Privacy Policy

Manoj Kumar Associates LLP ("we", "us", "our") is committed to protecting the privacy of individuals who interact with our services. This Privacy Policy explains what personal information we collect, how we use it, with whom we share it, and the rights available to you under applicable Indian laws including the Information Technology Act, 2000 and the IRDAI (Protection of Policyholders' Interests) Regulations, 2017.

1. Information we collect

When you submit an enquiry on our website, we collect information you choose to provide, such as your name, phone number, email address, age, occupation, city, property details (for home insurance), policy numbers (for claim support), and any free-text message.

2. How we use your information

• To respond to your enquiry and provide insurance advisory services.
• To prepare quotations from our partner insurers — Star Health, National Insurance and LIC of India.
• To assist you with claims, renewals, and related policyholder services.
• To comply with legal, regulatory, and IRDAI requirements.

3. Sharing of information

We share your information only with: (a) the insurer you have enquired about for the limited purpose of generating quotations or processing your policy/claim; (b) authorised regulators and law enforcement when required by law. We do not sell or rent your personal information.

4. Data security

Your data is stored on encrypted servers operated by reputed cloud providers. Access is restricted to authorised personnel, and transport is secured using TLS. Despite reasonable safeguards, no method of transmission over the internet is 100% secure.

5. Retention

We retain enquiry data for as long as needed to service your insurance needs and to meet our regulatory obligations, after which the data is securely deleted or anonymised.

6. Your rights

You may request access to, correction of, or deletion of your personal data at any time by writing to manojkumarassociates25@gmail.com. We will respond within a reasonable time as required by applicable law.

7. Cookies

This website uses essential cookies for navigation and security. We do not use cookies to track you across other websites.

8. Grievance officer

For any concerns regarding the processing of your personal data or this policy, please contact our Grievance Officer at manojkumarassociates25@gmail.com. We follow the IRDAI grievance redressal timelines.

9. Changes to this policy

We may update this Privacy Policy from time to time. The latest version will always be available on this page with the "Last updated" date.