Privacy Policy

This Privacy Policy governs the manner in which Distroo IMF Pvt. Ltd. ("Distroo", "Company", "we", "us", or "our") collects, uses, maintains, protects, and discloses personal data collected from users (each, a "User", "Customer", or "Advisor") of the website distroo.in, our digital platforms, advisory interaction desks, and affiliated communication channels.

We are dedicated to safeguarding the privacy of our visitors and registered users in compliance with the Information Technology Act, 2000, the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and the Digital Personal Data Protection Act, 2023 (DPDP Act).

We collect information that identifies or reasonably relates to you based on your interactions with our advisory portal:

• Identity & Contact Information: Full name, verified mobile number, email address, residential city, state, postal code, and age/date of birth.
• Insurance Requirement Data: Voluntary details shared regarding life stage, coverage preferences across Life, Health, Motor, SME, or Personal Accident categories, existing policy renewal dates, and vehicle or business asset specifications.
• Advisor & Partner Applicant Details: Current profession, years of financial sales experience, educational qualifications, existing POSP/IRDAI licensing credentials, and location details submitted via our Advisor Lead Form.
• Technical & Log Data: Internet Protocol (IP) address, device identifiers, browser specifications, operating system, and navigation actions across our web portal.

Distroo collects and processes personal information strictly for legitimate purposes authorized by you, including:

• Connecting you with an accredited, local Distroo Advisor / Insurance Sales Person (ISP) to assess insurance requirements and provide customized proposal recommendations.
• Facilitating the transmission of your formal insurance proposal and KYC documentation to your chosen IRDAI-registered insurance company.
• Assisting with pre-issuance medical examination coordination, policy endorsement documentation, and renewal alerts.
• Operating our dedicated Claims & Renewals Desk to assist policyholders during emergency hospitalization and claim paperwork coordination.
• Evaluating partner applications from independent insurance agents, POSPs, and financial professionals seeking onboarding onto our distribution ecosystem.

As an Insurance Marketing Firm, Distroo acts as an intermediary facilitating advisory and distribution. Personal information is disclosed exclusively under the following circumstances:

• Tied Insurance Partners: With your explicit consent, your proposal details and KYC documents are transmitted to our tied, IRDAI-regulated insurance companies for underwriting risk assessment, premium calculation, and policy issuance.
• Designated Insurance Sales Persons (ISPs): Your contact and requirements are assigned to an authorized Distroo Advisor operating in your region to facilitate direct advisory consultation.
• Statutory & Regulatory Authorities: Where mandated by law, court orders, or official directives from the Insurance Regulatory and Development Authority of India (IRDAI), Financial Intelligence Unit (FIU-IND), or law enforcement agencies.

When individuals register via the "Join Distroo" Advisor Lead Form, we collect personal and professional data to evaluate qualifications against IRDAI Insurance Marketing Firm Regulations (2015). Verification may include checking existing agency or broker affiliations to prevent dual-licensing conflicts, coordinating requisite training modules, and facilitating partner onboarding.

Distroo employs robust administrative, technical, and physical security measures designed to protect personal data from accidental loss, unauthorized access, alteration, and disclosure:

• Encryption in transit (HTTPS/TLS) on our website and web forms.
• Role-based access controls ensuring only authorized compliance and advisory personnel have access to client proposal data.
• Hosting with reputable infrastructure providers that follow recognised information security standards.
• Periodic reviews of our security practices.

We retain personal data for only as long as necessary to fulfill the purposes outlined in this policy, service active policy inquiries, and comply with mandatory statutory recordkeeping obligations under IRDAI guidelines (including minimum 5-year retention for solicitation records and Anti-Money Laundering verification).

As a data principal under Indian data protection legislation, you possess the right to:

• Request a summary of personal data being processed by Distroo and the identities of insurers with whom your data was shared.
• Request the correction, updating, or completion of inaccurate personal records.
• Withdraw consent for optional advisory communications at any time by contacting our support desk.
• Nominate another individual to exercise your rights in the event of death or incapacity.

Distroo uses essential and performance cookies to maintain portal functionality, remember form preferences, and analyze aggregated traffic patterns. We do not use third-party tracking cookies that monitor your browsing activities across unrelated commercial websites. You may configure your browser to decline non-essential cookies at any time.

If you have questions, concerns, or grievances regarding the processing of your personal data or wish to exercise your statutory rights, please contact our designated Grievance Officer:

We will acknowledge your privacy inquiry within 48 hours and resolve verified grievances within thirty (30) business days.