Privacy Policy

1. Overview

Family Cover Pro ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us.

By using our website or services, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our website or services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Demographic Information: Age, gender, date of birth, occupation
• Financial Information: Income details, bank account information (for premium payments)
• Health Information: Medical history, health conditions (for insurance underwriting)
• Identity Information: Government-issued ID numbers, PAN card, Aadhaar number
• Family Information: Details about family members to be covered under policies

2.2 Automatically Collected Information

When you visit our website, we automatically collect:

• Technical Information: IP address, browser type, operating system, device information
• Usage Information: Pages visited, time spent on pages, click patterns, referral sources
• Location Information: General geographic location based on IP address
• Cookies and Tracking Data: Information collected through cookies and similar technologies

2.3 Information from Third Parties

We may receive information about you from:

• Insurance companies and reinsurers
• Medical professionals and healthcare providers
• Credit bureaus and financial institutions
• Government agencies and regulatory bodies
• Marketing partners and lead generation services

3. How We Use Your Information

3.1 Primary Uses

We use your personal information for the following purposes:

• Service Provision: To provide insurance quotes, process applications, and manage policies
• Customer Support: To respond to inquiries, provide assistance, and resolve issues
• Claims Processing: To evaluate and process insurance claims
• Risk Assessment: To assess insurance risks and determine premium rates
• Communication: To send policy updates, renewal notices, and important information
• Marketing: To send promotional materials and newsletters (with your consent)

3.2 Legal and Regulatory Compliance

We may use your information to:

• Comply with applicable laws and regulations
• Respond to legal requests and court orders
• Prevent fraud and protect against security threats
• Maintain records as required by insurance regulations

3.3 Business Operations

We may use aggregated and anonymized data for:

• Analyzing website usage and improving user experience
• Developing new products and services
• Conducting market research and business analytics
• Training our staff and improving our services

4. Information Sharing and Disclosure

4.1 Authorized Sharing

We may share your information with:

• Insurance Companies: To obtain quotes and process applications
• Reinsurers: For risk assessment and policy underwriting
• Service Providers: Third-party vendors who assist in our operations
• Medical Professionals: For health assessments and claim evaluations
• Payment Processors: To process premium payments and claims

4.2 Legal Requirements

We may disclose your information when required by:

• Court orders, subpoenas, or legal processes
• Government agencies and regulatory authorities
• Law enforcement agencies investigating fraud or other crimes
• Insurance regulatory bodies for compliance purposes

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections.

5. Data Security

5.1 Security Measures

We implement comprehensive security measures to protect your information:

• Encryption: All sensitive data is encrypted in transit and at rest
• Access Controls: Strict access controls limit who can view your information
• Secure Servers: Data is stored on secure servers with regular security updates
• Firewalls: Advanced firewall protection prevents unauthorized access
• Regular Audits: We conduct regular security audits and assessments
• Employee Training: Staff receive regular training on data protection

5.2 Data Breach Response

In the unlikely event of a data breach:

• We will investigate and contain the breach immediately
• Affected individuals will be notified within 72 hours
• Regulatory authorities will be informed as required by law
• We will provide support and guidance to affected individuals

6. Cookies and Tracking Technologies

6.1 Types of Cookies We Use

• Essential Cookies: Required for website functionality and security
• Performance Cookies: Help us understand how visitors use our website
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements (with consent)

6.2 Managing Cookies

You can control cookies through:

• Your browser settings to block or delete cookies
• Our cookie consent banner when you first visit our website
• Your account preferences for marketing communications
• Third-party opt-out tools for advertising cookies

6.3 Third-Party Tracking

We may use third-party services for:

• Google Analytics for website analytics
• Social media plugins and sharing buttons
• Customer support chat services
• Marketing automation and email services

7. Your Privacy Rights

7.1 Access and Control

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request transfer of your data to another service provider
• Restriction: Request limitation of how we process your information
• Objection: Object to processing based on legitimate interests

7.2 Marketing Communications

You can:

• Unsubscribe from marketing emails using the unsubscribe link
• Opt out of SMS marketing by replying "STOP"
• Update your communication preferences in your account
• Contact us to remove your information from marketing lists

7.3 Exercising Your Rights

To exercise your privacy rights:

• Email us at privacy@familycoverpro.com
• Call our privacy helpline at (661) 298-1313
• Submit a request through your online account
• Send a written request to our registered office

8. Data Retention

8.1 Retention Periods

We retain your information for different periods based on the type of data:

• Policy Information: 7 years after policy expiration (regulatory requirement)
• Claims Data: 10 years after claim settlement
• Marketing Data: Until you unsubscribe or request deletion
• Website Analytics: 26 months from collection
• Customer Support: 3 years after last interaction

8.2 Secure Disposal

When we no longer need your information, we securely delete or anonymize it using industry-standard methods to prevent unauthorized access or recovery.

9. Children's Privacy

Our services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete such information promptly.

Parents or guardians who believe their child has provided us with personal information should contact us immediately.

10. International Data Transfers

Your information is primarily stored and processed in India. If we transfer your information to other countries, we ensure adequate protection through:

• Adequacy decisions by regulatory authorities
• Standard contractual clauses approved by regulators
• Certification schemes and codes of conduct
• Binding corporate rules for intra-group transfers

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes:

• We will post the updated policy on our website
• We will update the "Last Updated" date at the top of this policy
• For significant changes, we will notify you by email or website notice
• Your continued use of our services constitutes acceptance of the updated policy

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: