Effective date: 19 July 2026 | Version: 1.0 | Last updated: 19 July 2026
This Privacy Policy explains how Vagmi Legal Ventures LLP, which owns and operates Claim Advisors and claimadvisors.in ("Claim Advisors", "we", "us" or "our"), handles personal data when you use our policyholder advocacy and claim recovery services. For data collected by us, we act as a Data Fiduciary under the Digital Personal Data Protection Act, 2023.
1. Scope
This policy covers information collected through our website, intake forms, customer portal, email, telephone and WhatsApp, and while handling a grievance with an insurer, IRDAI, the Insurance Ombudsman, consumer commissions or courts. Independent insurers, advocates and third-party websites follow their own privacy practices.
2. Data we collect
- Identity and contact data: name, mobile number, email and postal address.
- Policy and claim data: insurer, policy number, policy schedule, proposal form, insurance type, claim amount, rejection, delay or short-settlement records and complaint history.
- Supporting records: medical records, hospital bills, discharge summaries, survey reports, identity records, death certificates and correspondence relevant to the case.
- Case narrative: information you provide about the grievance.
- Payment and accounting data: information needed for fees, invoices, receipts and statutory records. Payment credentials are handled by the payment provider and are not stored by us.
- Technical data: IP address, browser, device, security logs and pages or functions used.
- Third-party records: information received from an insurer, hospital, surveyor, authority or advocate where you authorise or instruct us to obtain it.
3. Why we process data
We process data to assess case merit, communicate with you, prepare and pursue grievances, manage deadlines and documents, provide portal access, collect agreed fees, maintain security, meet legal and tax duties, and establish or defend legal claims. Core case processing is based on your consent under Section 6 of the DPDP Act, with legitimate uses relied on only where Section 7 permits. We do not sell personal data or use case information for unrelated advertising.
4. Consent and withdrawal
Consent is requested through a clear affirmative action. Medical, financial and other sensitive records are requested only where relevant. You may withdraw consent by emailing care@claimadvisors.in with "Withdraw" and your case reference. Withdrawal does not affect lawful processing already completed. Where the withdrawn consent is necessary to pursue a case, we may be unable to continue and will explain the effect.
5. Children and represented persons
Our clients must be at least 18 years old. A case may concern a minor nominee, beneficiary or dependant, or a person acting through a lawful guardian. In that situation the adult policyholder, parent or lawful guardian must provide verifiable authority and consent. We do not knowingly track children or direct targeted advertising to them.
6. Sharing and processors
We share only what is reasonably required with authorised staff, insurance experts, independent empanelled advocates, insurers and their grievance officers, IRDAI, the Insurance Ombudsman, consumer commissions or courts, and service providers supporting hosting, secure storage, communications, analytics and payments. Processors act under contractual duties. We may also disclose information where required by law or necessary to establish, exercise or defend a legal claim. We never work for the insurer in your dispute.
7. Transfers outside India
Some providers may process information outside India. Transfers are made subject to Section 16 of the DPDP Act, Rule 15 of the DPDP Rules, 2025, applicable government restrictions and contractual security safeguards.
8. Retention
Active-case information is retained while the matter is handled and through relevant limitation and appeal periods. Closed-case, financial and tax records are retained for the period reasonably needed for follow-up, disputes and statutory duties. Security logs are retained for at least one year. When retention is no longer required, information is deleted or irreversibly anonymised.
9. Security
We use reasonable safeguards including encryption in transit, protected storage, role-based access, activity logging, secure backups and periodic access review. No internet service can guarantee absolute security.
10. Your rights
You may request access to a summary of your personal data and processing, correction or completion of inaccurate data, erasure where retention is no longer required, grievance redressal, and nomination of another person to exercise rights in the event of death or incapacity. Email the Grievance Officer with your case reference. We may verify identity before acting.
11. Breach notification
If a personal data breach affects you, we will provide the notifications required by law, describe the nature and likely consequences, and explain the steps taken and those available to you. Regulatory reports will be made within applicable timelines.
12. Grievance and contact
Grievance Officer: Tanmay Sharma
Designation: Grievance Officer
Email: care@claimadvisors.in
Phone: +91 90447 90516, Monday to Saturday, 9 am to 7 pm
Registered office: 379, Sector 1, Udyan 2, Eldeco Colony, opposite Dental Hospital, Lucknow, Uttar Pradesh 226025, India.
We acknowledge grievances within 24 hours and aim to resolve them within 15 days. An unresolved data-protection grievance may be escalated to the Data Protection Board of India in the manner it prescribes.
13. Updates
We may update this policy as our services or the law change. The current version and effective date will be published here, and material changes may also be notified through email or the customer portal.