Privacy Policy

Effective Date: January 1, 2024 (Updated 2026)

At SwasthiyaSure, which provides insurance guidance through individually appointed insurance agents, we value the trust you place in us. This Privacy Policy details how we collect, use, and protect your personal and medical information during the insurance guidance and policy servicing process.

1. Information We Collect

We collect information you explicitly provide to us via our website forms, policy review uploads, telephone consultations, or WhatsApp interactions, including:

• Personal identification details (Name, Age, Date of Birth, Gender)
• Contact details (Phone Number, WhatsApp, Email Address, City/State of Residence)
• Health and lifestyle declarations necessary for underwriting underwriting medical policies
• Existing policy schedules for conducting requested policy health check audits

2. How We Use Your Information

Your data is used strictly for insurance guidance and policy evaluation purposes:

• To analyze existing policy coverages and identify policy gaps or sub-limits.
• To generate accurate, personalized premium illustrations matched to your needs.
• To assist with insurer underwriting formalities and documentation.
• To guide policy renewals and facilitate claim coordination support.
• To verify your identity as mandated by IRDAI Anti-Money Laundering (AML) / KYC regulations.

We strictly do not sell, lease, or rent your personal data to third-party telemarketers or external lead brokers.

3. Data Sharing and Protection

We share your data only with authorized entities required to service your insurance:

• Partner Insurance Companies (ICICI Lombard, HDFC ERGO, Niva Bupa): Strictly for proposal processing, underwriting scrutiny, and policy issuance.
• Statutory Authorities: If required by IRDAI regulations, statutory auditors, or judicial orders under Indian law.

We implement industry-standard encryption, strict access controls, and secure physical handling to protect your data from unauthorized access or disclosure.

4. Cookies, Website Analytics & Third-Party Tools

When you visit our public website pages, we and our technical service providers may use cookies and similar web technologies (such as browser storage and measurement tags) to understand how visitors use the site, improve page performance, and ensure reliable functionality. Cookies are small text files stored by your web browser on your device.

• Google Analytics 4 (GA4): We use Google Analytics 4 across our public website pages (excluding private client onboarding pages) to measure aggregated website traffic, page views, general geographic region, device category, and visitor navigation patterns. Google Analytics processes technical and usage information (such as browser type, referring URL, and pseudonymous cookie identifiers) on our behalf to help us improve our educational content and tools.
• Meta Pixel (Specific Pages Only): On our Policy Health Check page (/audit.html) and campaign landing page (/landing.html), we use the Meta Pixel operated by Meta Platforms to measure the effectiveness of our informational outreach and understand visitor actions on those pages.
• Affiliate Links in SwasthiyaSure Health Essentials: Our consumer health education section (/health-essentials/) operates separately from our IRDAI-regulated insurance advisory practice. Select verified product guides (such as our blood pressure monitor buying guide) include disclosed affiliate links to Amazon.in under the Amazon Associates Programme (tracking ID swasthiyasure-21). If you click an affiliate link and make a qualifying purchase on the retailer's website, the retailer may use cookies to attribute the referral and we may earn a small commission at no extra cost to you.

Managing Cookies & Opt-Out Controls: You can control, block, or delete cookies at any time through your web browser settings (usually found under "Privacy" or "Security" preferences in Chrome, Safari, Edge, or Firefox). You may also opt out of Google Analytics measurement across websites by installing the official Google Analytics Opt-out Browser Add-on, and manage ad measurement preferences within your Google or Meta account settings. Disabling analytics cookies will not affect your ability to read our educational guides or contact an advisor.

5. Your Privacy Rights

As a valued client, you have the right to:

• Request confirmation of the personal records maintained in our client database.
• Request rectification or correction of inaccurate personal or policy information.
• Opt-out of any advisory newsletters or renewal reminders at any time.

6. Compliance & Contact Information

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact our compliance desk: