This privacy policy sets out how RJM Capital Services Private Limited and Rajesh J Mehta, the developer of the mobile application RJMBimaSathi (“App”, “we”, “us”, “our”), uses and protects any information that you share when you use the RJMBimaSathi mobile application available on Google Play Store.
Developer Details:
App Name: RJMBimaSathi
Developer Name: Rajesh J Mehta
Legal Entity: RJM Capital Services Private Limited
RJM Capital Services Private Limited and Rajesh J Mehta are committed to protecting your privacy at all times. Should we ask you to provide certain information that can identify you when using the RJMBimaSathi app, you can be assured that it will be used only in accordance with this privacy statement. RJM Capital Services Private Limited may change this policy from time to time by updating this page. You should check this page periodically to ensure you are aware of any changes.
1. Purpose of RJMBimaSathi App
The RJMBimaSathi mobile application is designed to provide information and services related to Life Insurance and General Insurance products. The App facilitates insurance policy information, premium calculators, claim assistance guidance, and related financial services. We are an AMFI-registered Mutual Fund Distributor and Agent for insurance distribution as per IRDAI guidelines.
2. What We Collect
When you use RJMBimaSathi, we may collect the following information: Personal Information: Name, mobile number, email address, date of birth, gender, PAN, Aadhaar (masked), address Insurance Related Information: Policy details, nominee details, premium details that you voluntarily enter for tracking Device Information: Device ID, IP address, operating system, app version for security and analytics Location Data: We access your location only with your permission to verify your identity during Video KYC and to provide location-based insurance service centre information Image Data: When you grant permission, RJMBimaSathi may access your device’s camera or photo gallery to enable features like uploading KYC documents, policy documents, or for Video KYC verification as mandated by IRDA Usage Data: How you interact with RJMBimaSathi app for improving user experience
3. How We Use Your Information
Your personal information collected through RJMBimaSathi is used to Provide you with access to the RJMBimaSathi app’s features and functionalities. Process insurance applications, service requests, and claim intimation assistance. Complete KYC verification as per IRDAI regulations. Communicate with you about your insurance policies, renewals, and transactions. Personalise your experience within the RJMBimaSathi app. Comply with legal and regulatory requirements under IRDAI, SEBI, and other applicable laws
4. Image Data & Video KYC
Images you upload or capture within RJMBimaSathi are used solely for document verification in Video KYC and insurance application processing. We do not share your image data with third parties except with Insurance Companies, KYC Registration Agencies (KRAs), and Regulators as required by law.
5. Use of Location Data
RJMBimaSathi accesses your location only after explicit consent to verify your identity during onboarding and to show the nearest insurance branches/service centres. Location data is not stored on our servers.
6. Data Sharing & Disclosure
We do not sell your data. We may share your information with: Insurance Companies for policy issuance and servicing, IRDAI, Government, Judicial bodies when required by law, KYC Registration Agencies, Account Aggregators with your consent, IT service providers who assist us in operating RJMBimaSathi under strict confidentiality agreements
7. Data Security
We are committed to ensuring that your information is secure in RJMBimaSathi. We use 256-bit SSL encryption, one-way encrypted passwords, and host data with top-tier ISO 27001 certified hosting providers. Your data is continuously backed up. However, no method of transmission over the internet is 100% secure.8. Data Retention & Deletion
Your data is retained as long as your account is active or as needed to comply with legal obligations. You can delete your account or request deletion of personal information from within RJMBimaSathi app settings or by emailing us at info@rjmcapitalservices.com. Upon deletion, data will be removed within 30 days except where retention is required by law.
9. Links to Other Websites
RJMBimaSathi may contain links to insurance company websites or other third-party sites. We do not have control over such websites and are not responsible for their privacy practices.
10. Controlling Your Personal Information
You may request details of personal information held by us or correct any information by emailing info@rjmcapitalservices.com. We will respond within 30 days.
11. Children’s Privacy
RJMBimaSathi is not intended for individuals under 18 years of age. We do not knowingly collect data from children.
12. Compliance
RJMBimaSathi operates under the agency license of Rajesh J Mehta issued by IRDAI. We comply with IRDAI (Protection of Policyholders’ Interests) Regulations and Digital Personal Data Protection Act, 2023.
13. Grievance Officer
Name: Rajesh J Mehta
Email: info@rjmcapitalservices.com
Mobile: 9830442689
14. Risk Factors
Insurance is a subject matter of solicitation. Please read the sales brochure/policy documents carefully before concluding a sale. For investment-linked insurance plans, returns are subject to market risks. RJM Capital Services Private Limited understands that our relationship is built on trust. We have taken reasonable measures to protect the confidentiality of customer information transmitted through RJMBimaSathi. However, we shall not be liable for disclosure beyond our control or as required by law.