1. Acceptance of Terms
By accessing and using BimaCalculator.com (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use this website.
2. Permitted Use & Free Access
BimaCalculator provides free online financial calculators, payroll estimation utilities, and actuarial models for personal, educational, and computational planning purposes. You agree to use the Service only for lawful purposes in accordance with all applicable local, national, and international laws.
You agree not to:
- Use automated scripts, bots, scrapers, or spiders to systematically harvest calculation data or overburden server infrastructure.
- Attempt to reverse-engineer, decompile, or compromise the security of the website.
- Engage in any conduct that restricts or inhibits any other user from enjoying the Service.
3. Intellectual Property Rights
The custom user interfaces, mathematical algorithms, client-side scripts, branding, editorial text, diagrams, and site architecture of BimaCalculator.com are the intellectual property of BimaCalculator and its founder Rakesh.
All third-party trademarks, plan names (e.g. LIC of India, Jeevan Labh, Jeevan Umang), and statutory references belong to their respective statutory owners and are used purely for descriptive, comparative, and computational utility.
4. No Warranties & Disclaimer of Accuracy
The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied. While we strive to maintain complete actuarial accuracy aligned with IRDAI, CBDT, and LIC rate circulars, we do not warrant that calculation results will be error-free, uninterrupted, or guaranteed to match underwritten policy contracts.
5. Limitation of Liability
To the fullest extent permitted by applicable law, BimaCalculator.com, its founder Rakesh, and its operators shall not be liable for any indirect, incidental, special, consequential, or exemplary damages resulting from financial decisions, tax submissions, or insurance contracts entered into by users.
6. Governing Law & Jurisdiction
These Terms of Service and any disputes arising out of or related to the use of BimaCalculator.com shall be governed by and construed in accordance with the laws of India, under the exclusive jurisdiction of the competent courts in Nainital, Uttarakhand.
7. Contact Information
For any questions regarding these Terms of Service, please contact:
Founder / Administrator: Rakesh
Location: Nainital, Uttarakhand, India
Email: rjrapture@gmail.com