Privacy Policy

1Who We Are

CKP Insurance Brokers Pvt. Ltd. ("CKP", "we", "us", "our") is an IRDAI-licensed direct insurance broker (License No. 582) registered under the Companies Act, with our registered office at 1301 - Kamdhenu Commerz, Sector 14, Kharghar, Navi Mumbai, Maharashtra – 410210. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website or use our services.

We are committed to protecting your privacy and ensuring transparency in how your data is handled, in accordance with applicable Indian laws including the Digital Personal Data Protection (DPDP) Act, 2023, and IRDAI regulations.

2Information We Collect

We may collect the following types of information:

• Personal Identification: Name, date of birth, gender, Aadhaar number (masked only — we do not store full Aadhaar numbers), PAN card number
• Contact Information: Mobile number, email address, residential address, city, PIN code
• Health & Financial Data: Medical history, existing health conditions, income details — collected only when required for insurance assessment
• KYC & Sensitive Data: Aadhaar (masked) and PAN are collected strictly for KYC, regulatory compliance, and insurance processing purposes, and are handled with enhanced security measures
• Policy Information: Current insurance policies, sum insured, premium details, claim history
• Device & Usage Data: IP address, browser type, pages visited, time spent on website — collected automatically via cookies
• Communication Records: Emails, WhatsApp messages, phone call logs with our team for service continuity. Calls with our team may be recorded for quality assurance, training, and service improvement purposes

3How We Use Your Information

We process your personal data based on your consent, contractual necessity (to provide insurance services), and compliance with applicable legal and regulatory obligations under Indian law.

• To provide insurance advisory, comparison, and recommendation services
• To analyse your information and provide personalised insurance recommendations suited to your needs
• To process insurance applications and renewals on your behalf
• To assist with claims filing, follow-ups, and settlement coordination
• To send policy reminders, renewal alerts, and important service updates
• To comply with IRDAI regulations and legal obligations
• To improve our website, services, and customer experience
• To respond to your queries and callback requests

Automated Decisions: We do not make automated decisions that significantly affect users without human involvement.

4Sharing of Information

We do not sell or rent your personal information to third parties. We may share your information only in the following circumstances:

• Insurance Companies: To process your policy applications and claims with relevant insurers
• TPAs (Third Party Administrators): For health insurance claim processing
• Third-Party Tools & Platforms: We may use CRM systems, analytics tools, or marketing platforms to manage customer interactions and improve our services. These providers are obligated to maintain data confidentiality
• Regulatory Authorities: IRDAI or other government bodies when legally required
• Legal Requirements: When required by law, court order, or government authority

We ensure that all such third parties process your data strictly for the intended purpose and in compliance with applicable data protection standards.

International Transfers: We do not transfer your personal data outside India. If required in the future, such transfers will be done in compliance with applicable data protection laws.

5Data Storage & Security

Your data is stored securely on encrypted servers. We implement industry-standard security measures including SSL encryption, access controls, and regular security audits.

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy, including regulatory, legal, and operational requirements. In certain cases, data may be retained for a minimum period as mandated by IRDAI or applicable laws.

6Cookies

Our website uses cookies to enhance your browsing experience, analyse site traffic, and personalise content. You can choose to disable cookies through your browser settings, though this may affect some website functionality. We do not use cookies to track you across third-party websites.

7Your Rights

Under applicable Indian data protection laws including the DPDP Act, 2023, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your data (subject to legal retention requirements)
• Withdraw consent for marketing communications at any time
• Lodge a complaint with IRDAI or relevant data protection authority
• You are responsible for ensuring that the information provided to us is accurate and up to date

To exercise any of these rights, contact us at info@ckpinsurance.co.in

8Third-Party Links

Our website may contain links to insurance company websites and third-party platforms. We are not responsible for the privacy practices of these external websites. We recommend reviewing their privacy policies before sharing any personal information.

9Children's Privacy

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

10Data Breach Notification

In the event of a data breach affecting your personal information, we will take appropriate steps to contain and mitigate the impact and notify affected users and relevant authorities as required under applicable laws, including the DPDP Act, 2023.

11Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on this page with a revised "Last Updated" date. Continued use of our website after changes constitutes acceptance of the updated policy. Previous versions of this Privacy Policy may be made available upon request.

12Governing Law & Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to this policy shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

13Contact Us & Grievance Officer