Privacy Policy

Last Updated: 11 Oct 2025

Effective Date: 11 Oct 2025

Introduction

Welcome to the Privacy Policy of Keyur Tirgar, Insurance Adviser. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website or use our insurance advisory services.

Your privacy is important to us. We are committed to protecting your personal information and being transparent about how we use it.

By using our website or availing our services, you consent to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

We collect various types of information to provide and improve our services to you.

1.1 Personal Information You Provide

When you contact us or use our services, we may collect:

Contact Information:

  • Full name
  • Email address
  • Phone number (mobile and/or landline)
  • Residential address
  • Office address
  • WhatsApp number

Demographic Information:

  • Date of birth
  • Age
  • Gender
  • Marital status
  • Number of dependents
  • Occupation
  • Employer details

Financial Information:

  • Annual income
  • Monthly income
  • Existing insurance policies
  • Investment details
  • Loans and liabilities
  • Bank account details (for premium payment setup)
  • PAN (Permanent Account Number)
  • Aadhaar number (where required and with consent)

Health Information (when applicable):

  • Medical history
  • Current health conditions
  • Family medical history
  • Lifestyle information (smoking, alcohol consumption)
  • Height and weight
  • Medical examination reports

Other Information:

  • Insurance needs and preferences
  • Financial goals
  • Family structure and dependents
  • Nominee details
  • Any other information you choose to provide

1.2 Information Collected Automatically

When you visit our website, we may automatically collect:

Technical Information:

  • IP address
  • Browser type and version
  • Operating system
  • Device information
  • Pages visited and time spent
  • Referring website
  • Date and time of visit

Cookies and Tracking Technologies:

  • We may use cookies, web beacons, and similar technologies
  • Purpose: Improve user experience, analyze website traffic, remember preferences
  • You can control cookies through your browser settings

1.3 Information from Third Parties

We may receive information about you from:

  • Insurance companies (policy status, claims information)
  • Medical examination centers
  • Credit bureaus (where applicable and with consent)
  • Government databases (for verification purposes)

2. How We Use Your Information

We use your personal information for the following purposes:

2.1 Primary Services

  • Insurance Advisory: Analyzing your needs and recommending suitable policies
  • Application Processing: Submitting applications to insurance companies
  • Comparison Services: Comparing policies across multiple insurers
  • Quote Generation: Providing premium quotes and illustrations
  • Policy Servicing: Assisting with policy changes, updates, renewals

2.2 Communication

  • Responding to your inquiries and requests
  • Providing information about insurance products
  • Sending policy updates and reminders
  • Premium payment reminders
  • Policy renewal notifications
  • Sharing important regulatory updates
  • Marketing communications (with your consent)

2.3 Claims Assistance

  • Processing and supporting insurance claims
  • Coordinating with insurance companies
  • Document collection and submission
  • Follow-up on claim status
  • Complying with IRDA regulations
  • Meeting insurance company requirements
  • Fulfilling legal obligations
  • Preventing fraud and misuse
  • Maintaining records as required by law

2.5 Business Operations

  • Improving our services
  • Website analytics and optimization
  • Training and quality assurance
  • Business development
  • Record keeping and administration

3. Legal Basis for Processing (Where Applicable)

We process your personal information based on:

  • Consent: You have given explicit consent for specific purposes
  • Contractual Necessity: Processing is necessary to provide services you've requested
  • Legal Obligation: Required to comply with IRDA and other regulations
  • Legitimate Interest: For business operations and improving services

4. How We Share Your Information

We may share your personal information with the following parties:

4.1 Insurance Companies

  • Application processing and policy issuance
  • Underwriting and risk assessment
  • Premium calculation
  • Policy servicing and claims processing
  • Only companies you choose to apply with receive your information

4.2 Medical Examination Centers

  • Conducting pre-policy medical examinations
  • Health assessment for underwriting
  • Only when required by insurance company

4.3 Service Providers

  • Technology service providers (website hosting, email services)
  • Document processing and storage services
  • Payment processing services
  • Communication platforms (WhatsApp Business, email services)

4.4 Regulatory Authorities

  • IRDA (Insurance Regulatory and Development Authority of India)
  • Other regulatory bodies as required by law
  • Law enforcement agencies (when legally required)

4.5 Business Partners

  • Co-insurance advisers or associates (with your consent)
  • Professional consultants (legal, accounting)

4.6 What We DON'T Do

We DO NOT:

  • Sell your personal information to third parties
  • Share your information for marketing by third parties (without consent)
  • Disclose sensitive information without legitimate need
  • Share information with unauthorized parties

5. Data Security

5.1 Security Measures

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

Technical Safeguards:

  • Secure website hosting (HTTPS/SSL encryption where applicable)
  • Password-protected systems
  • Encrypted data transmission
  • Regular security updates
  • Firewalls and anti-virus protection

Organizational Safeguards:

  • Access controls (only authorized personnel)
  • Confidentiality agreements
  • Regular training on data protection
  • Secure document storage
  • Controlled physical access to files

5.2 Data Retention

We retain your personal information:

  • As long as you remain our client
  • As required by IRDA regulations (typically 5-10 years)
  • As needed for legal and compliance purposes
  • Until you request deletion (where permissible)

Deletion: When information is no longer needed, it is securely deleted or destroyed.

5.3 Limitations

While we take reasonable precautions:

  • No internet transmission is 100% secure
  • We cannot guarantee absolute security
  • You are responsible for keeping login credentials (if any) confidential
  • Notify us immediately of any suspected security breach

6. Your Rights and Choices

You have the following rights regarding your personal information:

6.1 Access and Correction

  • Access: Request a copy of personal information we hold about you
  • Correction: Request correction of inaccurate or incomplete information
  • Update: Inform us of changes to your contact or personal details
  • Withdraw Consent: You can withdraw consent for marketing communications anytime
  • Opt-Out: Unsubscribe from promotional emails using the unsubscribe link
  • Marketing Preferences: Choose which communications you wish to receive

6.3 Restriction and Deletion

  • Restriction: Request limitation of how we use your information (subject to legal obligations)
  • Deletion: Request deletion of your information where:
    • No longer necessary for the purpose collected
    • You withdraw consent
    • No legal obligation to retain

Important: Some information cannot be deleted if:

  • Required by IRDA regulations
  • Needed for active policy servicing
  • Subject to legal retention requirements
  • Necessary for claims processing

6.4 Data Portability

Where technically feasible, you may request your information in a structured, commonly used format.

6.5 Complaints

You have the right to lodge complaints about our data practices with:

  • Keyur Tirgar (contact details below)
  • IRDA's grievance redressal mechanism
  • Appropriate data protection authorities

7. Cookies and Tracking Technologies

7.1 What Are Cookies?

Cookies are small text files stored on your device when you visit websites.

7.2 Types of Cookies We Use

Essential Cookies:

  • Necessary for website functionality
  • Enable core features like security and accessibility
  • Cannot be disabled

Analytics Cookies:

  • Help understand how visitors use the website
  • Collect anonymous usage statistics
  • Example: Google Analytics (if used)

Functionality Cookies:

  • Remember your preferences
  • Enhance user experience
  • Example: Language preference, location

Marketing Cookies (if applicable):

  • Track visitors across websites
  • Display relevant advertisements
  • Used only with your consent

7.3 Managing Cookies

You can control cookies through:

  • Browser Settings: Block or delete cookies
  • Cookie Consent Banner: Choose preferences on first visit
  • Opt-Out Tools: Third-party opt-out mechanisms

Note: Disabling cookies may affect website functionality.

8. Third-Party Websites

Our website may contain links to:

  • Insurance company websites
  • Regulatory authority websites
  • Educational resources
  • Social media platforms

8.2 No Responsibility

  • We are not responsible for privacy practices of third-party websites
  • We recommend reviewing privacy policies of websites you visit
  • Third-party websites are not governed by this Privacy Policy

9. Children's Privacy

9.1 Age Restriction

Our services are intended for individuals 18 years and older.

9.2 No Intentional Collection

We do not knowingly collect personal information from children under 18.

9.3 Parental Notice

If we become aware of collecting information from a child under 18:

  • We will delete the information promptly
  • Parents/guardians should contact us if they believe we have such information

Exception: Information about minors may be collected when they are:

  • Nominees in insurance policies
  • Insured persons in child insurance plans
  • This is collected from parents/legal guardians with consent

10. Communication Preferences

10.1 Types of Communication

We may contact you through:

  • Phone calls - For consultations, follow-ups, reminders
  • SMS/Text messages - Premium reminders, policy updates
  • Email - Quotes, policy information, newsletters
  • WhatsApp - Quick queries, document sharing, updates
  • Postal mail - Policy documents, official communications

10.2 Marketing Communications

With your consent, we may send:

  • Information about new insurance products
  • Educational content about financial planning
  • Special offers and promotions
  • Industry news and updates

10.3 Opt-Out Options

You can opt-out of marketing communications by:

  • Clicking "unsubscribe" in emails
  • Replying "STOP" to SMS messages
  • Contacting us directly
  • Updating preferences in your account (if applicable)

Important: You cannot opt-out of:

  • Transactional communications (policy confirmations, premium reminders)
  • Legal and regulatory notices
  • Service-related announcements
  • Claim-related communications

11. International Data Transfers

11.1 Primary Location

Your information is primarily stored and processed in India.

11.2 Limited International Transfers

In rare cases, information may be transferred internationally if:

  • Using cloud services with international servers
  • Insurance company requires international processing
  • Service providers are located outside India

11.3 Safeguards

When transferring data internationally, we ensure:

  • Adequate data protection standards
  • Compliance with Indian data protection laws
  • Contractual safeguards with service providers

12. Social Media

12.1 Social Media Presence

We may maintain profiles on:

  • Facebook
  • LinkedIn
  • Instagram
  • Twitter
  • Other platforms

12.2 Information Collection

When you interact with our social media:

  • We may see your public profile information
  • We may collect information you share with us
  • Social media platforms have their own privacy policies

12.3 Third-Party Control

  • Social media platforms control information collected through their services
  • Review their privacy policies for details
  • We are not responsible for their privacy practices

13. Updates to Privacy Policy

13.1 Right to Modify

We reserve the right to update this Privacy Policy at any time to reflect:

  • Changes in our practices
  • Legal or regulatory requirements
  • New services or features
  • Industry best practices

13.2 Notification of Changes

When we make significant changes:

  • Updated date will be changed at the top
  • Notice will be posted on the website
  • Email notification may be sent (for material changes)
  • Continued use of services constitutes acceptance

13.3 Review Regularly

We encourage you to review this Privacy Policy periodically to stay informed.

14. Contact Information for Privacy Matters

14.1 Questions and Concerns

If you have questions about this Privacy Policy or our data practices:

Keyur Tirgar
Insurance Adviser

Phone/WhatsApp: +91 9784309640
Email: tirgarkuriya@gmail.com
LIC Agent Code: 04699-102

Office Address:
Manglam Complex, Banswara 327001
Rajasthan, India

14.2 Privacy Requests

To exercise your privacy rights (access, correction, deletion):

  • Contact us using the details above
  • Provide sufficient information to verify your identity
  • Specify your request clearly
  • We will respond within 30 days

14.3 Complaints

If unsatisfied with our response:

  • Contact IRDA's grievance cell
  • File complaint with appropriate data protection authority
  • Seek legal remedies as applicable

15. Data Protection Officer (If Applicable)

If we appoint a Data Protection Officer (DPO), contact details will be provided here.

16. Special Notices

16.1 Sensitive Personal Information

We collect sensitive personal data (health, financial) only:

  • With your explicit consent
  • When necessary for insurance services
  • With appropriate security measures
  • As permitted by law

16.2 Video/Audio Recording

Occasionally, we may record:

  • Phone conversations (for quality and training)
  • Video consultations (with consent)
  • You will be informed before recording begins

16.3 Document Collection

We may collect copies of:

  • Identity proof (Aadhaar, PAN, Passport)
  • Address proof
  • Income proof
  • Medical reports
  • Bank statements

These are used only for legitimate insurance purposes and stored securely.

17. Your Responsibilities

17.1 Accurate Information

  • Provide accurate and complete information
  • Update us about changes in circumstances
  • Do not share others' personal information without consent

17.2 Security

  • Keep login credentials secure (if applicable)
  • Do not share sensitive information via unsecured channels
  • Notify us of any suspected security breaches
  • Ensure you have authority to provide information about nominees, dependents, etc.
  • Obtain consent from family members where their information is shared

18. Automated Decision Making

18.1 Limited Use

We do not typically use automated decision-making for insurance recommendations.

18.2 Human Involvement

Our recommendations are made by qualified insurance advisers after:

  • Personal consultation
  • Needs analysis
  • Consideration of your unique circumstances

18.3 Insurance Company Processes

Note: Insurance companies may use automated systems for:

  • Premium calculation
  • Risk assessment
  • Underwriting decisions
  • Their processes are governed by their privacy policies

19. Compliance with Laws

This Privacy Policy complies with:

  • Information Technology Act, 2000
  • Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
  • IRDA regulations and guidelines
  • Other applicable Indian laws and regulations

By using our website or services, you consent to:

  • Collection of personal information as described
  • Use of information for stated purposes
  • Sharing of information with insurance companies and service providers
  • Communication via phone, email, SMS, WhatsApp
  • This Privacy Policy

Acknowledgment

BY USING THIS WEBSITE OR AVAILING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS PRIVACY POLICY.

If you do not agree to this Privacy Policy, please do not use our website or services.

Summary

We collect your personal, financial, and health information to provide insurance advisory services.

We use this information to recommend policies, process applications, and provide ongoing support.

We share information with insurance companies and service providers necessary to deliver services.

We protect your information with appropriate security measures.

You have rights to access, correct, and delete your information (subject to legal requirements).

We are transparent about our practices and committed to protecting your privacy.

For any privacy-related questions or concerns, please contact:

Keyur Tirgar
Phone: +91 9784309640
Email: tirgarkuriya@gmail.com

Keyur Tirgar
LIC Agent Code: 04699-102
IRDA Certified Insurance Adviser
Serving All Over Rajasthan

Last Updated: 11 Oct 2025
Effective Date: 11 Oct 2025

This Privacy Policy is designed to inform you about how we handle your personal information while ensuring compliance with applicable laws and regulations. Your privacy and trust are our priorities.