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Terms of Service

Effective Date: [Insert Date]

Welcome to RiskBirbal Management Services Private Limited (RBMS). RBMS is a company incorporated under the Companies Act, 2013 ("We", "Us", "Our", or "RBMS") and is the owner of the website www.riskbirbalms.com and proprietary platforms and software including RBIQ, RiskMantra, Wellconnect, CRM solutions, Risk Inspection, and Asset Valuation services. Collectively, these are referred to as the “Sites”.

These Terms of Service ("Terms") govern your access to and use of our Sites, services, and applications. By accessing or using any part of our Sites, you (“You”, “Your”, or “User”) agree to be bound by these Terms. If you do not agree with any part of these Terms, you must discontinue using our Sites and Services.

General

  • 1.1

    Our Sites serve as a platform offering a variety of services, including but not limited to:

    • Quotation Management System (RBIQ)
    • Wellconnect – Health & Wellness Platform
    • RiskMantra – Risk Management Solutions
    • CRM Solutions
    • Risk Inspection Services
    • Asset Valuation Services

    Other services delivered via our proprietary platforms, and any additional services introduced over time These services are collectively referred to as the “Services”.

  • 1.2

    You agree and acknowledge that Our Sites act as a platform enabling Users to access and utilize these Services. RBMS is not, except where explicitly mentioned, a party to any third-party service agreements and does not control, endorse, or guarantee transactions between Users and third-party providers.

  • 1.3

    RBMS reserves the right to update or amend these Terms of Service, Privacy Policy, or other related policies at any time at its sole discretion. Changes will become effective immediately upon posting on the Sites. Continued use of the Sites constitutes acceptance of such changes.

  • 1.4

    By accessing and using the Sites, you represent and warrant that you are legally competent to enter into binding contracts and agree to abide by these Terms.

  • 1.5

    All content made available on the Sites, including but not limited to text, graphics, logos, software, and images ("Content"), is either owned by RBMS or licensed from third parties. Unauthorized use or duplication is prohibited. RBMS does not guarantee the accuracy or authenticity of third-party content.

User Account, Registration, and Security

  • 2.1

    Our Sites serve as a platform offering a variety of services, including but not limited to:

  • 2.2

    . Access to Services is subject to the subscription plans selected by you and your compliance with applicable fees.

  • 2.3

    You may add family members or authorized individuals under your account, provided you have obtained their consent. You are responsible for all actions under your account.

  • 2.4

    Users must maintain account confidentiality and promptly notify RBMS of any security breaches.

  • 2.5

    RBMS reserves the right to suspend or terminate accounts at its sole discretion without prior notice if terms are violated.

Use of the Services and the Sites.

3.1 Scope of Services
RBMS offers access to a variety of specialized services through its proprietary platforms and tools, including:
  • Quotation Management System (RBIQ): Facilitates the generation, management, and processing of insurance quotations, helping users obtain reliable and compliant quotes efficiently.
  • Wellconnect – Health & Wellness Platform: Provides a platform for corporate wellness, health management, access to third-party healthcare services, and employee engagement programs.
  • RiskMantra – Risk Management Solutions: Offers tools and resources to assist businesses in identifying, assessing, and managing various operational and financial risks.
  • CRM Solutions: Our CRM tools streamline client relationship management, improve sales tracking, and enhance customer engagement processes.
  • Risk Inspection Services: Enables users to request, conduct, and manage risk inspection surveys, and receive professional risk assessment reports.
  • Asset Valuation Services: Provides a platform to request asset valuations and obtain certified reports to aid in financial planning, insurance, and compliance requirements.
3.2 User Responsibilities
By accessing and using our Sites and Services, you agree to:
  • Provide accurate, current, and complete information when registering or transacting on the Sites.
  • Ensure compliance with applicable laws, regulations, and contractual obligations while using any RBMS service.
  • Use the Sites solely for lawful purposes and for the services offered.
3.3 Third-Party Involvement
Certain services, especially within the Wellconnect platform, may involve third-party healthcare providers, diagnostic centers, or insurance partners. While RBMS facilitates access to these third-party services, the transaction or engagement with such providers is solely between you and the respective third party. RBMS does not control, endorse, or take responsibility for the quality, accuracy, or legality of these third-party services.
3.4 No Guarantee or Warranty
RBMS endeavors to ensure high service standards but does not warrant that:
  • The Services will meet all your specific requirements.
  • The Services will be uninterrupted, timely, secure, or error-free.
  • Any errors in the software or applications will be corrected immediately.
  • You acknowledge that the information and services provided are on an “as-is” basis and are subject to limitations, technical issues, or third-party dependency, over which RBMS has no control.
3.5 User Conduct on the Sites
While using the Sites, you must not:
  • Engage in unauthorized access, hacking, or misuse of the Sites.
  • Upload or share false, misleading, defamatory, harmful, or illegal content.
  • Violate any intellectual property rights, privacy rights, or any third-party rights.
  • Attempt to reverse engineer, modify, or copy any software or material from the Sites.
3.6 Service Modifications
RBMS reserves the right to modify, suspend, or discontinue any part of the Sites or Services without prior notice. We are not liable for any damages or losses resulting from such changes.

Payment, Fees, and Taxes

  • 4.1

    Access to certain Services may require payment of applicable fees based on the subscription plan you select.

  • 4.2

    Payment failures or delays may result in suspension of access to the Services.

  • 4.3

    Users and third-party service providers are solely responsible for their own tax liabilities and legal compliances. RBMS is responsible only for its own tax obligations.

  • 4.4

    RBMS reserves the right to modify the fee structure at its discretion. Such changes will be updated on the Sites.

  • 2.5

    RBMS reserves the right to suspend or terminate accounts at its sole discretion without prior notice if terms are violated.

Limitation of Liability

  • 5.1

    RBMS provides the Sites and Services on an “as-is” and “as available” basis without warranties of any kind.

  • 5.2

    RBMS is not responsible for any losses, errors, omissions, or damages arising from:

    • Interactions or transactions with third-party service providers.
    • Service disruptions or technical issues.
    • Misuse of the Sites by users.

  • 5.3

    RBMS’s liability is limited to the maximum extent permitted by applicable law.

Intellectual Property

All content, software, trademarks, logos, and materials on the Sites belong exclusively to RBMS or its licensors. Unauthorized copying, modification, or use is prohibited.

Force Majeure

RBMS shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including natural disasters, pandemics, strikes, technical failures, or governmental actions.

Termination

RBMS reserves the right to terminate or suspend your access to the Sites without notice for violation of these Terms or any applicable law.

Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any disputes are subject to the exclusive jurisdiction of the courts located in New Delhi, India.

Grievance Redressal

In accordance with applicable laws, the details of our Grievance Officer are:

  • Nmae: Mr. Manoj Karn
  • Designation: [Insert Designation]
  • Email: [Insert Email]
  • Phone: [Insert Phone Number]
  • Support Hours: [Insert Hours]