Terms & Conditions

1. Business Identity & Trademark Independence Statement

This website, BimaSakhi.com, is owned, operated, and managed by IMIAH Services.

2. Scope & Recruitment Positioning Disclosure

BimaSakhi.com is an independent candidate awareness, guidance, education, orientation, and recruitment assistance platform designed to assist eligible individuals interested in becoming LIC agents.

3. Acceptance of Terms & Usage Agreement

By accessing, browsing, or submitting information through BimaSakhi.com, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with any part of these terms, please discontinue using the platform.

4. Candidate Eligibility Criteria

Career opportunities and recruitment assistance described on this platform are intended for individuals who satisfy basic qualification requirements:

• Age Limit: Candidates must be at least 18 years of age.
• Minimum Qualification: Completion of 10th standard or equivalent education (or as mandated by LIC guidelines).
• Location Suitability: Eligibility criteria and branch locations may vary depending on operational requirements.

Eligibility requirements may change over time depending on LIC policies, regulatory mandates, and operational guidelines.

5. Recruitment Assistance Process & Decision Boundaries

BimaSakhi facilitates applicant orientation through structured steps: candidate registration, preliminary screening, document guidance, and training orientation.

Sole Authority Notice: IMIAH Services acts strictly as a guidance and recruitment facilitation provider. Final recruitment decisions, candidate selection, interview evaluations, training confirmations, and agent appointments remain solely with Life Insurance Corporation of India (LIC) as per its applicable rules and procedures.

6. Candidate Responsibilities & Independent Verification

7. Changes in LIC Guidelines & Regulations Notice

Life Insurance Corporation of India (LIC) may update or modify its eligibility criteria, examination rules, training schedules, commission models, and agency appointment terms at any time without prior notice to this platform. Applicants should rely on the latest official guidelines issued by LIC of India during their onboarding process.

8. No Employment Relationship Disclosure

Submitting an application or receiving recruitment assistance on BimaSakhi.com does not create an employer-employee relationship, partnership, or joint venture between the applicant and IMIAH Services. LIC agents operate as independent commission-based agents under applicable regulations governed by LIC of India.

9. No Guarantee of Selection or Fixed Earnings

• No Selection Guarantee: Submitting your details on BimaSakhi.com does not guarantee selection, interview clearance, or agent licensing by LIC of India.
• No Fixed Salary: LIC agency is a performance-based career opportunity. Earnings consist of commissions based on insurance policies serviced by the agent as per LIC rules. There is no fixed salary or guaranteed income.

10. Accuracy of Submitted Information

Candidates submitting application forms or inquiries are responsible for ensuring that all information provided (including full name, age, educational credentials, mobile number, and address) is accurate, current, and truthful. Submitting fraudulent or misleading details may lead to immediate disqualification.

11. Educational & Awareness Purpose Disclaimer

All articles, guides, income illustrations, FAQs, and informational materials on BimaSakhi.com are provided strictly for general awareness and career orientation purposes. They do not constitute formal legal, financial, tax, or investment advice.

12. Misuse of Platform & System Integrity

Users agree not to misuse BimaSakhi.com or engage in unauthorized activities:

• Submitting fake application details or impersonating other individuals.
• Attempting automated data scraping, harvesting, or reverse engineering platform code.
• Introducing computer viruses, trojans, bots, or malicious scripts.
• Interfering with server performance, network firewalls, or website security features.

13. Automated Tools & AI Assistance Notice

BimaSakhi.com may utilize automated software tools, conversational assistants, or AI technology to provide instant candidate guidance, FAQ answers, or basic application pre-screening. AI-generated responses and automated interactions may be reviewed by human support staff where appropriate to ensure accuracy.

14. Communication Authorization & Consent Withdrawal

By submitting your application details on BimaSakhi.com, you authorize IMIAH Services to contact you regarding your application status, interview schedules, and recruitment updates via phone calls, SMS, email, or WhatsApp Business Platform.

Opt-Out Rights: You may opt out of WhatsApp communications at any time by replying "STOP" in the chat, or request email communication stoppage by writing to support@bimasakhi.com.

15. Intellectual Property & Trademark Protection

All original text, website design, graphics, layout, and logos on BimaSakhi.com are the intellectual property of IMIAH Services unless otherwise stated.

LIC® and associated emblems are registered trademarks of Life Insurance Corporation of India. References to LIC on this platform are used solely for descriptive purposes under fair reference to inform eligible candidates about agency recruitment.

16. Website Availability & Scheduled Maintenance

While we strive to maintain high website availability, IMIAH Services does not guarantee uninterrupted, error-free, or continuous access to BimaSakhi.com. Access may be temporarily suspended without notice due to scheduled technical maintenance, system updates, server upgrades, or unforeseen network disruptions.

17. External Links & Governing Language Notice

Our platform may contain links to external third-party portals (such as licindia.in). IMIAH Services has no control over third-party content or privacy practices and accepts no responsibility for external websites.

Governing Language: In the event that these Terms & Conditions are translated into other languages (such as Hindi), the official English version published on this page shall govern in case of any linguistic ambiguity or conflict.

18. Limitation of Liability & Disclaimer

To the maximum extent permitted by applicable Indian law, IMIAH Services and its representatives shall not be liable for:

• Selection or rejection decisions taken by Life Insurance Corporation of India (LIC).
• Changes in recruitment rules, exam schedules, or commission policies announced by LIC.
• Any technical downtime, data loss, or indirect, incidental, or consequential damages arising from the use of this website.

19. Governing Law & Dispute Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of India. Any legal disputes, claims, or proceedings arising out of or in connection with the use of BimaSakhi.com shall be subject to the exclusive jurisdiction of the competent courts located in New Delhi, India.

20. Revision of Terms & Future Notices

IMIAH Services reserves the right to amend, update, or revise these Terms & Conditions at any time to reflect operational changes, statutory updates, or platform feature enhancements. Revised terms will be posted on this page with an updated "Last Updated" date. Continued use of BimaSakhi.com constitutes acceptance of the modified terms.

21. Official Support & Operating Contact Details

If you have questions, feedback, or legal inquiries regarding these Terms & Conditions, please contact our operating team: