Effective Date: 31/10/2025
Last Updated: 31/10/2025

Lugrad Insurance Solutions (“we”, “our”, “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard the information you provide to us through our services, website, and communication channels.

1. Information We Collect

We may collect the following types of information:

Personal Information: Name, date of birth, contact number, email address, residential address, PAN, Aadhaar, and other identification details.

Financial Information: Income details, bank account number, credit score, and related data for insurance and loan processing.

Insurance Details: Policy numbers, insurer name, premium details, and claim history.

Technical Data: IP address, browser type, and usage information (when you visit our website or interact digitally).

2. How We Use Your Information

We use your information for the following purposes:

To process insurance quotes, proposals, and renewals.

To assist in claim support and policy servicing.

To communicate offers, policy updates, and service reminders.

To comply with legal, regulatory, and audit requirements.

To improve our services and provide personalized experiences.

We never sell or rent your information to third parties.

3. Sharing of Information

We may share information with:

Insurance Companies & Brokers: To provide quotations, underwriting, and policy issuance.

Third-party Service Providers: For customer support, payment processing, or data verification.

Government Authorities: If required by law, regulation, or court order.

All third-party partners are bound by confidentiality and data protection agreements.

4. Data Security

We implement appropriate security measures such as:

Encrypted storage and secure servers.

Restricted employee access to customer data.

Regular monitoring to prevent unauthorized access, misuse, or loss.

5. Your Rights

You have the right to:

Request access to your personal data.

Correct or update inaccurate information.

Withdraw consent for marketing communications.

Request deletion of your data (subject to legal obligations).

For any such requests, you may contact us at:
📞 9008233522
📧 [email protected]

6. Cookies & Online Tracking

If you visit our website, we may use cookies to enhance your browsing experience, analyze site traffic, and serve relevant advertisements. You can manage cookie preferences through your browser settings.

7. Policy Updates

We may update this Privacy Policy periodically. Any changes will be reflected with a new “Last Updated” date on this page.

8. Contact Us

For questions or complaints regarding this Privacy Policy or our data handling practices, please contact:

Lugrad Insurance Solutions
📍 2/94/2, Sunandha Building, Rajiv Gandhi Nagar, Bagalur, Hosur – 635103, Tamil Nadu
📞 9008233522
📧 [email protected]