Effective Date: 9th June'25

App Name: RiskIQ Pulse

Developer: RiskIQ Insurance Brokers Pvt. Ltd.

1. Introduction

This Privacy Policy outlines how RiskIQ Insurance Brokers Pvt. Ltd. ("RiskIQ", "we", "our", "us") collects, uses, discloses, and protects the personal data of individuals who install and use the RiskIQ Pulse mobile application to register and operate as a Point of Sales Person (POSP) under IRDAI regulations.

2. Information We Collect

We collect the following types of data when you use our app:

a. Personal Information:

• Full Name
• Date of Birth
• PAN & Aadhaar Number
• Educational Qualification
• Mobile Number & Email
• Photograph and Signature
• Bank Details (for commission payout)

b. Device & Technical Data:

• Mobile device type, OS, and version
• IP address
• App usage behavior and crash logs

c. Location Data:

• Only used if required for verification or geo-tagging (with user consent)

3. Why We Collect Your Data

We collect your data for the following purposes:

• To register and onboard you as a certified POSP
• To conduct IRDAI-mandated training and assessments
• To verify your KYC documents
• To issue and track policies sold by you
• To generate commission reports
• To comply with applicable laws

4. How We Use & Share Your Data

Your data is securely stored and may be shared only with authorized regulatory or operational partners such as IRDAI, UIDAI, NSDL, and underwriters. We do not sell or rent your data to third parties.

5. Permissions Used in the App

• Camera & Storage: Capture photo, upload ID proofs
• Location: Required for location tagging (if applicable)
• Phone State: For device security and analytics

6. User Rights & Choices

You may access, update, or request deletion of your data. You can withdraw consent and request deactivation, subject to regulatory compliance.

7. Data Retention

Data is retained as long as necessary to meet legal, operational, or regulatory requirements.

8. Children's Privacy

This app is not intended for users under 18. We do not knowingly collect data from minors.

9. Data Security

We use encryption, secure APIs, and controlled access to protect your data. Our servers follow industry-standard protocols.

10. Updates to This Policy

We may periodically update this policy. Users will be notified of material changes via in-app notice or email.

11. Grievance Officer

Grievance Officer
RiskIQ Insurance Brokers Pvt. Ltd.
Email: grievance@riskiqinsurance.com
Phone: +91 9045550000
Jurisdiction: Mumbai, India

✅By using the RiskIQ Pulse app, you agree to the terms of this Privacy Policy.