At MeraSurakshaCover, we are committed to protecting your personal information with the same care and diligence we apply to protecting your family's financial future. This Privacy Policy explains clearly — in plain language — what information we collect, why we collect it, how we use it, and the choices you have.
This policy applies to all services offered through merasurakshacover.com and all interactions with Mohit (Your Suraksha Coach), including consultations, tool usage, newsletter subscriptions, and any communication via phone, email, or WhatsApp.
We collect only the information necessary to provide you with accurate, personalized insurance and financial advisory. We never collect information without a clear purpose.
- Personal Identifiers: Your full name, phone number, email address, and city/location when you fill out our consultation form, calculator tools, or newsletter subscription.
- Financial Profile Data: Income range, family size, existing insurance policies, annual premium outflow — collected during need analysis and Suraksha Audit conversations. This data is advisory-use only.
- Appointment Details: Preferred consultation time, meeting mode (in-person / video / phone), and the specific topics you wish to discuss.
- Message Content: Any messages you send via the contact form, WhatsApp, or email — including policy details you share for review.
- Device & Browser Data: Browser type, operating system, screen resolution, and device type — used for ensuring the website displays correctly on your device.
- Approximate Location: City/region inferred from your IP address, used to provide location-relevant insurance guidance (e.g., flood zone cover in Gujarat).
- Usage Analytics: Pages visited, time spent on pages, links clicked, and tool interactions — collected via Google Analytics in anonymized, aggregated form.
- Cookies: Session and preference cookies as described in our Cookies section below.
Your information is used exclusively to serve you better as a client. We do not use your data for advertising, data brokering, or any purpose unrelated to your Suraksha planning.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Scheduling and conducting your free consultation | Name, phone, email, time preference | Consent |
| Delivering personalized Suraksha Audit and need analysis | Income, family profile, existing policies | Consent |
| Sending Suraksha Weekly newsletter (only if subscribed) | Email address, name | Consent |
| Calculating HLV, NPS corpus, and health cover estimates | Age, income, family size (tool inputs) | Consent |
| Improving website functionality and user experience | Anonymized analytics data | Legitimate Interest |
| Complying with IRDAI regulatory requirements | Client records as required | Legal Obligation |
We will never call you repeatedly, sell your data to insurers for cold calling, or use your information for any purpose you have not explicitly consented to. One consultation confirmation — that's it.
We do not sell, rent, or trade your personal information. Period. Your data may only be shared in the following limited, necessary circumstances:
- Insurance Companies (with your consent): When you decide to proceed with purchasing a policy, your name, contact details, and relevant health/financial information are shared with the chosen insurer for underwriting and policy issuance only.
- Service Providers: Trusted third-party tools (such as Google Analytics for website analytics, and email delivery services for newsletters) receive anonymized or limited data strictly necessary for their service function. They are contractually bound to not use this data for their own purposes.
- Legal Requirements: If required by law, court order, or IRDAI regulatory compliance, we may disclose information as legally obligated. We will notify you if legally permitted to do so.
- Business Succession: In the unlikely event of a business transfer or acquisition, client data would be part of the transferred assets with equivalent privacy protections guaranteed in writing.
We will never share your data with insurance companies for unsolicited marketing without your explicit consent. If you receive calls from insurers after visiting our site without requesting a callback, please report it to us immediately at mohitdhall@merasurakshacover.com.
We use minimal, privacy-respecting cookies to make the website function correctly and to understand how visitors use our tools. We do not use invasive tracking or advertising cookies.
| Cookie Type | Purpose | Duration | Can You Disable? |
|---|---|---|---|
| Essential / Session | Keeps the website functional — form state, navigation, tool progress | Session (browser close) | No — breaks core functions |
| Preference | Remembers your segment selection (Retail/Middle/HNI) for return visits | 30 days | Optional |
| Analytics (Google) | Anonymized page view and interaction data to improve the site | 2 years | Yes — opt out anytime |
| Marketing / Ad | Not used | N/A | N/A |
You can manage or delete cookies anytime through your browser settings. Disabling analytics cookies will not affect your ability to use any feature on this website.
We retain your personal data only as long as is necessary for the purpose it was collected, or as required by law.
- Active Clients: Your insurance portfolio records, policy details, and communication history are retained for the duration of our advisory relationship plus 7 years (as required by IRDAI regulations for licensed advisors).
- Newsletter Subscribers: Retained until you unsubscribe. Every newsletter contains a one-click unsubscribe link.
- Consultation Requests (not converted): Contact form data where a consultation did not proceed is deleted after 90 days unless you have asked to be followed up later.
- Calculator Tool Inputs: All tool inputs (HLV, NPS, health checker) are processed in-session only and are not stored on our servers.
We take reasonable and appropriate technical and organizational measures to protect your personal information from unauthorized access, loss, misuse, or disclosure.
- All web communications are encrypted using SSL/TLS (HTTPS). Never submit sensitive data over an insecure connection.
- Client records are stored on password-protected, access-controlled systems with limited access restricted to Mohit only.
- Physical documents (if any) are kept in locked storage and destroyed securely when the retention period expires.
- In the event of a data breach that affects your personal information, we will notify you within 72 hours of becoming aware, as required under applicable Indian data protection guidelines.
No method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security. Please avoid sharing sensitive financial passwords or OTPs through any channel.
Under India's Digital Personal Data Protection Act (DPDPA) 2023 and applicable regulations, you have the following rights regarding your personal data:
Request a copy of all personal data we hold about you at any time. We will respond within 30 days.
Request correction of inaccurate or outdated personal information we hold on you.
Request deletion of your personal data, subject to legal retention obligations under IRDAI regulations.
Withdraw your consent at any time. This will not affect the lawfulness of processing prior to withdrawal.
Request your personal data in a machine-readable format for transfer to another service provider.
Unsubscribe from Suraksha Weekly or any communication at any time with one click. No questions asked.
To exercise any of these rights, email mohitdhall@merasurakshacover.com with the subject line "Privacy Request". We will acknowledge within 48 hours and fulfill the request within 30 days.
Our services are intended for adults (18 years and above) making financial decisions for themselves and their families. We do not knowingly collect personal information from anyone under the age of 18.
If you are a parent or guardian and believe your child has submitted personal information to us, please contact us immediately at mohitdhall@merasurakshacover.com and we will delete the information promptly.
Insurance products for children (such as child education plans) are discussed with and contracted by the parent or legal guardian. No personal data of a minor is collected or processed independently.
Our website may contain links to external websites such as insurer portals, IRDAI resources, PFRDA/NPS websites, or financial news sources. These links are provided for your convenience and reference.
We have no control over the content, privacy practices, or data handling of these external sites. We strongly encourage you to read the privacy policy of any website you visit through our links. MeraSurakshaCover is not responsible for the privacy practices of third-party websites.
We may update this Privacy Policy from time to time to reflect changes in our practices, new services, or regulatory requirements. When we make material changes, we will:
- Send an email notification to all active clients and newsletter subscribers at least 7 days before changes take effect.
- Update the "Last Updated" date on this page prominently so you can verify when the policy was last changed.
- Display a notice banner on the homepage for 30 days following any significant update.
Your continued use of our website and services after any changes constitutes your acceptance of the revised policy. If you disagree with changes, you may request deletion of your data as per your rights above.
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal data, please reach out. We take all privacy inquiries seriously and respond promptly.
If you are not satisfied with our response to a privacy concern, you may also lodge a complaint with the Data Protection Board of India once constituted under the DPDPA 2023, or with the Insurance Regulatory and Development Authority of India (IRDAI).