Privacy Policy

1. Introduction

Welcome to Bimawala Group.

Bimawala Group ("us", "we", or "our") operates the website https://bimawalagroup.com/ (the "Service"). This Privacy Policy outlines how we collect, use, protect, and disclose your information when you use our website and services related to insurance advisory, wealth management, claims assistance, and financial planning.

By using our Service, you agree to the collection and use of information in accordance with this policy. This Privacy Policy is to be read in conjunction with our Terms and Conditions. If you do not agree with this policy, please do not use our Service.

2. Definitions

Service refers to the website https://www.bimawalagroup.com/ operated by Bimawala Group.
Personal Data means data that can identify a living individual.
Usage Data refers to automatically collected data, such as browser info, device info, or time spent on pages.
Cookies are small pieces of data stored on your device.
Data Controller means we decide how and why your personal data is processed.
Data Processor means third-party providers who process data on our behalf.
Data Subject/User means you, the individual using our Service.

3. Information We Collect

We collect different types of information to help us serve you better:

a) Personal Data

We may collect the following information:

Name
Email address
Mobile number
Address (including city, state, postal code)
PAN, Aadhaar, or other identification documents (when required for insurance or financial services)
Financial goals and investment preferences (only when voluntarily provided)

b) Usage Data

We may collect data about:

Your IP address
Browser type and version
Device type
Pages visited and time spent
Diagnostic and crash information

c) Cookies

We use cookies to:

Maintain sessions
Remember user preferences
Track website usage for analytics and improvements
Serve remarketing ads based on user behavior

You can disable cookies in your browser settings, but doing so may impact functionality.

4. How We Use Your Data

We use the collected data to:

Provide and improve our insurance and financial services
Help you select suitable insurance and investment products
Respond to your queries and service requests
Share personalized recommendations
Track policy status, renewals, and claims
Send newsletters, service updates, or promotional offers (only if opted-in)
Improve website experience through analytics
Detect fraud or security breaches
Comply with legal obligations and industry regulations

5. Data Retention

We retain Personal Data:

As long as necessary for your relationship with us
As required by insurance, tax, or regulatory authorities
Until you request deletion, unless we are legally required to retain it

Usage Data is generally retained for shorter durations unless used for improving system security or performance.

6. Data Transfers

Your data may be transferred to, and maintained on, servers outside your state or country. If you are located outside India and submit your data to us, you agree to its transfer to India for processing.

We take all reasonable steps to ensure your data is secure and treated in accordance with this Privacy Policy.

7. Disclosure of Data

We may disclose your data:

To insurance companies, TPAs, financial product providers, or regulators as required to process your application or claims
To third-party service providers like CRM platforms, payment gateways, or communication tools who are contractually bound to protect your data
If legally required to do so (e.g., under court orders or regulatory directives)
During a merger, acquisition, or asset sale
With your explicit consent

We do not sell your personal data to advertisers or third-party marketers.

8. Data Security

We implement industry-standard practices to protect your personal data, including:

SSL encryption
Access restrictions
Regular software and data backups

However, no method of data transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

9. Service Providers

We may engage third-party companies to support:

CRM and communication
Web hosting
Marketing automation
Payment processing
Analytics and website optimization

These providers are given only necessary data and are required to follow strict confidentiality agreements.

10. Analytics

We use third-party tools like Google Analytics to:

Understand user behavior
Measure engagement
Improve content and navigation

These tools may collect non-personal identifiers via cookies.

11. Advertising & Remarketing

We may use platforms like Google Ads or Meta Ads to:

Show you relevant promotions based on your interaction with our website
Optimize our advertising budgets and audience targeting

You can opt out of personalized ads via your browser settings or the Digital Advertising Alliance tools.

12. Payments

For paid services (e.g., policy issuance fees or advisory charges), we use third-party payment gateways. We do not store your card or bank details. Your transaction data is processed securely through PCI-DSS-compliant providers.

13. Links to Other Websites

Our website may contain links to third-party sites (e.g., insurer portals or financial calculators). We are not responsible for their privacy practices. Please review their policies separately.

14. Children’s Privacy

Our services are not directed at individuals under 18. We do not knowingly collect data from minors. If we become aware of such collection, we will take steps to delete the data immediately.

15. Changes to This Policy

We may update this Privacy Policy as required. Changes will be posted on this page with a revised "Effective Date." Major updates may also be communicated via email or on the website. Continued use of the Service after changes implies acceptance.

16. Contact Us

If you have any questions about this Privacy Policy, or wish to access, update, or delete your data, please contact us:

Bimawala Group

Email: harsh@bimawalagroup.com

Phone: 9820036783

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