Last Updated: [Date]
Dhan Kesari (“we,” “us,” or “our”) is committed to protecting your privacy. This policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website https://dhan-kesari.com or use our services.
1. Information We Collect
We may collect the following data:
- Personal Information: Name, email, phone number, address, age, gender, and KYC details (PAN, Aadhaar) for policy processing.
- Financial Information: Income, payment details, and banking information (for premium payments).
- Technical Data: IP address, browser type, device information, and cookies (see Section 4).
- Usage Data: Pages visited, time spent, and interactions on our website.
2. How We Use Your Information
Your data helps us:
- Provide customized life insurance quotes and policy recommendations.
- Process applications, claims, and customer support requests.
- Improve our website, services, and marketing efforts.
- Comply with legal/regulatory requirements (e.g., IRDAI guidelines).
3. Data Sharing & Disclosure
We may share your information with:
- Insurance Providers: To facilitate policy issuance.
- Service Providers: Payment gateways, cloud storage, and analytics tools.
- Legal Authorities: If required by law (e.g., fraud prevention).
- Third Parties: Only with your explicit consent.
We never sell your personal data.
4. Cookies & Tracking Technologies
We use cookies to:
- Enhance website functionality (e.g., login sessions).
- Analyze traffic and user behavior (Google Analytics).
- Deliver targeted ads (opt-out available via browser settings).
5. Data Security
We implement SSL encryption, firewalls, and access controls to protect your data. However, no online transmission is 100% secure.
6. Your Rights
Under Indian laws, you can:
- Access, correct, or delete your personal data.
- Withdraw consent for marketing communications.
- Request a copy of your stored information.
Contact us at [email/phone] to exercise these rights.
7. Retention Period
We retain data as long as necessary for policy servicing or as mandated by IRDAI/other laws.
8. Third-Party Links
Our website may link to external sites (e.g., insurers). We are not responsible for their privacy practices.
9. Updates to This Policy
We may revise this policy periodically. Check this page for the latest version.
10. Contact Us
For privacy-related queries, reach us at:
📧 Email: [privacy@dhan-kesari.com]
📞 Phone: [Your Number]
📍 Address: [Your Office]
Key Compliance Notes for India:
- Aligns with IRDAI guidelines for insurance intermediaries.
- Mentions Aadhaar/PAN compliance (if collected).
- Provides opt-out options for marketing (as per TRAI regulations).