At Sardar Insurance ("we", "our", "us"), we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. Please read this policy carefully. By using our services, you consent to the practices described in this policy.
IRDAI Compliance: This Privacy Policy is compliant with applicable Indian laws including the Information Technology Act, 2000, and the Digital Personal Data Protection Act, 2023 (DPDPA). As an IRDAI-registered insurance agent, we also adhere to the Insurance Regulatory and Development Authority of India's data handling guidelines.
1. Information We Collect
1.1 Information You Provide Directly
When you use our website, contact form, or inquiry services, we may collect:
- Personal identification information (full name, date of birth, gender)
- Contact details (mobile number, email address, postal address)
- Financial information (income range, existing policies, investment goals)
- Health information (only when required for health insurance applications)
- KYC documents (PAN card, Aadhaar number, as required by law)
- Messages, queries, or feedback you send us
1.2 Information Collected Automatically
When you browse our website, we automatically collect:
- IP address and browser type
- Pages visited and time spent on pages
- Referring website and exit pages
- Device type (mobile, desktop, tablet)
- Geographic location data (city/state level, not precise)
2. How We Use Your Information
We use the information we collect for the following purposes:
- To respond to your insurance inquiries and provide personalized advice
- To process insurance applications and policy renewals on your behalf
- To send you relevant information about insurance plans, offers, and updates
- To assist with claims processing and customer support
- To comply with legal and regulatory obligations (IRDAI, Income Tax, AML/KYC)
- To improve our website content and user experience
- To send service notifications via SMS, email, or WhatsApp (with your consent)
- To prevent fraud, unauthorized access, and other illegal activities
We will never use your information for purposes beyond those listed above without your prior consent. We do not sell, rent, or trade your personal data to third-party marketers.
3. Information Sharing & Disclosure
We may share your information in the following circumstances:
- Insurance Companies & AMCs: We share relevant information with insurance companies (LIC, Star Health, New India Assurance, etc.) and AMCs when you apply for a policy or investment product through us.
- Regulatory Authorities: We disclose information to IRDAI, SEBI, AMFI, or other regulatory bodies as required by applicable law.
- Legal Requirements: We may disclose information in response to valid legal process (court orders, government requests) where legally required.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity subject to equivalent privacy protections.
- Service Providers: We use third-party service providers (hosting, analytics, SMS) who process data only on our behalf under strict data processing agreements.
4. Data Security
We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These include:
- SSL/TLS encryption for data transmission
- Secure server infrastructure with access controls
- Regular security audits and vulnerability assessments
- Staff training on data handling and confidentiality
- Strict access limitation – only authorized personnel can access personal data
However, no method of transmission over the internet is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
5. Cookies & Tracking Technologies
Our website uses cookies (small text files stored on your device) to improve user experience and analyze website usage. Types of cookies we use:
- Essential Cookies: Required for the website to function correctly (e.g., form sessions).
- Analytics Cookies: Help us understand how visitors use our site (e.g., Google Analytics).
- Preference Cookies: Remember your settings and language preferences.
You can control cookies through your browser settings. Disabling cookies may affect certain website features.
6. Your Rights
Under applicable Indian data protection laws, you have the following rights regarding your personal data:
- Right of Access: Request a copy of the personal data we hold about you.
- Right to Correction: Request correction of inaccurate or incomplete personal data.
- Right to Erasure: Request deletion of your personal data (subject to legal retention obligations).
- Right to Withdraw Consent: Withdraw consent for marketing communications at any time.
- Right to Grievance Redressal: Lodge a complaint with our Data Protection Officer.
To exercise any of these rights, contact us at info@sardarinsurance.in.
7. Third-Party Links
Our website may contain links to third-party websites (such as insurance company websites, government portals). We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any website you visit.
8. Contact Us & Policy Updates
If you have any questions about this Privacy Policy or our data practices, please contact us:
- Email: info@sardarinsurance.in
- Phone: +91 8512971380, +91 9143343157
- Address: 123 Insurance Lane, Park Street, Kolkata – 700001, West Bengal, India
We reserve the right to update this Privacy Policy at any time. Changes will be effective immediately upon posting to this page, with an updated "Last Updated" date. We encourage you to periodically review this page. Continued use of our services after changes constitutes your acceptance of the updated policy.
Questions? If you are unsatisfied with our response to a privacy complaint, you may lodge a complaint with the Data Protection Board of India once operational, or write to the IRDAI Grievance Cell at
igms@irdai.gov.in.