Privacy Policy

Finsurers Experts ("we," "us," or "our") respects your privacy and is committed to protecting your personal data in compliance with the Digital Personal Data Protection Act, 2023 (DPDPA), Information Technology Rules, 2021, and IRDAI guidelines for handling applicant information in insurance recruitment. This Privacy Policy ("Policy") explains how we collect, use, disclose, and safeguard personal data when you visit our landing page at https://www.finsurerexperts.com/ (the "Site"), submit forms, quizzes, or applications for advisor roles with our partner Tata AIA Life Insurance Company Limited ("Tata AIA"). It applies to all users ("you" or "users") interacting with the Site for recruitment purposes and does not cover third-party sites. By using the Site, you consent to these practices; if you do not agree, please do not submit data. Last updated: October 11, 2025. For questions, contact us at [contact@finsurerexperts.com] or +91-[your-number] (Mumbai, India).

1. Information We Collect

We collect personal data necessary for screening and facilitating advisor applications, as required by IRDAI for KYC and Form I-A compliance. This includes:

Contact Information: Full name, email address, mobile number (with +91 prefix), and date of birth to verify eligibility (18+ years) and enable follow-ups.

Identification Data: PAN number, state/city of residence, and highest educational qualification (e.g., Class X or higher) for IRDAI licensing checks.

Professional Details: Experience in sales/finance (optional) to assess fit for Tata AIA roles.

Sensitive Personal Data: Under IT Rules, this may include PAN/Aadhaar (for verification) and financial details (e.g., bank info for commissions), collected only with explicit consent and for recruitment.

Usage Data: IP address, browser type, and visit timestamps (via Wix analytics) for site security and improvement; no geolocation beyond state selection.

Quiz/Form Responses: Motivations, ambition data, or document prep details to personalize outreach.

We do not collect data from children under 18, and if we receive any, it will be deleted immediately per COPPA-like standards under DPDPA. Sensitive data (e.g., health or biometrics) is not collected.

2. How We Collect Information

Data is gathered directly from you via:

Forms and Quizzes: When you submit applications or respond to eligibility quizzes on the Site.

Interactions: Email/Whatsapp follow-ups or document requests post-submission.

Automatically: Cookies and analytics tools (e.g., Wix trackers) for non-personal usage data; we use essential cookies only—no marketing trackers without consent.

Third Parties: Limited to Tata AIA for verification or public sources for background checks (with notice).

Collection is minimized to what's necessary for recruitment, with opt-in checkboxes for consent.

3. How We Use Your Information

Your data is used solely for legitimate purposes under DPDPA, including:

Recruitment Processing: Screening applications, verifying eligibility, and coordinating IRDAI training/exams with Tata AIA.

Communication: Sending personalized emails, SMS, or WhatsApp updates on application status, document needs, or opportunities.

Improvement: Analyzing aggregate data (anonymized) to refine the Site or recruitment process; no individual profiling.

Compliance: Sharing with regulators (e.g., IRDAI) or for legal obligations like KYC.

We do not use data for marketing unrelated to recruitment or automated decisions affecting hiring.

4. Disclosure and Sharing of Information

We share data only as needed and with safeguards:

With Tata AIA: For application processing and advisor onboarding; they adhere to IRDAI privacy standards.

Service Providers: CRM tools (e.g., Zoho/WATI for WhatsApp) or Wix for hosting—bound by data processing agreements.

Legal/Regulatory: To IRDAI, courts, or authorities if required (e.g., fraud detection); no international transfers without adequacy checks.

No Sales: We do not sell, rent, or trade data; disclosures are limited to the above.

In mergers/acquisitions, data may transfer with notice.

5. Data Retention and Security

Retention: Personal data is kept for 6 months post-application (or until appointment/withdrawal); longer if required by IRDAI (e.g., 7 years for records). Usage data retained 12 months for analytics.

Security: We implement reasonable measures (e.g., encryption, access controls via Wix) to protect against breaches, per IT Rules—report incidents to users and authorities within 72 hours if material. However, no system is infallible; you use at your risk.

6. Your Rights Under DPDPA and Other Laws

As a data principal, you have rights to:

Access, correct, or erase your data (e.g., via email request).

Withdraw consent (impacts processing; contact us).

Opt-out of communications (unsubscribe links in emails) or non-essential cookies (via browser settings).

Grievance redressal: Submit to our Data Protection Officer at [email] within 30 days response.

For IRDAI-related queries, escalate to Tata AIA. No rights for anonymized data.

7. Cookies and Tracking Technologies

The Site uses essential cookies for functionality (e.g., form sessions) and analytics (e.g., Wix Google Analytics for traffic)—no third-party ads. Manage via browser (e.g., disable in Chrome settings); detailed cookie policy available upon request. We honor Do Not Track signals.

8. Changes to This Policy

We may update this Policy to reflect changes in practices or laws; revisions will be posted here with date, and material changes notified via email or Site notice. Continued use post-changes implies acceptance.

8. Contact Us

For privacy concerns, reach Finsurers Experts at [contact@finsurerexperts.com], +91-[your-number], or [address in Mumbai, India]. Designate a Data Protection Officer for DPDPA compliance. Complaints can be filed with IRDAI or the Data Protection Board.

This Policy ensures transparent, ethical data handling for your recruitment journey. It is not legal advice; consult professionals for specifics.