Privacy Policy

Privacy Policy
M/s. Protect Plus Insurance Marketing Pvt. Ltd.
(“Protect Plus”, “we”, “us”, or “our”)
Effective Date: 10-11-2025

1. Introduction
Protect Plus Insurance Marketing Pvt. Ltd. (“Protect Plus”) respects your privacy and is committed to protecting your personal information.
This Privacy Policy describes how we collect, use, store, process, transfer, and protect the information you provide when you visit our website www.protectplusin.com (“Website”) or use any of our services.
By accessing the Website or using our services, you agree to be bound by this Privacy Policy. If you do not agree, please refrain from using our Website or services.

2. Scope and Applicability This policy applies to:
• Customers and users of Protect Plus services;
• Partners, POSP (Point of Sales Persons), and vendors;
• Employees, contractors, consultants, and service providers associated with Protect Plus.
This policy does not apply to any third-party websites or services that are not owned or controlled by Protect Plus.

3. Information We Collect
We collect and process the following types of information as required for providing our services and complying with IRDAI regulations:

a. Personal Information
Information that identifies you directly or indirectly, such as:
• Name, address, contact number, and email address
• Date of birth, gender, and age
• Identity documents (Aadhaar, PAN, Passport, etc.)
• KYC information (as mandated by IRDAI guidelines)

b. Insurance and Service Information
• Details about your insurance requirements and policy preferences
• Vehicle details (for motor insurance)
• Health and lifestyle details (for life or health insurance proposals)
• Financial details such as bank account number and IFSC code (for commission, salary, or refund processing)

c. Technical Information
• Device type, IP address, browser type, location (if permitted)
• Cookies and clickstream data to improve user experience

d. Employment or Vendor Information
For employees, vendors, or partners:
• Employment records, educational qualifications, bank details, and KYC documents as required for verification and payments.

4. Purpose and Use of Information
Your information is collected, stored, and used strictly for lawful business purposes, including but not limited to:
• Processing and issuance of insurance policies you select
• Providing quotes, recommendations, and after-sale services
• Contacting you with policy renewals, updates, or service alerts
• Responding to queries and support requests
• Compliance with legal and regulatory requirements under IRDAI
• Facilitating communication between you and insurers
• Processing payments, commissions, or claims
• Improving our website, services, and user experience
• Conducting analytics, surveys, and marketing communications (only with consent)
• Verification and onboarding of employees, POSPs, and vendors
We do not sell, rent, or trade your personal information to any third party for commercial gain.

5. Information Sharing and Disclosure
We may share your information under the following circumstances only:
1. With Insurers:
To facilitate policy purchase or servicing
based on your chosen insurer.
2. With Regulatory Authorities: Where required by IRDAI or other statutory authorities to comply with applicable laws.
3. With Service Providers:
With trusted third-party service providers or cloud partners (within India) who assist us in operating our services, subject to strict confidentiality agreements.
4. With Affiliates and Partners:
With our authorized affiliates, group companies, or POSP partners, to support service delivery and regulatory reporting.
5. Legal Requirements:
To comply with law enforcement, court orders, or legal obligations.
6. Business Transfers:
In case of merger, acquisition, or reorganization, where Protect Plus or its assets are transferred to another entity.
We ensure all information shared is on a need-to-know basis and under confidentiality obligations.

6. Data Storage and Security
Protect Plus adopts industry-standard security practices to protect your information from unauthorized access, alteration, disclosure, or destruction.
Security measures include:
• Encrypted data transmission (SSL/TLS)
• Secure firewalled servers with restricted access
• End-to-end encryption for sensitive data
• No payment card details stored on our servers
• Cloud infrastructure located and compliant within India
While we take all reasonable precautions, we cannot guarantee absolute security of data transmitted over the internet.

7. Your Rights
You have the following rights concerning your personal information:
• Access: Request details of your personal data held by us.
• Correction: Request correction or update of inaccurate information.
• Deletion: Request deletion of your data, where legally permissible.
• Withdrawal of Consent: Withdraw previously given consent for data processing.
• Objection: Object to specific types of processing (e.g., marketing communications).
To exercise these rights, please contact our Data Grievance Officer (details below).

8. Retention of Information We retain personal information for as long as necessary to:
• Fulfil the purpose for which it was collected;
• Comply with applicable legal, regulatory, and contractual obligations;
• Resolve disputes and enforce our agreements.
Information may be retained longer if required for fraud prevention, audits, or other legitimate business purposes.

9. Cookies Protect Plus uses cookies to enhance your experience, remember your preferences, and analyze site traffic.
You can modify your browser settings to decline or delete cookies, but doing so may limit website functionality.
We do not use cookies to store personal or financial information.

10. Third-Party Links Our Website may contain links to third-party sites. Protect Plus is not responsible for the privacy practices or content of such external sites. We encourage you to review their privacy policies when visiting those sites.

11. Policy Cancellation and Refund Policy cancellation and refund are governed by the terms and conditions of the respective insurance company.
Refunds, if any, will be processed directly by the insurer as per their internal policies.

For assistance or escalation, please contact:
📞 +91 7356859644
✉️ anakha@protectplusin.com