Life Insurance Advisor

CALL LIC ADVISOR ON:

+91-76510-32666

Privacy Policy

Privacy Policy

Effective Date: February 13, 2026

This Privacy Policy explains how Life Insurance Advisor (operated by Shagun Verma, an LIC Insurance Advisor) collects, uses, discloses, and protects your personal information when you visit our website at https://lifeinsuranceadvisor.in (the “Website”), contact us for LIC insurance guidance, or use our services.

We are committed to protecting your privacy in compliance with applicable laws in India, including the Digital Personal Data Protection Act, 2023 (DPDP Act), relevant IRDAI guidelines on protection of policyholders’ interests, information and cybersecurity for insurance intermediaries, and other regulations governing insurance advisors and intermediaries. As an LIC Insurance Advisor, we handle personal information responsibly to assist you with LIC life insurance, term insurance, savings, retirement, child education, and related plans.

Who We Are Our website address is: https://lifeinsuranceadvisor.in. We are Shagun Verma, an authorized LIC Insurance Advisor based in Himachal Pradesh, India, providing guidance on LIC plans. For contact: +91-76510-32666 or via WhatsApp.

Information We Collect We may collect the following types of information:

  • Personal Information you voluntarily provide: Name, email address, phone number, WhatsApp number, date of birth, financial goals, family details, or other details when you inquire about LIC plans, request consultations, submit queries via contact forms, WhatsApp, or phone.
  • Automatically Collected Data: IP address, browser type, device information, pages visited, time and date of visit, referral sources (via cookies or analytics tools).
  • Communication Data: Details from emails, messages, or calls related to insurance advice.

We collect this data only to provide personalized LIC plan recommendations, respond to inquiries, and improve our services.

How We Use Your Information We use your information:

  • To provide LIC insurance guidance, plan comparisons (e.g., Jeevan Akshay-VII, New Jeevan Shanti, Smart Pension, Saral Pension), illustrations, and consultation.
  • To communicate with you about your queries, send updates on LIC plans, or follow up on consultations.
  • To comply with legal obligations, IRDAI regulations, or requests from authorities.
  • For internal purposes like service improvement, fraud prevention, and analytics (aggregated/anonymized data).

We process personal data based on your consent or legitimate uses under the DPDP Act (e.g., responding to your inquiries).

Cookies and Similar Technologies We use cookies and similar technologies for functionality, analytics, and user experience.

  • Essential cookies: Enable site navigation and basic functions.
  • Preference/Analytics cookies: Remember preferences or track usage (anonymized).

You can manage cookies via your browser settings. If you leave comments (if enabled), you may opt-in to save name, email, and website in cookies for convenience (lasting one year).

Embedded Content and Third-Party Services Our site may include embedded content (e.g., WhatsApp links, forms). These behave as if you visited the third-party site, which may collect data, use cookies, or track interactions. We may use third-party tools for analytics or communication (e.g., WhatsApp, Google services). Their privacy policies apply to data they collect.

Sharing Your Data We do not sell your personal information. We may share it:

  • With LIC (Life Insurance Corporation of India) only as necessary for providing accurate plan details or illustrations (with your consent).
  • With service providers (e.g., hosting, analytics) bound by confidentiality.
  • If required by law, IRDAI, courts, or regulatory authorities.
  • In case of business transfer (merger/acquisition).

Data Retention We retain personal data only as long as necessary:

  • Inquiry/consultation data: Retained for up to 5–7 years (or as required by IRDAI/insurance regulations for records).
  • Comments (if applicable): Retained indefinitely for moderation/follow-up.

After this period, data is anonymized or securely deleted unless legally required.

Your Rights Under DPDP Act and Applicable Laws You have rights over your personal data, including:

  • Access, correction, or erasure of your data.
  • Withdrawal of consent (where consent-based).
  • Data portability (in certain cases).
  • Grievance redressal.

To exercise rights, contact us at +91-76510-32666 or via WhatsApp. We will respond within timelines prescribed under the DPDP Act. You may also complain to the Data Protection Board of India if unsatisfied.

Security We implement reasonable security measures (technical, organizational) to protect your data from unauthorized access, loss, or misuse, in line with IRDAI cybersecurity guidelines for intermediaries. However, no transmission over the internet is 100% secure.

Children’s Privacy Our services are not directed at children under 18. We do not knowingly collect data from children without verifiable parental/guardian consent as required under the DPDP Act.

Changes to This Policy We may update this Privacy Policy. Changes will be posted here with the updated effective date. Continued use of the Website constitutes acceptance.

Contact Us For questions, rights requests, or grievances: Shagun Verma LIC Insurance Advisor Ward No. 4, VPO Nehri Nauranga, Tehsil Amb, District Una, Himachal Pradesh – 177210 Phone/WhatsApp: +91-76510-32666 Email: nextgenomnitech@gmail.com.

This Privacy Policy complies with Indian laws and is intended to build trust in our advisory services. Thank you for choosing us for your LIC insurance needs.