At Tatkal Claims ("we", "us", or "our"), we are committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your personal data when you use our website and services, in compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act) and other applicable Indian laws.

1. Information We Collect

We collect the following categories of personal data:

Identity Information: Full name, email address, phone number
Case Information: Insurance policy details, claim rejection letters, correspondence with insurers, and documents related to your dispute
Technical Data: IP address, browser type, device information, and cookies
Communication Data: Records of your interactions with us via WhatsApp, email, phone, or our contact form

2. How We Use Your Information

We process your personal data for the following lawful purposes:

To evaluate your insurance dispute and provide case assessment
To communicate with you regarding your case status and updates
To file complaints with insurers, IRDAI, Insurance Ombudsman, or courts on your behalf
To comply with legal and regulatory obligations under IRDAI guidelines
To improve our services and website functionality
To send you informational updates about insurance rights (only with your consent)

We do not sell, rent, or trade your personal data to third parties for marketing purposes.

3. Legal Basis for Processing

Under the DPDP Act, 2023, we process your personal data based on:

Consent: When you submit our contact form or engage our services
Legitimate Interest: To pursue your insurance claim dispute and protect your rights
Legal Obligation: To comply with regulatory requirements and court orders
Contractual Necessity: To perform our service agreement with you

4. Data Sharing and Disclosure

We may share your information with:

Insurance Companies: When filing complaints or claims on your behalf
Regulatory Bodies: IRDAI, Insurance Ombudsman, and Consumer Courts as required
Legal Partners: Advocates and retired ombudsmen assisting with your case
Service Providers: Cloud hosting, email, analytics, and, when enabled, advertising technology providers used to operate and measure our website

We require service providers to handle data for the purposes for which they are engaged and subject to applicable contractual, platform, and legal requirements. Advertising providers may process technical identifiers as described in the Cookies and Tracking section below.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal data:

SSL/TLS encryption for data transmission
Secure cloud storage with access controls
Regular security audits and vulnerability assessments
Restricted access to personal data on a need-to-know basis
Staff training on data protection and confidentiality

6. Data Retention

We retain your personal data for as long as necessary to:

Provide our services and fulfill your case requirements
Comply with legal and regulatory obligations (typically 7 years for insurance records)
Resolve disputes and enforce our agreements

Once the retention period expires, we securely delete or anonymize your data in accordance with the IRDAI (Maintenance of Insurance Records) Regulations, 2015.

7. Your Rights Under DPDP Act, 2023

As a Data Principal, you have the following rights:

Right to Access: Request a copy of your personal data
Right to Correction: Request correction of inaccurate or incomplete data
Right to Erasure: Request deletion of your personal data (subject to legal obligations)
Right to Grievance Redressal: File a complaint with the Data Protection Board of India
Right to Withdraw Consent: Withdraw your consent at any time
Right to Nominate: Nominate another individual to exercise your rights in case of death or incapacity

8. Cookies, Analytics and Advertising

We use cookies and similar technologies to:

Ensure website functionality and security
Analyze website traffic and user behavior (via Google Analytics)
Remember preferences and consent choices where applicable
When advertising is enabled, support ad delivery, frequency capping, aggregated reporting, fraud prevention, and related measurement

When enabled on selected Knowledge Centre articles, we may use Google AdSense. Tatkal Claims is configured to request non-personalized ads by default. Non-personalized ads are selected using contextual information such as the content of the current page and coarse location rather than a visitor's past browsing behavior or interest profile.

Non-personalized advertising may still use cookies, local storage, IP addresses, or similar identifiers for purposes such as frequency capping, aggregated ad reporting, security, and fraud prevention. Third-party vendors, including Google, may place or read these technologies when advertising is active.

We do not intentionally use insurance claim documents, case details, contact-form information, health information, or other information you submit to Tatkal Claims to personalize advertising.

Where applicable law requires consent for advertising or analytics technologies, we use consent controls before the relevant processing is enabled. You may also manage cookies through your browser settings.

You can learn more about how Google uses information from sites and apps that use its services in Google's partner sites privacy information.

9. Third-Party Links

Our website may contain links to third-party websites (e.g., IRDAI, Insurance Ombudsman). We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a revised "Last Updated" date.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact our Data Protection Officer:

Tatkal Claims

help@tatkalclaims.com

+91 7207382073

84, Bakol Street, Laudin Villa, Bhayander West, Mumbai - 401101

Disclaimer: This Privacy Policy is provided for informational purposes and does not constitute legal advice. For specific legal guidance, please consult a qualified attorney.