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Privacy Policy

Last Updated: 27 November 2025

Policy Checker Insurance Brokers Pvt Ltd  CIN: U66220TN2025PTC175885, is a licensed Insurance Broker registered with IRDAI (Broker Reg No. 1105, Reg Code: IRDAI / INT / BRK / DB 1244 / 2025, valid till 10.11.2028).
We value your trust and are committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, disclose, and safeguard your information when you access or use our website, mobile applications, or avail any of our insurance broking services.

By using our website or services, you consent to the practices described in this Privacy Policy. If you do not agree, please refrain from using our website.

1. Scope & Applicability

This Privacy Policy applies to:

  • Visitors to our website

  • Customers purchasing or exploring insurance products

  • Individuals interacting with us for queries, support, or services

  • Corporate clients, their employees, and authorized representatives

  • Anyone providing personal information to avail our services

It does not apply to Policy Checker employees, vendors, or external websites linked from our platform.

2. Information We Collect

We may collect the following categories of information:

2.1 Personal Information

Includes details that identify you or can identify you:

  • Full name

  • Date of birth

  • Gender

  • Email ID

  • Phone number

  • Address

  • Identification details (PAN, Aadhaar, etc.)

  • Bank details for premium payment

  • Employment information

2.2 Sensitive Personal Data / Information (SPDI)

Collected only when necessary for insurance services:

  • Health records

  • Medical history

  • Financial information

  • Claims-related documents

2.3 Automatically Collected Information

Through cookies, analytics tools, and log files:

  • IP address

  • Device details

  • Browser type

  • Location

  • Usage patterns

2.4 Third-Party or Corporate Data

For corporate clients: employee lists, policyholder information, enrollment data, and claim support documents.

3. How We Use Your Information

We use your information to:

3.1 Service Delivery

  • Provide insurance broking services

  • Obtain quotes from insurers

  • Issue policies and endorsements

  • Process claims with insurers/TPAs

  • Communicate updates, alerts & reminders

  • Comply with IRDAI regulations

  • Respond to regulatory or statutory requests

  • Maintain mandatory records

3.3 Customer Support

  • Respond to queries

  • Resolve complaints

  • Provide assistance via call, email, or WhatsApp

3.4 Marketing & Communication

Only with your consent:

  • Notify you about new products, offers, or services

  • Provide personalised recommendations
    (You may opt-out anytime.)

3.5 Security, Fraud Detection & Analytics

  • Ensure platform security

  • Detect fraudulent activities

  • Improve website/app performance

4. Sharing & Disclosure of Information

We do not sell your personal data to anyone.

We may share your information only with:

4.1 Insurance Ecosystem Partners

  • Insurance companies

  • Third-Party Administrators (TPAs)

  • Surveyors & valuers

  • Wellness or service partners

4.2 Authorised Third Parties

  • Technology service providers

  • Cloud hosting partners (within India)

  • Payment gateway providers

We may disclose information when required to:

  • IRDAI

  • Law enforcement agencies

  • Courts, tribunals, or government bodies

4.4 Business Transfer

If Policy Checker undergoes:

  • Merger

  • Acquisition

  • Restructuring
    Your data may be transferred with adequate safeguards.

5. Your Consent

By using our website or providing your information, you consent to:

  • Collection

  • Processing

  • Storage

  • Sharing
    as described in this policy.

You may withdraw consent anytime by writing to:
[email protected]

However, withdrawal may affect our ability to provide services.

6. Data Storage & Retention

We retain your information only as long as necessary:

  • Insurance records: 10 years (or as required by IRDAI)

  • Claims data: As required by law

  • Communication logs: Up to 7–10 years

  • Cookies/analytics data: As per browser settings

Data is stored securely in India.

7. Protection & Security of Your Information

We implement strong security measures to protect your data:

  • Encryption & secure servers

  • Access control and identity verification

  • Regular audits & monitoring

  • Compliance with IT Act 2000 & IRDAI data security guidelines

Despite strong safeguards, no system is 100% secure. You agree to use our platform responsibly.

8. Cookies & Tracking Technologies

We use cookies to:

  • Improve user experience

  • Personalize content

  • Analyse traffic patterns

  • Save login preferences

You may disable cookies through your browser settings.

9. Your Rights

You have the right to:

  • Access your personal information

  • Request corrections

  • Withdraw consent

  • Request data deletion (subject to regulatory requirements)

  • Opt-out of marketing communications

To exercise any right, write to: [email protected]

10. Links to External Websites

Our website may contain links to third-party websites (insurers, partners, etc.).
We are not responsible for their privacy practices.
Please review their privacy policies before sharing any data.

11. Children’s Privacy

Our services are not meant for minors below 18 years.
We do not knowingly collect personal information from children.

12. Changes to This Privacy Policy

We may update this policy from time to time.
Updated versions will be posted on our website with the “Last Updated” date.
Continued usage of our services means you accept the changes.

13. Contact Us

For any query, concern, or grievance, please contact:

Policy Checker Insurance Brokers Pvt Ltd
10-B, Sathiya Sai Nagar,
Seenivasannllur, Sakkottai PO,
Kumbakonam – 612401

Email: [email protected]
Phone: +91 90809 08080

Grievance Officer: [email protected]

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