Terms and Conditions

Terms and Conditions

Last Updated: January 07, 2025

1. Introduction

InsuranceCalculators.net (“we,” “our,” or “us”) is an independent web publisher dedicated to creating and publishing tools that help users understand and estimate life insurance policy benefits, including those offered by the Life Insurance Corporation of India (LIC).
We are not affiliated with, endorsed by, or officially connected to LIC or any other insurer.
By accessing or using our website (“Site”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please do not use our Site.

2. Acceptance of Terms

By using our Site, you confirm that you are at least 18 years old and capable of forming a binding legal agreement. These Terms apply to all visitors and users of the Site.

3. Changes to Terms

We may update or modify these Terms at any time without prior notice. Updates will be posted on this page, and continued use of the Site means you accept the revised Terms.

4. Use of the Site

a. License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal, non-commercial purposes in accordance with these Terms.

b. Prohibited Activities

You agree not to:

• Use the Site for unlawful activities or in violation of applicable laws.
• Attempt unauthorized access to the Site or related systems.
• Use automated tools (bots, scrapers) without our written consent.
• Disrupt the Site’s functionality or security.
• Upload or transmit malicious code or harmful content.

5. No Affiliation with LIC

References to “LIC” are made only to identify and describe relevant insurance products. We operate independently and do not represent LIC in any official capacity.

6. Intellectual Property

a. Ownership

All original content, features, tools, and functionality on the Site are owned by InsuranceCalculators.net or licensed to us, and are protected under applicable copyright, trademark, and intellectual property laws.

b. Limited Use

You may view and use the Site for personal reference only. You may not reproduce, distribute, modify, or exploit any content without prior written permission.

7. Accuracy of Information

Our calculators are based on publicly available data and are intended to provide approximate estimates. We do not guarantee that results will match official insurer figures. Users should verify details through official sources before making any decisions.

8. No Financial Advice

All information and tools provided are for informational purposes only and do not constitute financial, legal, or insurance advice. For official or personalized guidance, consult a licensed insurance advisor.

9. Limitation of Liability

To the fullest extent permitted by law, InsuranceCalculators.net, its owners, employees, and affiliates shall not be liable for any loss, damage, or consequence resulting from:

• Reliance on our tools or content.
• Inaccuracies or omissions.
• Technical errors or interruptions.

10. Indemnification

You agree to indemnify and hold harmless InsuranceCalculators.net, its officers, employees, and partners from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

11. Third-Party Links

We may link to third-party websites. We are not responsible for the content, privacy practices, or reliability of such sites. Visiting third-party links is at your own risk.

12. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which explains how we handle information.

13. Governing Law

These Terms are governed by the laws of India. Any disputes will be subject to the exclusive jurisdiction of the courts in Bhubaneswar, Odisha, India.

14. Dispute Resolution

If a dispute arises, we will first attempt an amicable resolution. If unresolved, disputes shall be settled by arbitration in Bhubaneswar under the Arbitration and Conciliation Act, 1996.

15. Termination

We reserve the right to suspend or terminate your access to the Site without notice for violations of these Terms. Upon termination, all rights granted under these Terms will end immediately.

16. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any additional legal notices, constitute the entire agreement between you and InsuranceCalculators.net.

18. Contact Us

For questions about these Terms, contact:

Email: [email protected]
Address:
InsuranceCalculators.net
Gopabandhu Nagar, Gopabandhu Nagar,
Bhubaneswar – 751008, India