Privacy Policy

1. Information We Collect

When you register on our platform, submit contact forms, or complete our eligibility analysis tools, we collect information that helps us assess your profiles and requirements. This includes:

• Identity Details: Full name, age, gender, date of birth, and employment status.
• Contact Details: Email address, mobile phone number, and residential city/region.
• Financial Planning Details: Income range, target investment amount, financial goals, and existing policy details if shared.
• Technical Data: IP address, device details, browser type, and interactions via tracking tools such as cookies and live support widgets (Tawk.to).

2. How We Use Your Information

We use the collected information for specific, lawful purposes:

• To perform analysis and generate regular income, wealth, or protection eligibility parameters.
• To contact you regarding personalized plan structures, illustrations, and renewal support.
• To share your requirements with our registered partner insurers or licensed brokers to facilitate official policy illustrations and documentation.
• To resolve technical queries, prevent fraudulent transactions, and improve the user experience of the PayGain website.

3. Sharing with Insurance Partners

PayGain acts as a multi-service facilitator. To provide comprehensive comparisons and fulfill official insurance strategies:

• We securely transmit your relevant details to licensed insurance brokers, companies, or IRDAI-registered partners.
• These partners utilize this data strictly to provide consultation, generate premium illustrations, and process underwriting documents.
• We do NOT sell, rent, or trade your personal information to third-party telemarketers or unauthorized advertisers.

4. Cookies and Chat Tracking

We use standard browser cookies to ensure our site operates smoothly and to track user interactions.

Our live support chat is powered by **Tawk.to**. The chat widget sets operational cookies on your device to remember chat sessions, track page views in real-time, and enable our support team to respond effectively to your eligibility and plan queries.

5. Data Security and Retention

All personal and financial details are transmitted securely using industry-standard SSL encryption. We store data in highly secure serverless databases with robust access controls.

We retain your information only as long as necessary to fulfill the analysis services, provide advisory consultations, and comply with corporate and statutory obligations.

6. Your Legal Rights

Under applicable laws, you have the right to request access to the personal data we hold about you, request corrections to inaccurate information, or withdraw your consent for future processing. To exercise these rights, please email us at [email protected].

7. Policy Updates

PayGain reserves the right to modify or update this Privacy Policy from time to time. Any changes will be posted on this page with an updated modification date. We encourage users to periodically review this policy to stay informed about how we protect their personal data.