Last Updated: January 07, 2025
Welcome to LICCalculator.in (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website www.liccalculator.in (“Site”) and the services we provide through it. By accessing or using our Site, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our Site.
1. Introduction
LICCalculator.in is an independent web publisher dedicated to developing and publishing tools that assist users in understanding LIC (Life Insurance Corporation of India) policies. We are not affiliated with, endorsed by, or in any way associated with LIC. Our mission is to help individuals by providing easily accessible tools based on publicly available LIC information.
2. Acceptance of Terms
By accessing or using our Site, you affirm that you are at least 18 years old and capable of forming a binding contract. These Terms apply to all visitors, users, and others who access or use the Site.
3. Changes to Terms
We reserve the right to modify or replace these Terms at any time without prior notice. Any changes will be effective immediately upon posting on this page. It is your responsibility to review these Terms periodically for updates. Continued use of the Site after any changes constitutes acceptance of the new Terms.
4. Use of the Site
a. Eligibility
You must be at least 18 years old to use our Site. By using the Site, you represent and warrant that you meet this age requirement.
b. License to Use Site
We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for personal, non-commercial purposes in accordance with these Terms.
c. Prohibited Activities
You agree not to:
- Use the Site for any unlawful purpose or in violation of any local, state, national, or international law.
- Attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site.
- Use any automated means to access the Site for any purpose without our express written permission.
- Interfere with or disrupt the integrity or performance of the Site or any data contained therein.
- Use the Site to transmit any malicious software or conduct any activity that could damage, disable, overburden, or impair the Site.
5. No Affiliation with LIC
LICCalculator.in is not affiliated with, endorsed by, or in any way officially connected to the Life Insurance Corporation of India (LIC). All references to LIC are solely for identification purposes. We operate as an independent entity aiming to provide valuable tools and information based on publicly available LIC resources.
6. Intellectual Property
a. Ownership
All content, features, and functionality on the Site, including but not limited to text, graphics, logos, images, software, and data compilations, are the exclusive property of LICCalculator.in or its licensors and are protected by Indian and international copyright, trademark, and other intellectual property laws.
b. Limited License
You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may not modify, reproduce, distribute, create derivative works of, publicly display, or exploit any part of the Site without our prior written consent.
7. Accuracy of Information
While we strive to ensure that the information and calculations provided on our Site are accurate and up-to-date, LICCalculator.in does not warrant or guarantee the accuracy, completeness, or reliability of any content. Our calculators are designed to provide estimates based on the information available at the time of development and are subject to change based on LIC’s policy updates. Users are advised to verify information with official LIC sources.
8. No Financial Advice
The tools and information provided on LICCalculator.in are intended solely for informational purposes. They do not constitute financial, investment, or insurance advice. Users should consult with a qualified financial advisor or contact LIC directly for personalized advice tailored to their specific financial situation and needs.
9. Limitation of Liability
To the fullest extent permitted by law, LICCalculator.in and its owners, partners, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of our Site. This includes, but is not limited to, any errors or omissions in the content, loss of data, or any other losses incurred as a result of using our calculators or information provided.
10. Indemnification
You agree to indemnify, defend, and hold harmless LICCalculator.in, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees and costs, arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your infringement of any intellectual property or other rights of any person or entity.
11. Third-Party Links
Our Site may contain links to third-party websites or services that are not owned or controlled by LICCalculator.in. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. You acknowledge and agree that LICCalculator.in shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any third-party sites or services.
12. Privacy Policy
Your use of the Site is also governed by our Privacy Policy (link to Privacy Policy page), which outlines how we collect, use, and protect your information.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of India. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts in Bhubaneswar, India.
14. Dispute Resolution
In the event of any dispute, claim, question, or disagreement arising out of or relating to these Terms or the breach thereof, the parties shall use their best efforts to settle the dispute amicably. If an amicable settlement is not possible, the dispute shall be resolved through arbitration in Bhubaneswar, India, in accordance with the Arbitration and Conciliation Act, 1996.
15. Termination
We reserve the right to terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Site will cease immediately.
16. Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms constitute the entire agreement between you and LICCalculator.in regarding your use of the Site and supersede all prior agreements and understandings, whether written or oral.
18. Contact Us
If you have any questions or concerns about these Terms or our practices, please contact us at:
Email: [email protected]
Address:
LICCalculator.in
Gopabandhu Nagar, Gopabandhu Nagar,
Bhubaneswar – 751008, India