Smithachandran.in is owned and operated by Smitha Chandran, an independent insurance advisor based in Kerala, India, providing advisory and service support to residents of India as well as Non-Resident Indians (NRIs).
This Privacy Policy explains how personal information is collected, used, and protected when you visit this website or contact us through available communication channels.
Information We Collect
We may collect personal information voluntarily provided by you, including:
- Name
- Phone number (India or international)
- Email address
- Country of residence
- Insurance-related enquiry details
Information may be collected through:
- Website contact forms
- WhatsApp communication
- Phone calls or emails
- Standard website analytics tools
Purpose of Collection
Your information is used strictly for:
- Responding to insurance-related enquiries
- Providing advisory support, policy servicing, renewals, and claim assistance
- Communicating policy-related updates or clarifications
- Internal documentation and service improvement
We do not sell, rent, or share personal data with unauthorised third parties.
Data Sharing
Information may be shared only when required with:
- Insurance companies, strictly for proposal, servicing, or claim-related purposes
- Statutory or regulatory authorities, if legally required
Cookies and Analytics
This website may use cookies and analytics tools to understand usage patterns and improve website performance. These tools do not collect personally identifiable information unless explicitly submitted by the user.
Data Security
Reasonable administrative and technical safeguards are implemented to protect personal information. However, no internet-based transmission can be guaranteed as completely secure.
Third-Party Links
This website may contain links to third-party websites, including insurer portals. We are not responsible for the privacy practices or content of external websites.
Consent
By using this website and submitting your information, you consent to the collection and use of information as outlined in this Privacy Policy.
Updates
This Privacy Policy may be revised periodically. Changes will be reflected on this page.
Last updated: 6 January 2026