may erupt from the download of such content. No information or advice (expressed, implied, oral or written) acquired by you from us or through our resources we offer shall generate any warranty, guarantee, or conditions of any kind, apart from those bordered explicitly in this User Agreement.
- Privacy
- Your privacy is vital to us, so for this, we have our separate Privacy Policy to clarify in detail how we gather, achieve, process, protect, and stock your private information. It is advisable to read our privacy policy.
- Copyrights/Trademarks
- All content and materials available on Sakalbima.com are the intellectual property of sakalbima.com and are safeguarded by the applicable copyright and trademark law of the country. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly forbidden unless precisely authorized by us.
- Disclaimer
- Sakalbima.com has made it all possible efforts in a bid to ensure that the information, premium rates, and policy benefits, etc. shown on the Website is correct; however, we rely on the insurance companies in providing accurate information for us to assess their products. We provide plans comparison facility based on the information that we have been provided by the insurers so that you can assess the plan yourself, and make your own decision. Sakalbima.com will not be responsible if there is any discrepancy in data shown on the Website.
- Privacy Policy
- All content and materials available on Sakalbima.com are the intellectual property of sakalbima.com and are safeguarded by the applicable copyright and trademark law of the country. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly forbidden unless precisely authorized by us.
- Protecting Your Privacy
- Information captured or voluntarily submitted on our Website www.sakalbima.com while visiting, is secured. We do not trade, sell, disclose, transfer, share, transmit, lease or rent visitor information to any third party not specifically authorized by you to receive this information except as we have disclosed to you in this Privacy Policy.
- Changes in Privacy Policy
- Sakalbima.com reserves the right to change its Privacy Policy as and when required, without prior notification. You are advised to read our latest Privacy Policy before you agree to it. Sakalbima.com will not be responsible for any discrepancy once you agree to its Privacy Policy without going through it.
- Links to Third Party
- Our Website Sakalbima.com may contain links to third-party websites that are neither controlled nor maintained by Sakalbima.com. These third-party links are provided for your convenience only. Hence, Sakalbima.com will not be responsible for your privacy and content if you click on these links, nor are we responsible for the privacy policy or practices of the third-party websites linked to.
- DISCLAIMER
- Sakalbima.com has made it all possible efforts in a bid to ensure that the information, premium rates and policy benefits, etc. shown on the Website is correct; however, we rely on the insurance companies in providing accurate information for us to assess their products. We provide plans comparison facility based on the information that we have been provided by the insurers so that you can assess the plan yourself, and make your own decision. Sakalbima.com will not be responsible if there is any discrepancy in data shown on the Website.As a visitor of Sakalbima.com and/or any third-party websites, you should not assume that the owner of the www.sakalbima.com has control over those websites. Hence, Sakalbima.com disclaims all content shown on third-party websites. It also disclaims the validity and authenticity of the SMS and/or email sent from Sakalbima.com, its partners or affiliates or/and any insurance companies. Sakalbima.com also disclaims these emails are free of viruses or other harmful content. The service providers to this Website, irrespective of their alliances with Sakalbima.com, are independent identities and not agents or intermediaries of Sakalbima.com or its allies. Sakalbima.com, in no event whatsoever, shall be liable for any losses incurred out of investments, any additional expense, omissions, delays or acts of any government or authority. We are in no way responsible to anyone for his/her investment decision, and every investor/policyholder shall be solely responsible for the consequences of his/her decision. Sakalbima.com reserves the right to contact you via any medium, not limited to SMS, email, or phone call, to offer you any additional services that Sakalbima.com would consider you eligible for, either as a customer or as a visitor. In case you have any query related to our Privacy Practices or this Policy, please contact us.
- Blogs & Articles
- Blogs/articles posted on our Sakalbima.com have been authored by individuals (including but not limited to employees of Sakalbima.com and shall be referred to as "Individuals" hereafter). Hence, the authenticity of content and opinions are entirely at the sole discretion of the individuals in their capacity, and may not represent official positions of Sakalbima.com in any manner.Sakalbima.com reserves all copyrights to these blogs/articles.