1. Introduction
At Infonix Insurance ("we," "our," or "us"), operated by licensed insurance agent Mrinal Kashyap, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our platform services, or interact with us. We serve as a sales platform connecting you with 26 leading insurance companies in India.
Important: By using our services, you consent to the collection and use of your information in accordance with this Privacy Policy.
2. Information We Collect
2.1 Personal Information
We may collect the following types of personal information:
- Name, address, phone number, and email address
- Date of birth and government-issued identification numbers
- Financial information (income, bank details for premium payments)
- Health information (for life and health insurance applications)
- Vehicle information (for auto insurance)
- Property information (for home insurance)
- Employment and occupation details
2.2 Technical Information
When you use our website or mobile applications, we automatically collect:
- IP address and device identifiers
- Browser type and version
- Operating system and device information
- Usage data and website analytics
- Cookies and similar tracking technologies
3. How We Use Your Information
We use your personal information for the following purposes:
- Insurance Platform Services: To connect you with appropriate insurance companies and facilitate quotes
- Agent Services: To provide expert guidance and consultation through Mrinal Kashyap
- Quote Processing: To submit your information to selected insurance companies for quotes
- Customer Service: To respond to your inquiries and provide expert insurance guidance
- Legal Compliance: To comply with insurance regulatory requirements and legal obligations
- Communication: To send quote updates, policy information, and important notices
- Platform Improvement: To analyze usage and improve our platform services
- Security: To protect against fraud and ensure data security
4. Information Sharing and Disclosure
We may share your information in the following circumstances:
4.1 With Insurance Companies
- The 26 leading insurance companies we represent for policy quotes and applications
- Insurance underwriters for risk assessment and policy approval
- Insurance company customer service teams for policy management
4.2 With Authorized Service Providers
- Payment processors for premium transactions (only when necessary)
- Technology service providers for secure website and system maintenance
- Regulatory authorities as required by insurance laws
Important: We do NOT sell your information to third parties. Your data is shared only with the insurance companies you choose to get quotes from and their authorized representatives.
4.3 For Legal Reasons
- To comply with legal obligations and regulatory requirements
- To respond to court orders, subpoenas, or government requests
- To protect our rights, property, or safety
- To prevent fraud or investigate suspected illegal activities
5. Data Security
We implement appropriate technical and organizational measures to protect your personal information:
- Encryption of data in transit and at rest
- Secure servers and firewalls
- Regular security assessments and updates
- Employee training on data protection
- Access controls and authentication mechanisms
- Regular backups and disaster recovery procedures
Note: While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure.
6. Your Rights and Choices
You have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal requirements)
- Opt-out: Unsubscribe from marketing communications
- Data Portability: Request transfer of your data to another service provider
- Restriction: Request limitation of processing in certain circumstances
7. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our website:
7.1 Types of Cookies
- Essential Cookies: Required for website functionality
- Analytics Cookies: Help us understand website usage
- Marketing Cookies: Used for targeted advertising
- Preference Cookies: Remember your settings and preferences
7.2 Managing Cookies
You can control cookies through your browser settings, but disabling certain cookies may affect website functionality.
8. Children's Privacy
Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete such information.
9. International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure that such transfers are conducted in accordance with applicable data protection laws and that appropriate safeguards are in place.
10. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Generally, we retain:
- Policy information for the duration of the policy plus 7 years
- Claims information for 7 years after claim closure
- Customer service records for 3 years
- Marketing preferences until you opt-out
11. Updates to This Privacy 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 any material changes by posting the updated policy on our website and updating the "Last Updated" date.