Privacy Policy for Your Consultants
Effective Date: 16/01/2025
Your Consultants (“we,” “our,” or “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our life insurance services.
1. Information We Collect
We may collect the following types of information:
1.1. Personal Information:
- Name
- Date of Birth
- Contact Details (Address, Email, Phone Number)
- Government-Issued Identification (e.g., Social Security Number, Aadhaar)
- Financial Information (e.g., income, bank details for premium payments)
- Health and Medical Records (only as required for underwriting and claims processing)
1.2. Non-Personal Information:
- Browser and Device Information
- IP Address
- Cookies and Usage Data
2. How We Use Your Information
We use your information for purposes such as:
- Processing insurance applications and underwriting.
- Managing and administering your life insurance policies.
- Communicating with you about policy updates, renewals, and claims.
- Providing customer support.
- Complying with legal and regulatory obligations.
- Enhancing our services through analytics and research.
3. Sharing of Information
We may share your information with:
- Third-Party Service Providers: To facilitate services like medical examinations, policy servicing, and claims processing.
- Regulatory Authorities: To comply with legal and regulatory requirements.
- Reinsurers and Partners: To manage risk and improve product offerings.
- With Your Consent: When you explicitly authorize sharing for specific purposes.
4. Data Security
We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, or misuse. This includes:
- Encryption of sensitive data.
- Regular security audits.
- Access control policies.
However, no method of transmission or storage is 100% secure. We encourage you to take precautions to protect your own information.
5. Cookies and Tracking Technologies
Our website may use cookies to enhance user experience, analyze site traffic, and personalize content. You can manage your cookie preferences through your browser settings.
6. Your Rights
You have the following rights regarding your personal information:
- Access: Request a copy of the information we hold about you.
- Correction: Update or correct inaccurate or incomplete information.
- Deletion: Request the deletion of your data, subject to legal obligations.
- Restriction: Limit the processing of your data under certain conditions.
- Data Portability: Request a copy of your data in a portable format.
- Opt-Out: Unsubscribe from marketing communications.
To exercise these rights, contact us at [Insert Contact Information].
7. Retention of Information
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law.
8. Third-Party Links
Our website or communications may contain links to third-party websites. We are not responsible for the privacy practices of those websites, and we encourage you to review their privacy policies.
9. Updates to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The revised policy will be effective from the date of publication.
10. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
- Email: [Insert Email Address]
- Phone: [Insert Phone Number]
- Address: [Insert Physical Address]
Thank you for trusting Your Consultants with your life insurance needs.
