Privacy Policy

1 Information We Collect

We collect the following types of information when you use BimaSarathi's platform:

• Personal Identity Information: Name, date of birth, PAN card, Aadhaar number (masked), gender
• Contact Information: Mobile number, email address, residential address
• Vehicle Information: Vehicle registration number, engine/chassis number, RC details, insurance history
• Financial Information: Bank account details, UPI ID (only for transactions), payment history
• Device & Usage Data: IP address, browser type, device ID, pages visited, time spent
• Location Data: Approximate location (with your permission) for service delivery
• Communication Records: Calls, WhatsApp messages, emails with our support team

2 How We Use Your Information

Your information is used strictly for the following purposes:

• Processing insurance applications and renewals
• Vehicle document status checks (fitness, pollution, permit, tax)
• Sending renewal alerts and policy reminders via SMS, WhatsApp, email
• Processing payments and generating invoices
• Claim assistance and tracking
• ISP partner onboarding, points calculation, and leaderboard management
• Customer support and grievance resolution
• Platform improvement and fraud prevention
• Legal compliance under applicable Indian laws

3 Information Sharing & Disclosure

We may share your information with:

• Insurance Companies: ICICI Lombard, HDFC ERGO, Tata AIG, SBI General, Bajaj Allianz etc. — for policy issuance and claims
• Government Portals: Vahan (MoRTH), IRDAI, RTO systems — for vehicle verification
• Payment Gateways: For secure transaction processing (PCI-DSS compliant)
• Technology Partners: Cloud hosting, SMS/WhatsApp service providers under strict NDAs
• Legal Authorities: When required by court order or law enforcement

All third parties are bound by confidentiality agreements and are not permitted to use your data for any other purpose.

4 Cookies & Tracking Technologies

BimaSarathi uses cookies and similar technologies to:

• Keep you logged in securely
• Remember your recent vehicle searches
• Analyse platform usage and improve features
• Prevent fraudulent activity

You can disable cookies in your browser settings. However, some features may not work properly without cookies.

5 Data Security

We implement industry-standard security measures:

• 256-bit SSL/TLS encryption for all data in transit
• AES-256 encryption for sensitive data at rest
• PCI-DSS compliant payment processing
• Regular security audits and penetration testing
• Role-based access control for staff
• Two-factor authentication for all internal systems

6 Your Rights & Choices

Under applicable Indian data protection laws, you have the right to:

• Access: Request a copy of personal data we hold about you
• Correction: Ask us to correct inaccurate information
• Deletion: Request deletion of your data (subject to legal obligations)
• Opt-Out: Unsubscribe from marketing communications at any time
• Portability: Request your data in a structured, machine-readable format

To exercise these rights, contact us at support@bimasarathi.in or call 9310121216.

7 Third-Party Links

Our platform may contain links to insurer websites, government portals, or partner sites. We are not responsible for the privacy practices of these external websites. We encourage you to read their privacy policies before sharing any information.

8 Children's Privacy

BimaSarathi services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us immediately for deletion.

9 Changes to This Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will:

• Update the "Last Updated" date at the top of this page
• Send a notification via registered email/SMS
• Display a banner on our platform for 30 days

Continued use of BimaSarathi after changes constitutes acceptance of the revised policy.

10 Contact Us