Terms and Conditions

Last Updated: December 23, 2025

1. Acceptance of Terms

By accessing and using mtdbimasathi.site ("Website"), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this Website.

2. Use of Website

2.1 Permitted Use

You may use this Website for lawful purposes only. You agree to use the Website in accordance with all applicable laws and regulations.

2.2 Prohibited Activities

You are prohibited from:

• Using the Website for any illegal purpose
• Attempting to gain unauthorized access to the Website or its systems
• Interfering with or disrupting the Website's functionality
• Transmitting viruses, malware, or harmful code
• Harvesting or collecting user information without consent
• Impersonating any person or entity
• Posting false, misleading, or defamatory content
• Violating intellectual property rights

3. Intellectual Property Rights

3.1 Ownership

All content on this Website, including text, graphics, logos, images, videos, and software, is the property of mtdbimasathi.site or its content suppliers and is protected by copyright and intellectual property laws.

3.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without our written permission.

4. User Content

4.1 Submission

If you submit comments, feedback, or other content to the Website, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, modify, and display such content.

4.2 Responsibility

You are solely responsible for any content you submit. You represent that you own or have the necessary rights to submit such content.

5. Third-Party Links and Services

5.1 External Links

Our Website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites.

5.2 Third-Party Services

We may use third-party services for analytics, advertising, or other functionality. These services operate under their own terms and conditions.

6. Insurance Information

6.1 General Information Only

Any insurance-related information on this Website is for general informational purposes only and does not constitute:

• An insurance policy or contract
• Professional insurance advice
• A guarantee of coverage or claims approval

6.2 No Agent Relationship

We are not insurance agents or brokers unless explicitly stated. We do not sell insurance policies directly through this Website.

6.3 Verification Required

Always verify insurance information with licensed insurance providers, official government sources, or qualified professionals before making decisions.

7. Disclaimer of Warranties

The Website is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness of information
• Warranties of uninterrupted or error-free service

8. Limitation of Liability

To the maximum extent permitted by law:

• We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages
• We are not liable for any loss of profits, data, or business opportunities
• Our total liability shall not exceed the amount you paid to access the Website (if applicable)
• We are not liable for damages caused by viruses, technical failures, or unauthorized access

9. Indemnification

You agree to indemnify, defend, and hold harmless mtdbimasathi.site, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Website
• Your violation of these Terms and Conditions
• Your violation of any third-party rights
• Any content you submit to the Website

10. Privacy

Your use of the Website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our data practices.

11. Modifications to Terms

11.1 Right to Modify

We reserve the right to modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting.

11.2 Continued Use

Your continued use of the Website after changes are posted constitutes acceptance of the modified terms.

12. Modifications to Website

We reserve the right to:

• Modify, suspend, or discontinue any part of the Website
• Change features, functionality, or content
• Restrict access to certain areas or features

We shall not be liable for any modifications, suspensions, or discontinuations.

13. Termination

13.1 Our Rights

We reserve the right to terminate or suspend your access to the Website at any time, without notice, for any reason, including violation of these Terms and Conditions.

13.2 Effect of Termination

Upon termination, your right to use the Website will immediately cease. Provisions that by their nature should survive termination shall remain in effect.

14. Governing Law and Jurisdiction

14.1 Applicable Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles.

14.2 Dispute Resolution

Any disputes arising from these terms or use of the Website shall be resolved through:

1. Good faith negotiation between parties
2. Mediation or arbitration as mutually agreed
3. Courts of competent jurisdiction in India

15. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms and Conditions, along with our Privacy Policy and Disclaimer, constitute the entire agreement between you and mtdbimasathi.site regarding use of the Website.

17. No Waiver

Our failure to enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision.

18. Contact Information

For questions, concerns, or notices regarding these Terms and Conditions, please contact us through our website contact form or email.

19. Age Restriction

You must be at least 18 years old to use this Website. By using the Website, you represent that you are at least 18 years old.

20. Language

These Terms and Conditions are written in English. Any translations are provided for convenience only. In case of conflicts, the English version shall prevail.

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Acknowledgment

By using mtdbimasathi.site, you acknowledge that:

• You have read and understood these Terms and Conditions
• You agree to be bound by these terms
• You will comply with all applicable laws and regulations
• You understand that violation of these terms may result in termination of access

If you do not agree with these Terms and Conditions, please discontinue use of the Website immediately.