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Bajaj Finserv Direct Ltd (BFDL), is a registered Corporate agent (Composite) under valid IRDAI registration number: CA0551 issued by IRDAI. BFDL acts as Corporate Agent for solicitation and procurement of insurance business for the following Insurance Companies (“Insurers”). 

Insurers for Non-life insurance:

1. Bajaj Allianz General Insurance Company Limited (IRDAI Reg. no. 113) 

2. Acko General Insurance Limited (IRDAI Reg. no. 157)

 

Insurers Partners for Life insurance:

1. Bajaj Allianz Life Insurance Company Limited (IRDAI Reg. no. 116)

 

DISCLAIMERS

  • Insurance is a subject matter of solicitation. 
  • BFDL does not underwrite the risk nor act as an Insurer. The insurance products offered is underwritten by respective Insurance Partners only.
  • Insurance product information displayed on the Site is of the respective Insurer with whom BFDL have an agreement. The information and data provided on this Site, to the best of our ability, is accurate. While all reasonable care has been taken with regards to the information published on the Site, BFDL does not claim that the Site shall be free or errors or inconsistencies or accept any legal responsibility for the same.
  • For more details on the risk factors, benefits, exclusions, limitations please read the policy terms and conditions, sales brochure of the respective Insurance Product carefully before concluding the sale. 
  • Any Discounts offered on insurance products is by respective Insurance Company as approved by IRDAI.
  • Your purchase of an insurance product basis the information provided on this Site, is purely voluntary, basis your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFDL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly.
  • The information provided by you will form the basis of the insurance policy, and that the policy will come into force only after full payment of the premium by the respective Insurance Company. 
  • You declare that you will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the Insurance Company. You authorize BFDL/Insurance Company to share information of your proposal including the medical records of the insured/ proposer for the sole purpose of underwriting the proposal and/or claims settlement with the Insurance Company and with any Governmental and/or Regulatory authority, as and when required.
  • All claims under the policy will be solely decided upon by the respective Insurance Company. BFDL holds no warranty and does not make any representation about the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. 
  • Taxes shall be applicable as per governing tax laws and shall be borne by the Policyholder as per applicable rate. Tax laws are subject to change from time to time. Please consult your tax advisors for details. 

ULIP Disclaimer

  • IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

  • Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the Customer/Policyholder shall be responsible for his/her decision.

  • By choosing to invest via this Site you hereby voluntarily choose to bypass the Suitability Module as you have understood the benefits, terms and conditions of the product/plan chosen by You and You further declare that the product/plan selected by You suits your requirements.

  • The name of an Insurance Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. Also, Past performance is no guarantee of future results. and is of indicative nature.

Bajaj Finserv Direct Limited (referred hereinafter as ‘BFDL’) renders services to Bajaj Finance Limited (‘BFL’) and Bajaj Housing Finance Limited (‘BHFL’) (referred hereinafter as ‘Lending Partner’) as in sourcing of customers, providing preliminary credit support activities, fulfilment services and post-acquisition customer services related to lending business. In pursuance to your application for a loan, you agree to have read and accepted the following terms:

1.       Your loan application on the website is not a commitment to lend. All loans subject to credit approval. Sanction of Loan granted to you is the sole decision of the lending partners. BFDL holds no warranty and does not make any representation about the sanction of loans.

2.       Rates shown are minimum available and may vary depending on your individual circumstances, loan amount and lender partner’s approval criteria.

3.       Any decision to apply for a lending product is solely at your own risk and responsibility and BFDL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly.

4.       Your loan application may be rejected without specifically assigning a reason to reject the application. BFDL or the lending partners will have no warranty or liability for such rejections.

5.       You will keep BFDL informed of any change in the information provided by you in this application form.

6.       You confirm that you have/had no insolvency proceedings against you nor have you ever been adjudicated insolvent by any court or other authority and you further confirm that you have read the information on various loan products available on the Website.

7.       The EMI calculators are provided on the website are only as self-help planning tools. Results depend on many factors, including the assumptions you provide. BFDL does not guarantee their accuracy or applicability to your application.

Bajaj Finserv Direct Limited (“BFDL”) is merely displaying the products of various dealers/manufacturers/merchants (“Sellers”) on its website/platform, that may be purchased by a customer (“You”) by availing the credit facility (“Loan”) provided by Bajaj Finance Limited(“BFL”).

The said products are manufactured, sold and/or delivered by the Seller and the Seller shall be solely responsible for the  quality/quantity/merchantability/delivery/installation/replacement/exchange in relation to the product and related services.  BFDL and BFL shall not be liable in any manner whatsoever for any issues in relation to the product and related services provided by the Seller.

Disclaimer of Warranties – DIGITAL GOLD

1.       The facility to purchase and/or sell Gold through BFDL website and mobile application [“Platform”] is provided by Digital Gold India Private Limited under its brand name “SafeGold”. BFDL is simply acting as Facilitator of the Services through its Platform between User and SafeGold. Any and all of the transactions relating to buying/selling/redemption or gifting of the Gold and related Services thereof are being rendered by SafeGold in association with the Intermediaries (namely the Security Trustee and Vault Keeper) with whom separate agreements have been entered into by SafeGold.

2.       BFDL does not make any representations, recommendations, projections, warranties or guarantees of any kind, either expressed or implied, as to the performance responsibilities or service levels of SafeGold and its Products with respect to future prices or any return on investment.

3.       Availing such Services on the Platform shall be at User’s entire discretion and User shall be solely responsible for undertaking appropriate and effective due diligence and related analysis before undertaking any transactions. Usage of any Product/Service of SafeGold through the Platform shall constitute a legally binding contract between User and SafeGold.

4.       All information, content, materials and services included on or otherwise made available to User in relation to Digital Gold through BFDL’s Platform is provided on an "as is," "as available" basis. BFDL makes no representations or warranties of any kind for accuracy of information provided by SafeGold. To the full extent permitted by law, BFDL disclaims any and all representations and warranties with respect to the Platform (or any part thereof) and its contents, whether express or implied, including, without limitation, warranties of title, merchantability, and or fitness of the Digital Gold Services for a particular purpose and non-infringement. BFDL makes no representations or warranties of any kind, express or implied towards operation, uptime of the Platform at all times or the accuracy or completeness of the contents on its Platform.

5.       BFDL shall have no responsibility for any damage to User’s computer system or loss of data that results from the download of any content, materials, document or information or any other losses incurred by the User resulting from use of this Platform.

6.       User expressly agrees that they shall use the Platform is at their sole risk. User accepts that they shall be responsible for entering correct details when initiating a transaction for purchase of Digital Gold on the Platform. BFDL shall not be liable for any damages of any kind including without limitation any erroneous transactions due to User entering wrong details or technical error of the Platform.

7.       The Prices displayed for the products are on the Platform represents the value of the respective Product. There might be fees, charges in addition to payment for prices displayed on the Platform. Such additional fees and charges may be including but not limited to any taxes, fees, shipping cost, out of pocket expenses, custody charges, minting and delivery charges etc. BFDL shall not be held responsible for any charges if not duly verified by the User.

8.       Users are required to exercise necessary due diligence to verify any damage or tampering of the packet before receiving the Gold. BDFL shall not be liable for any loss or damage to User when any tampered packet is accepted by the User and later reported.

9.       The Platform may allow User to post their review and feedback of using the Platform ("Reviews") in order to improve the Platform and the user experience. User, being the originator of the Reviews, are responsible for the Reviews that they upload, post, publish, transmit or otherwise makes available on the Platform. User represents that all such Reviews will be in accordance with applicable law. User acknowledges that the Facilitator does not endorse any Reviews on the Platform and is not responsible or liable for any Reviews on its Platform. The Facilitator reserves the right to disable access to the Reviews on the Platform. Also User hereby grant the Facilitator a perpetual, non-revocable, worldwide, royalty-free and sub-licensable right and license to use, copy, distribute, display, publish, transmit, make available, reproduce, modify, adapt the Reviews in any manner as deemed appropriate by the Facilitator in any form including but not limited to print, broadcast, online and across any and all websites and Platforms owned by the Facilitator.

10.   User hereby acknowledges that BFDL shall not be liable to User for any losses caused to them whether indirect, consequential, special, incidental, punitive, or exemplary damages, including, without limitation, lost profits, lost savings and lost revenues (collectively, the “excluded damages”), whether or not characterized in negligence, tort, contract, or other theory of liability.

These Disclaimers shall be in addition to the TERMS OF USE and PRIVACY POLICY of BFDL’s Website and the TERMS AND CONDITIONS of SafeGold.

1. BFDL community offers more personalized and exclusive products, offers and services [“Offers”] from BFDL and its business partners for meeting your financial needs basis the information you have provided. 

2. The Offers are subject to correct and accurate information provided by you. Any modification of the details provided by you may lead to change in the personalized and Exclusive Offers.

3. You have understood and voluntarily consented to register as a member of BFDL community to get such personalized and exclusive Offers from BFDL in tie up with its business partners while you access any Services on this Web-Site including the Application.

4. BFDL reserves right to share your personal information with Third-party on a need to know basis for providing personalised and exclusive Offers to you.

5. Your subscription to this community is purely on voluntary basis. Any advice given as part of the Offers should be considered for general information only and not solicitation for specific product.  Any reliance on the opinion or information given hereunder shall solely be at your own discretion. BFDL shall not be liable for any loss or damage which you or any third party may suffer whether due to negligence or reliance on the opinion or information provided or otherwise. 

6. The Offers are brought to you by BFDL on as is basis from various business partners of BFDL and BFDL shall not be liable for any failure of Service, loss, damage, claims, compensation which you or any third party may suffer due to use of any of the features and benefits offered under such personalised and exclusive Offers.

7. Exclusive products, offers and services and its terms referred hereunder are subject to Product's specific terms and conditions. 

8. BFDL do not warrantee or guarantee the fitness of the features and benefits of these Offers for any particular purpose and or merchantability of such Offers.

9. By accepting this you agree to comply with the TERMS OF USE AND PRIVACY POLICY of this Website and the TERMS AND CONDITIONS governing the specific Products to be availed from this Platform.

10. You can unsubscribe to the abovementioned services by clicking “Unsubscribe” button.