Terms of Use

Last Updated: August 23, 2025

1. Acceptance of Terms

Welcome to the Ethika Insurance Broking Private Limited ("Ethika," "we," "us," or "our") website. By accessing or using our website, www.ethika.co.in, and its related services, including our interactive tools and platforms (collectively, the "Service"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our Service.

2. Intellectual Property Rights

All content, features, and functionality on this Service, including but not limited to text, graphics, logos, icons, images, and the selection and arrangement thereof, are the exclusive property of Ethika or its licensors. This includes our proprietary frameworks such as the "F.L.O.W. Code™," "Happiness Ecosystem™," "Red Carpet Promise™," and the "Ethika OS™" platform. This material is protected by Indian and international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from this content without our express written permission.

3. Use of Interactive Tools and Disclaimers

Our Service may include interactive tools such as premium estimators, ROI calculators, and risk assessment dashboards ("Tools").

  • For Informational Purposes Only: The results generated by these Tools are for informational and estimation purposes only. They are based on standardized assumptions and the data you provide.
  • Not Financial Advice: The information provided by these Tools does not constitute financial, legal, or insurance advice. It should not be used as the sole basis for making financial decisions. We strongly recommend you consult with a qualified professional for advice tailored to your specific situation.
  • No Guarantee: Ethika makes no representations or warranties regarding the accuracy, reliability, or completeness of the results generated by these Tools. Actual premiums, costs, savings, and liabilities will vary based on a detailed, formal risk assessment and underwriting process.

4. Limitation of Liability

To the fullest extent permitted by applicable law, Ethika, its affiliates, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of, or inability to access or use, the Service.
  • Any errors or omissions in the content of the Service.
  • Any decisions made or actions taken by you in reliance upon the information provided through the Service, including the results from our Tools.

5. User Conduct

You agree not to use the Service for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Service. You agree not to attempt to gain unauthorized access to any parts of the Service or any of our computer systems or networks.

6. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by Ethika. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

7. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the Republic of India, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Hyderabad, Telangana, India, to resolve any legal matter arising from these terms.

8. Changes to Terms

We reserve the right to modify or replace these Terms of Use at any time. We will provide notice of any significant changes by updating the "Last Updated" date on this page. Your continued use of the Service after any such changes constitutes your acceptance of the new terms.

9. Contact Us

If you have any questions about these Terms of Use, please contact us through our Contact Us page.