Privacy Policy

When you use Sabse Pahle Bima, we may collect the following types of information:

Personal Information:

•Full name, date of birth, gender

•Email address and phone number

•Residential address and PIN code

•PAN number, Aadhaar number (only when required for insurance purchases)

•Income details (for eligibility assessment)

•Family details (spouse, children, dependents)

•Nominee information

Financial Information:

•Bank account details (for premium payments and claims)

•Investment preferences and risk appetite

•Existing insurance policy details

•Income and expense data (for insurance audit and recommendations)

Technical Information:

•Device type, browser, and operating system

•IP address and geolocation data

•Pages visited and time spent on the platform

•Referral source and navigation patterns

We use the collected information for the following purposes:

Service Delivery:

•To provide personalized insurance recommendations through our AI Advisor

•To conduct comprehensive insurance audits and generate reports

•To facilitate policy purchases, renewals, and claims

•To create and manage your Policy Vault

•To process premium payments and send payment reminders

Communication:

•To send policy renewal reminders and premium due alerts

•To share claim status updates and important notifications

•To respond to your queries and customer support requests

•To send newsletters and educational content (with your consent)

Improvement & Analytics:

•To analyze usage patterns and improve our platform

•To conduct research and develop new features

•To detect and prevent fraud, abuse, and security threats

•To comply with legal and regulatory requirements

We may share your information with the following parties, strictly for the purposes outlined in this policy:

Insurance Companies & Partners:

•When you choose to purchase a policy, we share necessary details with the insurance company to process your application

•Policy details are shared with the respective insurer for policy servicing

•Claim-related information is shared with the insurer and TPA (Third Party Administrator) for claim processing

Service Providers:

•Payment gateway partners for secure transaction processing

•Cloud hosting providers for data storage (with encryption)

•Analytics tools for platform improvement (anonymized data)

Legal Requirements:

•We may disclose information if required by law, court order, or regulatory authority

•To comply with IRDAI (Insurance Regulatory and Development Authority of India) guidelines

•To protect the rights, property, or safety of Sabse Pahle Bima, our users, or the public

We do **NOT** sell, rent, or trade your personal information to third parties for marketing purposes.

We take the security of your data seriously and implement multiple layers of protection:

•**Encryption:** All data transmitted between your device and our servers is encrypted using SSL/TLS protocols (256-bit encryption)

•**Secure Storage:** Personal and financial data is stored in encrypted databases with access controls

•**Firebase Authentication:** We use Google Firebase for secure user authentication with industry-standard security

•**Access Controls:** Only authorized personnel with proper clearance can access user data

•**Regular Audits:** We conduct regular security assessments and vulnerability testing

•**Incident Response:** We have procedures in place to quickly respond to and address any security incidents

While we strive to use commercially acceptable means to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

You have the following rights regarding your personal information:

•**Access:** You can request a copy of all personal data we hold about you

•**Correction:** You can update or correct your information through your Profile settings

•**Deletion:** You can request deletion of your account and associated data by contacting us

•**Opt-Out:** You can opt out of marketing communications by clicking the unsubscribe link in emails

•**Data Portability:** You can request your data in a machine-readable format

•**Restriction:** You can request that we restrict processing of your data in certain circumstances

To exercise any of these rights, please contact us at sabsepahlebima@gmail.com or call us at 9996469069.

Our platform uses cookies and similar tracking technologies:

Essential Cookies:

•Required for basic platform functionality (login, session management)

•Cannot be disabled as they are necessary for the service

Analytics Cookies:

•Help us understand how users interact with our platform

•Used to improve user experience and platform performance

•Data is collected in anonymized form

Preference Cookies:

•Remember your settings and preferences (language, theme)

•Enhance your browsing experience

You can control cookie settings through your browser preferences. Disabling essential cookies may affect platform functionality.

We retain your personal information for as long as your account is active or as needed to provide you services:

•**Active Accounts:** Data is retained for the duration of your account existence

•**Policy Information:** Retained for the duration of the policy plus 8 years as per IRDAI guidelines

•**Claim Records:** Retained for 8 years from the date of claim settlement

•**After Account Deletion:** We may retain certain data as required by law or for legitimate business purposes

•**Analytics Data:** Anonymized data may be retained indefinitely for research purposes

When data is no longer needed, it is securely deleted or anonymized.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children:

•If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately

•We will take steps to delete such information from our systems

•Insurance policies purchased for minors are managed by the parent or legal guardian

Our platform may contain links to third-party websites or services:

•We are not responsible for the privacy practices of external sites

•We encourage you to read the privacy policy of every site you visit

•Third-party insurance company websites have their own privacy policies

•Links to calculators, blogs, or reference materials may redirect to external sources

We may update this Privacy Policy from time to time:

•Material changes will be notified via email or platform notification

•The "Last Updated" date at the top of this page indicates the latest revision

•Continued use of the platform after changes constitutes acceptance of the updated policy

•We recommend reviewing this policy periodically

If you have any concerns about our privacy practices, please contact our Grievance Officer:

**Name:** Sabse Pahle Bima Grievance Team

**Email:** sabsepahlebima@gmail.com

**Phone:** 9996469069

**Address:** 798, 3rd Floor, Sector 9-11, Hisar, Haryana

We will acknowledge your complaint within 48 hours and aim to resolve it within 30 days.

This Privacy Policy is governed by the laws of India:

•Any disputes shall be subject to the exclusive jurisdiction of courts in Hisar, Haryana

•This policy complies with the Information Technology Act, 2000 and applicable rules

•We adhere to IRDAI guidelines on data protection and privacy

•The Digital Personal Data Protection Act, 2023 is followed where applicable