TERMS & CONDITIONS
PLEASE READ THESE TERMS AND CONDITIONS BEFORE USING THIS WEBSITE
Website Terms and Conditions
This website is operated by Brothers Financial Solutions (BFS) who are authorised and regulated by the Financial Services Authority. The copyright of the content of the website lies with BFS India Insurance Brokers Pvt ltd. Please read these terms and conditions ("Terms") carefully. By accessing this website, you agree to be bound by these terms, including the BFS privacy policy. If you do not agree to be bound by these terms you should not access or view this website.
1. While BFS has made all reasonable efforts to ensure that the information on this website was correct at the time of inclusion, you should be aware that BFS accepts no responsibility if the information is incomplete, inaccurate or out of date.
2. Except as expressly provided for on this website, BFS is not responsible for the content or use of any web pages or any message sent or received by you.
3. All present and future copyright, trademarks, and other intellectual property rights relating to this website are vested in BFS and its licensors. You acquire no rights in the website other than the limited right to use the website in accordance with these terms. You agree to protect the proprietary rights of BFS and its licensors and agree to promptly notify BFS in writing (contact details below) upon becoming aware of any unauthorised access or any use of the website that infringes upon any proprietary rights.
4. You are permitted to print out or download information and content from this website only for your own personal non-commercial use or for the non-commercial use of your organisation. You may not offer for sale or sell or distribute over any medium any part of this website or its content. You may not make any part of the website available as part of another website, whether by hyperlink framing on the Internet or otherwise unless you have been authorised to do so in writing by BFS. To apply for authorisation, you must either e-mail or write to BFS (contact details below) with the following details: (a) your name or the name of the technical contact responsible for the link(s); (b) the name of your company; (c) the email address and telephone number for you or the technical contact responsible for the link(s); and (d) the website address(es) where the link(s) to the Home Page will appear. You may not use the BFS name or misuse the BFS brand in any way, such use or misuse to be determined solely at the discretion of BFS.
5. You shall not use this website for any illegal purposes and in particular you agree that you shall not send, use, copy, post or allow any posting which is defamatory or obscene or which is abusive, indecent or in breach of the privacy of any person. You agree not to send any unsolicited promotional or advertising material, spam or similar materials or any volume messages which may interfere with the operation of this website or with the enjoyment of this website by other visitors.
6. BFS reserves the right at any time and without notice to enhance, modify, alter, suspend or permanently discontinue all or any part of this website and to restrict or prohibit access to it.
7. Information that we acquire will be treated as confidential and will not be disclosed, other than in accordance with our Privacy Policy or your instructions.
In the normal course of performing services for our clients, information may be transferred and shared within the BFS Group and may be used both for research and statistical purposes and crime prevention. It may also be used to provide our clients with information about products and services that we believe could be of interest
When our clients supply us with information containing personal data (names, addresses, or other information relating to living individuals), we will hold and use that data to perform general insurance and other services for those clients on the understanding that the individuals to whom the data relates have been informed of the reason(s) for obtaining the data and the fact that it may be disclosed to third parties related to BFS.
8. You hereby agree to indemnify BFS against any costs, claims, losses and damages (including legal fees) incurred by or awarded against BFS as a result of your misuse of this website or your breach of these terms.
9. While this website may provide links to other websites BFS has no control over such sites. BFS cannot accept any liability for the accuracy or otherwise of any content, or the security of any activity carried out on other such sites. Your use of such sites is at your sole risk.
10. If you are in breach of these terms BFS may as its option, suspend your access to this website and refuse to provide you with any further access to it.
11. This website is provided to you free of charge without any warranties or guarantees unless specifically stated and BFS accepts no liability to you (except in the case of personal injury or death caused by its negligence or for fraud) whether in contract, tort (including negligence) or otherwise, arising out of it in connection with this website. Your sole remedy is to discontinue using this website. BFS's liability shall not be limited in the case of death or personal injury directly caused by BFS's negligence.
12. These terms may be amended by BFS from time to time. Your use of this Website following such changes constitutes your acceptance of these changes.
13. These terms and conditions and the content of this website are governed by Indian law whose Courts shall have exclusive jurisdiction.
14. Any questions or enquiries which you have in relation to this website or in relation to BFS should be sent via this form, or you can write to us at:
This document is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. BFS shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any statements concerning actuarial, tax, accounting or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, tax, accounting or legal advice, for which you should consult your own professional advisors.
Any modelling, analytics, or projections are subject to inherent uncertainty, and the BFS Analysis could be materially affected if any underlying assumptions, conditions, information, or factors are inaccurate or incomplete or should change. BFS makes no representation or warranty concerning the application of policy wording or the financial condition or solvency of insurers or re-insurers. BFS makes no assurances regarding the availability, cost, or terms of insurance coverage. Although BFS may provide advice and recommendations, all decisions regarding the amount, type or terms of coverage are the sole responsibility of the insurance purchaser, who must decide on the specific coverage that is appropriate to its particular circumstances and financial position.
For more details on risk factors, terms and conditions please read product sales brochure/ prospectus carefully issued by the insurer before concluding a sale.
BROTHERS FINANCIAL SOLUTIONS
23, Canal Street, Pratibha Enclave,
4th Floor, Room 409, Kolkata 700048
M - +917439833995