Legal

Privacy Policy

गोपनीयता नीति

At Insurancellello.com (operated by S.K. Sahu & Associate), protecting your privacy is fundamental to everything we do. This Privacy Policy explains how we collect, use, store and safeguard your personal and sensitive information when you use our website and services.

1. Legal Framework

This Policy is governed by the Information Technology Act, 2000 (Section 43A), the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Information Technology (Intermediaries Guidelines) Rules, 2011, the Digital Personal Data Protection Act, 2023 (as and when notified), and other applicable Indian data-protection laws.

2. Information We Collect

Personal information — full name, email address, mobile number, postal address, payment details where applicable.
Sensitive personal data — financial details, medical history, claim documents shared voluntarily for case assessment.
Non-personal information — IP address, browser type, operating system, referral source, page-level usage analytics.
Cookies & tracking — small text files placed on your device to remember preferences and measure engagement.

3. Purpose Of Collection & Use

To provide, operate and improve our advisory and claim-resolution services.
To process payments and issue engagement letters.
To verify identity and prevent fraud.
To send service updates and (with consent) promotional communications — you can opt out anytime by writing to info@insurancellello.com.
To meet legal, regulatory and tax compliance obligations.
For internal research, audit and quality control.

4. Data Sharing & Disclosure

We do not sell, rent or trade your personal information. We disclose your data only:

To trusted service providers (cloud, payments, email) under strict confidentiality and security obligations.
To insurers, IRDAI, the Ombudsman or courts, only where you have explicitly engaged us to represent your case.
To legal or regulatory authorities, where required by Indian law.
In the event of a merger or acquisition, with continued protections in line with this Policy.
With your explicit, written consent.

5. Data Retention

We retain your personal information only for as long as it is necessary to fulfil the purposes for which it was collected, and to satisfy any legal, tax or accounting requirements. By default, client-engagement records are held for up to seven years after closure of the engagement. After this period, data is either securely deleted or anonymised.

6. Security Measures

We follow industry-standard technical and organisational safeguards — encrypted storage, access controls, audited logs, and staff confidentiality undertakings. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Your Rights

Access — request a copy of the data we hold about you.
Correct — ask us to update incomplete or inaccurate information.
Withdraw consent — withdraw previously-given consent for processing.
Delete — request erasure of your data, subject to legal-retention obligations.
Opt out — unsubscribe from marketing communications.

Requests can be addressed to our Grievance Officer (see clause 12 below).

8. Cookies Policy

We use cookies and similar technologies for analytics, security, personalisation and to measure the effectiveness of our campaigns. Session cookies expire when you close your browser; persistent cookies remain until they are deleted. Third-party cookies (e.g. Google Analytics) are governed by the respective third party’s privacy policy. You can disable cookies in your browser or opt out at Google Ad Preferences.

9. Testimonials Policy

All testimonials published on this website are genuine and given voluntarily by clients. Outcomes vary from case to case — the results described are individual experiences, not guarantees. Testimonials may be lightly edited for clarity or length and are reviewed for accuracy before publication.

10. Children's Privacy

Our services are not directed at children under the age of 18. We do not knowingly collect personal information from minors. If we discover that a minor has provided us with personal data, we will delete it promptly.

11. External Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. Please review their privacy policies before sharing any personal information with them.

12. Grievance Redressal

Grievance Officer: Mr. S.K. Sahu — Founder, S.K. Sahu & Associate.
Email: info@insurancellello.com
Phone: +91 96193 42170
Address: S.K. Sahu & Associate, Office No. 111, OP Commerce Centre, Opposite of Railway Station, Bhayander (East), Thane — 401105, Maharashtra (India).

We aim to acknowledge every grievance within 24 hours and to resolve it within 15 working days.

13. Governing Law & Jurisdiction

This Policy is governed by and construed in accordance with the laws of India. Any disputes arising in connection with this Policy or the use of this website shall be subject to the exclusive jurisdiction of the courts at Mumbai.

14. Policy Updates

We may revise this Policy from time to time to reflect changes in law, technology or our practices. The latest version will always be posted on this page with a revision date. Your continued use of our services after such updates constitutes acceptance of the revised Policy.

Last updated: May 2026.

Questions About How We Handle Your Data?

Our Grievance Officer is available on every working day.

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