Terms & Conditions

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the website https://www.bimawalagroup.com/ (the "Service") operated by Bimawala Group ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, clients, and others who access or use the Service.

By accessing the Service or engaging with us through any means (including website, phone, email, WhatsApp, or in-person), you agree to be bound by these Terms. If you do not agree with any part of the Terms, you may not access the Service.

1. Our Services

Bimawala Group provides advisory and intermediary services related to:

General insurance (health, life, motor, fire, marine, etc.)
Wealth management (mutual funds, bonds, PMS, AIFs, estate planning, etc.)
Claims support, renewals, documentation, and financial goal mapping

We do not provide guaranteed returns or portfolio management services unless explicitly mentioned in writing through registered partners. Our services are advisory in nature and subject to regulatory limits.

2. Eligibility

By using this website, you confirm that:

You are at least 18 years of age
You are legally competent to enter into contracts under applicable laws
The information you provide is accurate and complete

If you are accessing the site on behalf of another person or company, you warrant that you have the authority to bind that entity to these Terms.

3. Purchases & Financial Transactions

If you choose to engage us for any services or make a payment via our website:

You may be required to provide certain information for billing and verification
You may be redirected to a third-party secure payment gateway
All transaction data is processed through PCI-DSS compliant platforms
We do not store any payment card or banking details on our servers

You are responsible for maintaining the confidentiality of your payment credentials and indemnify us for any misuse due to third-party breaches not caused by our negligence.

4. Advisory & Risk Disclaimer

All information provided by Bimawala Group—whether via website, email, WhatsApp, brochures, or in-person—is intended for informational and advisory purposes only.

Investment products such as mutual funds, bonds, PMS, and AIFs are subject to market risks. Past performance is not indicative of future results.
Insurance proposals are subject to underwriting guidelines of respective insurers.
Final issuance of policies or returns from investments are not guaranteed by Bimawala Group.

We recommend consulting with your CA, legal, or financial advisor before making any significant financial decision.

5. Intellectual Property

All content on this website—including text, images, videos, product lists, tools, articles, brochures, and downloadable materials—is the intellectual property of Bimawala Group unless otherwise stated.

You may not copy, reproduce, distribute, republish, or mirror this content in any form without prior written permission, except for personal, non-commercial use, and only if all copyright notices remain intact.

6. User Conduct

By using our website or interacting with our services, you agree:

Not to use the Service for any unlawful purpose
Not to attempt to gain unauthorized access to any data or system
Not to interfere with the functionality of our website or engage in any form of cyberattack
Not to impersonate any individual or provide false information

Violation of these terms may lead to legal action, termination of services, and reporting to relevant authorities.

7. Third-Party Links

Our website may contain links to external websites (e.g., insurer portals, fund house websites, news publications, or payment gateways).

We do not control, endorse, or assume responsibility for:

Their content or policies
Any damages or loss incurred from visiting such websites
Accuracy or availability of their products/services

Please review their respective Privacy Policies and Terms before engaging.

8. Service Availability

While we strive to offer uninterrupted access to our website and services:

We do not guarantee 24/7 uptime or error-free functionality
Access may be suspended for maintenance, upgrades, or technical issues
We are not liable for any data loss, delay, or interruption in service

9. Limitation of Liability

To the maximum extent permitted by law:

Bimawala Group shall not be liable for any indirect, incidental, special, or consequential damages
This includes loss of profits, data, or business opportunity resulting from the use or inability to use the Service
We are not liable for actions or decisions taken based solely on our advice without cross-verification

10. Indemnification

You agree to indemnify, defend, and hold harmless Bimawala Group, its directors, employees, partners, and associates from any claims, damages, liabilities, losses, costs, or expenses arising out of:

Your use of the Service
Violation of these Terms
Any inaccurate or misleading information provided by you

11. Modifications to These Terms

We reserve the right to update or revise these Terms at any time. Any changes will be posted on this page with a new “Effective Date.”

For significant changes, we may notify you via email or platform announcements. Continued use of the website after such changes constitutes your acceptance of the new Terms.

12. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of Mumbai, Maharashtra.

13. Termination of Access

We reserve the right to suspend or terminate access to our website or services at our sole discretion, without notice, if we believe there is a violation of:

Applicable law
These Terms
Good faith use of our platform

14. Contact Us

For any questions, clarifications, or issues related to these Terms & Conditions:

Bimawala Group

Email: harsh@bimawalagroup.com

Phone: 9820036783