1. Introduction

This Privacy Policy explains how WSquare Insurance ("we," "our," or "us") collects, uses, stores, and protects your personal data when you use our services, purchase policies, or visit our website.

By accessing our website or availing of our services, you consent to the terms of this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, Date of Birth, Gender, Address, Phone Number, Email ID.
• Identity & Financial Information: PAN, Aadhaar, Passport, Bank Account details, Card details, Premium Payment information.
• Insurance-Specific Information: Policy details, Beneficiary details, Medical history (where required), Claims history.
• Technical Information: IP address, browser type, device information, cookies.

3. Use of Information

We use your information for:

• Issuing and servicing insurance policies.
• Processing premium payments.
• Assessing and settling claims.
• Verifying customer identity (KYC).
• Regulatory and legal compliance.
• Sending policy updates, renewal reminders, and service notifications.
• Improving customer service and fraud prevention.

4. Sharing of Information

We may share your information with:

• Regulatory authorities (IRDAI, Government, Tax Authorities).
• Reinsurers and business partners.
• Third-party service providers (payment gateways, IT support, claim investigators).
• Legal bodies when required by law.

5. Data Protection & Security

We implement strong encryption, firewalls, and secure servers to protect your data.

Access to sensitive data is limited to authorized personnel only.

While we take all precautions, no online transmission can be 100% secure.

6. Cookies Policy

Our website uses cookies to enhance user experience, analyze traffic, and personalize content. You can manage cookies via your browser settings.

7. Refund & Cancellation Policy

Insurance premiums paid are non-refundable once the policy is issued.

No refunds will be processed for cancellations, except as mandated by law or regulatory guidelines (e.g., free-look period, if applicable under IRDAI).

8. Your Rights

You have the right to:

• Access and update your personal information.
• Request correction of inaccuracies.
• Withdraw consent (subject to legal/contractual obligations).
• Lodge a complaint with regulatory authorities if your rights are violated.

9. Governing Law

This Privacy Policy is governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of Chennai, Tamil Nadu.

10. Contact Us

For any questions, requests, or complaints regarding this Privacy Policy:

• 📧 Email: wsquareinsapp@gmail.com
• 📞 Phone: +91 9841417187
• 🏢 Address: RMY APARTMENT, GROUND FLOOR, VETRI NAGAR, JAWAHAR NAGAR, CHENNAI