iCover Policy & Claim Support Services Private Limited ("we", "us", "our") provides insurance claim support and advocacy services while maintaining strict confidentiality and security of user information.

We collect personal details such as name, contact information, address, policy documents, claim records, medical reports, and application usage data required for claim processing and service improvement.

User information is processed for claim evaluation, customer support, payment processing, regulatory compliance, real-time notifications, and platform performance enhancement.

We use industry-standard security measures including AES-256 encryption, SSL protection, firewall security, and secure servers to protect user information from unauthorized access.

All payments are processed through secure and PCI-DSS compliant payment gateway providers with encrypted transaction protection and fraud monitoring systems.

User information may be shared only with insurance companies, hospitals, payment gateway providers, and regulatory authorities when required for claim processing and legal compliance.

By using our platform, users consent to data collection, claim verification, payment processing, and communication through email, SMS, or WhatsApp notifications.

Refunds and cancellations are processed according to company policies and applicable payment gateway regulations. Duplicate or failed transactions will be reviewed and refunded where applicable.

We retain policy, claim, and payment-related information only for the required legal, regulatory, and operational purposes, after which the data is securely deleted.

Users may request access, correction, or deletion of their personal information subject to applicable legal and regulatory requirements.

We actively monitor claims, transactions, and platform activities to prevent fraud, misuse, unauthorized access, and suspicious activities.