Recapita Insurance Brokers Pvt. Ltd.
Privacy Policy
Effective Date: ---- Last Updated: 23/03/2026
1. Introduction
Recapita Insurance Brokers Pvt. Ltd. ("Recapita", "we", "us", or "our") is committed to protecting your personal data and ensuring transparency in how we process it.
This Privacy Policy describes how we collect, use, process, store, and disclose personal data when you access or use our website recapitainsurance.in, applications, and services (collectively, the "Services").
Recapita acts as a Data Fiduciary under applicable law and is responsible for ensuring that your personal data is processed lawfully and securely.
2. Legal Framework
This Privacy Policy is governed by:
The Information Technology Act, 2000
SPDI Rules, 2011
The Digital Personal Data Protection Act, 2023 ("DPDP Act")
Applicable IRDAI regulations and guidelines
3. Notice and Consent
At or before the time of collecting personal data, we provide a clear notice specifying:
What data is collected
Purpose of processing
Categories of recipients
Your rights
By providing your personal data, you give free, specific, informed, and unambiguous consent to its processing for the stated purposes.
Where required, consent is obtained through explicit actions such as:
Form submissions
Checkbox-based consent
Digital acceptance mechanisms
You may withdraw your consent at any time (see Section 10).
4. Information We Collect
4.1 Personal Data
We may collect:
Full Name
Date of Birth
Gender
Contact Information (phone, email, address)
Identification details (PAN, Aadhaar, Passport, etc.)
Insurance-related data (policy, claims, nominee details)
4.2 Sensitive Personal Data
We may collect sensitive data such as:
Financial information
Health/medical records (for underwriting/claims)
Such data is collected only with explicit consent and strictly for lawful purposes.
4.3 Automatically Collected Data
IP address
Device and browser information
Website usage data
Cookies and tracking technologies
5. Purpose Limitation and Data Minimisation
We collect and process only such personal data as is necessary and proportionate for:
Providing insurance broking services
Policy issuance, servicing, and renewal
Claims facilitation
Regulatory compliance (including IRDAI)
Fraud prevention and risk management
Improving services and user experience
We do not process personal data for purposes incompatible with those stated above.
6. Legal Basis for Processing
We process personal data based on:
Your consent
Performance of contractual obligations
Compliance with legal/regulatory obligations
Legitimate business purposes consistent with applicable law
7. Data Sharing and Disclosure
We may share your data with:
Insurance companies / insurers
Third-party administrators (TPAs)
Regulatory authorities (e.g., IRDAI)
Payment gateways and financial institutions
Technology service providers and partners
All third parties are required to process data in accordance with applicable law and contractual safeguards.
We do not sell or rent your personal data.
8. Cross-Border Data Transfers
Where personal data is transferred outside India:
Transfers will comply with applicable DPDP provisions
Data will only be transferred to permitted jurisdictions
Adequate safeguards and contractual protections will be implemented
9. Data Retention
We retain personal data:
For as long as required to fulfill stated purposes
As mandated by applicable laws and IRDAI regulations
For 5 years after termination of services, unless required otherwise
10. Your Rights and Consent Management
Subject to applicable law, you have the right to:
Access your personal data
Correct or update inaccurate data
Withdraw consent
Request erasure of data
Restrict or object to processing
Consent Withdrawal
You may withdraw consent at any time by:
Emailing: support@recapitainsurance.in
Upon withdrawal:
Processing based on consent will cease
Certain services may become unavailable
11. Cookies and Tracking Technologies
We use cookies and similar technologies to:
Ensure website functionality
Analyze usage
Improve user experience
Where required, we obtain prior consent before placing non-essential cookies.
You can manage cookie preferences via:
Cookie banner/settings
Browser controls
12. Data Security
We implement reasonable security practices, including:
Encryption and secure transmission
Role-based access controls
Secure infrastructure and firewalls
Periodic security audits
Despite safeguards, no system is completely secure.
13. Personal Data Breach Notification
In the event of a personal data breach:
We will take immediate remedial measures
Notify affected users and relevant authorities as required under applicable law
Provide necessary details and mitigation guidance
14. Children's Privacy
We do not knowingly process personal data of individuals below 18 years without verifiable parental or guardian consent.
Where such data is required (e.g., insurance policies involving minors), consent will be obtained from a parent or legal guardian.
15. Third-Party Links
Our Services may contain links to external websites. We are not responsible for their privacy practices.
16. Data Protection and Grievance Redressal
For any privacy-related concerns, complaints, or requests, you may contact:
Grievance & Data Protection Officer
Name: Amit Kumar Jain
Designation: Grievance Redressal Officer
Email: recapitainsurance@gmail.com
Phone: +91 9109232545 | +91 7554923303, Ext. 138
Address: 47, Amaltas Phase-1, Chunabhatti, Kolar Road, Bhopal, M.P. 462016
We will acknowledge and address grievances within timelines prescribed under applicable law.
You may also escalate unresolved complaints to appropriate regulatory authorities, including IRDAI, where applicable.
17. Updates to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with the updated date.
18. Contact Us
Recapita Insurance Brokers Pvt. Ltd.
Ground Floor, 10 Recapita House, Amaltas Phase-1, Chunabhatti, Kolar Road, Bhopal, M.P. 462016
Email: support@recapitainsurance.in
Phone: +91 9109231544
19. Consent
By using our Services, you confirm that you have read, understood, and agreed to this Privacy Policy and consent to the processing of your personal data in accordance with it.