Privacy Policy

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, and analytics providers under strict confidentiality agreements

All third parties are contractually bound to protect your data and use it only for the specified purposes.

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 and Tracking

We use cookies and similar technologies to:

• Ensure website functionality and security
• Analyze website traffic and user behavior (via Google Analytics)
• Remember your preferences

You can manage cookie preferences through your browser settings. We do not use cookies for targeted advertising.

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: