Privacy Policy — Website & Insure Track Mobile App
InsureAuditExpert.com ("Hum", "Humari", ya "Us") par aapki privacy hamari sabse badi zimmedari hai. Yeh policy transparent tarike se batati hai ki hum hamari website, audit services aur Insure Track mobile application ke madhyam se data kaise collect, use aur bank-grade security ke sath protect karte hain.
Policy Highlights
Updated: March 2026
Hum kaunsa data collect karte hain?
Jab aap hamari website visit karte hain ya Free Insurance Audit ke liye register karte hain, toh hum nimnlikhit jankari collect karte hain:
Personal Identification (Pehchan Jankari)
Aapka poora Name, Email Address, Phone Number, aur Physical Address.
Insurance Policy Data (Policy Ki Copy)
Jab aap Free Audit ke liye policy upload karte hain, toh hum policy number, coverage limits, IDV values, premium amount, deductibles, aur nominee/beneficiary details collect karte hain.
Location Data (Spot Claim Eligibility)
Hamare Safdarjung Enclave (New Delhi) branch ke 20 KM radius ke andar physical spot claim assistance ki eligibility check karne ke liye.
Consent & LOA Documents (Sehmati Patra)
Digital ya physical signatures aur Letter of Authorization (LOA) jo insurance companies ya IRDAI / Insurance Ombudsman ke samne aapka representation karne ke liye zaroori hote hain.
Aapke Data Ka Upyog Kaise Hota Hai?
Hum collect kiye gaye data ka upyog strictly nimnlikhit official uddeshyon ke liye karte hain:
Expert Policy Audit (Gahan Janch)
Aapke current insurance coverage ka deep audit karna, hidden clauses, zero-dep gaps, aur sub-limits ko pakad kar report taiyar karna.
Personalized Recommendations (Sahi Plan Ki Salah)
Hamare licensed partner PBPartners (Policybazaar Insurance Brokers Pvt. Ltd.) aur IRDAI approved insurers ke tailored plans suggest karna.
Claim Assistance & Representation (Claim Me Sahayata)
Claim process ko manage karna, surveyor ke sath coordination, aur galat claim rejection ke khilaf grievance appeal lead karna.
Safety Tech Membership (Device Management)
Aapke account ko 'InsureAudit Expert Safety Club' aur Dashcam/GPS device warranty ke tehat smoothly manage karna.
Data Sharing & Third-Party Disclosure
Aapka data hamare paas 100% surakshit hai. Hum transparency aur trust ke sath kaam karte hain:
Channel Partner Disclosure
PBPartners (Policybazaar Insurance Brokers Pvt. Ltd.) ke authorized Channel Partner ke roop mein, jab aap 'Buy Now' links use karte hain toh relevant policy data unke secure portal ke madhyam se process hota hai.
Regulatory & Legal Sharing (Kanooni Jarurat Par)
Hum aapka data Insurance Companies, IRDAI, ya Insurance Ombudsman ke sath sirf aapki explicit LOA sehmati se aur strictly claim settlement ke liye hi share karte hain.
Strict No-Data-Selling (Data Na Bechne Ka Vada)
Hum aapki personal information kisi bhi third-party telemarketing ya advertising agency ko na toh bechte (sell) hain, na rent karte hain, aur na trade karte hain.
Data Security & Storage (Bank-Grade Suraksha)
Aapke uploaded documents aur sensitive records ko protect karne ke liye hum industry-standard bank-grade encryption use karte hain (Yeh section Website aur Insure Track App dono par barabar lagu hota hai):
256-bit SSL/TLS Encryption
Data transit aur rest dono states mein bank-grade encryption (HTTPS/WSS) ke sath fully encrypted rehta hai.
Restricted Access Control (Pratibandhit Pahunch)
Aapka policy data sirf authorized certified audit experts aur legal claim specialists hi access kar sakte hain.
Zero Storage of Payment Info (No Card Storage)
Hum credit card, debit card ya net banking passwords kabhi store nahi karte. Saare payments RBI authorized gateways dwara hote hain.
Aapki Sehmati (Your Consent)
Apni policy upload karke ya hamari services ke liye register karke, aap is Privacy Policy ke tehat data collection aur usage ke liye apni sehmati pradan karte hain.
Claim Representation Consent (LOA)
Insurer ya Ombudsman ke samne aapki taraf se appeal karne ke liye ek alag Letter of Authorization (LOA) mandatory hoga.
Opt-Out Option (Khabron Se Bahar Nikalna)
Aap kisi bhi samay hamare reminder notifications ya communications se opt-out kar sakte hain.
Aapke Adhikar (Your Rights)
Ek user ke roop mein aapke paas nimnlikhit poore adhikar hain (Website aur Insure Track Mobile App dono ke liye):
Data Access (Data Dekhne Ka Adhikar)
Aap hamare paas maujood apne personal data ki copy kisi bhi samay request kar sakte hain.
Data Rectification (Sudhar Karwane Ka Adhikar)
Agar koi document ya contact details galat hain, toh aap unhe correct karwa sakte hain.
Data Deletion (Right to be Forgotten)
Aap hamare active databases se apna account aur policy data delete karne ki request bhej sakte hain (info@insureauditexpert.com par email karein).
Insure Track Mobile Application
Insure Track Mobile App — Data Collection, Microphone Intercom & Permissions
Insure Track mobile application is website se ek alag dedicated service hai. Is application ko LustreX Technologies Private Limited ("LustreX") dwara publish aur operate kiya jata hai aur yeh hamare registered customers ke authorized fleet administrators aur vehicle operators ke liye uplabdh karwayi gayi hai. App mein koi public sign-up nahi hota — accounts seedha aapke fleet administrator dwara generate kiye jaate hain.
App ke madhyam se aane wala data LustreX ke secure infrastructure tracx.in par transmit aur process hota hai. Section 04 (Data Security) aur Section 06 (Your Rights) is mobile app par bhi poori tarah barabar lagu hote hain.
App Kaunsa Data Collect Karti Hai? (What the App Collects)
Aapka Name, Email Address, aur Mobile Phone Number, jo app mein sign-in aur identity verification ke liye use hota hai.
User ID, Company Identifier, aur encrypted authentication tokens jo aapko app me securely logged-in rakhte hain.
Firebase Cloud Messaging (Android) ya Apple Push Notification service (iOS) dwara issue kiya gaya token, taaki aapke mobile par instant alerts deliver ho sakein.
Gaadiyon ki live GPS positions, movement status, speed, aur aapke authorized fleet sites ki jankari.
Jin gaadiyon me camera hardware laga hai, wahan se recorded video app me live dekhne ke liye retrieve hoti hai. Agar aap koi clip download karte hain toh woh aapke phone ki gallery me save hoti hai. App aapke phone ki pehle se maujood photos ya media files ko bilkul read nahi karti.
Two-way audio hardware wali gaadiyon me, app cabin ke sath live voice call open kar sakti hai. Call ke dauran aapka microphone stream hota hai taaki driver aapki baat sun sake. Yeh audio seedha gaadi tak transmit hoti hai — app is audio ko KABHI BHI record ya store NAHI karti. Microphone sirf tabhi active hota hai jab call chal rahi ho.
Aapke Device Ki Location (Your Device's Location)
Jab aap location permission allow karte hain, toh app aapke phone ki position sirf tabhi read karti hai jab aap app USE kar rahe hote hain (foreground me). Iska purpose sirf map ko aapke aas-paas center karna aur nazdeeki vehicles/sites ko highlight karna hota hai.
*(Dhyan dein: Yeh website ke Section 01 mein bataye gaye 20 KM Branch Radius spot-claim eligibility rule se poori tarah alag hai).
App Kya Collect NAHI Karti? (What App Does NOT Collect)
App aapka koi bhi Health Data, Contacts, Calendars, Payment Info, ya Advertising IDs collect NAHI karti.
- Phone ki photos ya files read nahi ki jaati
- Koi advertising ya telemarketing SDK shaamil nahi hai
- Koi third-party analytics ya crash-reporting service nahi hai
Drivers Ke Baare Mein Mahatvapurna Jankari (A Note About Drivers)
Camera footage aur intercom audio mein gaadi ke driver shaamil hote hain. In features ke upyog par fleet operator hi Data Controller hota hai. Fleet operator ki legal zimmedari hai ki woh apne drivers ko soochit kare ki gaadi me camera aur two-way audio device laga hai aur applicable workplace privacy laws ka poora paalan kare.
App Permissions Ko Manage Karna (Managing Permissions)
Android: Settings → Apps → Insure Track → Permissions. Notifications ke liye: Settings → Apps → Insure Track → Notifications.
iOS: Settings → Privacy & Security (Location Services, Microphone). Notifications: Settings → Notifications → Insure Track.
Microphone permission deny karne par sirf live intercom disable hoga, baaki poora app normal tarike se kaam karta rahega.
App Account Aur Data Delete Karwana (Account & Data Deletion)
App accounts fleet administrator dwara create kiye jaate hain. Apna account aur juda hua data delete karwane ke liye apne registered email se info@insureauditexpert.com par request bhejein. Hum aapki request acknowledge karenge, fleet admin aur LustreX ke sath coordinate karke deletion confirm karenge.
Google Play Data Safety Form Declarations
All data transit mein encrypted rehta hai (HTTPS/WSS)| Data Type (Prakar) | Collected? (Collect Hota Hai?) | Shared? (Share Hota Hai?) | Purpose / Explanation (Karan & Details) |
|---|---|---|---|
| Audio — Voice or sound recordings (Live Intercom) | Haan (Yes) | Haan (Yes) | Live intercom streaming gaadi ke cabin tak; app isko KABHI record ya store NAHI karta. |
| Device or other IDs (Device Pehchan) | Haan (Yes) | Haan (Yes) | FCM push token aur device identifier taaki safety notifications deliver ho sakein. |
| Personal info — Name, Email, Phone | Haan (Yes) | Haan (Yes) | Fleet operator account login aur session verification ke liye. |
| App activity / Fleet Telematics Data | Haan (Yes) | Haan (Yes) | Gaadi ki live position, movement status, route aur speed tracking. |
| Photos and Videos (Dashcam Footage) | Haan (Yes) | Haan (Yes) | Camera-fitted vehicles se footage retrieve karke app me dekhne aur download karne ke liye. |
| Device Location (Aapke Phone Ki GPS) | Nahi (No) | — | Sirf aapke phone par on-device use hota hai map center karne ke liye; server par KABHI transmit nahi hota. |
| Financial info (Banking / Card Info) | Nahi (No) | — | App me koi payments ya billing feature nahi hai. |
| Crash logs / Diagnostics | Nahi (No) | — | App me koi crash reporter SDK ya third-party tracking nahi hai. |
8. Contact Information & Grievance Redressal (Sahayata Aur Shikayat Nivaran)
Agar aapke paas is Privacy Policy, Data Safety declarations, ya Insure Track App se sambandhit koi sawaal hai, ya aap apne personal data rights (access, correction, deletion) exercise karna chahte hain, toh hamare Compliance Officer se sampark karein:
Registered & Corporate Office
B-5/55, Safdarjung Enclave, New Delhi - 110029, India
(Near Safdarjung Hospital & AIIMS metro corridor · Pan-India Fleet & Claim Support)
Aapki Policy Ka Free Risk & Security Audit Karwayein
Hidden gaps aur claim rejection clauses se bachein. 24 ghante mein detailed audit report paayein.