Privacy Policy

Labdhi Insurance Brokers (\u201cLabdhi\u201d, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d) is a licensed insurance broker registered with the Insurance Regulatory and Development Authority of India (IRDAI). We are committed to protecting the privacy of every visitor, client, prospect, and partner who interacts with us. This Privacy Policy explains how we collect, use, share, and safeguard personal information in accordance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, the Digital Personal Data Protection Act, 2023, and applicable IRDAI regulations.

• Identity information \u2014 full name, date of birth, gender, PAN, Aadhaar reference (masked), photograph.
• Contact information \u2014 residential and office address, email, mobile, landline.
• Financial information \u2014 income range, bank account details for premium payments and refunds, GSTIN where applicable.
• Health and lifestyle information \u2014 medical history, existing conditions, smoking/drinking habits, only where required for underwriting.
• Nominee and family details \u2014 names, relationship, age, share of benefit.
• KYC documents \u2014 identity proof, address proof, age proof, income proof.
• Usage data \u2014 IP address, device type, browser, pages visited, time spent and other analytics from our website and digital channels.

• To assess your insurance needs and arrange suitable insurance products from our panel of IRDAI-registered insurers.
• To obtain quotations, place cover, issue policies and process endorsements.
• To assist with claims intimation, documentation, settlement and grievance redressal.
• To comply with KYC, AML, statutory and regulatory obligations.
• To send service communication, renewal reminders, and policy-related alerts.
• To improve our website, products and client experience.

We share information only with insurance companies, surveyors, TPAs, hospitals, regulators, government agencies, auditors and technology service providers who need it to deliver the service you have asked for or to meet our legal obligations. We do not sell or rent your personal information to any third party for marketing purposes.

We follow reasonable security practices including access controls, encryption in transit, secure storage, and periodic audits to protect personal data from unauthorised access, alteration, disclosure or destruction.

We retain personal data only for as long as required to service the policy, meet regulatory record-keeping requirements, and defend any legal claims. After this period, data is securely deleted or anonymised.

You may request access to, correction of, or deletion of your personal data, and withdraw consent for non-mandatory processing by writing to our Grievance Officer at contactus@labdhiinsurance.in. Withdrawal of consent may impact our ability to continue providing certain services.

Our website uses cookies and similar technologies to remember preferences and analyse usage. You may disable cookies in your browser, though some features may not function as intended.

We may update this Privacy Policy from time to time. The latest version will always be available on this page with the effective date.