Privacy Policy

LIC2.in | Subramani Pandi Financial Services

1. Introduction

Welcome to LIC2.in ("we," "our," or "us"). We are committed to protecting your privacy and using personal information only for clear insurance guidance, policy review, customer service, proposal support, and follow-up purposes. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit https://lic2.in or submit a consultation request.

By accessing or using our website, you agree to this Privacy Policy. If you do not agree, please do not submit your personal details through this website.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information when you voluntarily provide it:

• Lead / Consultation Details: Name, mobile number, city, age, insurance need, existing policy status, preferred contact time, and message submitted by you
• Contact Details: Email address, phone number, postal address when voluntarily provided
• Policy / Service Details: Policy numbers, premium amounts, nomination details, claim or renewal details when required for service support
• Sensitive / Identification Details: PAN, Aadhaar, bank details, income documents, medical details, or KYC documents only when required for proposal processing, claim assistance, policy servicing, or regulatory requirements, and only after customer confirmation
• Communication Records: Emails, WhatsApp messages, form submissions, and service/follow-up notes

2.2 Automatically Collected Information

When you visit our website, we automatically collect:

• Device Information: IP address, browser type, operating system, device type
• Usage Data: Pages visited, time spent, click patterns, referral sources
• Cookies: Small data files stored on your device (see Section 6)

3. Consent & Data Minimization

For ordinary lead enquiries, we ask only for basic details such as name, mobile number, city, age, and insurance requirement. Sensitive details such as PAN, Aadhaar, bank information, income documents, medical details, or proposal documents should be shared only when required for proposal processing, claim support, or policy servicing after your confirmation.

You may withdraw consent for marketing or follow-up communication by contacting us. Withdrawal of consent may limit our ability to provide certain services that require your information.

4. How We Use Your Information

We use your information for the following purposes:

• Insurance Guidance: Understanding your requirement and providing need-based policy review or consultation assistance
• Callback / WhatsApp Follow-up: Contacting you regarding your request, policy review, renewal, claim assistance, or proposal support
• Service Delivery: Supporting policy applications, renewals, claims, nominations, revivals, and other insurance servicing requests
• Legal / Regulatory Compliance: Meeting applicable requirements under insurance, tax, anti-money laundering, and Indian data protection laws
• Website Improvement: Analyzing aggregated website usage, form performance, and campaign effectiveness
• Security: Detecting and preventing fraud, spam, unauthorized access, and cyber threats

5. Information Sharing & Disclosure

We do NOT sell your personal information. We share data only when necessary for customer-requested service, legal compliance, or secure website operation. We may share your data only with:

• LIC of India / Relevant Insurer: For proposal processing, underwriting, policy servicing, claims, and official records when required
• Payment Processors: Authorized payment gateways only when a payment-related service is requested
• Regulatory Authorities: IRDAI, Income Tax Department, or courts when legally required
• Service Providers: Hosting providers, email services, and analytics tools under strict confidentiality

6. Data Security

We implement industry-standard security measures:

• SSL Encryption: All data transmitted via HTTPS (256-bit TLS encryption)
• Access Controls: Restricted access to authorized personnel only
• Regular Audits: Security assessments and vulnerability testing
• Data Minimization: We collect and retain only information necessary for the relevant consultation, service, proposal, claim, compliance, or follow-up purpose

7. Cookies & Tracking Technologies

We use cookies to:

• Remember your preferences and login sessions
• Analyze website traffic and user behavior
• Improve website functionality and performance

You can disable cookies in your browser settings, but some features may not work properly.

8. Your Rights

Under Indian law, you have the right to:

• Access: Request a copy of your personal data
• Correction: Update inaccurate or incomplete information
• Deletion: Request deletion of your data (subject to legal retention requirements)
• Objection: Opt-out of marketing communications
• Portability: Request data transfer to another service provider

9. Data Retention

We retain your personal information for:

• Lead / Consultation Records: As long as required for follow-up, customer service, audit, or consent management
• Active Policies / Service Records: As required for policy servicing, claim support, renewals, legal requirements, and insurer/regulatory records
• Financial / Tax Records: As required under applicable Indian tax, accounting, and regulatory laws
• Deletion Requests: Honoured subject to legal, regulatory, contractual, fraud-prevention, and record-retention obligations

10. Third-Party Links

Our website may contain links to third-party websites (LIC official site, payment gateways). We are not responsible for their privacy practices. Please review their policies before sharing information.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect data from minors. If you believe we have collected such data, please contact us immediately.

12. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. Significant changes will be notified via email.

13. Contact Us

© 2026 LIC2.in | Subramani Pandi Financial Services | UDYAM-TN-08-0011813
This Privacy Policy is designed to align with applicable Indian data protection, information technology, and insurance servicing requirements.