Royalcover.ai, including its online platforms and web applications owned by Analah Insurance Broking Pvt. Ltd. (“Royalcover”, “Company”, “we”, “our”, or “us”), values and respects your privacy. We are committed to safeguarding the confidentiality, integrity, and security of your personal information in compliance with applicable laws.
This Privacy Policy explains how we collect, use, share, store, and protect your information when you use our website(s), mobile applications, or services (collectively referred to as “Platform”). It also outlines your rights and choices regarding your personal information. By using our Platform, you agree to the terms of this Privacy Policy.

Legal Compliance
This Privacy Policy is published in accordance with:

• The Information Technology Act, 2000
• The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (“SPDI Rules”) as amended
• Any other applicable Indian privacy and data protection laws

Data Controller
Your personal data is collected, processed, and stored by:
Analah Insurance Broking Pvt. Ltd.
1407, B-Wing, Parinee Crescenzo, G Block, BKC, Mumbai, Maharashtra – 400051

Information We Collect
We may collect the following categories of information:
a) Personal Identifiable Information (PII)

• Name, date of birth, gender
• Contact details (email address, phone number, WhatsApp number, residential address)
• KYC information, financial details, and medical records (where applicable)

• IP address, browser type, device identifiers
• Access times, pages viewed, referring pages

• Collected only with your explicit consent for insurance-related benefits such as premium discounts and rewards

Purpose of Data Collection
We process your personal data for the following purposes:

• Responding to queries and service requests
• Processing insurance applications, policy issuance, and claims
• Facilitating enrolment as Point of Sales Persons (POS)
• Providing product knowledge, promotional offers, and relevant service updates
• Complying with legal and regulatory obligations
• Improving website functionality and user experience
• Sending policy alerts, reminders, and relevant communications

Information Sharing & Disclosure
We may share your information with:

• Authorized business partners for policy solicitation, pre/post-sale servicing, and claims processing
• Participating insurance providers (Fitness Data only with explicit consent)
• Government authorities, regulators, or courts as required by law
• In the event of a merger, acquisition, or corporate restructuring

Cookies & Tracking Technologies
We use cookies, log files, and similar technologies to:

• Enhance user experience and website performance
• Remember login preferences
• Analyze site usage for service improvements

Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes stated in this policy, or as required by applicable laws and regulatory requirements.

Security Measures
We implement appropriate technical, physical, and organizational measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
You are responsible for maintaining the confidentiality of your account credentials.

Your Rights
You have the right to:

• Access and review your personal data
• Request corrections or updates
• Withdraw consent for data processing (subject to legal requirements)
• Request deletion of your personal data where applicable

Changes to this Policy
We may update this Privacy Policy from time to time. Changes will be posted on our Platform with an updated “Last Revised” date.

Grievance Redressal
For grievances or queries regarding this Privacy Policy, contact:
Grievance Officer: Mrs. Varsha Vanjerkhede
Email: [email protected] / [email protected]
As per the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, we will acknowledge complaints within 24 working hours and resolve them within 15 days.