PRIVACY POLICY STATEMENT

This Privacy Policy governs the manner in which Insurance Masiha ("We", "Us", "Our") collects, uses, maintains, and discloses information collected from users (each, a "User") of the website. We are an Insurance Grievance Redressal Platform dedicated to resolving complex insurance disputes.

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Policy in compliance with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000.

We collect data solely for the purpose of legal representation and case analysis. The categories of data collected include:

• Full Legal Name of Policyholder/Proposer.
• Correspondence Address, Email Address, and Registered Mobile Number.
• KYC Documents (PAN/Aadhar - masked) strictly for verification purposes.

• Policy Details: Policy Schedules, Terms & Conditions documents.
• Dispute Evidence: Rejection/Repudiation letters, claim forms, and correspondence history.
• Medical Records: Diagnostic reports, discharge summaries, and prescriptions (Strictly for Health/Life claims).
• Financial Proofs: Premium payment receipts or bank statements verifying transactions.

We may collect non-personal identification information such as IP addresses, browser types, and operating systems to maintain system security, analyze traffic flow, and prevent fraudulent activities.

The information collected is utilized for the following restricted purposes:

• Legal Analysis: To evaluate the merits of the rejection and formulate a legal strategy.
• Drafting & Representation: To draft legal notices, Ombudsman complaints, and Consumer Forum representations.
• Regulatory Filing: To register grievances on portals like IRDAI Bima Bharosa or CPGRAMS on your behalf.
• Communication: To provide case status updates via official channels (Email/WhatsApp).

Restriction: We strictly prohibit the use of your personal data for marketing, cross-selling of insurance products, or third-party promotional activities.

We maintain professional confidentiality. Data is disclosed only on a "Need-to-Know" basis to:

• Empanelled Experts: Advocates, Medico-Legal experts, and Case Managers working on your specific file.
• Regulatory Authorities: The Insurance Ombudsman, Consumer Commissions, or IRDAI for dispute resolution.
• The Insurer: The concerned insurance company to facilitate communication and settlement.
• Legal Requirement: Law enforcement agencies if compelled by a valid court order.

We implement appropriate data collection, storage, and processing practices and security measures (including SSL encryption) to protect against unauthorized access, alteration, disclosure, or destruction of your personal information and documents stored on our site.

Client data is retained only for the duration necessary to resolve the grievance or as mandated by the Limitation Act. Upon case closure or termination of services, sensitive documents are archived securely or deleted in accordance with our internal data disposal protocols.

Under applicable laws, you hold the right to Access, Correct, or Withdraw Consent for your data. Requests for the same must be directed to our Grievance Officer in writing. Note that withdrawing consent may result in the termination of ongoing legal services.

This Privacy Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with this policy shall be subject to the exclusive jurisdiction of the competent courts in New Delhi.