Privacy Policy

1. Who we are

Bimaask.com is operated by [REGISTERED ENTITY NAME], a company registered in India with its office at [REGISTERED ADDRESS] ("Bimaask", "we", "us"). We are [IRDAI licence category, e.g. registered web aggregator / partner of a registered intermediary], registration no. [XXXX], valid until [DATE].

For the purposes of the Digital Personal Data Protection Act, 2023 and the rules made under it, Bimaask is the Data Fiduciary for the personal data described in this policy.

2. Personal data we collect

Data you give us

• Contact details: name, mobile number, email address and city, when you request a callback, quotes or reminders.
• Details needed for a quote: for example age, family members, cover amount, vehicle registration number, make and model, or existing policy details. You share these only when you choose to.
• Health information: only if you choose to tell an advisor about a medical condition so that quotes are accurate. We treat this with extra care.
• Your messages: call notes, chats, emails and feedback.

Data collected automatically

• Device and browser type, IP address, approximate location (city level), pages visited and how you arrived on our site.
• Calculator inputs, stored anonymously to improve our tools, unless you go on to request a quote.

What we don't collect

We never ask for card numbers, bank passwords, OTPs sent by your bank, or Aadhaar numbers through this website.

3. Why we use your data

• To call you back and get quotes from partner insurers that match your request.
• To help you buy, renew or claim on a policy, if you ask us to.
• To send renewal reminders you've opted into.
• To verify your mobile number by OTP and prevent fraud or misuse.
• To improve our calculators and website, using aggregated or anonymised data.
• To meet our legal and regulatory duties, including IRDAI record-keeping requirements.

We use your data only for the purpose you gave it for. If we want to use it for something new, we'll ask first.

4. Consent, calls and messages

When you submit a form, we ask for your clear, specific consent for the purposes described on that form. You can withdraw consent at any time, and withdrawing will be as easy as giving it: use the "unsubscribe" link in our messages, reply STOP to an SMS, tell your advisor, or write to the grievance officer below.

Withdrawing consent doesn't affect anything we did lawfully before you withdrew. If you've already bought a policy, the insurer may still need to contact you about it.

Your consent to be contacted applies even if your number is registered on the National Do Not Call registry. [Legal review: align with current TRAI commercial-communication rules.]

5. Who we share your data with

• Partner insurers and intermediaries needed to give you quotes or issue a policy, and only for the product you asked about.
• Service providers who work for us under contract: cloud hosting, CRM, SMS, email and calling platforms. They act only on our instructions and may not use your data for themselves.
• Authorities when the law requires it, such as a regulator, court or law-enforcement agency.

We do not sell, rent or trade your personal data. Your data is stored in [India / name country]. If any of it is transferred outside India, it will be only to countries permitted under Indian law.

6. How long we keep your data

We keep lead data for [12 months] after your last interaction, then delete or anonymise it, unless you buy a policy through us. In that case, we keep records for as long as insurance regulations require. Before we delete data that is no longer needed, we'll let you know in advance where the law requires it.

7. How we protect your data

We use encryption in transit and at rest, role-based access, access logs and regular security reviews. Only staff and advisors who need your data to help you can see it.

If a personal data breach affects you, we'll tell you without delay, and inform the Data Protection Board of India and other authorities as the law requires.

8. Your rights

• Access: ask what personal data we hold about you and who we've shared it with.
• Correction and update: fix anything that's inaccurate or incomplete.
• Erasure: ask us to delete your data when it's no longer needed for the purpose you gave it, subject to legal retention.
• Withdraw consent: at any time, as described in section 4.
• Nominate: name someone to exercise these rights for you if you die or become unable to.
• Grievance redressal: complain to us and get a response within [30] days, and in any case within the maximum time the law allows.

If you're not satisfied with our response, you may complain to the Data Protection Board of India.

9. Cookies and analytics

We use essential cookies so the site works, and, with your permission, analytics and advertising cookies to understand which pages help people and to measure our campaigns. You can change your choice at any time from the "Cookie settings" link in the footer, or block cookies in your browser.

10. Children

Our services are for adults. We don't knowingly collect data from anyone under 18. Parents can, of course, share their children's details when buying cover for them.

11. Changes to this policy

We'll update this policy when our practices or the law change. The date at the top shows the latest version. If a change is significant, we'll tell you by email or SMS before it applies.

12. Grievance officer and contact