1.The Firm’s Privacy Policy is based on transparency

We are committed to being open and transparent towards how we manage the personal information of our clients.

2.Types of personal information held by the Firm and when and how it is collected

Personal information means the information which is available or likely to be available with us and which is capable of identifying you or form an opinion about you. It includes information regarding your personal details, events, and other information obtained or received by us in connection with your possible and actual details provided.

2.1 Sensitive Personal Data or Information (“SPDI”)

SPDI is a special category of personal information defined under applicable Indian law that may include information capable of identifying you or forming an opinion about you. Such information may include passwords, financial information, and other information provided to us for providing services.

Depending on the services requested by a user, Claims Nidan may also receive or process insurance-claim information and other information that may be sensitive in nature, including information contained in claim records or documents voluntarily provided by the user. We process such information only for legitimate service, claim-handling, support, compliance, or other purposes described in this Privacy Policy and subject to applicable law.

2.2 Data Collected Using Google Services

We use Google authentication and its mailing API services (gmail.readonly, userinfo.email) to provide you (end customer) with better convenience and services from our end. The data captured will be used only for internal purpose and will not be exposed to any third party. Authorizing & storing this data will be solely on your approval.

Claims Nidan's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

2.3 WhatsApp Communications

We may use WhatsApp and the WhatsApp Business Platform / WhatsApp Cloud API provided by Meta Platforms, Inc. and/or its affiliates to communicate with users regarding our services.

WhatsApp may be used for service-related communications such as claim-related updates, customer support, registration or verification communications, notifications, responses to user enquiries, and other communications requested or initiated by the user. The specific types of WhatsApp communications may vary depending on the services used by the user.

When you communicate with Claims Nidan through WhatsApp, or when we send you a WhatsApp message as part of our services, we may process information necessary to provide that communication, which may include your name, mobile/WhatsApp number, claim or reference number, policy or service information, message content, attachments or documents you voluntarily provide, communication history, and other information necessary for the requested service.

Information required to deliver WhatsApp communications may be processed by Meta Platforms, Inc. and/or its affiliates and other service providers involved in providing communication, hosting, security, authentication, analytics, or related services, as applicable. Such processing is subject to the applicable terms, policies, and privacy practices of those providers.

We use WhatsApp communications for legitimate business and service-related purposes and will not use WhatsApp as a channel for purposes that are inconsistent with this Privacy Policy or applicable law.

Where a communication is promotional or marketing-related, we will provide an appropriate mechanism to opt out or otherwise stop such communications where required by applicable law and platform requirements. Service and transactional communications may continue where necessary to provide a requested service or comply with legal obligations.

3.Collection

We may collect, handle, process or store personal information and /or SPDI about you when:

• You are a registered user on our website or provide any other information in connection with your registration;
• We receive any reference about you;
• We receive any information about any insurance investigation, litigation, registration or professional disciplinary matter, criminal matter, inquest or inquiry in which you were involved;
• You provide us with any additional information about you.

4.General information collected from visitors to our website

We gather personal information and / or SPDI about all our website users collectively, such as what areas users visit more frequently and what services users access the most. This information helps us determine what is most beneficial for our users, and how we can continuously create a better overall website experience for you.

When you use or transact on our website, we collect Personal Information about you periodically. The objective really is to give a seamless, safe and a personalised experience which would make using our website a pleasant experience for you. Also we do need some personal information that is essential in order to execute the orders that you place on our site.

All your information is maintained by Claims Nidan in an electronic form on its equipment, and on the equipment’s of its employees. The User information may also be converted to physical form from time to time. Claims Nidan makes all User information accessible to its employees only on a need-to-know basis, and binds all such employees to strict confidentiality obligations.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we may collect such information into a file specific to you.

In our efforts to continuously improve our service offerings, we collect and analyse demographic and profile data about our users' activity on our Website.

We identify and use your IP address to help diagnose problems with our server, and to administer our Website. Your IP address is also used to help identify you and to gather broad demographic information.

We use your personal information to resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our services, inform you about online and offline offers, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection.

Where we use third-party service providers to support our services, including communications, hosting, authentication, payments, customer support, analytics, or related functions, those providers may process information on our behalf to the extent necessary to provide their services.

Notwithstanding the above, Claims Nidan shall not be responsible for any breach of security or for any actions of any third parties that receive Users’ personal data or events that are beyond the reasonable control of Claims Nidan including, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, breach of security and encryption, poor quality of internet service or telephone service etc.

5.Cookies

We use data collection devices such as "cookies" on certain pages of the Website to help analyse our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. A cookie is a small piece of information stored by a web server on a web browser that can later be read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user.

We place both permanent and temporary cookies in your computer's hard drive. In the course of optimizing services to its Users, Claims Nidan may allow authorized third parties to place or recognize a unique cookie on the User’s browser. The cookies do not contain any of your personally identifiable information.

We offer certain features that are only available through the use of a cookie. We also use cookies to allow you to enter your password less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are session cookies, meaning that they are automatically deleted from your hard drive at the end of a session.

You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on the Website and you may be required to re-enter your password more frequently during a session.

Additionally, you may encounter cookies or other similar devices on certain pages of the Website that are placed by third parties. We do not control the use of cookies by third parties.

6.Banking and credit card information

Claims Nidan may require the User to pay with a credit card, wire transfer, debit card or cheque/cash. Claims Nidan will collect such User’s credit card number and/or other financial institutional information such as bank account numbers and will use that information for the billing and payment processes, including but not limited to the use and disclosure of such credit card number and information to third parties as necessary to complete such billing operation.

Verification of credit information, however, is accomplished solely by the User through the authentication process. User’s credit card/debit card details are transacted upon secure sites of approved payment gateways which are digitally under encryption, thereby providing the highest possible degree of care as per current technology. However, Claims Nidan provides you an option not to save your payment details.

User is advised, however, that internet technology is not full proof safe and User should exercise discretion while using the same.

7.Choice / Opt-Out

We use personal information to provide the services which you have requested. To the extent we use your personal information to market to you, we will provide you the ability to opt-out of such uses. We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account.

If you want to remove your contact information from all www.claimsnidan.com lists, please unsubscribe.

For WhatsApp communications, users may also use any unsubscribe, stop, or other opt-out mechanism made available by Claims Nidan or through the applicable WhatsApp communication, where supported.

8.Links to Other Sites

Our Website may link you to other websites that may collect personally identifiable information about you. www.claimsnidan.com is not responsible for the privacy practices or the content of those linked websites.

9.Security Precautions

Our Website has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

We use reasonable technical and organisational safeguards appropriate to the nature of the information processed. However, no internet transmission, electronic storage system, or third-party service can be guaranteed to be completely secure.

10.Your Consent

By using the Website and/or by providing your information, you consent to the collection and use of the information which you have disclosed on the Website in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this Privacy Policy.

If we decide to change our Privacy Policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

11.Purposes and use for which we collect personal information

Your personal information / SPDI may be used in connection with:

• Our management and resolution of any complaint, inquiry or investigation in which you are involved;
• Any insurance claim or proposal that requires disclosure of your personal or sensitive information;
• Undertaking criminal reference and other background checks;
• For research, development, business systems and infrastructure testing, and other business purposes to assist us in providing our services to you; or
• Our direct correspondence to you.

We may also use personal information to send service-related WhatsApp communications, including claim-status notifications, customer-support responses, verification messages, and other transactional communications that are reasonably necessary to provide or administer the requested service.

12.Disclosures

We may disclose your personal information (including to trusted third parties) for the purposes for which it is primarily held or for a related secondary purpose and in some cases we may only disclose information with your consent (unless already granted). Your personal and sensitive information may be disclosed to:

• Potential and actual clients of Firm and trusted third parties;
• Our legal representatives;
• Our business partners;
• A professional association or registration body that has a legitimate interest in the disclosure of your personal and sensitive information; or
• Any person with a lawful entitlement to obtain the information.

We may also disclose or make available information to technology and communication service providers, including Meta / WhatsApp and other vendors, where necessary to deliver communications or operate our services. Such disclosures are limited to information reasonably necessary for the relevant service or purpose, subject to applicable law and contractual or platform requirements.

13.Management of personal information

At our Firm, we train our staff to respect the confidentiality of our customer’s information and the privacy of individuals. Our Firm regards breach of your privacy very seriously and any breach will result in disciplinary actions being taken, dependent upon the severity. The Firm has appointed a Privacy Officer to ensure that our management of personal information and / or SPDI is in accordance with this policy and the relevant Act.

As per the requirements of the Privacy Rules, our Firm has designated a Grievance Officer to redress your complaints, if any, with respect to processing of information in a time bound manner. The Grievance Officer shall endeavour to redress your complaints expeditiously within one month from the date of receipt of any communication in this regard from you.

14.How do we store and protect personal information?

Safeguarding the privacy of your information is important to us, whether you interact with us personally, by phone, mail, over the internet or any other electronic medium and ensure implementation of reasonable security practices and procedures to protect your personal information/SPDI. We will provide you with the names of the employees who may maintain, handle or store your personal information / SPDI as service provider on our behalf.

We and / or through our team shall hold personal information/ SPDI in a combination of secure computer storage facilities and paper-based files and other records, and take such steps as are reasonable in the circumstances to protect the personal information/ SPDI we hold from misuse, interference and loss, unauthorised access, modification or disclosure.

We retain personal information only for as long as reasonably necessary to provide our services, comply with applicable legal or regulatory obligations, resolve disputes, enforce agreements, maintain appropriate business records, and protect our legitimate interests. Retention periods may vary depending on the type of information and the purpose for which it was collected.

When personal information is no longer required, we take reasonable steps to delete, anonymise, or securely dispose of it, subject to any legal, regulatory, contractual, or legitimate business requirement to retain it.

15.How do we keep personal information accurate and up to date?

Our Firm takes such steps as are reasonable in the circumstances to ensure that the personal information it holds and discloses is accurate, up to date and complete. We recognise that the information changes frequently with changes of address and other personal circumstances. Please advise the Firm when your personal details change. Any change in your personal information / SPDI shall be updated by us after obtaining the same from you in writing.

If you have registered with our Firm via our website, you are able to review and edit your personal information at any time by logging into your account and reviewing your profile.

You may request deletion of your personal information or closure of your account by contacting our Privacy Officer or the contact address provided in this Privacy Policy. We will evaluate and process deletion requests in accordance with applicable law. Certain information may be retained where retention is required or permitted by law, for example to comply with legal or regulatory obligations, establish or defend legal claims, prevent fraud, or maintain necessary business records.

16.Enquiries & complaints

We aim to acknowledge receipt of all complaints within 10 working days, and aim to resolve all complaints within one month from the date of receipt of such complaint. This may not be possible in all circumstances depending on the contents of the complaint. In this situation, we will respond to your complaint in a reasonable time. If you are not satisfied with our response to your complaint, you may take recourse to redress your complaint as per the mechanism provided under applicable law.

17.Access

You can gain access to the personal information that we hold about you.

To make a request to access your personal information, you will need to complete an application form verifying your identity and specifying what information you require. Please contact our Privacy Officer for more details on the same. We will respond to your request within a reasonable period after the request is made and provide access to the information in the manner requested, if it is reasonable and practicable to do so.

We may impose a moderate charge in providing access. Our Privacy Officer will discuss this with you. You should also anticipate that it may take time to process your request for access as there may be a need to retrieve information from storage and review it in order to determine what information is relevant.

If we refuse to provide you with access to your personal information, we will notify you in writing of the reasons for the refusal and the process for escalation regarding this refusal.

18.Correction

You may request that we correct the personal information that we hold about you if you deem it to be inaccurate, incomplete, out-of-date, irrelevant or misleading. We will take reasonable steps under the circumstances to correct the information.

If we refuse to correct your personal information, we will notify you in writing of the reasons detailing our refusal to correct the information and the process for escalation regarding such refusal. Should we refuse, you may ask us to place with the information a statement that the information is inaccurate, incomplete, out-of-date, irrelevant or misleading and we will take such reasonable steps under the circumstances to associate the statement with your information.

If you wish to exercise your rights of correction you should contact our Privacy Officer. We will not charge you for making the request to correct your information or associating a statement. We will not be responsible for the authenticity of the personal information / SPDI provided by you.

19.Feedback

The Firm has several areas on our website where you can submit feedback, under the ‘Contact’ section. Any feedback that is submitted through this area becomes the property of the Firm. We may use this feedback, in the form of success stories or responses to surveys, for marketing purposes, or to contact for further feedback on the site.

20.Grievance Officer

In accordance with applicable law, the email id of the Grievance Officer is provided below:

21.Applicable legal framework

This Privacy Policy is intended to be read together with applicable Indian privacy, data-protection, consumer-protection, information-technology, insurance, and other laws and regulations that apply to Claims Nidan and its services from time to time. References in an earlier version of this policy to specific statutes or rules may not cover all current or future legal requirements; Claims Nidan may update such references as applicable law changes.

22.Last Updated

Last Updated: 2 October 2026