Last Updated: January 07, 2025
Welcome to LICCalculator.in (“we,” “our,” or “us”). Your privacy is paramount to us, and we are committed to safeguarding your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you visit our website www.liccalculator.in (“Site”). By accessing or using our Site, you agree to the practices described in this policy.
1. Introduction
LICCalculator.in is an independent platform dedicated to providing detailed information and accurate calculations related to LIC (Life Insurance Corporation) policies. We are not affiliated with or endorsed by LIC in any manner. Our mission is to deliver comprehensive LIC policy details enhanced with additional features, without requiring you to provide personal information.
2. Information We Collect
a. Personal Information
We do not collect any personal information from you. When using our calculator tool, you are not required to provide personal details such as your name, email address, phone number, or any other identifiable information.
b. Non-Personal Information
While we do not collect personal information, our Site may automatically gather certain non-personal information when you visit, including:
- IP Address: To determine the geographical location of our users.
- Browser Type and Version: To ensure compatibility and optimize user experience.
- Device Information: Such as operating system and device type.
- Usage Data: Information about how you interact with our Site, including the pages you visit and the time spent on each page.
- Cookies and Tracking Technologies: To enhance functionality and provide a better user experience (see Section 6 for more details).
3. How We Use Your Information
Since we do not collect personal information, we use the non-personal data solely for the following purposes:
- Improving Our Services: To enhance the functionality and performance of our calculator tool and Site.
- User Experience Optimization: To customize and improve the content and layout based on user preferences and interactions.
- Analytics: To analyze usage patterns and trends to better understand our user base and improve our offerings.
4. Data Sharing and Disclosure
We respect your privacy and do not sell, trade, or otherwise transfer your personal information to outside parties. However, non-personal information may be shared with trusted third-party service providers who assist us in operating our Site, conducting our business, or serving our users, provided that these parties agree to keep this information confidential.
We may also disclose non-personal information when required by law, regulation, or legal process.
5. Data Security
We implement a variety of security measures to maintain the safety of your non-personal information. These measures include:
- Secure Servers: Hosting our Site on secure servers to protect against unauthorized access.
- Encryption: Utilizing SSL (Secure Socket Layer) encryption to secure data transmission.
- Access Controls: Restricting access to non-personal data to authorized personnel only.
While we strive to protect your information, please be aware that no method of transmission over the Internet or electronic storage is 100% secure. Therefore, we cannot guarantee absolute security.
6. Cookies and Tracking Technologies
a. What Are Cookies?
Cookies are small text files stored on your device by your web browser. They help websites remember information about your visit, which can make your experience more efficient.
b. How We Use Cookies
We use cookies and similar tracking technologies to:
- Enhance User Experience: Remember your preferences and settings.
- Analyze Site Usage: Understand how users navigate and interact with our Site to improve functionality.
- Facilitate Services: Enable essential features of our Site, such as the calculator tool.
c. Types of Cookies We Use
- Essential Cookies: Necessary for the basic functioning of our Site.
- Performance Cookies: Collect information about how you use our Site to help us improve it.
- Functionality Cookies: Allow our Site to remember the choices you make to provide a more personalized experience.
- Analytical/Tracking Cookies: Help us understand user behaviour and measure the effectiveness of our marketing efforts.
d. Managing Cookies
Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. Please note that disabling cookies may affect the functionality and user experience of our Site.
7. Third-Party Links
Our Site may contain links to third-party websites. Please be aware that we are not responsible for the privacy practices or the content of such external sites. We encourage you to read the privacy policies of any third-party websites you visit.
8. Children’s Privacy
Our Site is intended for users who are at least 18 years old. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us, and we will take steps to remove such information from our systems.
9. Your Rights
Since we do not collect personal information, there are no specific rights related to personal data. However, you have the right to:
- Access Information: Request access to non-personal information we may have collected.
- Data Correction: Request correction of any inaccurate non-personal information.
- Data Deletion: Request deletion of non-personal information, where applicable.
To exercise these rights, please contact us using the information provided in the Contact Us section below.
10. International Data Transfers
While your information may be processed in India, by using our Site, you consent to the transfer of information to our servers and databases in India and other countries where our service providers operate.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any changes by posting the new Privacy Policy on this page with an updated effective date.
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
12. Governing Law
This Privacy Policy is governed by and construed in accordance with the laws of India. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts in Bhubaneswar, India.
13. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Email: [email protected]
Address:
LICCalculator.in
Gopabandhu Nagar, Gopabandhu Nagar,
Bhubaneswar – 751008, India