Privacy Policy
Effective date: 11 July 2026
This Privacy Policy explains how Pinakin Insurance Brokers Private Limited (operating the InsureDost brand and the website www.insuredost.com; “we”, “us”, “our”), an insurance broker licensed by the Insurance Regulatory and Development Authority of India (IRDAI Licence No. 1172), collects, uses, shares and protects your personal data. As the entity that determines the purpose and means of processing, we act as a Data Fiduciary under the DPDP Act.
1. Personal data we collect
- Identity & contact details — name, mobile number, email, address.
- Enquiry details — the product you are interested in and any message you send us.
- Insurance & KYC data (only if you proceed to buy or service a policy through us) — date of birth, PAN, Aadhaar/KYC documents, vehicle/health/asset details, nominee and bank details, as required to place and service your insurance.
- Technical data — limited information such as your IP address and basic device/browser information, and cookies (see section 8).
2. How we use your data
- To respond to your enquiry and provide insurance advice and broking services.
- To obtain quotes from insurers, arrange your policy, and service it (renewals, endorsements, claims assistance).
- To communicate with you about your enquiry, policy and servicing.
- To meet legal, regulatory and tax obligations (including IRDAI and applicable law).
- To maintain the security and integrity of our systems.
3. Lawful basis & your consent
We process your personal data based on the consent you give us (for example, when you submit the enquiry form) and, where applicable, to perform the services you request and to comply with law. You may withdraw your consent at any time by contacting us (section 9); withdrawal will not affect processing already carried out, and some data may be retained where the law requires (section 6).
4. When we share your data
We do not sell your personal data. We share it only as needed to serve you and to comply with law:
- Insurers — to obtain quotes and to place and service your policy.
- Service providers / processors — who help us operate (e.g. secure hosting, communication), bound by confidentiality and data-protection obligations, and permitted to use the data only for the services they provide to us.
- Regulators, courts and authorities — where required by law or regulation.
5. Data security & storage location
We use reasonable technical and organisational safeguards to protect your data, including encryption of sensitive fields, access controls and audit logging. Sensitive personal data is stored on infrastructure located in India. No method of transmission or storage is completely secure, but we work to protect your data appropriately.
6. How long we keep your data
We keep your personal data only for as long as necessary for the purposes above, and for any longer period required by IRDAI regulations, tax law and other applicable law. When it is no longer required, we delete or lock it in line with our data-retention practices.
7. Your rights
Subject to the DPDP Act and applicable law, you may:
- request access to a summary of the personal data we hold about you and how we process it;
- request correction of inaccurate or incomplete data, and completion/updating of your data;
- request erasure of your data, or withdraw consent, subject to legal and regulatory retention requirements;
- nominate another individual to exercise your rights in the event of death or incapacity; and
- raise a grievance about our handling of your data (section 9).
8. Cookies
Our website uses only the minimal cookies/local storage needed for the site to function. We do not use the website to build advertising profiles of you.
9. Grievances & our Data Protection contact
If you have any question or complaint about your personal data, please contact our Grievance Officer:
Grievance Officer: Mr. Vipul Rathod
Email: vipulrathod@insuredost.com
Phone: +91 98813 76377
Address: A-14, Privia Business Center, Next to PCMC RTO Office, Moshi, Pune, Maharashtra, India
We will acknowledge and address your grievance within the timelines required by applicable law. You may also escalate to the Data Protection Board of India as provided under the DPDP Act.
10. Children
Our website and services are intended for individuals aged 18 and above. We do not knowingly collect data of children except as part of a policy arranged by a parent/guardian.
11. Changes to this policy
We may update this Privacy Policy from time to time. The current version is always available on this page with its effective date.