Bima bd - Terms of Service

Welcome to bimabd online marketplace platform, before you proceed with using the site, we advise you the read the terms of service and use of this website.

Flair Technologies Limited operates a website under the brand name “”, which provides an online platform: to view, compare, buy, avail, and manage different financial product(s) and/or service(es) as offered by the licensed financial product/service provider(s) other than Flair Technologies Limited and/or


By accessing our website or using our Service, you agree (A.) to be bound by these Terms of service and (B.) to use our Service in accordance with the terms and conditions herein stipulated. These Terms, together with the Privacy Policy (mentioned below) constitute the entire agreement between you and Flair Technologies Limited regarding our service.

If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind such entity and its affiliates to these Terms.

If you do not agree to these Terms, you may not use the Service.


Our Service is designed to enable you to obtain and/or avail different financial product(s) and/or service(es) digitally and/or physically by facilitating the connection between you and a/multiple licensed financial product/service provider. “The provider” is an independent contractor and is employed by an independent entity and not Flair Technologies Limited. Flair Technologies Limited provides an online platform to connect you with Providers who shall be available to provide you with certain financial product(s) and/or service(es). The description of their products and services are subject to their permission from the authorities, whose liabilities they obtain and shall provide for as per guaranteed.

The providers shelf their products in our platform and as such, we check the licensing arrangement of the website and yet assume no liability of the product itself, we facilitate a technology service for the providers and the users of the website alike. Through us the user can access the providers.

Confirmation of Services

Following purchase of any instrument or service, the user will be provided any email of confirmation of purchase, the email is not intended to be a proof of the document itself and holds no power in regards to dealing with authorities, it is a guarantee of the certificate to be issued by the financial institute at a certain date as specified or assessed by the provider for issuance.

Website Access grants you limited license to access and make personal use of the website and its services. This license/permission does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Bimabd's sole discretion) an unreasonable or disproportionately large load on Bimabd's infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Bimabd, in addition to any security measure as prescribed within the Digital Security Act 2018. By using the Site you agree not to: (i) use this Site or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.

Personal Account

In consideration of your use of the Site, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction and will only use the Site to make legitimate purchases for you or for another person for whom you are legally authorized to act (and will inform such other persons about the Terms of Service and/or Privacy Policy) that apply to the purchase you have made on their behalf (including all rules and restrictions applicable thereto). You also agree to provide true, accurate, current and complete information about yourself as prompted by If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Bimabd has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Bimabd has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). If you use the Site, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify Bimabd immediately of any unauthorized use of your account or any other breach of security. reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, reserves the right to terminate account as per Termination of Account clause.

Ancillary Web Services

Upon logging in, Bimabd may deliver promotional materials as an additional benefit, at your profile and/or contact outlets, which can be unsubscribed from at any moment by the user, upon which no promotional material will be delivered to you until further requested.

Coupon or discount materials may at times be available through our website for specific purpose to specified audience, thus only the ones provided as per marketing reasons will be subject to the materials only and shall not be open for use of everyone. User discretion at such cases is advised.

Review of product or services is an open platform and as such everyone will be entitled to their personal opinions and rate as per their preference on the services availed, any obscenity in such cases will not be entertained and as such all posts will be subject to review at the website and bimabd reserves the right to remove harmful/obscene posts to maintain harmony among users, in case of repeated or unwanted harmful attempts bimabd reserves the right to terminate the account as per Termination of Account clause and also if damaging to bimabd self, may take legal action as required.

Delivery of Services

If a policy paper is required or issued, the paper will be delivered during their required issuance time by the companies, the delivery will mostly be managed through third-party delivery networks and as such, kept in your local area for maximum a week from your prescribed time. In the case of papers being damaged through the third-party delivery network, the compensating time will be announced as per plan and/or in accordance with the terms and services of the third-party delivery provider.

Due Diligence and KYC

You agree and acknowledge that for undertaking any financial transaction through the website, Our Company may undertake client/customer due diligence measurers and seek mandatory information required for KYC purpose which as a customer you are obliged to give, while facilitating your request of insurance requirements with the insurance company(ies), in accordance with applicable PMLA laws and rules. Our Company may obtain sufficient information to establish, to its satisfaction or the insurance company, the identity of each new customer, and the purpose of the intended nature of insurance relationship between you and the insurance company(ies). In the event, payment towards insurance premium is remitted through a bank account opened in the name of the third party(i.e. not being in your name as the payment will be made through third party as bimabd accounts), you agree and acknowledge that Our Company can undertake enhanced due diligence measures(including any documentation or information extracted through the documents scan provided), to satisfy itself relating to customer due diligence requirements. You further agree and acknowledge that, in the case of refunds if any, the payment will be made through bimabd accounts.

Privacy policy

Termination of Account

Bimabd retains the right at our sole discretion to deny access to anyone to the website and the services we offer, at any time and for any reason, including, but not limited to, for violation of the Terms of Service and/or Privacy Policy.

Arbitration and Dispute Resolution

Any dispute, controversy or claim arising under, out of or relating to this contract and any subsequent amendments of this contract, including, without limitation, its formation, validity, binding effect, interpretation, performance, breach or termination, as well as non-contractual claims, shall be submitted to mediation in accordance with the Bangladesh Arbitration Act 2001. The place of mediation shall be agreed upon by both parties.

Service TAT


We do not assume any liability for any content posted by you or any other 3rd party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any 3rd party copyrights or trademarks, becomes the property of Flair Technologies Ltd., and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process.

You agree to indemnify and hold harmless Flair Technologies Ltd. and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Modification of Terms

Addition to, or modification of the terms and conditions of using the website and the purchase of services/policy papers/financial instruments shall only be provided in writing and active upon being updated here at