Privacy Policy – SMR LIC SOLUTIONS

Effective Date: 2 November 2026

1. About Us

SMR LIC SOLUTIONS is an LIC advisory service operated by S.M. Ramesh in Chennai, Tamil Nadu, India. We help customers understand life insurance options, family financial protection and child education planning.

2. Information We Collect

When you contact us or submit an enquiry through our website, we may collect:

• Name
• Mobile number and email address
• Preferred contact time and communication method
• General information about your insurance or child education planning enquiry
• Information you voluntarily provide through our enquiry forms, WhatsApp or email

Please do not submit unnecessary sensitive personal information through general enquiry forms.

3. How We Use Your Information

We may use your information to:

• Respond to your enquiries and requests
• Contact you at your preferred time
• Understand your insurance and child education planning needs
• Provide relevant information and explain available insurance options
• Maintain enquiry records and improve our customer service
• Meet applicable legal and regulatory requirements

We will not use your information for unrelated purposes without an appropriate lawful basis.

4. Sharing of Information

We do not sell your personal information.

Where necessary, information may be shared with service providers supporting our website, enquiry forms, email or communication systems, or with relevant parties where required for your enquiry, with appropriate safeguards and subject to applicable law.

If you request insurance-related assistance, information may need to be provided to the relevant insurer through an appropriate process. We will explain this where applicable.

5. WhatsApp and Other Third-Party Services

If you contact us through WhatsApp, Facebook, Instagram, Google Forms or other third-party services, your information may also be processed under those platforms’ own privacy policies and terms.

Please review the privacy policies of those services before sharing information.

6. Data Security and Retention

We take reasonable steps to protect personal information from unauthorised access, disclosure, loss or misuse.

We retain information only for as long as reasonably necessary for the purposes described in this policy, or as required by applicable law and recordkeeping obligations.

7. Your Privacy Choices

Subject to applicable law, you may contact us to request access to, correction of or deletion of your personal information, or to withdraw consent where consent is the basis for processing.

We may need to retain certain records where legally required.

8. Children's Information

Our services may involve enquiries about child education planning. Parents or legal guardians should provide any information relating to children only when necessary and through an appropriate process. Please do not submit a child's sensitive personal information through a general website enquiry form.

9. Updates to This Policy

We may update this Privacy Policy when our practices or applicable requirements change. The latest version will be published on this page with its effective date.

10. Contact Us

For privacy-related questions or requests, contact:

This Privacy Policy should be read together with any applicable notices shown when you submit an enquiry or share personal information.