Privacy Policy

Last updated: 2026

Binay Insurance Financial Service ("we", "us", "our"), operated by Binay Kumar, is committed to protecting the privacy of everyone who contacts us or uses this website. This Privacy Policy explains what personal information we collect, how we use and protect it, whom we share it with, and the choices and rights available to you. By using this website or our services, you agree to the practices described here.

1. Information we collect

Depending on how you interact with us, we may collect the following categories of information:

• Contact details — your name, phone number, email address and postal address.
• Enquiry details — information you share about the insurance or financial service you are interested in, such as the type of cover, budget or goals.
• Policy & financial information — details required to assess, recommend, apply for or service a policy or investment (for example age, family details, nominee details, and existing policies), provided by you or with your consent.
• Communication records — messages, call notes and correspondence exchanged with us.
• Technical data — basic, non-identifying information your browser sends when you visit this website, such as device or browser type, used only to keep the site working properly.

2. How we collect information

We collect information directly from you when you call, message or email us, fill in the callback or enquiry form on this website, meet us in person, or submit documents for a policy or investment. We only collect what is reasonably necessary to respond to you and to provide the services you request.

3. How we use your information

• To respond to your enquiries and provide advice, quotes and services you request.
• To recommend and arrange suitable insurance and financial products.
• To assist with applications, documentation, renewals, servicing and claims.
• To communicate with you about your enquiry, policies or important updates.
• To meet legal, regulatory and record-keeping obligations.

4. Consent

We process your personal information based on the consent you give when you approach us or submit your details, and to the extent needed to provide the services you ask for or to comply with the law. You may withdraw your consent at any time by contacting us, though this may limit our ability to provide certain services.

5. Sharing and disclosure

We do not sell or rent your personal information. We may share it only where necessary:

• With insurance companies, mutual fund houses and financial institutions to obtain quotes, process applications, service your policy or settle claims.
• With regulatory authorities, or where disclosure is required by law, court order or a legitimate legal request.
• With trusted service providers who assist our operations, under an obligation to keep your information confidential.

6. Data retention

We keep your personal information only for as long as needed to fulfil the purposes described in this policy, to maintain our business and client records, and to comply with applicable legal and regulatory requirements. When information is no longer required, we take reasonable steps to delete or anonymise it.

7. Data security

We take reasonable technical and organisational measures to protect your information against unauthorised access, alteration, disclosure or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Your rights

Subject to applicable law, you may:

• Ask what personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your information where it is no longer required.
• Withdraw consent or ask us to stop contacting you.

To exercise any of these rights, contact us using the details below.

9. Cookies

This website may use minimal cookies or similar technologies to help the site function and to understand basic usage. You can control or disable cookies through your browser settings; some features may not work as intended if cookies are disabled.

10. Third-party links

This website may contain links to third-party websites, such as insurers or fund houses. We are not responsible for the privacy practices or content of those websites. We encourage you to read their privacy policies before sharing any information.

11. Children's privacy

Our services are intended for individuals who are 18 years of age or older. We do not knowingly collect personal information from children except as part of a policy arranged by a parent or guardian.

12. Changes to this policy

We may update this Privacy Policy from time to time. The latest version will always be posted on this page with a revised "Last updated" date. Please review it periodically.

13. Grievance & contact

If you have any questions, requests or concerns about this Privacy Policy or how your information is handled, please contact:

Binay Kumar
Binay Insurance Financial Service
Chakaram, Ps-Buddha Colony, Po- GPO, Patna, Bihar 800001
Phone: 7903064449
Email: binaykumar2128@gmail.com

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