Last Updated: 10th August 2026

Welcome to AJ Insurance (“we,” “our,” or “us”). We are committed to protecting your privacy and ensuring that your personal, financial, and health information is handled securely and responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://ajinsurance.in/, use our mobile applications, or purchase our insurance products and services.

1. Information We Collect

To provide you with comprehensive insurance coverage and services, we collect various types of information, including:

• Personal Identification Information: Name, date of birth, gender, marital status, government-issued identification numbers (e.g., Social Security Number, Aadhaar, Passport), and signature.
• Contact Information: Mailing address, email address, and phone numbers.
• Financial Information: Bank account details, credit card numbers, credit history, income details, and payment history.
• Health and Medical Information: For life and health insurance products, we may collect medical history, records from healthcare providers, prescription information, and lifestyle details (e.g., smoking or alcohol consumption habits).
• Property and Vehicle Information: For auto and property insurance, we collect vehicle identification numbers (VIN), driving records, property value, and home security details.
• Technical Data: IP address, browser type, device information, and browsing activity on our website collected via cookies and similar tracking technologies.

2. How We Use Your Information

We use the information we collect for the following business purposes:

• Underwriting and Policy Issuance: To assess risk, determine eligibility, calculate premiums, and issue insurance policies.
• Claims Processing: To evaluate, investigate, and process insurance claims efficiently and accurately.
• Customer Service: To manage your account, respond to inquiries, send policy updates, and provide premium renewal notices.
• Fraud Prevention: To detect, investigate, and prevent fraudulent claims and unauthorized transactions.
• Marketing and Offers: To send you promotional materials about new products or services that may interest you (you may opt out at any time).
• Legal Compliance: To comply with applicable laws, regulatory requirements, and court orders.

3. How We Share Your Information

We do not sell your personal information to third parties. However, we may share your information with the following entities to fulfill our services:

• Service Providers: Third-party administrators, claims adjusters, investigators, and medical professionals who assist in evaluating risks and processing claims.
• Reinsurers: Companies that provide reinsurance to help us manage our risk portfolio.
• Financial Institutions: Banks and payment processors facilitating premium collections and claim payouts.
• Regulatory and Legal Authorities: Government agencies, law enforcement, or courts when required by law, subpoena, or to protect our legal rights.
• Business Transfers: In the event of a merger, acquisition, or sale of our assets, your information may be transferred as part of the business operations.

4. Data Security

We implement robust physical, technical, and administrative security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. This includes data encryption, secure socket layer (SSL) technology, and restricted access protocols for our employees and authorized partners.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, manage your policy, process claims, and comply with legal and regulatory record-keeping obligations.

6. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Right to Access: Request a copy of the personal data we hold about you.
• Right to Correction: Request corrections to any inaccurate or incomplete information.
• Right to Deletion: Request the deletion of your personal data, subject to legal and regulatory retention requirements.
• Right to Opt-Out: Withdraw your consent for marketing communications at any time.

To exercise any of these rights, please contact us using the information provided below.

7. Use of Cookies

Our website uses cookies to enhance user experience, analyze site traffic, and personalize content. You can manage your cookie preferences through your browser settings. However, disabling certain cookies may affect the functionality of our website.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. We will notify you of any material changes by posting the updated policy on our website with a new “Last Updated” date.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact our Data Protection Officer at:

AJ Insurance

Address: 203/U Second Floor, Raghuleela Mall, Opp. Poisar depot, Kandivali (West), Mumbai – 400067 

Email: spielinsurance@gmail.com

Phone: 022 40100184