Privacy Policy
Aapki privacy humare liye important hai. Yeh policy batati hai ki Paliwal Secure AI aapki personal info kaise collect, use aur protect karta hai.
Last Updated: March 2025
1. Information We Collect
Personal Information
Jab aap quote maangte hain, InsureGPT use karte hain, ya humse contact karte hain, toh hum collect kar sakte hain: naam, email, phone, DOB, gender, city/state, aur insurance preferences.
Technical Information
Hum automatically collect karte hain: IP address, browser type, device type, OS, referring URL, pages visited, aur time spent on pages.
Usage Information
Hum track karte hain ki aap hamare platform ke saath kaise interact karte hain: features used, categories browsed, comparison results viewed, InsureGPT chats.
2. How We Use Your Data
Insurance Quotes & Recommendations Provide Karna
51+ insurers se personalized insurance comparisons aur AI-powered recommendations generate karne ke liye.
Claims Assistance
Insurance claims documentation aur insurers ke saath follow-up mein madad karne ke liye.
Platform Improvement
InsureGPT responses improve karne, bugs fix karne, aur usage patterns ke basis pe UX enhance karne ke liye.
Communication
Policy renewal reminders bhejne, claim updates, aur WhatsApp ya email ke through aapke queries ka jawab dene ke liye.
Regulatory Compliance
IRDAI regulations comply karne ke liye, including record-keeping requirements for insurance transactions.
Fraud Prevention
Hamare platform pe fraudulent activities detect aur prevent karne ke liye.
Hum aapka personal data marketing ke liye kabhi third parties ko nahi bechte.
3. Data Storage & Security
Hum aapki personal info ki suraksha ke liye industry-standard measures lagate hain.
256-bit SSL Encryption
Aapke browser aur hamare servers ke beech transmitted sab data TLS 1.3 ke saath 256-bit SSL certificates use karke encrypt hota hai.
AES-256 Data Encryption
Personal data at rest AES-256 encryption standard use karke encrypt hota hai — same as banks use.
Secure Cloud Infrastructure
Data secure, SOC 2 Type II certified cloud servers pe regular security audits ke saath stored hota hai.
Access Controls
Strict role-based access controls (RBAC) ensure karte hain ki sirf authorized personnel hi aapke data tak pahunch sake.
4. Third-Party Sharing
Insurance Companies
Jab aap policy khareedte hain, toh aapka details selected insurer ke saath share kiya jata hai.
IRDAI
IRDAI regulations ke anusaar, hum records rakhte hain jo compliance audits ke liye share kiye ja sakte hain.
Service Providers
Hum third-party services use kar sakte hain jo strict data processing agreements ke tahat data process karti hain.
Legal Requirements
Jab law dwara zaroori ho, hum relevant authorities ko information disclose kar sakte hain.
Hum aapka data kabhi advertisers ya data brokers ko nahi bechte.
5. Cookies & Analytics
Hum aapke experience ko better banane, platform usage analyze karne, aur aapki preferences yaad rakhne ke liye cookies aur similar technologies use karte hain.
Essential Cookies
Platform ke properly kaam karne ke liye zaroori — session management, security, aur load balancing. Disable nahi kiya ja sakta.
Analytics Cookies
Humey samajhne mein madad karte hain ki users hamare platform ke saath kaise interact karte hain. Hum sirf anonymized data use karte hain.
Preference Cookies
Aapki settings yaad rakhte hain — language preference, insurance category, aur customization options.
6. Your Rights
Information Technology Act, 2000 aur applicable data protection regulations ke tahat, aapke following rights hain:
Right to Access
Hamare paas aapke baare mein maujood sabhi personal data ki copy ka request karein.
Right to Correction
Kisi bhi galat ya incomplete personal data ke correction ka request karein.
Right to Deletion
Regulatory requirements ke adheen, apne personal data ko delete karne ka request karein.
Right to Data Portability
Apna data structured, machine-readable format mein receive karein.
Right to Withdraw Consent
Law dwara zaroori na hone wali data processing ke liye kisi bhi time consent withdraw karein.
Right to Grievance Redressal
Humara Grievance Officer ya IRDAI ke Bima Bharosa Portal pe complaint file karein.
7. Data Retention Period
Insurance Transaction Records
IRDAI regulations ke anusaar, sabhi insurance transaction records minimum 7 saal ke liye maintain kiye jate hain.
7 yearsActive Account Data
Active account se juda personal data account ke active rahne tak aur last activity ke 2 saal baad tak retain kiya jata hai.
Duration + 2 yearsChat & Query Data
InsureGPT chat transcripts aur query data quality improvement aur dispute resolution ke liye 2 saal tak retain kiye jate hain.
2 yearsAnalytics Data
Anonymized analytics data platform improvement ke liye 18 months tak retain kiya jata hai.
18 months8. Children's Privacy
Hamari services 18 saal se kam age ke individuals ke liye directed nahi hain. Hum jaan-boojh kar bachchon se personal info collect nahi karte. Agar humein pata chale ki humne anjaane mein 18 saal se kam age ke person se personal data collect kiya hai, toh hum turant aisi info delete karne ke kadam uthayenge.
9. Changes to This Policy
Hum time-to-time is Privacy Policy ko update kar sakte hain. Jab hum material changes karte hain, toh hum:
Changes post hone ke baad hamare platform ka aapka continued use updated policy ki aapki acceptance maana jata hai.
10. Contact Information
Agar aapko is Privacy Policy ke baare mein koi question, concern ya request hai, toh kripya humse contact karein:
IRDAI Grievance Redressal
Unresolved privacy complaints ke liye, IRDAI ke Bima Bharosa Portal se contact karein ya 1800-258-1111 (Toll Free) pe call karein.