Privacy Policy

1. Introduction

This Privacy Policy outlines how Asha Rani, an independent and authorized Life Insurance Corporation of India (LIC) Agent (Agency Code: 07281948, Mansa Branch: 16K), collects, uses, protects, and handles your personal information. This policy strictly adheres to the provisions of the Information Technology Act, 2000, the IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and aligns with the principles of the Digital Personal Data Protection (DPDP) Act, 2023.

By using this portal or contacting us via WhatsApp, phone, or email, you explicitly consent to the collection and processing of your personal information as described in this policy.

2. Information We Collect

To provide accurate insurance advisory, premium calculations, and policy servicing, we may collect the following:

• Personal Identification Data: Name, age, date of birth, gender, marital status.
• Contact Information: Mobile number (primarily for WhatsApp communication), email address, and residential/postal address.
• Sensitive Personal Data or Information (SPDI): Relevant medical history, lifestyle habits (e.g., smoking status), and financial information (income bracket, PAN, Aadhaar) solely for underwriting and mandatory KYC requirements set by the Insurance Regulatory and Development Authority of India (IRDAI) and LIC.

3. Purpose of Collection

Your data is collected strictly for the following purposes:

• To assess your insurance needs and generate accurate premium quotes.
• To facilitate the formal application and underwriting process with the Life Insurance Corporation of India (LIC).
• To provide post-sale policy servicing (address updates, premium reminders, claim settlement assistance).
• To comply with legal obligations under Indian insurance and anti-money laundering laws.

Anti-Spam Guarantee: Your information is never used to send unsolicited marketing emails or SMS. We communicate solely regarding your requested policies or relevant servicing updates.

4. Data Sharing and Disclosure

We operate under strict confidentiality. Your data is never sold, rented, or traded to third-party marketers. Your information is shared exclusively with:

• Life Insurance Corporation of India (LIC): For the sole purpose of policy issuance, underwriting, and claim processing.
• Legal Authorities: Only when legally mandated by a court of law or regulatory body in India.

5. Data Security

We employ reasonable security practices to protect your data against unauthorized access, alteration, disclosure, or destruction. Digital documents collected for KYC and policy issuance are securely transmitted to the official LIC portals and branches and are not stored permanently on unencrypted public servers.

6. Your Rights (Data Principal Rights)

Under the DPDP Act, you possess the following rights regarding your personal data:

• Right to Access: You can request a summary of the personal data we hold about you.
• Right to Correction: You may ask us to correct or update inaccurate or incomplete information.
• Right to Erasure: You can request the deletion of your personal data, provided it is no longer required for active policy servicing or statutory retention laws.
• Right to Withdraw Consent: You may withdraw your consent for future communications at any time.

7. Contact Information

If you have any questions, grievances, or wish to exercise your data rights, please contact the Data Fiduciary: