Privacy Policy

Last Updated: 24 October, 2025

Bima Saathi (powered by Nandak Insurance Brokers Pvt. Ltd., IRDAI Licence No. 978) operates the website www.bimasaathi.in and related digital properties (collectively, the “Platform”). We respect your privacy and protect your data in accordance with applicable Indian laws including the Information Technology Act, 2000 and the SPDI Rules, 2011.

This electronic record is generated by a computer system and does not require physical or digital signatures. By accessing or using the Platform, you consent to the practices described below.

What we collect

• Identity & contact: name, mobile, email, postal address, date of birth, gender.

• KYC & regulatory: PAN, Aadhaar/OVD, proof of identity/address, photographs, signature.

• Policy & transaction: quotes requested, policy numbers, premium/payment status, claim information.

• Device & usage: IP address, browser type, OS, device identifiers, pages visited, time stamps, referral URLs, cookies/web beacons.

• Communications: queries, emails, call recordings (where permitted), feedback, survey responses.

Why we use your data

• Provide quotes, comparisons and brokerage services; issue/renew policies; assist in claims.

• Perform KYC/AML, fraud checks and regulatory reporting (IRDAI and other authorities).

• Improve Platform performance, security and user experience; analytics and service quality.

• Customer support, reminders (renewal, payment, claim), and service communications.

• With your consent, send product updates and offers (you can unsubscribe anytime).

When we share data

We do not sell personal information. We may share data, on a need-to-know basis, with:

• Insurers and their TPAs for underwriting, issuance and claims servicing.

• Service partners (KYC providers, IT/hosting, analytics, payment gateways, customer care).

• Auditors, consultants, professional advisers under confidentiality obligations.

• Courts, regulators or law-enforcement where required by law.

Cookies & similar tools

We use cookies/web beacons and similar technologies (“Data Collection Tools”) to remember your preferences, secure sessions and understand usage. You can disable cookies in your browser; some features may not function as intended.

Security

We use administrative, technical and physical safeguards (encryption in transit, role-based access, logging/monitoring). No method is 100% secure; you use the Platform at your own risk.

Data retention

We retain data for as long as necessary for the purposes above and to meet legal, accounting and regulatory obligations (including IRDAI record-keeping).

Your choices & rights

• Access, correct, update certain information.

• Withdraw marketing consent (service/transactional communications may still be sent).

• Request deletion subject to legal/regulatory retention requirements.

Links to third-party sites

Our Platform may link to external sites. We are not responsible for their privacy practices or content.

Changes to this policy

We may revise this Policy periodically. Please review it frequently for updates.

Contact / Grievance & Nodal Desk (as required under IT Act)

Grievance/Nodal Officer: [Name]
Hours: Monday–Friday, 10:00–18:00 IST
Address: [Registered/Corporate Address, City, PIN, State]
Email: support@bimasaathi.in

By using the Platform, you agree that any dispute concerning privacy will be governed by this Policy and our Terms of Use, and is subject to the exclusive jurisdiction of courts at [Kolkata, West Bengal].