Terms of Use

1Acceptance of Terms

By accessing or using the Pure Bima website ("Site"), requesting a quote, or otherwise engaging with our services, you agree to be bound by these Terms of Use ("Terms"). If you do not agree with any part of these Terms, please do not use the Site.

These Terms apply to all visitors, users, and others who access the Site, including individuals seeking information or quotes on Term Life, Health, Motor, Home, and Child Education insurance plans.

2Who We Are

Pure Bima helps individuals compare and understand insurance options across life, health, motor, home, and education-linked plans. We work to make insurance information simple and accessible, and to connect you with our team or with our insurer partners for further assistance.

Pure Bima is an information and advisory platform. We are not an insurance company, and any policy you purchase is issued directly by the relevant insurer, subject to that insurer's own terms and conditions.

3Eligibility

You must be at least 18 years of age and legally capable of entering into a binding contract under applicable Indian law to use this Site or to request a quote or callback through it. By using the Site, you confirm that you meet these requirements.

4Nature of Our Services

The content on this Site, including plan comparisons, claim settlement figures, hospital network counts, and premium estimates, is provided for general informational purposes only. It is not financial, legal, or insurance advice, and should not be treated as a substitute for reviewing the official policy wording of the insurer.

• Quotes shown or shared are indicative and may vary based on your final details, medical history, and the insurer's underwriting process.
• Final policy terms, exclusions, and premiums are determined solely by the issuing insurance company.
• We recommend reading the policy document and prospectus carefully before purchase.

5Account & Information Accuracy

When you submit the contact form or request a quote, you agree to provide accurate, current, and complete information, including your name, phone number, email address, city, and insurance requirement. Providing false or misleading information may affect your ability to receive an accurate quote or may delay policy issuance by the insurer.

You are responsible for keeping any account or contact details you share with us up to date.

6User Responsibilities

When using the Site, you agree that you will:

• Use the Site only for lawful purposes and in a manner consistent with these Terms.
• Not attempt to gain unauthorized access to any part of the Site, its servers, or any connected systems.
• Not use automated tools (bots, scrapers, or crawlers) to extract content or data from the Site without our written permission.
• Not upload or transmit any material that is unlawful, defamatory, or infringes on the rights of any third party.

7Insurance Disclaimer

Insurance is the subject matter of solicitation. Pure Bima does not guarantee approval of any application, the exact premium amount, or the final terms of any policy. Claim settlement ratios, network hospital counts, and similar figures displayed on the Site are sourced from publicly available insurer data and are updated periodically; they may not reflect real-time figures.

8Third-Party Links & Insurers

The Site may contain links to third-party websites, including insurer portals, payment gateways, or partner platforms. We do not control and are not responsible for the content, privacy practices, or terms of any third-party site. Any transaction you enter into with an insurer or partner is solely between you and that party.

9Intellectual Property

All content on this Site, including text, graphics, logos, icons, and design elements, is the property of Pure Bima or its licensors and is protected under applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Site without our prior written consent, except for personal, non-commercial use.

10Prohibited Use

You agree not to use the Site to:

• Submit fraudulent, duplicate, or spam enquiries.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
• Introduce viruses, malware, or any other harmful code.
• Interfere with or disrupt the Site's functionality or servers.

We reserve the right to restrict or terminate access for any user who violates these Terms.

11Limitation of Liability

To the maximum extent permitted by law, Pure Bima shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site, reliance on information provided, or any policy purchased through or after being referred by us. The Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied.

12Indemnification

You agree to indemnify and hold Pure Bima, its team, and affiliates harmless from any claims, losses, liabilities, or expenses (including legal fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

13Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect the information you share with us, including details submitted through our contact and quote forms.

14Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. The updated version will be posted on this page with a revised "Last updated" date. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

15Termination

We reserve the right to suspend or terminate your access to the Site, without prior notice, if we believe you have violated these Terms or engaged in conduct that could harm Pure Bima, other users, or third parties.

16Governing Law

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the competent courts.