Shanta Life Insurance Limited (“Shanta Life”, “we”, “our”, or “us”) is committed to protecting the privacy and personal data of our customers, prospective clients, business partners, and website visitors. This Privacy Policy describes how we collect, use, store, disclose, and safeguard your information in accordance with applicable data protection regulations.

1. Agreement to Terms

• 1.1 Your access or use of this website signifies your acceptance of these Terms. If you do not agree with any of the provisions, we advise you to discontinue using the website immediately.
• 1.2 We reserve the right to revise these Terms of Use at any time without notice. Updated terms will be published on this page and take effect immediately upon posting. It is your responsibility to check this page periodically to remain informed of any changes.

2. Third-Party Websites

• 2.1 Our website may include links to external websites not operated or maintained by Shanta Life. These are provided for your convenience only.
• 2.2 We make no guarantees or warranties about the accuracy, content, services, or security of any third-party site. Visiting such sites is done at your own discretion and risk.

3. Disclaimer of Liability

• 3.1 You understand and agree that the use of this website is solely at your own risk.
• 3.2 To the maximum extent allowed by law, we disclaim all representations and warranties, whether express or implied.
• 3.3 We shall not be responsible for any losses or damages, including:
• (a) Loss of income, business, or data
• (b) Damage to your hardware or software due to viruses or harmful elements
• Our liability is limited to the extent permitted by Bangladeshi law.

4. Jurisdictional Limitations

The content and services on this site are intended for users in jurisdictions where they are legally available. You must comply with all applicable local laws.

5. Information Not to Be Taken as Advice

The information shared on this site is for general informational purposes only and should not be interpreted as professional or investment advice.

6. User-Provided Content

Any content you submit (excluding personal data) will be treated as non-confidential and non-proprietary.
By submitting content, you grant us the right to use and share it in any form. You waive any intellectual property claims over that material.

7. Intellectual Property

All materials on this site are owned by or licensed to Shanta Life. Without written consent, you may not:

• (a) Reproduce site content for commercial use
• (b) Distribute, publish, or modify materials
• (c) Create derivative works
• (d) Transfer rights granted under these Terms
• (e) Reverse engineer or tamper with the website/software

8. Website Availability and Technical Performance

• 8.1 We do not guarantee uninterrupted availability of the website.
• 8.2 We are not liable for downtime due to technical issues, user violations, or access restrictions.
• 8.3 Performance may vary by device or browser.
• 8.4 Users are responsible for verifying the accuracy of site content before reliance.

9. Software Licensing

Software provided through this site is licensed for personal, non-commercial use only. You must not alter or reverse engineer the software unless legally permitted.

10. Language Precedence

In the event of a translation conflict, the English version of these Terms shall prevail.

11. No Waiver of Rights

Our failure to enforce any part of these Terms does not waive our right to enforce them in the future.

12. Termination Clause

We may suspend or terminate access for violations of these Terms, fraud, or regulatory compliance concerns.

13. Applicable Law and Jurisdiction

These Terms are governed by the laws of Bangladesh. Disputes shall be settled under the jurisdiction of the Bangladeshi courts, with arbitration in Dhaka as a first step.

14. Definitions

• “Device”: Your internet-enabled hardware used to access this site
• “Loss”: Any damage, cost, or liability, whether direct or indirect
• “We”, “Us”, “Our”: Refers to Shanta Life Insurance Limited