Elite Next ("we", "us", "our") is committed to protecting the privacy of every visitor, customer, and partner. This Privacy Policy explains what information we collect, why we collect it, and how we use, share, and safeguard it when you interact with our website, mobile experiences, or insurance services.
1. Information We Collect
- Identity & contact data: name, mobile number, email, postal address, date of birth, gender.
- KYC data: PAN, Aadhaar (masked), driving licence, RC, passport, and similar government-issued IDs required by IRDAI/insurers.
- Policy & risk data: vehicle details, health declarations, nominee information, claim history, sum insured preferences.
- Payment data: processed by PCI-DSS compliant gateways; we do not store full card numbers or CVVs.
- Technical data: IP address, device type, browser, pages viewed, and cookies for analytics and fraud prevention.
2. How We Use Your Information
- To generate insurance quotes, issue policies, and process renewals and claims.
- To verify identity, prevent fraud, and comply with IRDAI, AML, KYC, and tax regulations.
- To contact you about your enquiry, policy servicing, claim updates, and relevant product offers.
- To improve our website, services, customer support, and personalise recommendations.
3. Sharing of Information
We share data only with parties necessary to deliver the service you requested:
- IRDAI-licensed insurance companies whose products you choose to compare or buy.
- Surveyors, hospitals, garages, and third-party administrators (TPAs) involved in claims.
- Regulators, law-enforcement, and statutory authorities where required by law.
- Technology service providers (hosting, email, SMS, analytics) under strict confidentiality.
We never sell your personal data to advertisers or unrelated third parties.
4. Data Security
We use TLS encryption in transit, encrypted databases at rest, role-based access controls, and periodic security audits. Despite reasonable safeguards, no system is 100% secure; you also play a role by keeping login credentials confidential.
5. Data Retention
Policy and KYC records are retained for the duration mandated by IRDAI and the Income Tax Act (typically 7–10 years from policy expiry). Marketing data is retained until you withdraw consent.
6. Your Rights
- Access, correct, or update your personal information at any time.
- Withdraw marketing consent by replying STOP to SMS, unsubscribing from email, or writing to us.
- Request deletion of data not required by law to be retained.
7. Cookies
We use first-party and analytics cookies to remember preferences and measure site performance. You can disable cookies in your browser, but some features (login, quote forms) may not function correctly.
8. Grievances
For any privacy concern, write to our Grievance Officer at grievance@elitenext.in. We respond within 15 working days as per IRDAI guidelines.
9. Updates
We may revise this policy from time to time. Material changes will be communicated via email or a prominent notice on this website. Continued use of our services after such updates constitutes acceptance.