Introduction
Welcome to PurpleLeaf Insurance ("we", "our", "us"). We are committed to protecting your privacy and handling your personal information with transparency and care. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website purpleleafinsurance.com or use our advisory services.
By accessing our website or engaging with our services, you agree to the practices described in this Privacy Policy. If you do not agree with the terms of this policy, please do not use our website or services.
IRDAI Compliance: PurpleLeaf Insurance is registered with the Insurance Regulatory and Development Authority of India (IRDAI). We adhere to all applicable IRDAI regulations regarding the collection and use of policyholder data.
Information We Collect
We collect information that you provide directly to us, as well as information collected automatically when you use our website.
Information You Provide
- Full name, phone number, and email address when you fill out our contact or consultation form
- Age, income details, and insurance/investment preferences shared during advisory consultations
- Financial information such as annual income, existing policies, loan details, and investment goals
- Communication records including WhatsApp messages, emails, and call notes
- KYC documents (PAN, Aadhaar) required for policy or mutual fund processing collected only when necessary
Information Collected Automatically
| Data Type | What We Collect | Purpose |
|---|---|---|
| Device & Browser | Browser type, OS, screen resolution | Website optimisation |
| Usage Data | Pages visited, time spent, clicks | Improve user experience |
| IP Address | Approximate geographic location | Security & analytics |
| Cookies | Session and preference data | Functionality & analytics |
| Calculator Inputs | Values entered in our calculators | Not stored client-side only |
Note on Calculators: All calculations performed using our SIP, Lumpsum, HLV, and Health Premium calculators are processed entirely in your browser. We do not store or transmit the values you enter into any calculator.
How We Use Your Information
We use the information we collect for the following purposes:
- To respond to your consultation requests and provide personalised insurance and investment advisory services
- To compare insurance plans and mutual fund options on your behalf and present suitable recommendations
- To process policy applications, renewals, or mutual fund investments you wish to proceed with
- To provide claim assistance and coordinate with insurers or AMCs during the settlement process
- To send policy renewal reminders, portfolio updates, and relevant financial planning information
- To comply with legal obligations under IRDAI, SEBI (for MF distribution), and applicable Indian laws
- To improve our website, calculators, and service offerings based on usage patterns
- To prevent fraud and ensure the security of our services
We do not sell your personal data. Your information is used solely to provide and improve our services to you. We never sell, rent, or trade your personal information to third parties for marketing purposes.
Cookies & Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience. Cookies are small text files stored on your device.
| Cookie Type | Purpose | Duration |
|---|---|---|
| Essential Cookies | Required for basic website functionality and navigation | Session |
| Analytics Cookies | Help us understand how visitors use the website | Up to 2 years |
| Preference Cookies | Remember your settings and preferences | Up to 1 year |
| Marketing Cookies | Used to show relevant content (if enabled) | Up to 90 days |
You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website. We do not use cookies to collect sensitive financial information.
Data Security
We take the security of your personal information seriously and implement appropriate technical and organisational measures to protect it:
- SSL/TLS encryption for all data transmitted through our website
- Access controls ensuring only authorised personnel can access client data
- Regular security reviews of our systems and processes
- Secure storage of physical documents with restricted access
- Staff training on data privacy and confidentiality obligations
Important: While we implement strong security measures, no method of transmission over the internet is 100% secure. We encourage you to avoid sharing sensitive information (like OTPs, passwords, or full bank details) over email or WhatsApp.
Your Rights
You have the following rights regarding your personal information held by us:
- Right to Access: Request a copy of the personal information we hold about you
- Right to Correction: Request correction of any inaccurate or incomplete information
- Right to Deletion: Request deletion of your personal data, subject to legal and regulatory requirements
- Right to Object: Object to the use of your data for marketing communications at any time
- Right to Portability: Request your data in a machine-readable format where technically feasible
- Right to Withdraw Consent: Withdraw consent for data processing at any time (this will not affect prior lawful processing)
To exercise any of these rights, please contact us at info@purpleleafinsurance.com or call +91 93966 73337. We will respond to all requests within 30 days.
Data Retention
We retain your personal information for as long as necessary to provide our services and comply with legal obligations:
| Data Category | Retention Period |
|---|---|
| Consultation & Lead Data | 3 years from last contact |
| Active Policy / Investment Records | Duration of policy + 7 years |
| KYC Documents | As required by IRDAI / SEBI regulations (typically 5–8 years) |
| Claim Records | 10 years from claim settlement |
| Website Analytics Data | Up to 26 months |
| Marketing Communication Preferences | Until opt-out or account deletion |
After the applicable retention period, we securely delete or anonymise your information.
Third-Party Links
Our website may contain links to third-party websites including insurance company portals, IRDAI's website, fund house platforms, and payment gateways. This Privacy Policy applies only to purpleleafinsurance.com.
We are not responsible for the privacy practices or content of third-party websites. We encourage you to read the privacy policies of any third-party site you visit before providing any personal information.
Children's Privacy
Our services are intended for adults aged 18 and above. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided personal information to us, please contact us immediately and we will take steps to delete such information.
Policies for child life insurance or health floaters covering minors are always processed through a parent or legal guardian, and we collect only the adult's information for account management purposes.
Policy Changes
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will:
- Update the "Last Updated" date at the top of this page
- Notify existing clients via email or WhatsApp for material changes
- Post a notice on our website for 30 days after any significant update
Your continued use of our website or services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal data, please reach out to us:
Hyderabad, Telangana, India
We will respond to all privacy-related queries within 5 business days. For urgent matters, please call or WhatsApp us directly.