1. Privacy Commitment & Framework
At BimaSpot (https://bimaspot.com), your privacy is our sacred responsibility. We are committed to safeguarding the personal, medical, financial, and vehicle information shared with us in strict accordance with the Digital Personal Data Protection (DPDP) Act, 2023 and the Information Technology Act, 2000 of India.
This Privacy Policy details how we collect, store, process, and protect your information when you interact with our website, request insurance quotes, or receive advisory through our WhatsApp and telephone channels.
Our Zero-Spam & Confidentiality Guarantee
We never sell, rent, lease, or monetize your personal information to third-party telemarketers, credit card issuers, or unauthorized marketing agencies. Your data is used exclusively to evaluate, compare, and service your requested insurance policies.
2. Information We Collect
To deliver accurate policy comparisons and manage insurance issuance, we collect the following categories of information:
- Personal Identifiers: Name, phone/WhatsApp number, email address (info@bimaspot.com), age, date of birth, and pincode/residence location.
- Health & Life Underwriting Details: Height, weight, pre-existing health conditions, medical history, tobacco consumption, and family member details for Family Floater policies.
- Vehicle & Commercial Details: Vehicle registration number, make/model, previous policy claim status (NCB), manufacturing year, or shop/cargo inventory values.
- Technical Log Data: Device IP address, browser type, referral URLs, and pages visited to optimize website speed, security, and fraud prevention.
3. Purpose of Data Processing
We process your data strictly for legitimate insurance purposes, including:
- Generating instant, multi-insurer comparative premium quotes across Health, Motor, Life, and Travel categories.
- Facilitating proposal form filling and submission to IRDAI-registered insurance underwriters.
- Dispatching policy documents, payment receipts, endorsement updates, and claims assistance instructions via WhatsApp and Email.
- Notifying you of annual policy renewal due dates to prevent coverage lapses and NCB penalties.
4. Authorized Third-Party Disclosures
To complete your policy issuance and service claims, your information is shared exclusively with:
- IRDAI Licensed Insurers: Authorized underwriters (e.g. HDFC ERGO, Star Health, ICICI Lombard, Care Health, etc.) whose policies you choose to apply for.
- Third Party Administrators (TPAs): Certified health TPAs and cashless hospital networks for hospital admission pre-authorizations and claims settlement.
- Statutory Authorities: Government or regulatory bodies when required by applicable Indian law or court orders.
5. Data Security & Storage Architecture
BimaSpot deploys enterprise-grade data security protocols to protect your sensitive records from unauthorized access, loss, or alteration:
- SSL/TLS 256-Bit Encryption: All data transmitted through our online booking forms and quote calculators is encrypted end-to-end.
- Access Control: Only certified insurance advisors bound by strict non-disclosure agreements have authenticated access to client records.
- Secure Cloud Infrastructure: Data is stored in secure Indian data center facilities meeting high cybersecurity standards.
6. Your Rights & Consent Management
Under Indian data protection laws, you retain complete control over your personal data:
- Right to Review & Correct: You may update or correct inaccurate personal details at any time by contacting our support desk.
- Right to Withdraw Consent: You may opt out of WhatsApp notifications or promotional alerts at any moment by sending "STOP" on WhatsApp or emailing us.
- Right to Erasure: You can request deletion of non-essential records, subject to IRDAI-mandated statutory audit retention requirements.
