This website is not affiliated with or endorsed by Life Insurance Corporation of India (LIC). The information is for educational purposes only. This site is independently operated and is not affiliated with LIC. Data sourced from LIC’s official brochures. Visit the official LIC website https://licindia.in/ to get all the updated and official details. All trademarks, including “LIC,” belong to their respective owners. The calculators provided here are unofficial and should not be treated as official LIC tools or financial advice.
Privacy Policy
Last Updated: January 07, 2025
1. Introduction
InsuranceCalculators.net (“we,” “our,” or “us”) is an independent platform that provides educational tools and resources for understanding life insurance policies, including those offered by the Life Insurance Corporation of India (LIC).
We are not affiliated with or endorsed by LIC or any other insurer. This Privacy Policy explains how we collect, use, store, and protect information when you visit our website (“Site”). By using our Site, you agree to this policy.
2. Information We Collect
a. Personal Information
We do not require or collect personal information such as your name, email address, or phone number for using our calculators or browsing our content.
b. Non-Personal Information
We may automatically collect certain non-personal information, including:
- IP address (for location analytics)
- Browser type and version
- Device type and operating system
- Pages visited and time spent
- Referring/exit pages
- Cookie data (see Section 6)
3. How We Use This Information
We use non-personal information to:
- Improve the functionality and accuracy of our calculators
- Optimize the layout and user experience
- Analyze trends and user behaviour
- Detect and prevent security threats
- Measure the effectiveness of our content and advertising
4. Data Sharing and Disclosure
We do not sell or trade any personal information.
We may share non-personal information with:
- Analytics services (e.g., Google Analytics)
- Advertising partners (e.g., Google AdSense) to display relevant ads
- Service providers who help operate our Site under confidentiality agreements
We may also disclose information if required by law or to protect our rights and security.
5. Data Security
We take reasonable steps to protect non-personal data through:
- Secure server hosting
- SSL encryption for all connections
- Limited access to data by authorized personnel only
However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute protection.
6. Cookies and Tracking Technologies
a. What Are Cookies?
Cookies are small files stored in your browser to remember your preferences and improve your experience.
b. How We Use Cookies
- Essential Cookies – For basic site functions.
- Performance Cookies – For usage statistics.
- Functionality Cookies – To remember settings and preferences.
- Advertising Cookies – To serve relevant ads.
c. Managing Cookies
You can adjust your browser settings to block cookies, but some site features may not work as intended.
7. Third-Party Links
Our Site may link to third-party websites. We are not responsible for their privacy practices or content. Please review their policies before providing any information.
8. Children’s Privacy
Our Site is intended for users 18 years and older. We do not knowingly collect personal information from children. If you believe a child has provided data, contact us to have it removed.
9. Your Privacy Rights
Depending on your jurisdiction (including GDPR and CCPA), you may have rights to:
- Access and request a copy of your data
- Request correction or deletion of your data
- Object to certain processing activities
To exercise your rights, email us at [email protected].
10. International Visitors
Our services are hosted in India. By using the Site from outside India, you consent to transferring your information to our servers located in India.
11. Advertising and Affiliate Disclosure
We may display advertisements or include affiliate links. Clicking such links may redirect you to third-party sites, and we may earn a commission at no extra cost to you. This does not affect the objectivity of our tools or content.
12. Changes to This Privacy Policy
We may update this policy at any time. The “Last Updated” date will reflect changes, and continued use of the Site means you accept the revised policy.
13. Governing Law
This Privacy Policy is governed by the laws of India. Disputes shall be resolved in the courts of Bhubaneswar, Odisha, India.
14. Contact Us
If you have questions about this Privacy Policy, contact:
Email: [email protected]
Address:
InsuranceCalculators.net
Gopabandhu Nagar, Gopabandhu Nagar,
Bhubaneswar – 751008, India