Privacy Policy & Terms of Use

Information We Collect

Information you provide directly:

• Full name, mobile number, and email address (via lead forms and quote requests)
• Vehicle details — registration number, make, model, year, fuel type (for motor insurance quotes)
• Health details — age, pre-existing conditions, family size (for health insurance quotes)
• Policy expiry dates and insurer names (for renewal reminders)
• WhatsApp opt-in consent (for broadcast updates)

Information collected automatically:

• Browser type, device type, and operating system
• Pages visited, time spent, and links clicked on our website
• IP address and approximate geographic location
• Referral source (how you found our website)

How We Use Your Information

We use the information we collect to:

• Provide insurance quotes, advice, and policy comparisons tailored to your needs
• Contact you via WhatsApp, phone, or email with your requested information
• Send policy renewal reminders before your insurance expires
• Share updates about new insurance products, offers, and regulatory changes (only if you have opted in)
• Improve our website, tools, and services based on usage data
• Comply with applicable laws, IRDAI guidelines, and regulatory requirements
• Respond to enquiries and provide customer support

We will never use your information for purposes unrelated to insurance advisory services without your explicit consent.

Data Sharing & Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• Insurance companies: When you request a quote or wish to purchase a policy, your details are shared with the relevant IRDAI-registered insurer(s) to generate accurate premiums.
• Technology partners: We use trusted third-party tools (Google Sheets for data storage, WhatsApp Business API for communication) under strict data handling agreements.
• Legal requirements: If required by law, court order, or government authority, we may disclose your information as legally obligated.
• Business continuity: In the event of a merger or acquisition, your data may be transferred, with prior notice provided to you.

Cookies & Tracking

Our website uses cookies and similar technologies to enhance your browsing experience:

• Essential cookies: Required for the website to function correctly (e.g., keeping your calculator inputs while navigating).
• Analytics: We may use anonymised analytics to understand how visitors use our site, helping us improve content and tools.
• Preference cookies: Remember your choices (e.g., vehicle type selected in the TP calculator).

You can disable cookies in your browser settings, though some features of our website may not function properly as a result.

Your Rights

Under applicable Indian data protection law (DPDPA 2023), you have the right to:

• Access: Request a copy of the personal data we hold about you.
• Correction: Ask us to correct any inaccurate or outdated information.
• Deletion: Request that we delete your personal data, subject to legal obligations.
• Withdrawal of consent: Opt out of WhatsApp broadcasts or marketing messages at any time by messaging us "STOP".
• Grievance redressal: Lodge a complaint regarding your data with us directly.

To exercise any of these rights, contact us at info@7shieldadvisors.com or call +91 86387 15744. We will respond within 30 days.

Eligibility & Permitted Use

• You must be at least 18 years of age to use our services or purchase insurance through us.
• You agree to provide accurate, complete, and up-to-date information when filling in any forms on our website.
• You may use this website only for lawful purposes and in a manner that does not infringe on the rights of others.
• You must not attempt to gain unauthorised access to any part of our website, servers, or databases.
• Automated scraping, crawling, or data harvesting of our website content is strictly prohibited without written permission.

Disclaimer & Limitation of Liability

7 Shield Advisors LLP is an insurance advisory firm — not an insurance company. We work with multiple IRDAI-registered insurers (under respective company codes) to help clients compare and purchase suitable policies. We are not responsible for:

• Claim settlement decisions made by insurance companies.
• Changes in premium rates, policy terms, or product availability by insurers.
• Any financial loss arising from reliance on information provided on this website.
• Service interruptions, technical errors, or unavailability of the website.

Our maximum liability in any event shall not exceed the advisory fee (if any) paid by you to 7Shield Advisors in connection with the specific service in dispute.

All insurance products and premiums are subject to terms and conditions of the respective insurer. Please read the policy document carefully before purchasing.

Governing Law & Dispute Resolution

These terms are governed by and construed in accordance with the laws of India, specifically applicable laws of the state of Assam. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of Guwahati, Assam.

We encourage you to contact us first to resolve any issue amicably before initiating legal proceedings.