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Terms Of Use

Welcome to Zibika, please read and adhere to the following terms and conditions. These terms will help to regulate your access to the website and also for using the content wisely for your own benefit. By using Zibika.com, it signifies that you agree and bind by the terms of use.

Zibika welcomes all individual and entities enthusiastically, who are over the age of legal majority. Users must be eligible enough to enter and form legally binding agreements under the applicable law.

Our terms and conditions are subjected to change at any time without any prior notice. We have all the rights to change, modify, replace, suspend or even remove any information we like without any prior notice from our web site from time to time. It is your duty to check these terms on regular basis to avoid any further grievances.

The content posted on Zibika is for the benefit of its users as it acts as a knowledge centre for various financial insights. No member/user shall blame Zibika for any financial decision or investment taken by them based on the information provided by us. All members/users are requested to consult their financial and legal advisors to verify the content on the site before taking a decision. The content is available for informational purposes only. The posting of content and access to this website does not render, either explicitly or implicitly, any provision of services or products by us.

This website, www.zibika.com, is operated by Zibika India Insurance Web Aggregators Private Limited hereinafter referred to as Zibika.com/Zibika. By ˜You/Proposer we refer to the users/buyers on this website. Our website contains information regarding terms of insurance policies, details of the benefits available, exclusions & other reference material pertaining to searched insurance plans. Some of the information provided has been customised in an attempt to give you a summary of the insurance policies available through Zibika.com.

However, not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to purchase prior to purchasing that insurance policy. You can do this by reading the details pages on Zibika.com, visiting the appropriate product information page on the respective insurer’s website and also by speaking to a trained representative of the insurer. The product information supplied on the website is available only to Indian residents. Our website also provides price information and ability for users/proposers to buy such policies online using our Payment Gateway.

No information on Zibika.com is or should be interpreted as an offer or a solicitation for an offer, as investment, legal, tax or other advice. Where such advice is needed, a professional should be consulted.
Member Account and Security

After completing the registration process on Zibika you will hold a password for your membership at Zibika. You are completely responsible and liable for all the activities conducted under your account name or password, Zibika will not held legally responsible for any such activities conducted by its members. Everyone who becomes a member of Zibika is required to maintain complete confidentiality of their respective account. You need to ensure that no other member or any unauthorized person be allowed to use your password or account for any illegal or hazardous activities on the site. All members have to agree to immediately notify Zibika of any breach of security or unauthorized use of their account or password. Every time you log on to Zibika make sure you exit from your account at the end of each session.
Member Rights

We allow members to compare, buy & in some cases rate, give feedback on policies purchased by you on various sections of the website which can be accessed and viewed by other members also. Any content posted by our members are the intellectual property of Zibika. We do monitor all content posted on the site and have the right to edit or remove any content which does not adhere to our code of conduct. By posting content you grant us the right to use, copy, display, perform, distribute, adapt and promote this content in any medium. We expect the members to behave in a disciplined manner and not post any such content which will violate our code of conduct.
Obligations to be fulfilled by the members

Members have to take all necessary precautions and are responsible to ensure that data and information submitted on our website is true, accurate, correct and free from all viruses and anything else which may cause damage or have a destructive effect on any part of our site or any other technology of our site. You have to acknowledge and agree that all the required and necessary information is filled in and you have completed the registration process. You agree that all the information provided by you during registration is correct, true complete and accurate. You agree that the password that you have created would be kept strictly confidential by you and that you will not disclose your password to anyone and notify us immediately if any third party is accessing your account.
Intellectual Property

All the intellectual property rights and all other copyrights in all the matters and materials contained in the website including/along with the website design, logo, all the text and graphics, and their sections and agreements, underlying source codes, all the sections and arrangements, all individual articles, columns and other elements belongs to us and our licensors. By using all the services you agree to abide by all applicable copyright and other laws. All the rights are reserved. None of the matter/material contained on our site may be reproduced, spread or redistributed without any prior permission or notice. However one will be allowed to download, print or take copy of the information for ones non commercial or off-line viewing purposes.

The advertisements that are forecasted on our website are delivered on our behalf by third party advertising companies and direct advertisers. No personal data/information like for example your name, phone number, address, email id are used during the course of serving our advertising. You should acknowledge and agree that we are not responsible or liable for any content or materials on these third party sites. Any dealings you have with these advertisers found on our site Zibika.com is/are between the user and the advertiser and we are not responsible for any loss or damage incurred by the user against the advertiser.
Collection of Personal Information

The user may be asked to provide personal information in certain fields on our Zibika website. The personal information provided by the users will be safe and will not be used for any unethical purpose. When the user signs in and provides all the information this will be used only to provide the user with any important updates, alerts about the products and services which the user is interested in. The contact information such as your name, e-mail id, address, telephone number that the user submits will be used only to revert back to all the various questions, complaints, concerns asked by the user. No personal information will be disclosed to anyone and will be kept very safely.

You agree to indemnity, defend and hold Zibika, its officers, employees, directors, representatives, other partners from and against any loss, cause of action, claim, demand, damages, including any reasonable legal expenses, accounting or any other professional fees, made by the third party due to or arising out of the content you submit, your use of the service, your violation of terms of conditions, violation of any intellectual property or your breach of any applicable law.
Limitation of Warranties

All materials on the Zibika site are provided “as in” and “as available” basis we make no representations or warranties, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, title or non-infringement. As to documents and graphics published on this site, Zibika makes no representation or warranty that the contents of such document or graphics are free from error or suitable for any purpose; nor that implementation of such contents will not infringe any third party patents, copyrights, trademarks or other rights.
Limitation of Liability

In no event will Zibika be liable to any party for any direct, indirect, special or consequential damages for any use of this site, or on any other hyperlinked web site, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if Zibika is expressly advised of the possibility of such damages.

The various links provided in this site allows you to leave Zibika.com and takes you to a new page altogether. All the linked sites are not under the control or supervision of Zibika.com and nor has Zibika reviewed, gone through or approved of these sites. Zibika shall not be held responsible for any of the contents, omissions or errors pertaining to the linked sites including the various other links posted on the sites, provided by these linked sites. Zibika, in anyway does not endorse or promote any of the links mentioned in the site.
International Use

We make no claim or representation that the content posted on our site is useful, appropriate or available for use outside India. If such content is illegal in certain locations or countries then we cannot be held liable for all those who are accessing the site from such locations. They would have to do so at their own risk and are responsible for their own actions. Zibika will not be held responsible for any legal liability taken against them. Insurance policies provided on Zibika.com are for Indian Residents only at this stage as it is a India country portal. We will announce availability of our services in other geographies over time and local rules will be applicable in respective countries where Zibika.com provides online insurance services.

These Terms of Use are effective until terminated by either party. You may terminate these Terms of Use without notice to Zibika by discontinuing all use of the information contained in the Site and destroying the materials you have obtained from the Site, including all related documentation and copies.

Zibika may terminate these Terms of Use and/or the products or services offered by Zibika at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Use. Upon termination, you must discontinue all use of the information contained in the Site and destroy the materials you have obtained from Zibika, including all related documentation and copies.

Zibika is also entitled to terminate all or part of the Site at any time, without notice to you.

Zibika has made all efforts to make the world of finance more simple and easy for all its members. If however at any point in time members are unhappy with the services and products offered by us or have any suggestions, ideas and views to give, please send us your feedback using our feedback form and we will do our very best to review these suggestions.

The terms, and your relationship with Zibika under the terms, shall be governed by the laws of India without regard to its conflict of laws provisions. You and Zibika agree to submit to the exclusive jurisdiction of the Mumbai high court, Mumbai, Maharashtra to resolve any legal matter arising from the terms. Notwithstanding this, you agree that Zibika shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

These Terms of Use state the entire agreement with regard to the items discussed above. If you do not agree or you are not willing to comply with these terms, please do not visit this site.

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