Privacy Policy

This Privacy Policy (“Policy”) explains how Insijam Private Limited (“Insijam,” “we,” “us,” or “our”) collects, uses, discloses, and protects your personal data in connection with your use of the MyInsijam mobile application and related services (the “App”).

By accessing or using the App, you acknowledge that you have read and understood this Policy and consent to the collection and use of your data as described herein.

1. Information We Collect

1.1 Personal Information You Provide

Contact Information: Full name, phone number, email, address
Identification Details: CNIC/NICOP/passport number, DOB
Financial Data: Bank details, payment cards, income
Insurance-Related Information:
- Vehicle: Registration, make/model/year, chassis/engine, claims
- Health: Medical history, prescriptions, diagnostics, hospital visits
- Travel: Itinerary, purpose, visa info
- Policy Details: Active/inactive policies, renewal, claims
Credentials: Username & encrypted password
Communication Logs: Emails, chats, voice recordings
Survey Data: AI-based surveys for recommendations or onboarding

1.2 Data Collected Automatically

Device Information: IP, device type, OS, network
Usage Data: App navigation, feature engagement, AI interactions
Location: Approximate (IP) or precise (GPS) with consent
Live Camera Input: Images/videos for damage/health analysis (not stored)
Voice Input: Transcribed voice data (anonymized if needed)
Transactional Data: Quotes, claims, purchases with timestamps
AI-Generated Outputs: Policy scoring, fraud risk, claims analysis

1.3 Data from Third Parties

Insurance Partners: Quotes, underwriting, claims
Payment Providers: Verification, reconciliation
Public Records or Lawful Sources: As permitted by law

2. How We Use Your Information

Service Delivery: Quotes, policies, claims, verification, support
Personalization & Engagement: Custom content, forms, surveys
Platform Improvement: Monitoring, AI training, UI enhancement
Communication: Updates, inquiries, marketing (with consent)
Legal & Security: Identity checks, fraud detection, legal compliance

3. Sharing Your Data

Insurance Partners
Third-Party Vendors: Hosting, analytics, AI services
Legal Authorities: When required by law
Business Transfers: Mergers, acquisitions, restructuring
With Your Consent
In Anonymized Form: For research and analytics

4. Data Security

We employ industry-standard safeguards:

Encryption: Data is encrypted during transit and at rest.
Access Controls: Role-based access, strict authentication
AI Safeguards: Ethical deployment, bias monitoring
Incident Management: Proactive breach response

Note: No system is completely immune to breaches. Use the App at your own risk.

5. Data Retention

We retain your data only as long as necessary to fulfill the purposes outlined above, meet legal obligations, or based on data sensitivity.

6. Your Rights

Depending on your jurisdiction, you may:

Access your data
Correct inaccuracies
Request deletion (“Right to be forgotten”)
Limit processing
Object to processing (e.g., marketing)
Data portability
File a complaint with authorities

7. Children’s Privacy

The App is not for users under 18. We do not knowingly collect data from minors. If suspected, we will delete it and notify you.

8. Policy Updates

We may update this Policy periodically. Material changes will be notified via the App or email. Continued use indicates acceptance.

9. Contact Us

Insijam Private Limited

📧 Email: [email protected]

🏢 Address: C 35, Rashid Minhas Road, Block 10 A, Karachi-75460, Pakistan

📞 Phone: +92 336 4858946