Last updated: 2026
These Terms & Conditions ("Terms") govern your access to and use of the website and services of Binay Insurance Financial Service, operated by Binay Kumar ("we", "us", "our"). By accessing this website or using our services, you agree to these Terms. If you do not agree, please do not use this website or our services.
We act as an insurance and financial advisor, helping you understand and choose suitable Products. Information provided on this website and during consultations is for general guidance only and does not constitute a binding offer, a solicitation, or professional legal, tax or accounting advice.
You must be at least 18 years of age and legally capable of entering into a contract to use our Services. By using our Services, you confirm that the information you provide is true, accurate and complete.
Insurance and investment Products carry their own terms, benefits, charges and risks defined by the respective insurers and fund houses. Returns on market-linked products are subject to market risk. Past performance is not indicative of future results. Any illustration of benefits or returns is indicative only, and the actual outcome will depend on the official Product documents and prevailing conditions.
We make reasonable efforts to keep the information on this website current and correct, but we do not warrant that it is complete, accurate or up to date at all times. Product features, premiums, terms and availability are governed solely by the official documents of the relevant insurer or institution, which will prevail in case of any discrepancy.
All Products are issued and underwritten by third-party insurers and financial institutions. The acceptance of proposals, issuance of policies, servicing, and all claim decisions rest solely with those companies, subject to their terms and applicable regulations. We facilitate and guide, but we do not underwrite Products or guarantee their approval or claim settlement.
Where applicable, we may receive commission or remuneration from insurers or institutions in accordance with prevailing regulations. Any fee for a specific service will be communicated to you in advance.
All content on this website, including text, graphics, logos and layout, is the property of Binay Insurance Financial Service or its licensors and is protected by applicable laws. You may not copy, reproduce, distribute or use any content without our prior written permission.
To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental or consequential loss arising from your use of this website, reliance on general information provided here, or the acts, omissions, or decisions of third-party insurers and institutions. Your decision to purchase any Product is made at your own discretion after reviewing the official documents.
You agree to indemnify and hold harmless Binay Insurance Financial Service and Binay Kumar from any claim, loss or expense arising out of your breach of these Terms or your misuse of the website or Services.
Your use of our Services is also governed by our Privacy Policy, which explains how we handle your personal information.
We may suspend or discontinue access to this website, or decline to provide Services, at our discretion and without prior notice, including where we believe these Terms have been breached.
These Terms are governed by the laws of India. Any dispute arising out of or in connection with these Terms or our Services shall be subject to the exclusive jurisdiction of the courts at Patna, Bihar.
We may revise these Terms from time to time. The updated version will be posted on this page with a revised "Last updated" date, and your continued use of the website or Services constitutes acceptance of the changes.
For any questions about these Terms, please contact:
Binay Kumar
Binay Insurance Financial Service
Chakaram, Ps-Buddha Colony, Po- GPO, Patna, Bihar 800001
Phone: 7903064449
Email: binaykumar2128@gmail.com
Insurance is the subject matter of solicitation. Please read the sales brochure and policy documents carefully before concluding a sale. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.