Privacy & Data Protection Policy

1. Information We Collect

When you use our calculators, submit an enquiry form, request policy review, or contact our support desks, we may collect:

• Contact Details: Full name, 10-digit mobile number, email address, city, and state.
• Insurance Requirement Parameters: Category of interest (Life, Health, Motor, General), coverage estimate inputs (income, loan balances, existing sum insured), and queries submitted.
• Policy Information: Policy documents and information voluntarily provided for policy review, servicing, or claim-related assistance, which may include policy details, premium information, coverage parameters, nominee details, and health-related disclosures contained in submitted documents.
• Technical Telemetry & Security Logs: Device type, browser parameters, referring URL, and aggregated browsing metrics, along with IP addresses collected for platform security, server administration, fraud prevention, and performance optimization (IP addresses are masked or truncated in analytical storage where practicable).

2. Purpose of Processing & Communication Channels

Your personal data may be processed for the following purposes, as applicable to your request:

• Contacting you via Phone, WhatsApp, or Email regarding your specific insurance enquiry.
• Enabling qualified Insurance Sales Persons (ISPs) to provide parameter-based policy guidance, requirement assessment, and illustrative estimates.
• Assisting policyholders with documentation review, claim guidance, and grievance escalation.
• Operating, maintaining, securing, and optimizing platform performance and user experience.
• Complying with applicable statutory, regulatory, IRDAI, and legal requirements.

3. Consent & Communication Opt-Out

Submission of any lead or enquiry form requires an explicit opt-in confirmation for contacting you regarding your specific enquiry. Consent is specific and informed. You may withdraw your consent or request cessation of communication at any time by contacting our Privacy Desk.

4. Data Sharing & Third-Party Service Providers

RakshaPoint Insurance Marketing LLP does not sell or rent personal data to third parties.

Personal data may be shared with authorized insurers, qualified Insurance Sales Persons (ISPs), technology/service providers (such as website hosting, analytics, communication, security, and form-processing partners), or other parties where necessary to provide requested services, operate our website, comply with legal or regulatory requirements, prevent fraud, or protect our rights. Such sharing is strictly limited to what is reasonably necessary for the relevant purpose.

5. Data Retention

We retain personal data only for as long as reasonably necessary for the purpose for which it was collected, to provide requested services, maintain appropriate business and transaction records, comply with applicable legal and regulatory requirements, resolve disputes, prevent fraud, and enforce our agreements. When personal data is no longer required, it will be deleted or anonymized where reasonably practicable, subject to applicable retention requirements.

6. Cookies & Similar Technologies

We may use cookies and similar technologies to operate the website, remember preferences, understand website usage, improve performance, maintain security, and measure the effectiveness of our communications, where applicable. Users may manage cookies through their browser settings. Certain website functions may not work properly if necessary cookies are disabled.

7. Data Security & Breach Safeguards

We use reasonable technical, organisational, and administrative measures designed to protect personal data against unauthorized access, misuse, loss, alteration, or disclosure, appropriate to the nature of the personal data and the processing involved. In the event of a personal data breach requiring notification under applicable law, we will take required steps and provide notifications in accordance with applicable legal requirements.

8. User Rights & Privacy Requests

Subject to applicable law, you may request access to your personal data, correction of inaccurate information, withdrawal of consent where consent is the basis of processing, or deletion of personal data that is no longer required. Certain information may need to be retained where required by law or for legitimate legal or regulatory purposes.