🔒 Privacy Policy

📋 Overview

Kumar Insurance ("we", "us", or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our website kumarinsurance.co.in or contact us via WhatsApp.

📥 Information We Collect

We collect information you voluntarily provide when requesting a quote or contacting us:

• Name, mobile number, and email address
• Vehicle RC number (for motor insurance quotes)
• Age, family size (for health insurance quotes)
• Existing policy details (for Policy Audit service)
• City / location (for relevant insurer matching)

We also collect standard website analytics data (pages visited, time spent) through Google Analytics — this data is anonymous and does not identify you personally.

🎯 How We Use Your Information

• To generate insurance quotes and provide advisory
• To contact you via WhatsApp or phone for your quote request
• To conduct Policy Audit as requested by you
• To send follow-up reminders (you can opt out anytime)
• To improve our services and website

We do NOT use your data for: Selling to third parties, spam marketing, or any purpose unrelated to your insurance needs.

🤝 Data Sharing

We share your information only in these limited circumstances:

• Insurance Partners: When you request a quote, relevant details are shared with our insurance distribution partners (including Turtlefin/Turtlemint) to generate accurate quotes. These partners are IRDAI-registered entities.
• Insurance Companies: When you choose to proceed with a policy, your details are shared with the respective insurer for policy issuance and KYC.
• Legal Requirements: If required by law or regulatory authorities (IRDAI, RBI, etc.)

🔐 Data Security

We take reasonable technical and organizational measures to protect your personal data:

• Website secured with SSL/HTTPS encryption
• WhatsApp communications are end-to-end encrypted by WhatsApp
• Access to customer data is restricted to authorized personnel only
• We do not store sensitive financial information (card numbers, bank details) on our systems

📱 WhatsApp Communications

When you contact us via WhatsApp or submit your number through our website:

• You consent to receiving insurance quotes and advisory via WhatsApp
• You may receive follow-up messages regarding your query (max 3 follow-ups)
• You can opt out anytime by replying "STOP" on WhatsApp
• WhatsApp messages are governed by WhatsApp's own Privacy Policy

⏰ Data Retention

We retain your personal data for as long as necessary to provide services and comply with legal obligations:

• Quote requests: 90 days (unless you proceed with a policy)
• Policy records: As required by IRDAI regulations (typically 5 years)
• Analytics data: 26 months (as per Google Analytics default)

You can request deletion of your data at any time by contacting us.

✅ Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of the data we hold about you
• Correction: Ask us to correct inaccurate information
• Deletion: Request deletion of your personal data
• Opt-out: Withdraw consent for marketing communications
• Complaint: Lodge a complaint with relevant authorities

To exercise any of these rights, contact us via WhatsApp at +91-9217-59-5078 or email info@kumarinsurance.co.in

🍪 Cookies

Our website uses minimal cookies for functionality and analytics. We use Google Analytics to understand website traffic — this data is aggregated and anonymous. You can disable cookies in your browser settings, though this may affect website functionality.

🔄 Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be notified via our website. Continued use of our services after changes constitutes acceptance of the updated policy. We encourage you to review this page periodically.