Privacy Policy

Add Value Insurance Broker Pvt. Ltd. (“Add Value Insurance”, “we”, “our” or “us”) respects the privacy of visitors to our website and individuals who contact us for insurance-related information, assistance or services.

This Privacy Policy explains how we collect, use, process, store, disclose and protect personal information when you visit our website, submit an enquiry, contact our team or interact with us through our digital channels.

We are an insurance broking company operating in India and providing insurance-related services in accordance with our applicable regulatory authorisations and obligations.

By using our website or voluntarily providing information through our enquiry channels, you acknowledge this Privacy Policy. Where consent is required by applicable law, we will seek that consent separately and in the prescribed manner.

Depending on how you interact with us, we may collect the following categories of information:

A. Personal and contact information

• Name, mobile number, email address and correspondence address.
• Age, date of birth and other information necessary for an insurance enquiry or proposal.

B. Insurance-related information

• Type of insurance you are interested in, such as health, life, motor, travel, home, property, fire, liability or employee benefit insurance.
• Existing policy details, coverage requirements, renewal dates, sum insured and other relevant insurance information.
• Information voluntarily provided in connection with a claim, policy servicing request or insurance comparison.

C. Health and claims information

Where necessary for an insurance-related service and lawfully provided, we may process relevant medical information, medical documents, claim records and related information. Such information will be handled with appropriate care and used only for legitimate, disclosed purposes, subject to applicable law.

D. Technical information

When you visit our website, certain technical information may be collected, such as IP address, browser type, device information, pages visited, approximate usage information and website interaction data, depending on the technology used on our website.

E. Communication information

We may retain information contained in emails, telephone communications, WhatsApp messages, enquiry forms and other correspondence with us, to the extent necessary and lawful.

Please provide only information that is relevant to your enquiry. Do not submit unnecessary personal, medical or financial information through general website forms.

We may collect information:

• Directly from you through website enquiry forms, emails, telephone calls, WhatsApp or other communication channels.
• When you request an insurance quotation, comparison, renewal reminder, policy assistance or claims support.
• From insurance companies or other authorised parties where you have requested a service and the information may lawfully be obtained.
• Automatically through website logs, cookies and similar technologies, where implemented and permitted by applicable law.

Where we receive information about another individual, such as a family member or employee, you should ensure that you are authorised to provide that information and that any required consent or notice has been obtained.

We may use personal information for the following purposes, as applicable:

• Responding to enquiries and requests for insurance information.
• Understanding your insurance requirements and helping you compare available products.
• Facilitating insurance quotations, proposals, policy issuance and renewals.
• Providing policy servicing, claims assistance and customer support.
• Communicating important policy information, service updates and renewal reminders.
• Sharing relevant information with insurance companies and authorised service providers where necessary for a requested insurance service and permitted by law.
• Maintaining customer service records and responding to complaints or disputes.
• Meeting applicable legal, regulatory, audit and record-retention requirements.
• Maintaining website security, preventing misuse and improving website performance.
• Sending newsletters, insurance updates, product announcements or promotional communications where permitted and, where required, with your consent.

We will not use personal information for purposes that are incompatible with the purposes disclosed to you, except where permitted by applicable law.

We do not sell personal information to third parties for their independent marketing purposes.

Depending on the service requested, information may be shared with:

• Insurance companies and authorised insurance-related intermediaries.
• Third-party administrators, hospitals, surveyors, garages or other service providers, where relevant to the insurance transaction or claim.
• Technology, website hosting, communication, customer support and other service providers acting on our behalf.
• Auditors, professional advisers, regulators, law enforcement agencies or government authorities where required or permitted by law.
• Other parties where you have authorised the disclosure or where disclosure is otherwise lawful.

We aim to limit the information shared to what is reasonably necessary for the relevant purpose. The privacy practices of an insurance company or other third party may be governed by its own privacy policy and applicable legal obligations.

Our website may use cookies and similar technologies to support website functionality, understand visitor interactions, maintain security and improve the user experience.

The types of cookies used will depend on the website's actual configuration and may include essential cookies, analytics cookies and preference-related cookies.

Where required by applicable law, we will obtain consent before placing or using non-essential cookies. You may also be able to manage cookies through your browser settings. Disabling certain cookies may affect website functionality.

If third-party analytics, advertising or embedded content tools are used, their data practices may be governed by their respective privacy policies.

We take reasonable measures appropriate to the nature of the information we handle to protect it against unauthorised access, disclosure, alteration, loss or misuse.

These measures may include access controls, restricted access to customer information, appropriate security practices and safeguards applied to our technology and service providers.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure. We will handle security incidents in accordance with applicable legal and regulatory requirements.

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including insurance servicing, claims assistance, dispute resolution and applicable legal or regulatory record-retention obligations.

Where information is no longer required and no lawful retention obligation applies, we will take appropriate steps to delete it or otherwise dispose of it securely, subject to applicable law.

Subject to applicable law and the provisions in force at the relevant time, you may have rights to:

• Request information about the personal data we process.
• Request correction or updating of inaccurate or incomplete information.
• Request deletion of personal data where applicable and where retention is not legally required.
• Withdraw consent for processing based on consent, where applicable.
• Opt out of promotional communications.
• Raise a complaint or grievance concerning the handling of your information.

Requests may be submitted using the contact details provided below. We may need to verify your identity before acting on a request.

Withdrawal of consent does not invalidate processing lawfully undertaken before withdrawal. It may also affect our ability to provide a service that requires the relevant information.

Our website may contain links to insurance companies, regulators, news publications, service providers and other external websites.

We do not control the privacy policies, security practices or content of those websites. Visiting an external website is subject to that website's own terms and privacy policy.

We recommend reviewing the relevant third-party policy before providing personal information.

Our website is intended primarily for individuals seeking insurance information and services. We do not knowingly seek personal information from children through general website enquiries without an appropriate lawful basis and any required parental or guardian consent.

Where information concerning a minor is necessary for an insurance proposal or service, it should be provided by a parent, guardian or other duly authorised person in accordance with applicable law.

We may update this Privacy Policy from time to time to reflect changes in our services, website functionality, business practices or applicable laws and regulations.

The revised policy will be published on this page with an updated “Last Updated” date. Where required by law, we will provide any additional notice or obtain consent as applicable.

For privacy-related queries, requests or complaints, please contact:

Add Value Insurance Broker Pvt. Ltd.

• Website: www.addvalueinsurance.com
• Email: teamaddvalue@gmail.com
• WhatsApp/Contact: +91 92119 42424
• Registered Office: P-9, LGF, P Block, Malviya Nagar, New Delhi – 110017
• Privacy Grievance Contact/Officer: teamaddvalue@gmail.com, +91 92119 42424

We will review and respond to privacy-related requests in accordance with applicable law.