Terms and Conditions of Advisory & Service

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“Client”, “Policyholder”, “User”, or “you”) and InsureDesk IMF Pvt. Ltd., operating under the flagship brand Bima Headquarter (“Company”, “we”, “us”, or “our”).

InsureDesk IMF Pvt. Ltd. is an authorized Insurance Marketing Firm (IMF) regulated under the regulations framed by the Insurance Regulatory and Development Authority of India (IRDAI). By accessing our website (bimaheadquarter.com), utilizing our digital consultation tools, or engaging our consultants for insurance advisory, policy renewal management, or claims facilitation, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Bima Headquarter provides professional insurance consulting, risk analysis, portfolio audits, and claim advocacy. Our role is strictly that of an intermediary and advisory consultant:

Under Indian insurance jurisprudence, all contracts of insurance are governed by the fundamental doctrine of Uberrimae Fidei (Utmost Good Faith). By engaging our advisory desk, you affirm the following covenants:

• check_circleDuty of Complete & True Disclosure: You must disclose all material facts known to you, including pre-existing medical ailments, previous hospitalizations, past insurance claims, vehicle modifications, previous policy cancellations, or hazardous business operations.
• check_circleConsequence of Non-Disclosure: Failure to disclose or misrepresenting material facts entitles the insurance company to void the contract ab initio, repudiate claims, and forfeit all premiums paid under Section 45 of the Insurance Act 1938.
• check_circleDocument Authenticity: All registration certificates, invoices, driving licenses, PAN cards, and diagnostic reports submitted to Bima Headquarter must be genuine, unaltered, and legally valid.

Insurance is the subject matter of solicitation. Bima Headquarter operates as a licensed intermediary consultant and does not act as an insurance risk underwriter:

Bima Headquarter provides dedicated, professional claims assistance to represent the interests of policyholders. However, the legal conditions governing claim processing must be clearly understood:

Our scope of claims assistance is strictly advisory and procedural:

• Intimating the claim to the insurer within statutory deadlines.
• Guiding clients on document assembly (FIRs, hospital records, repair estimates, discharge summaries).
• Coordinating with independent IRDAI-licensed surveyors for timely inspection.
• Formulating technical representations against wrongful deductions or unjustified claim rejections.
• Assisting in escalation to the Insurer Grievance Officer and the statutory Insurance Ombudsman.

In accordance with Section 64VB of the Insurance Act 1938 (“No risk to be assumed unless premium is received in advance”) and IRDAI regulations:

To the maximum extent permitted under applicable Indian laws:

• Insurer Insolvency or Delays: Bima Headquarter is not liable for financial defaults, insolvency, regulatory freezes, or operational delays of any insurance company.
• Indirect Damages: Under no circumstances will Bima Headquarter or its directors, employees, or affiliates be liable for any indirect, punitive, special, incidental, or consequential damages arising from policy repudiation, business interruption, or loss of profits.
• Intellectual Property: All text, algorithms, policy comparison structures, brand logos, graphics, and interface designs on this website are the proprietary property of InsureDesk IMF Pvt. Ltd. and protected under Indian copyright and trademark statutes.