Terms and Conditions
"DJT Corporation & Investment Pvt Ltd"
“Deerika” is a trademark of DJT Retailers Private Limited (“Company”), a Company incorporated under the provisions of Companies Act, 2013 having its corporate office at Plot No. A2B, 8th Floor, Sector-125, Noida-201303. The domain name www.djtretailers.com is owned by the Company.
It is strongly recommended that you read and understand the terms and conditions carefully, as by accessing this site, you agree to be bound by the same and acknowledge that it constitutes an agreement between you and the Company. If you do not agree with the terms, you should not use or access the site for any purpose whatsoever and in that event the Company shall not be liable or responsible.
These terms may be subject to amendment, so you should carefully read them prior to placing your order.
1. Service Overview
Products offered through the Website and/or Mobile App are available to only select geographies in India and are subject to restrictions based on business hours and regulations, as enforceable by law.
2. Access to Website
Deerika/Company hereby provides its conditional permission for you to access the Website in accordance with these terms and conditions provided that you use the website on your continued and absolute compliance with these terms and conditions. You shall not rent, transfer, assign, commercially exploit, resell or sublicense access to the services/products available on the website. You may only use this website solely for (1) your personal, non commercial use (2) you may download a single copy of the materials from the website only for your personal, non-commercial home use. You agree not to use or launch, or cause to be used or launched, any automated/computerized/analog/hybrid system or program in connection with the website or online ordering, including without limitation, publishing or distributing vouchers or codes, robots, spiders, offline readers, place pop-up windows over its pages, or otherwise effect the display of its pages and anything of similar nature.
Except as expressly provided herein, you may not modify, copy, distribute, broadcast, transmit, reproduce, publish, license, transfer, sell, mirror, frame, deep link, or otherwise use any information or material obtained from or through this website without the written permission of the Company.
We always try to provide you uninterrupted access to the website of Deerika/Company and that transmissions will be error-free. However, due to the nature of the internet, this cannot be guaranteed.
3. Use of our Website
These terms and conditions are applicable only for the use of the website and they replace all other conditions, except, prior writing agreement of the Deerika/Company. These terms are important for both you and Deerika/Company as they have been designed to create a legally binding agreement between us, protecting your rights as a valued customer and our rights as a business. You agree that, by placing your order, you unreservedly accept these terms, having read them.
You agree that:
1. You may only use the Website/Mobile App to make legitimate enquiries or orders.
2. You will not make any speculative, false or fraudulent orders. If we are reasonably of the opinion that such an order has been made, we shall be entitled to cancel the order and inform the relevant authorities.
4. If you do not give us all of the information that we need, we may not be able to complete your order.
4. Electronic Communication
By sharing your Contact Information, you have consented to be contacted by us on the said contact number even if the said contact information is registered under “National Do Not Call” (NDNC) Registry.
Bimakaro can call, send a SMS text message, Whatsapp, email for payment confirmation and other message to your mobile number. Once you provide us with the mobile number, you will receive a message from us such as payment confirmation, bill reminders and other relevant messages, including information to inform you of new or additional services offered by us from which you may benefit. Message frequency depends upon your geographical location that we use to send you message relevant to our services available in the area.
5. User Generated Content
In these terms and conditions, "your user content" means material (including but not limited to text, images, audio material, video material and audio-visual material) that you submit to our website, for that you submit to our website, for whatever purpose.
Your user content must not be defamatory, vulgar, obscene, offensive, libellous, slanderous or illegal or unlawful in a ny way and must not infringe any third party's rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threat or actual legal proceedings or other similar complaint.
We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website without prior notice or explanation.
Notwithstanding our rights under these Terms and Conditions in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.
6. Limitation of Liability
Under no circumstances, including but not limited to negligence, shall the Bimakaro, its employees and directors, its suppliers and its third party advisors be liable to the User for any direct, indirect, incidental, special or consequential damages or any damages whatsoever including punitive or exemplary (including, but not limited to, damages caused by any virus, personal injury, loss of profits, data or other intangible, business interruption, loss of privacy, or any other pecuniary loss), arising out of or in any way connected with the use/delivery/performance of this Web Site, with the delay or inability to use this Web Site or any links or items on the Web Site, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through this Web Site, or otherwise arising out of the use of this Web Site, whether based on contract, tort, strict liability or otherwise, or for cost of procurement of substitute goods and repair & correction services or resulting from the use of this Web Site or obtained or messages received or transactions entered into through or from the Web Site or resulting from unauthorized access to or alteration of User's transmissions or data, even if the Bimakaro have been advised of the possibility of such damages.
The User agrees that the Bimakaro shall not be liable for any damages arising from interruption, suspension or termination of the Web Site, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. However, in no event shall the Bimakaro’s liability to the User for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by the User, if any, for accessing the Web Site.
Bimakaro also assumes no responsibility and shall not be liable for, any damages to or viruses that may infect, your computer/equipment/handset/any other mode of accessing this website or other property as a result of your access to, use of, browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website. Bimakaro makes no guarantees to you or third parties that content contained on the website would be virus free.
7. Legal Disclaimer
In the preparation of this Web Site ("Site") and its content including images, text files etc., Bimakaro has/may have used information that is publicly available including some information that is developed in-house.
The information on this Site is provided "AS IS". Bimakaro does not warrant the accuracy of the materials, contents provided herein, either expressly or implied, for any particular purpose and expressly disclaims any warranties of merchantability or fitness for a particular purpose. Bimakaro will not be responsible for any loss or damage that could result from interception by third parties of any information made available to you via this Site. Although the information provided to you on this Site is obtained or compiled from sources, Bimakaro believes to be reliable. Bimakaro does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither the Bimakaro, nor any of its affiliates, directors, officers or employees, will be liable or have any responsibility of any kind for any loss or damage that you may incur and/or suffer in the event of any failure or interruption of this Site, or resulting from the act or omission of any other party involved in making this Site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the Site or these materials, contents, whether or not the circumstances giving rise to such cause may have been within the control of the Bimakaro or of any vendor providing software or service support. In no event will the Bimakaro be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if Bimakaro or any other party have been advised of the possibility thereof.
All Users of this Site should before dealing and/or transacting in any of the products referred to in this Site make their own investigation, seek appropriate professional advice.
All transactions that are carried out by and on behalf of the Customer shall be subject to Government notifications, the rules, regulations and guidelines issued by the IRDAI, Reserve Bank of India, and any other regulatory bodies defining rules/regulations governing the offer of any service on the Web Site.
The Web Site is maintained by Bimakaro and the use of the Web Site by the User is subject to the Terms and Conditions and all applicable Indian laws. his Web Site is offered to the User on the condition that User accepts the Terms and Conditions contained herein, without modification or reservation f any of the terms, conditions and notices contained herein and by accessing and browsing this Website, the User accepts, without limitation or qualification, the Terms and Conditions and acknowledges that any other agreement between the User and the Bimakaro are superseded and of no force or effect.
8. Cancellation and Refund Policy Cancellation of the policy by you:
If you don’t agree to certain terms and conditions in your policy, you can cancel it any time before the renewal date. To initiate a cancellation, you need to write an application to thee insurance company stating the reason for canceling the policy. The insurance company or insurer referred to here is the company whose policy you have purchased. Depending on when you have applied for cancellation your request will be processed. The period of cancellation will be considered as the time when the insurance company receives the written request.
As per Insurance Regulatory and Development Authority of India (IRDAI) rules and regulations, a Free-look period is a 15 days period post purchase of policy, in which the insurance companies give their customers to review the policy and cancel it, if required. This free-look period is mandated for life insurance and health insurance policies, subject to certain other terms and conditions specified by IRDAI. We encourage all our customers to read the insurance policy document carefully and avail the free look facility in case the terms and conditions of the insurance policy document does not match your insurance requirements.
If you request a cancellation of your policy within the free-look period, the policy gets cancelled and entire premium is refunded to you subject to deduction of:
Charges pertaining to medical tests.
Stamp duty cost.
Proportionate risk premium of the period for which you were covered.
Also, please note that the free-look provision is not applicable for renewals.
Cancellation by the insurance company:
The insurance company has the right to cancel your policy if there is fraud, misrepresentation, non-disclosure of important facts or non-cooperation by the insured members. In such cases the insurance company will give a notice period of 30 days and there won’t be a refund of the premium.
Refund of the premium:
In case of a refund due to an erroneous transaction or cancellation, the premium paid for an insurance product will be refunded via cheque or direct credit as per the policy terms and conditions.
9. Force Majeure
The Bimakaro/Service Provider shall not be liable for any failure to perform any of its obligations if the performance is prevented, hindered or delayed by a Force Majeure event such as including but not limited to unavailability of any communication system, sabotage, flood, explosion, civil commotion, strikes or industrial action of any kind, riots, war or acts of government, other cause similar to which is beyond the reasonable control of the Bimakaro/Service Provider.
10. Governing Law and Jurisdiction
Bimakaro accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of the India. The mere fact that the website can be accessed by a visitor or customer in a country other than India would not mean that the laws of the said country would govern these Terms. The validity, construction and performance of this Terms and Conditions shall be governed by and interpreted in accordance with the laws of India.
User agrees to defend, indemnify and hold harmless Bimakaro, its employees, directors, officers, partners and their successors and assigns from and against any and all claims, liabilities, damages, losses, costs and expenses, including attorney’s fees, caused by or arising out of claims based upon:
User’s actions or inactions, including but not limited to any warranties, representations or undertakings or in relation to the non-fulfillment of any of its obligations under this Agreement or arising out of the user’s infringement of any applicable laws, regulations including but not limited to Insurance Act, IRDA Act and the rules and regulations framed thereunder, intellectual property rights of Bimakaro;
Payment of statutory dues and taxes;
Claim of libel, defamation, violation of rights of privacy or publicity, loss of service by other subscribers;
Your use or someone else’s use of your access to the website;
A claim that any use of the website by you or someone using your computer infringes any intellectual property right of any third party, or any right of personality or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party; and/or
Infringement of intellectual property rights or other rights of Bimakaro.
12. Access Restriction
Bimakaro reserves the right to deny to any user, at the Bimakaro’s sole discretion, access to the website, including any portion thereof, without any prior notice.
If any part of these Terms and Conditions are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms and Conditions shall continue in effect.
14. Access to Password Protected/Secure Areas
Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
13. Modification of these Terms and Conditions
Bimakaro has the absolute discretion to amend or supplement any of these Terms at any time, without notice. The modifications to the Terms shall be displayed on the Web Site. On and from the date on which the amendment or supplement is notified by display on the Web Site, the User shall, by virtue of these Terms and without any further act, deed or writing on the part of any party, be deemed to have accepted the changed terms and conditions by access or visit to the Web Site.
16.Trademark & Copyright
All trademarks, services marks, trade names, logos, icons and domain names located on this website are the property of Bimakaro. Any logos, trade-marks, service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the service, belong to those companies, and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this website and/or the service we provide belong to Bimakaro. All rights of Bimakaro in such intellectual property rights are hereby reserved
17. Entire Agreement
The User acknowledges that any rights not expressly granted herein are reserved. These Terms and Conditions constitute the entire agreement between Bimakaro and the User with respect to this Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and the Bimakaro with respect to this Web Site.
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section. Bimakaro does not guarantee, it will take action against all breaches of this terms and conditions. Except as otherwise expressly provided in this terms and conditions, there shall be no third-party beneficiaries to this terms and conditions. This terms and conditions constitute the entire agreement between you and Bimakaro and governs your use of the Site, superseding any prior agreements between you and Bimakaro with respect to the Site.