Welcome Note
We’re pleased to welcome you to www.btwimf.com, your trusted platform for comparing and purchasing insurance with ease. By accessing or using this website, you acknowledge that you’ve read, understood, and agreed to comply with these Terms and Conditions, along with our Privacy Policy. These terms help create a safe, transparent, and reliable environment for all users. Whether you’re here to explore insurance options, get a quote, or seek guidance, we’re committed to supporting you at every step.
Our Services
BTW Financial Services & IMF Private Limited is a licensed insurance Agency that connects users with insurance providers across various categories such as health, motor, life, travel, and more. Our primary role is to facilitate and simplify the process of choosing the right insurance policy by helping you compare plans, understand features, and submit proposals to insurers. We work with a range of trusted insurance companies, and our services are purely advisory and intermediary in nature. Final decisions, terms, and coverage are governed solely by the selected insurance provider.
Who Can Use Our Services
Our platform is available to any individual who agrees to abide by these Terms. By using this site, you confirm that the information you provide is accurate, complete, and up to date. Misrepresentation of identity, submitting false information, or attempting to use the platform for illegal or deceptive practices is strictly prohibited. We reserve the right to deny or restrict access to users who misuse the platform or violate these terms.
User Responsibilities
To ensure a fair and efficient experience for all users, we expect you to use the website responsibly. You agree to provide truthful and complete information, especially when submitting inquiries or insurance applications. It’s your responsibility to thoroughly review the terms, conditions, and inclusions of any policy before purchasing. Using the website in a way that disrupts service for others, including spamming, hacking, or distributing malicious software, is strictly prohibited. We encourage respectful and lawful engagement at all times.
Information Accuracy and Limitations
We make every effort to provide accurate and up-to-date information regarding insurance products, providers, and processes. However, the information presented on this website is intended for general awareness and guidance only. It should not be construed as legal, financial, or tax advice. While we strive for accuracy, there may be instances where errors or omissions occur. We strongly recommend that users consult the actual insurance policy documents and the respective insurance provider for the most reliable and binding information.
Third-Party Links and Services
Our website may include links to external websites, tools, or services provided by third parties. These links are offered to enhance your experience or to direct you to relevant resources. However, we do not control or take responsibility for the content, policies, or accuracy of information on those third-party websites. Your use of such external services is at your discretion and subject to their respective terms and conditions. We recommend reviewing their privacy policies and disclaimers before proceeding.
Intellectual Property and Usage Rights
All content featured on our website — including text, graphics, logos, design elements, software tools, and other materials — is the intellectual property of BTW Financial Services & IMF Private Limited or its content partners. This content is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, duplicate, distribute, republish, upload, or modify any part of the website content for commercial purposes without prior written consent. Limited personal use is permitted for the purpose of evaluating insurance options and services.
Privacy and Data Handling
Your privacy is extremely important to us. We are committed to collecting, storing, and handling your personal information responsibly and securely. All data collected through the website is used solely to provide services such as insurance comparisons, quote generation, and claim assistance. We do not sell or share your personal information with unauthorized third parties. Our data practices are detailed in our Privacy Policy, and by using the site, you consent to these practices. You can always contact us for clarification or to request changes to your stored data.
Guarantees and Claims Assistance
BTW IMF operates strictly as an insurance Advisor and not as a claims processor or underwriter. While we do not make decisions on claims or provide any guarantees on claim approval, we are committed to supporting our customers during the claim journey. Our assistance includes helping you understand the claim process, guiding you on necessary documentation, and coordinating communication with the insurance provider when needed. However, it is important to understand that all insurance claims are ultimately reviewed, processed, and settled by the respective insurance company, in accordance with their policy terms and conditions. We cannot influence or expedite claim decisions. Your policy document remains the final authority in all matters related to claims.
Limitation of Liability
While we work diligently to offer dependable services, we cannot be held liable for any direct, indirect, incidental, or consequential losses that may arise from the use of this website or from relying on any information provided herein. We are not responsible for inaccuracies in policy comparisons, third-party content, system outages, or any delays caused by insurance companies. By using our platform, you acknowledge that you are solely responsible for any decisions made and actions taken based on the information available on the website.
Policy Updates and Revisions
We reserve the right to revise, amend, or update these Terms and Conditions at any time to reflect changes in legal, operational, or service needs. Any updates will be posted on this page, and we encourage users to check this section regularly. Continued use of the website after changes have been made constitutes your acceptance of the revised terms.