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Welcome to Benefits Circle and its Website www.benefitscircle.com

Benefits Circle facilitates a simple, easy and fair way of buying insurance both offline and online. OWIBL is not an insurance company. OWIBL is a licensed Insurance Broking Company holding a Broking license from the Insurance Regulatory and Development Authority of India.

Our participating insurance companies provide some part of the information available on the WebSite.While these companies generally make endeavor to provide accurate information, OWIBSL has limited control over such information and therefore does not guarantee over the authenticity, accuracy, consistency, completeness and timeliness of such information.

The Company, through the Web Site provides services subject to the following conditions.

Before you may use the Web Site, you must read and accept all of the terms and conditions in, and linked to, the Terms of Use and the Privacy Policy available on the Web Site. We strongly recommend that, as you review these Terms, you also access and review the linked information, since the same is incorporated into, referenced and hereby made part of these Terms.

We believe that the information provided on the Web Site is reliable; however, the Company does not warrant its accuracy or truthfulness. The contents of research material, articles and data analytics/interpretation are solely the views of the respective contributors. Accordingly, the same may not be treated as those represented by the Company.

OWIBL, or its employees, affiliates, directors and persons involved in preparation of this information may deal or take positions at any time in financial securities, mutual funds and or other financial instruments and insurance products dependent or independent of the opinion and information contained in the Website.

The Terms are effective upon acceptance. Use of any functionality of the Website constitutes acceptance of these Terms. If the Terms conflict with any other documents, the Terms will prevail for the purposes of usage of the Website. If you do not agree to be bound by these Terms and the Privacy Policy, you may not use the Site in any way. Please return to this page periodically to review the most current version of the Terms. The Company reserves the right, at any time, at our sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of this Website signifies your acceptance of the updated or modified Terms.

The Company may have business relationship with the companies mentioned herein and may enter or might have entered into any contract or have or may have any transaction in the ordinary course of its business.

The Company and its directors, employees, associates, or other representatives shall not be liable for any damages or injury arising out of or in connection with the use or non-use, including non availability of the Web Site or accuracy or authenticity of information thereon and also for any consequential loss or any damages caused because of non performance of the system due to computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reasons whatsoever.The Company will not be responsible for any liability arising out of delay in providing any information on the Web Site.

The Company may provide services of linked sites to the Users of the Web Site; however, it will not be responsible for the contents of such linked sites, neither does it endorse the content of the linked sites nor the services/information provided by such sites.

The Web Site is not intended for distribution to, or use by, any person in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. The insurance services and products mentioned in the Web Site may not be available or legally permitted to be purchased or availed in every jurisdiction / country.The Users are responsible to comply with the applicable laws and regulations in their respective jurisdictions.

This disclaimer clause shall be applicable to any person visiting/accessing this Web Site and/or a customer entering into an agreement related to availing of the Services from the Company.