This Terms of Service explains how Arunava Talukdar ("I", "me", "my"), an independent health, term, and mutual fund insurance advisor, collects, uses, discloses, and safeguards the personal information of visitors to this website and individuals who engage my services (collectively, "you", "your"). This policy applies to information collected through this website, in-person consultations, phone calls, WhatsApp, email, and any other channel through which you interact with me in connection with insurance advisory or mutual fund distribution services.
By using this website or sharing your information with me, you agree to the practices described in this policy. If you do not agree, please do not use this website or share your personal information with me.
Depending on how you interact with me, I may collect the following categories of information:
| Category | Examples |
|---|---|
| Identity & contact details | Full name, date of birth, gender, phone number, WhatsApp number, email address, residential address |
| Government & financial identifiers | PAN, Aadhaar (last 4 digits or as legally required), bank account details, income details, where required for policy issuance or KYC |
| Health & lifestyle information | Medical history, pre-existing conditions, lifestyle habits, nominee details — collected solely for health/term insurance underwriting and shared only with the relevant insurer |
| Financial & investment details | Income range, existing policies, investment goals, risk appetite, mutual fund folio details |
| Communication data | Messages sent via the contact form, WhatsApp, email, or phone call records for service and follow-up purposes |
| Technical data | IP address, browser type, device information, pages visited, collected automatically through standard website analytics |
Your information is used only for legitimate business and service purposes, including to:
I do not sell your personal information to third parties, and I do not use your health information for advertising or profiling purposes.
As an insurance advisor and mutual fund distributor, information is collected and processed in line with applicable Indian regulations, including guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI), the Association of Mutual Funds in India (AMFI), and, where applicable, the Securities and Exchange Board of India (SEBI). Processing is carried out on one or more of the following grounds: your explicit consent, the necessity to perform a service you have requested, and compliance with a legal or regulatory obligation.
Your information is shared only where necessary to deliver the services you have requested, and only with:
Your information is never shared for unrelated third-party marketing without your explicit consent.
This website may use basic cookies and standard analytics tools to understand how visitors use the site and to improve its performance. These cookies do not collect sensitive personal, health, or financial information. You can disable cookies through your browser settings at any time; doing so may affect certain website features.
Reasonable administrative, technical, and physical safeguards are maintained to protect your information from unauthorised access, alteration, disclosure, or destruction. Sensitive documents, whether physical or digital, are stored securely and access is limited to what is necessary to serve you. However, no method of transmission or storage is completely secure, and absolute security cannot be guaranteed.
Personal information is retained only for as long as necessary to fulfil the purposes described in this policy, or as required by applicable insurance, tax, or financial regulations, whichever is longer. Once information is no longer required, it is securely deleted or anonymised.
You have the right to:
To exercise any of these rights, please reach out using the contact details below.
This website and its services are intended for individuals who are 18 years of age or older, or their legal guardians acting on their behalf (such as when purchasing a child insurance or education plan). Personal information is not knowingly collected directly from minors without the involvement of a parent or guardian.
This website may contain links to insurer or AMC websites, WhatsApp, or other third-party platforms for your convenience. This policy does not extend to those external sites, and you are encouraged to review their respective privacy policies before sharing any information.
This Terms of Service may be updated periodically to reflect changes in practices, services, or regulatory requirements. The "Last updated" date at the top of this page will reflect the most recent revision. Continued use of this website after changes are posted constitutes acceptance of the revised policy.
For any questions about this Terms of Service, or to exercise your data rights, please get in touch through any of the channels below.