Privacy Policy

Insurance Support by Hari Kotian ("we", "our", "us") operates https://insurancesupport.online/ (the "Site"). This Privacy Policy explains how we collect, use, and protect your personal information when you visit our Site or use our services as an IRDAI-certified insurance advisor (Registration No: 0149161D).

By accessing or using our Site, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree, please do not use the Site.

1. Information We Collect

1.1 Personal Information You Provide Directly

• Contact Information: Name, phone number, email address, and communication preferences when you fill out forms, call, or message us via WhatsApp.
• Insurance Details: Policy numbers, existing insurance coverage, pre-existing conditions, claim history, and health/medical information submitted for claim recovery, policy reviews, or consultations.
• Location Data: City/neighborhood information when you inquire about local insurance advisory services.
• Communication Records: Copies of messages, call details, and correspondence including WhatsApp conversations.

1.2 Information Collected Automatically

• Usage Data: IP address, browser type, device type, pages visited, time spent, referral source, and clickstream data.
• Analytics Data: Collected via Google Analytics 4 (G-JP67H399V2), Google Tag Manager (GTM-P8DZ6MRQ), and Microsoft Clarity (v9dto5m10l).
• Cookies & Tracking: Session cookies and persistent cookies for user preferences, analytics, and advertising (Google Ads AW-18269976114).

1.3 Information from Third Parties

• Google (GA4), Google Ads, Microsoft Clarity, and Google Tag Manager for analytics and advertising.

2. How We Use Your Information

• To provide personalized insurance advisory, claim recovery assistance, and policy review services.
• To process and manage your insurance applications, claims, and policy purchases through partner insurers.
• To communicate with you (phone, email, WhatsApp, SMS) regarding your inquiries, consultations, and follow-ups.
• To improve our Site, services, and user experience through analytics and performance measurement.
• To comply with legal and regulatory obligations under IRDAI guidelines and Indian law.
• To send you marketing communications (you may opt out at any time via unsubscribe links).

3. Legal Basis for Processing (India & GDPR)

• Performance of Services: Processing is necessary to provide insurance advisory and claim recovery services you request.
• Legal Obligation: To comply with IRDAI regulations, RBI guidelines, and Indian government requirements.
• Legitimate Interests: For analytics, security, fraud prevention, and business operations.
• Consent: For marketing communications and optional data processing (you may withdraw consent at any time).

For visitors from the European Economic Area (EEA) or UK: This policy also governs your rights under the GDPR.

4. Data Sharing and Disclosure

• Insurance Companies: We share your information with insurers and their representatives (Life, Health, Motor, etc.) as necessary to process applications, claims, and policy servicing. This is essential for providing our services.
• IRDAI & Regulatory Bodies: As required by law or regulation, including IRDAI, RBI, and government authorities.
• Service Providers: Google Analytics, Microsoft Clarity, Google Ads, and hosting providers (Cloudflare Pages) who assist in operating our Site and services
• Professional Advisors: Legal, accounting, and consulting advisors as necessary for our business operations.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
• Legal Compliance: When required by law, court order, or to protect our rights, property, or safety.

5. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce agreements. Specifically:

• Consultation inquiries: 2 years from last contact
• Insurance application/claim documents: 7 years (per IRDAI/Indian contract law requirements)
• Analytics data: 26 months (Google Analytics default)
• Marketing records: Until unsubscribe or 3 years of inactivity

6. Your Rights and Choices

You have the right to:

• Access and obtain a copy of your personal data
• Rectify incorrect or incomplete personal data
• Erase your personal data (subject to legal retention requirements)
• Restrict or object to processing of your personal data
• Data portability (receive your data in a structured, machine-readable format)
• Withdraw consent at any time (does not affect lawfulness of prior processing)
• Lodge a complaint with the Data Protection Authority or IRDAI

To exercise these rights, contact us at the details below. We will respond within 30 days.

7. Data Security and Protection

We implement industry-standard security measures including:

• Encryption: TLS 1.3 encryption for all data transmission over the internet.
• Access Controls: Role-based access with multi-factor authentication for sensitive systems.
• Data Minimization: We collect only information necessary for our services.
• Regular Auditing: Security reviews aligned with IRDAI cybersecurity guidelines.

However, no method of transmission over the internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your data but cannot guarantee absolute security.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Essential: Site functionality, session management (cannot be disabled)
• Analytics: Google Analytics 4, Microsoft Clarity for usage analysis
• Advertising: Google Ads for retargeting and conversion tracking

You can disable cookies through your browser settings, though this may limit site functionality. For Google Ads opt-out, visit Google's Ads Settings.

9. Children's Privacy

Our Site and 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. International Data Transfers

Your data may be transferred to and processed in India and other jurisdictions where we or our service providers operate. We ensure appropriate safeguards are in place, including standard contractual clauses where required by law.

11. Links to Third-Party Sites

Our Site may contain links to third-party websites (insurers, partners, social media). This Privacy Policy does not apply to those sites. We are not responsible for the content, privacy practices, or data collection of third-party sites. We recommend reviewing their privacy policies.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. For material changes, we will notify you via email or prominent notice on our Site.

13. Grievance Officer

In accordance with the Information Technology Act, 2000, and the Consumer Protection (E-Commerce) Rules, 2020:

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data: