Privacy Policy

1. Information We Collect

We collect information that you provide directly to us when you:

• Request insurance quotes or consultations
• Fill out contact forms on our website
• Call us or communicate with us via email
• Apply for insurance policies through us
• Participate in surveys or promotions

Types of Personal Information Collected:

• Contact Information: Name, address, email address, phone number
• Demographic Information: Age, gender, date of birth
• Financial Information: Income details, bank account information (for policy premiums)
• Health Information: Medical history, pre-existing conditions (for health/life insurance)
• Vehicle Information: Vehicle details, driving history (for motor insurance)
• Identification Information: PAN card, Aadhaar card, passport details as required by regulatory authorities

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance quotes and policy recommendations
• To process insurance applications and policy issuance
• To assist with claims processing and settlement
• To communicate with you about your policies and services
• To send important updates, policy renewal reminders, and payment notices
• To improve our services and customer experience
• To comply with legal and regulatory requirements
• To prevent fraud and ensure security

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties for marketing purposes. We may share your information with:

Insurance Companies:

We share necessary information with insurance providers (LIC and other insurers) to process your applications and service your policies.

Service Providers:

We may share information with third-party service providers who assist us in operating our business, such as IT service providers, document processing services, and customer support platforms.

Legal Requirements:

We may disclose information when required by law, such as to comply with a subpoena, court order, or regulatory requirements from IRDAI (Insurance Regulatory and Development Authority of India).

Business Transfers:

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Secure storage of physical documents in locked cabinets
• Password protection and encryption of digital files
• Regular security assessments and updates
• Limited access to personal information to authorized personnel only
• Secure data transmission protocols

Despite our efforts, no security measures are 100% impenetrable. We cannot guarantee the absolute security of your information transmitted to our website or via email.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. Specifically:

• Policyholder information is retained for the duration of the policy plus 7 years after policy termination as per IRDAI guidelines
• Prospect information is retained for 3 years from last contact
• Financial records are retained for 8 years as per Income Tax requirements

After the retention period, we securely delete or anonymize your information.

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request correction of inaccurate or incomplete information
• Deletion: You can request deletion of your personal information, subject to legal and contractual obligations
• Opt-out: You can opt-out of marketing communications at any time
• Data Portability: You can request a copy of your information in a structured, machine-readable format

To exercise these rights, please contact us using the information provided at the end of this policy.

7. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance user experience, analyze website traffic, and personalize content. You can control cookies through your browser settings.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance company portals and payment gateways. This privacy policy does not apply to those websites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. Changes to This Privacy Policy

We may update this privacy policy from time to time. The updated version will be indicated by an updated "Last Updated" date at the top of this page. We encourage you to review this privacy policy periodically to stay informed about how we are protecting your information.

11. Contact Us

If you have any questions, concerns, or requests regarding this privacy policy or our data practices, please contact us:

Grievance Officer: Motilal Sharma

Email: motilalinsurance4@gmail.com | Phone: +91 88267 25972

We will respond to your inquiry within 30 days.

12. Consent

By using our services, providing your information, or contacting us for insurance services, you consent to the collection, use, and sharing of your information as described in this privacy policy.