Privacy Policy

Last Updated: March 23, 2026

Welcome to Ashuram Insurance Expert (accessible at https://ashuraminsurance.in/). This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website or contact us for insurance-related assistance.

Ashuram Insurance Expert is the personal brand and advisory service of Ashuram Modi, an LIC Authorized Insurance Agent, based in Bhadra, Rajasthan. This website is informational and advisory in nature only. We are not an official website of Life Insurance Corporation of India (LIC), and all LIC policy terms, benefits, and conditions are governed solely by official LIC rules and documents.

We are committed to protecting your privacy and handling your personal information responsibly in accordance with applicable Indian laws, including the Information Technology Act, 2000 and related rules.

1. Introduction

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agreed to the collection and use of information in accordance with this Privacy Policy. This policy applies to all visitors, users, and individuals who contact us through the website or other communication channels.

If you do not agree with any part of this Privacy Policy, we kindly request that you do not use this website or share your personal information with us. Continued use of the website will be considered as your acceptance of the terms outlined herein.

Ashuram Insurance Expert operates as a local insurance advisory and assistance platform. Our services are primarily offered to individuals and families residing in Bhadra, Rajasthan, and nearby pin code areas ranging from 335501 to 335511.

2. Information We Collect

Ashuram Insurance Expert does not automatically collect, monitor, or store personal information of visitors browsing this website. Users can visit and explore the website without providing any personal details.

We collect personal information only when a user voluntarily contacts us for assistance, inquiry, or support related to life insurance or LIC policy-related information.

Depending on the nature of the request, the information requested may include:

• Name
• Phone number
• Email address
• City or locality

In certain cases, if a user seeks help regarding an existing life insurance policy or requires specific assistance, we may request only the minimum information necessary to understand the query and provide appropriate support.

What We Do Not Collect:

• We do not collect or request bank account details, debit/credit card information, or passwords through this website.
• We do not offer online payment facilities.
• We do not provide user account registration, login systems, or profile creation.
• We do not knowingly collect or store sensitive personal data.

3. How We Use Your Information

Any personal information shared by users is used strictly for legitimate, limited, and purpose-specific reasons. We use such information only to respond to user-initiated requests and to provide insurance-related assistance in a responsible manner.

The information may be used for the following purposes:

• Responding to inquiries: To reply to questions, clarifications, or support requests submitted by users.
• Providing insurance information: To share factual information regarding life insurance and LIC policies.
• Assistance with LIC services: To help users understand procedures related to LIC policies strictly in the capacity of an authorized agent.
• Limited follow-up: To follow up on a user’s expressed interest only where relevant.

We clearly state that personal information is never used for unsolicited marketing, promotional campaigns, mass messaging, or data profiling. We do not sell, rent, or share personal data with third parties for commercial gain.

4. Cookies and Tracking Technologies

Ashuram Insurance Expert may use basic cookies and limited website analytics tools to ensure proper functioning of the website and to understand how visitors interact with the content. The information collected through cookies does not personally identify individual users.

You may choose to accept or decline cookies through your web browser settings. Please note that disabling cookies may affect the functionality or performance of certain parts of the website.

5. Third-Party Disclosure

Ashuram Insurance Expert follows a strict policy of respecting user privacy. Personal information, if shared by a user for assistance, may be disclosed only in limited and specific circumstances, such as sharing with LIC for policy servicing or complying with legal requirements.

Ashuram Insurance Expert does not have control over, and is not responsible for, the privacy practices, content, or data usage policies of third-party websites or services.

6. Data Security

Ashuram Insurance Expert takes reasonable and appropriate measures to safeguard any personal information shared by users. We follow responsible data handling practices, including limited access controls.

However, users should be aware that no method of transmission over the internet is completely secure. While we take reasonable steps to protect your data, we cannot guarantee absolute security.

7. External Links

The website may contain links to external websites for reference. Once you click on an external link and leave our website, you are subject to the privacy policies of the respective third-party website.

8. Children’s Information

The website is intended for individuals who are 18 years of age or older. We do not knowingly collect personal information from individuals under the age of 18.

9. Consent

By accessing or using this website and voluntarily contacting us, you acknowledge that you have read and understood this Privacy Policy and provide your consent to the collection and use of information as described herein.

10. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be effective immediately upon being posted on this page with a revised "Last updated" date.

We aim to address all privacy-related queries in a reasonable and timely manner, in accordance with applicable Indian laws and ethical business practices.