Privacy Policy

When you use our website, book a consultation, or contact us through any channel, we may collect the following information:

• Identity information — your name and date of birth (if relevant to insurance)
• Contact information — phone number, email address, and city/district
• Insurance or loan details — information you voluntarily share during a consultation, such as existing policies, vehicle details, income, or loan requirements
• Communication records — WhatsApp messages, emails, or call notes relevant to your enquiry
• Usage data — pages visited, time spent on our site, browser type, and device type (collected anonymously via analytics)

We use the information you provide solely to serve your needs as an insurance or loan advisory client:

• To contact you about your insurance or loan enquiry via phone, WhatsApp, or email
• To provide personalised policy comparisons, recommendations, and financial advice
• To process or support insurance applications and claims on your behalf
• To send policy renewal reminders or important updates — only if you have opted in
• To improve our website experience and understand how visitors use it

We treat your data with care and only share it in the following limited circumstances:

• Insurance companies and lenders — only when required to process an application or claim that you have explicitly requested, and only with your prior knowledge
• Regulatory compliance — if required by law, court order, or a government authority under applicable Indian regulations (e.g. IRDAI, RBI)
• Service providers — trusted third parties who help us operate our website or communication systems (e.g. email platforms), bound by confidentiality agreements

We take reasonable and appropriate measures to protect your personal information from unauthorised access, disclosure, alteration, or misuse. Our practices include:

• Storing client data on secured, access-controlled systems
• Limiting internal access to personal information to team members who need it to serve you
• Using encrypted communication channels where available

Please note that no method of data transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security of data transmitted to or from our website.

Our website may use cookies — small text files stored on your device — to improve your browsing experience. Cookies help us understand how visitors use our site so we can improve it over time.

• Essential cookies — required for basic site functionality
• Analytics cookies — help us understand page performance and visitor behaviour (collected anonymously)

You can disable or delete cookies at any time through your browser settings. Note that disabling cookies may affect certain features of our website. We do not use cookies to track your activity across other websites or for advertising purposes.

You have the following rights regarding your personal data held by Cover Credit:

• Right to access — request a copy of the personal information we hold about you
• Right to correction — ask us to correct any inaccurate or incomplete information
• Right to deletion — request that we delete your personal data, subject to any legal obligations we may have to retain it
• Right to opt out — unsubscribe from any communication at any time by contacting us directly

To exercise any of these rights, simply email or call us using the details below. We aim to respond to all requests within 7 working days.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes, we will update the "Last updated" date at the top of this page.

We encourage you to review this page periodically. Continued use of our website or services after any changes constitutes your acceptance of the updated policy. For significant changes, we will make reasonable efforts to notify you directly.

For any privacy-related questions, data requests, or concerns, please contact us: