Privacy Policy

Welcome to Ruby Insurance and Investment Agency ("Ruby", "we", "our", or "us").

We are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal data when you visit our website, contact us, or use our insurance and financial services.

We process personal data in accordance with applicable Indian laws, including the Digital Personal Data Protection Act, 2023, the Information Technology Act, 2000 (where applicable), and other relevant legal and regulatory requirements.

Personal Information

• Full Name
• Date of Birth
• Mobile Number
• Email Address
• Residential Address
• Photograph (if required)
• PAN Card
• Aadhaar (only where legally permitted)
• Driving Licence
• Voter ID
• Passport
• Insurance Policy Details

Financial Information

• Bank Account Details
• UPI ID
• Cheque Information
• Premium Payment Details
• ECS/eMandate Information

Insurance Information

• Vehicle Details
• Existing Insurance Policies
• Claims History
• Nominee Information
• KYC Documents

Technical Information

When you use our website, we may automatically collect:

• IP Address
• Browser Type
• Device Information
• Cookies
• Website Usage Data

• Provide insurance advisory services
• Process insurance proposals
• Assist in policy issuance and renewals
• Process premium payments
• Facilitate EMI or installment plans (where applicable)
• Set up eMandates or recurring payment instructions
• Assist with insurance claims
• Verify customer identity (KYC)
• Prevent fraud and unauthorized transactions
• Comply with legal and regulatory obligations
• Improve our customer service
• Send renewal reminders and important policy notifications

By submitting your personal information to Ruby Insurance and Investment Agency, you consent to the collection and use of your information in accordance with this Privacy Policy.

Where required by law, we will obtain your explicit consent before collecting sensitive personal data.

We do not sell your personal information. Your information may be shared only when necessary with:

• Insurance Companies
• Insurance Brokers
• IRDAI-regulated entities
• Banks
• Payment Gateway Providers
• eMandate Service Providers
• KYC Verification Agencies
• Government Authorities
• Law Enforcement Agencies
• Legal Advisors
• Technology Service Providers working on our behalf

Such disclosures are made only for legitimate business, contractual, or legal purposes.

We implement appropriate administrative, technical, and physical safeguards to protect your information against unauthorized access, data loss, misuse, alteration, disclosure, and cyber threats. However, no method of internet transmission or electronic storage is completely secure.

We retain your information only for as long as necessary to provide our services, maintain business records, comply with legal obligations, resolve disputes, and enforce agreements. After the retention period expires, your information will be securely deleted or anonymized where feasible.

Our website may use cookies to improve user experience, remember preferences, analyze website traffic, and enhance performance. You may disable cookies through your browser settings, although some features may not function properly.

Subject to applicable law, you may have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of personal data where legally permitted
• Withdraw consent (where processing is based on consent)
• Raise concerns regarding data processing
• Lodge a complaint with the appropriate authority if applicable

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external websites. Users are encouraged to review their respective privacy policies.

Our services are intended for individuals who are legally eligible to enter into contracts. We do not knowingly collect personal information from children without lawful authorization.

We may contact you regarding policy renewals, premium reminders, insurance offers, new products, and service updates. You may opt out of promotional communications at any time, although we may still send important service-related notifications.

We may update this Privacy Policy from time to time. The revised version will be posted on our website with the updated effective date. Continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

For questions, complaints, or requests regarding this Privacy Policy, please contact:

Ruby Insurance and Investment Agency acts as an insurance intermediary/agency and facilitates insurance-related services. Insurance policies are issued by the respective insurance companies subject to their underwriting guidelines, terms, conditions, and applicable regulations.