Privacy Policy

1. Information We Collect

We collect information you voluntarily provide when you request a quote, fill out a contact form, or communicate with us. This includes:

• Full name, email address, and phone number
• Date of birth and gender (for insurance eligibility assessment)
• Medical history and pre-existing conditions (only when you voluntarily disclose them for health insurance quotes)
• Financial information such as income range and loan requirements
• Vehicle details for motor insurance inquiries
• Property details for home insurance inquiries
• Device information, IP address, browser type, and pages visited (collected automatically via cookies and server logs)

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance advisory services and connect you with suitable insurance products
• To process loan referral requests and connect you with lending partners
• To respond to your inquiries and provide customer support
• To send you quotes, policy information, and service-related communications
• To comply with legal obligations under IRDAI regulations, Income Tax Act, and other applicable Indian laws
• To improve our website and services through analytics
• To prevent fraud and ensure the security of our platform

3. Legal Basis for Processing (GDPR & DPDP Act 2023)

For users in the European Union and under India's Digital Personal Data Protection (DPDP) Act 2023, we process your personal data on the following legal bases:

• Consent: When you submit a form or request a quote, you consent to us processing your data for that purpose
• Contractual necessity: To fulfil our advisory services to you
• Legal obligation: To comply with IRDAI, RBI, and other regulatory requirements
• Legitimate interests: To improve our services, prevent fraud, and maintain security

4. Sharing of Information

We do not sell your personal information. We may share your information with:

• Insurance companies and underwriters to obtain quotes and process applications on your behalf
• Registered Non-Banking Financial Companies (NBFCs) and banks for loan referrals
• Technology service providers who assist in operating our website (under strict data processing agreements)
• Regulatory authorities such as IRDAI, RBI, or law enforcement when required by law
• Professional advisors including lawyers and accountants under confidentiality obligations

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience. We use:

• Essential cookies: Required for the website to function properly
• Analytics cookies: To understand how visitors interact with our website (e.g., page views, session duration)
• Preference cookies: To remember your settings and preferences
• You can control cookie settings through your browser. Disabling certain cookies may affect website functionality.

6. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes outlined in this policy, or as required by law:

• Quote and inquiry data: Up to 3 years from the date of last interaction
• Insurance policy-related data: For the duration of the policy plus 7 years as required by IRDAI
• Loan referral data: Up to 5 years as required by RBI guidelines
• Website analytics data: Up to 26 months in anonymised form

7. Your Rights

Under the DPDP Act 2023 and applicable laws, you have the following rights:

• Right to access: Request a copy of the personal data we hold about you
• Right to correction: Request correction of inaccurate or incomplete data
• Right to erasure: Request deletion of your data, subject to legal retention requirements
• Right to withdraw consent: Withdraw consent at any time without affecting prior processing
• Right to grievance redressal: Lodge a complaint with our Data Protection Officer
• To exercise these rights, contact us at [email protected]

8. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for all data transmitted through our website
• Access controls limiting data access to authorised personnel only
• Regular security assessments and vulnerability testing
• Staff training on data protection and privacy best practices

9. Third-Party Links

Our website may contain links to third-party websites, including insurance company portals and financial institution websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected data from a minor, please contact us immediately at [email protected] and we will delete such information promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of significant changes by posting the updated policy on this page with a revised 'Last Updated' date. Continued use of our services after such changes constitutes your acceptance of the updated policy.

12. Contact & Grievance Officer

For any privacy-related queries, requests, or complaints, please contact our Data Protection / Grievance Officer:

• Email: [email protected]
• Phone: +91 98964 99809
• Website: onlinedekhle.com
• We will respond to all requests within 30 days as required under the DPDP Act 2023.