1. Introduction

Welcome to SumAssured.in (“SumAssured”, “we”, “us”, or “our”). We respect your privacy and are committed to protecting the information that you may provide while using our website.

This Privacy Policy explains what information may be collected when you visit or use SumAssured.in, how that information may be used, when it may be shared, and the choices available to you.

SumAssured.in provides educational and informational content relating to insurance, life insurance, LIC, personal finance, financial planning, financial calculators and related subjects.

2. Scope of This Privacy Policy

This Privacy Policy applies to information collected through:

• The SumAssured.in website.
• Articles, pillar pages and other website content.
• Financial and insurance calculators.
• Contact forms, feedback forms and other forms available on the website.
• Comments or other information voluntarily submitted by visitors.
• Cookies and similar technologies.
• Advertising and analytics technologies used on the website.

This policy does not necessarily apply to websites or services operated by third parties that may be accessible through links on SumAssured.in.

3. Information We May Collect

Depending on how you use the website, different categories of information may be collected.

3.1 Information You Voluntarily Provide

You may voluntarily provide information when you:

• Submit a contact or feedback form.
• Send us an email.
• Submit a comment.
• Participate in an online form, survey or similar feature.
• Request information or assistance.

Such information may include your name, email address, message and any other information that you choose to provide.

3.2 Information Automatically Collected

When you visit the website, certain technical information may be automatically collected by our website, hosting provider, analytics services, advertising partners or other technologies.

This may include:

• IP address.
• Browser type and version.
• Device type.
• Operating system.
• Approximate geographic location derived from technical information.
• Pages visited.
• Referring website.
• Date and time of visits.
• Time spent on pages.
• General website interaction information.

This information is generally used in aggregated or technical form to understand website performance, security and visitor behaviour.

4. How We Use Information

Information collected through SumAssured.in may be used for legitimate website and operational purposes, including:

• Providing and maintaining the website.
• Responding to questions, enquiries and feedback.
• Improving website content and usability.
• Understanding how visitors use the website.
• Improving articles, calculators and other resources.
• Detecting and preventing spam, fraud, abuse or security threats.
• Maintaining website security.
• Monitoring website performance.
• Displaying relevant advertising where applicable.
• Complying with applicable legal obligations.

We do not use information collected through the website for purposes that are materially incompatible with the purposes described in this Privacy Policy without appropriate notice or consent where required.

5. Insurance and Financial Calculators

SumAssured.in may provide calculators relating to BMI, insurance, loans, EMIs, investments, personal finance and other financial subjects.

However, some calculators or interactive tools may use third-party services, scripts, analytics or other technologies. Information submitted to such services may be governed by the privacy policies of those third parties.

Users should avoid entering highly sensitive personal, financial or identification information into calculators unless the specific tool clearly requires it and explains why.

6. Cookies and Similar Technologies

SumAssured.in may use cookies, local storage, pixels, tags and similar technologies.

Cookies are small files or pieces of information stored on your device that can help websites remember preferences, understand visitor behaviour and provide certain functionality.

Cookies may be used for:

• Essential website functionality.
• Security and fraud prevention.
• Remembering preferences.
• Website analytics.
• Understanding website traffic.
• Advertising and measuring advertising performance.

You can generally control cookies through your browser settings. Disabling certain cookies may affect the functionality or user experience of portions of the website.

7. Google AdSense and Advertising

SumAssured.in may display advertisements through Google AdSense and/or other advertising services.

Advertising providers may use cookies, device information and similar technologies to display, measure or personalise advertisements, subject to their own policies and applicable laws.

Third-party advertising providers may collect information about your visits to this and other websites in order to provide advertising and measurement services.

We do not control the information collected directly by third-party advertising providers. Their collection and use of information is governed by their respective privacy policies and terms.

8. Google Analytics and Website Analytics

SumAssured.in may use Google Analytics or similar analytics services to understand website traffic and visitor behaviour.

Analytics services may collect information such as pages viewed, approximate location, device information, browser information, traffic sources and interaction patterns.

Analytics data helps us understand which content is useful, identify technical problems and improve the overall website experience.

9. Third-Party Links

SumAssured.in may contain links to external websites, including official government websites, insurance companies, financial institutions, educational resources, social media platforms and other third-party websites.

When you leave SumAssured.in and visit another website, that website’s privacy policy and terms will apply.

We are not responsible for the privacy practices, content, security or policies of third-party websites.

10. Comments, Forms and User-Submitted Information

If you submit information through a comment, contact form, feedback form or other feature, the information you provide may be accessible to the website administrators and service providers necessary to process the submission.

Please do not submit:

• Passwords.
• Banking PINs or authentication codes.
• Credit or debit card details.
• Government identification numbers unless specifically required for a legitimate purpose.
• Highly confidential financial information.
• Any other information that you would not want to share through an online form.

11. Email Communications

If you contact us by email, we may retain your email address and message so that we can respond to your enquiry and maintain appropriate records.

We do not sell your email address to third parties.

If you voluntarily provide your email address for a specific communication or service, we may use it for that purpose and for reasonable follow-up relating to your enquiry.

12. How We Share Information

We do not sell, rent or trade personal information submitted directly to SumAssured.in for monetary consideration.

Information may nevertheless be processed or shared in limited circumstances, including with:

• Website hosting and technical service providers.
• Spam and security protection services.
• Analytics providers.
• Advertising providers.
• Email or communication service providers.
• Professional advisers where reasonably necessary.
• Government authorities or law-enforcement agencies where legally required.

Third-party service providers may process information according to their own terms and privacy policies.

13. Data Security

We take reasonable measures to protect information handled through the website against unauthorised access, misuse, alteration or disclosure.

However, no website, server, online transmission or electronic storage system can be guaranteed to be completely secure.

Therefore, while we make reasonable efforts to protect information, we cannot guarantee absolute security of information transmitted to or through the website.

14. Data Retention

We retain information only for as long as reasonably necessary for the purpose for which it was collected, to maintain legitimate business or website records, to resolve disputes, to prevent abuse, or to comply with applicable legal requirements.

Retention periods may vary depending on the nature of the information and the reason it was collected.

15. Children’s Privacy

SumAssured.in is not specifically directed toward children.

We do not knowingly request or intentionally collect personal information from children for purposes that require parental consent.

If you believe that a child has submitted personal information to us, please contact us so that we can review the situation and take appropriate action where required.

16. Your Privacy Choices and Rights

Depending on your location and applicable law, you may have certain rights concerning your personal information.

These may include the right to:

• Request information about personal data we may hold about you.
• Request correction of inaccurate information.
• Request deletion of certain personal information.
• Object to or restrict certain processing where applicable.
• Withdraw consent where processing is based on consent.
• Request information about how your information is used.

These rights may be subject to legal exceptions, technical limitations and other applicable requirements.

17. India and Applicable Privacy Laws

SumAssured.in is operated for users in India and may also be accessed by users from other countries.

We seek to handle personal information in accordance with applicable privacy and data-protection requirements, including applicable Indian laws and regulations relating to digital personal data and privacy.

Where applicable, additional rights or requirements may apply depending on the user’s location and the nature of the information involved.

18. International Visitors

Visitors from outside India should be aware that information may be processed or stored in India or in other jurisdictions where our service providers operate.

By using the website, you acknowledge that information may be processed in jurisdictions that may have different data-protection rules from those in your country.

19. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our website, technology, services, advertising arrangements or applicable laws.

When changes are made, the updated version will be published on this page with a revised “Last Updated” date.

We encourage visitors to review this page periodically.

20. Disclaimer Regarding Financial and Insurance Information

Much of the content on SumAssured.in relates to insurance, LIC, financial planning, personal finance and financial calculations.

Although we make reasonable efforts to provide useful and accurate information, information may become outdated, incomplete or subject to interpretation.

Readers should verify important information with the relevant insurer, government authority, financial institution, official document or qualified professional before making a financial or insurance decision.

Nothing in this Privacy Policy changes or replaces any separate disclaimer, terms of use or other legal notice published on SumAssured.in.

21. Contact Us

22. Acceptance of This Privacy Policy

By accessing and using SumAssured.in, you acknowledge that you have read and understood this Privacy Policy.

If you do not agree with this Privacy Policy, please discontinue use of the website.