Terms and Conditions

Last updated: September 15, 2026

Welcome to premiums.ffkolkata.cam (the “Website”, “Service”, “we”, “us”, “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Website. Please read them carefully.

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of them, you must not use the Website.

1. Eligibility

You must be at least 13 years old (or the minimum age of digital consent in your country) to use this Website. By using it, you represent that you meet this requirement and that you have the legal capacity to enter into these Terms.

2. Nature of the Service

The Website provides general educational articles, guides and comparisons about insurance premiums – including life, health, motor, home and travel insurance – and related financial topics.

We are not an insurance company, underwriter, broker, agent, aggregator or licensed financial institution, and we are not authorised or regulated by any insurance or financial regulator. We do not sell policies, issue quotes, assess eligibility, collect premiums or handle claims.

All content is for general information only and does not constitute insurance, financial, investment, medical, legal or tax advice. Always consult an appropriately licensed professional before acting. See our full Disclaimer, which forms part of these Terms.

3. Premium Figures Are Not Quotes

Any premium amounts, price ranges, comparison tables or calculator results on the Website are illustrative estimates based on generalised assumptions. They are not quotations, not offers of cover, and not a guarantee of the price you will be charged. Only a licensed insurer or broker can provide a binding quote after underwriting. You must verify all figures and policy terms directly with the insurer before purchasing.

4. Licence to Use the Website

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable and revocable licence to access and view the Website for your own non-commercial use. All rights not expressly granted are reserved.

5. Intellectual Property

Unless otherwise stated, all content on the Website – including text, articles, graphics, layouts, comparison tables, logos, design elements and compilations – is owned by us or our licensors and is protected by copyright and other intellectual property laws.

You may: read the content, print or save individual pages for personal reference, and share links to our pages.

You may not, without our prior written permission:

  • Republish, duplicate, translate or redistribute our content, in whole or in substantial part;
  • Sell, rent, sub-licence or commercially exploit any content;
  • Scrape, harvest, mine or systematically copy content, including for training datasets or automated republication;
  • Remove or alter copyright notices, attributions or branding.

Short quotations are permitted where they are clearly attributed and accompanied by a visible link to the original page.

6. Third-Party Trademarks

Insurer names, product names, brand names and logos referenced on the Website belong to their respective owners and are used for identification and descriptive purposes only. Their appearance does not indicate affiliation, endorsement or sponsorship in either direction.

7. Acceptable Use

You agree not to use the Website:

  • In any way that breaches applicable local, national or international law or regulation;
  • To transmit spam, malware, viruses or any other harmful or disruptive code;
  • To attempt to gain unauthorised access to the Website, its servers, databases or any connected system;
  • To interfere with or disrupt the Website’s performance, security or availability (including denial-of-service attempts);
  • To use automated systems (bots, crawlers, scrapers) in a manner that places unreasonable load on our infrastructure;
  • To impersonate any person or misrepresent your affiliation with any person or entity;
  • To harass, abuse, defame or harm others, including insurers discussed on this Website.

We may restrict or terminate your access at any time, without notice, if we reasonably believe you have breached these Terms.

8. User-Generated Content

If the Website allows comments or other submissions, you remain responsible for what you post. You warrant that your content is your own (or that you have permission to post it), is lawful, accurate and not defamatory, obscene, hateful, misleading or infringing.

By submitting content, you grant us a worldwide, royalty-free, non-exclusive, perpetual licence to use, reproduce, adapt, publish and display it in connection with the Website. We may edit, refuse or remove any submission at our discretion and are under no obligation to monitor user content.

Do not post policy numbers, national ID or CNIC numbers, bank details, medical information or other sensitive personal data in public comments.

9. Advertising, Affiliate Links and Sponsored Content

The Website is supported by advertising and may contain affiliate or referral links. If you click such a link and take a qualifying action, we may earn a commission at no extra cost to you. Advertisements are served by third parties (for example Google AdSense and its partners); we do not control, endorse or guarantee advertised products or services. Any dealings with advertisers or insurers are strictly between you and them.

10. Third-Party Links and Products

The Website may link to third-party websites, insurer pages and comparison services for your convenience. We have no control over their content, pricing, policies or practices and accept no responsibility for them. Inclusion of a link or a product mention does not imply endorsement. Any insurance contract you enter into is solely between you and the insurer, and we are not a party to it.

11. Accuracy and Availability

We aim to keep the Website accurate and available, but we do not guarantee that content is current, complete or error-free, or that access will be uninterrupted or secure. Premiums, regulations and product terms change frequently. We may modify, suspend, or discontinue any part of the Website at any time without notice or liability.

12. Disclaimer of Warranties

The Website and all content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement, to the fullest extent permitted by law.

13. Limitation of Liability

To the maximum extent permitted by applicable law, we and our owners, contributors and service providers shall not be liable for any indirect, incidental, special, consequential, punitive or exemplary damages, or for any loss of profits, savings, data, goodwill, a rejected claim, a lapsed policy, or uncovered medical or repair expenses, arising out of or related to your use of (or inability to use) the Website – even if we were advised of the possibility of such damages.

Where liability cannot lawfully be excluded, our total aggregate liability to you shall not exceed USD 100 or the amount you paid us to access the Website (which is normally zero), whichever is greater. Nothing in these Terms excludes liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.

14. Indemnity

You agree to indemnify and hold us harmless from any claims, damages, losses, liabilities and expenses (including reasonable legal fees) arising from your use of the Website, your user content, or your breach of these Terms or of any law or third-party right.

15. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect and handle information, including cookies and third-party advertising.

16. Copyright Complaints

If you believe content on this Website infringes your copyright, contact us at contact@ffkolkata.cam with a description of the work, the exact URL, evidence of ownership and your contact details. We will investigate and remove infringing material where appropriate.

17. Changes to These Terms

We may revise these Terms at any time. The updated version takes effect when published on this page, and the “Last updated” date will change. Your continued use of the Website after any revision constitutes acceptance of the new Terms. Please review this page periodically.

18. Severability, Waiver and Entire Agreement

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions remain in full force. Our failure to enforce any right is not a waiver of that right. These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and us regarding the Website.

19. Governing Law

These Terms are governed by and construed in accordance with the laws of the Islamic Republic of Pakistan, without regard to conflict-of-law principles. The courts of Pakistan shall have jurisdiction over any dispute, save that mandatory consumer-protection rights available to you in your country of residence remain unaffected.

20. Contact Us

Questions about these Terms? Reach us at: