Privacy Policy

1. Scope of This Policy

This Privacy Policy applies to:

• Insurance advisors using the Platform (web and mobile app)
• End users/customers who have purchased insurance policies and access their policy details
• Internal staff and administrators of BM Solution Site

By accessing or using the Platform, you agree to the terms of this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Full name
• Mobile number
• Email address
• Residential address
• Date of birth
• Government-issued identification details (if required for insurance processing)

2.2 Insurance & Financial Information

• Policy number
• Insurance provider name
• Policy type and coverage details
• Premium amount
• Due amount and due dates
• Renewal dates
• Payment status

2.3 Advisor & Internal User Data

• Advisor ID and login credentials
• Sales performance data (number of policies sold, renewal status)
• Assigned customers and policy mappings

2.4 Technical & Usage Data

• IP address
• Device type and operating system
• Browser type
• Login timestamps
• App usage logs

3. Purpose of Data Collection

We collect and use information for the following purposes:

• Managing insurance policy data and renewals
• Tracking advisor sales performance
• Providing login access to advisors and customers
• Sending renewal reminders, alerts, and notifications via email

4. Data Sharing and Disclosure

We do not sell or rent personal data. Information may be shared only in the following cases:

• With authorized insurance partners (e.g., Kotak) strictly for policy servicing
• With internal administrators for operational purposes
• With service providers (email, hosting, cloud storage) under strict confidentiality agreements
• When required by law, court order, or government authority

5. Data Storage and Security

We implement reasonable administrative, technical, and physical safeguards to protect your data, including:

• Secure servers and encrypted databases
• Role-based access control
• Secure login authentication

Despite our efforts, no digital system is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain personal and insurance-related data only for as long as necessary:

• To fulfill operational and contractual obligations
• To comply with legal and regulatory requirements

Once data is no longer required, it is securely deleted or anonymized.

7. User Rights

Users have the right to:

• Access their personal and policy information
• Request correction of inaccurate data
• Request deletion of data (subject to legal obligations)
• Withdraw consent for non-essential communications

Requests can be made by contacting us using the details provided below.

8. Cookies and Tracking

BM Solution Site may use cookies or similar technologies to:

• Maintain login sessions
• Improve performance and security

Users can control cookies through their browser or device settings.

9. Third-Party Links

The Platform may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such external platforms.

10. Children's Privacy

The Platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from minors.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date.

Continued use of the Platform after changes indicates acceptance of the revised policy.

12. Contact Information