In short: InsuOpz shares your motor insurance renewal quotations on WhatsApp and, only when you ask to proceed, connects you with a licensed insurance broking company. We do not sell insurance, we do not collect payments, we never ask for OTPs, PINs, card or bank details, and we never sell your personal data.
1. Who we are
InsuOpz is a product of Expontra Technologies Private Limited, a company incorporated in India (CIN U62099AP2026PTC125487) ("InsuOpz", "we", "us"). This policy explains how we handle personal data when you receive or reply to InsuOpz messages on WhatsApp, or visit insuopz.com. We process personal data in line with India's Digital Personal Data Protection Act, 2023 and other applicable law.
InsuOpz is not an insurer and does not sell, underwrite or issue insurance. Insurance is sold and serviced by licensed insurance broking companies ("broking partners") and issued by insurers.
2. What we collect
| Category | Examples | Source |
|---|---|---|
| Contact details | Name, mobile number, e-mail address (if provided) | The broking partner that holds your policy record |
| Vehicle and policy details | Vehicle registration number and model, current insurer, policy number, expiry date | The broking partner |
| Renewal quotations | Insurer, premium, IDV, add-ons, no-claim bonus, policy term, quote date | The broking partner and the insurers it represents |
| Conversation data | Messages you send us, your choices (such as YES, PROCEED, STOP), preferred language, delivery and read status | You, via WhatsApp |
| Renewal outcome | The option you chose, and a payment reference confirmed by the broking partner | You and the broking partner |
| Website data | Standard server logs (IP address, browser type, pages requested) kept for security | Your browser |
We do not ask for, and you should never send us, one-time passwords, PINs, card numbers, bank account details or identity document numbers. The website does not use advertising cookies or third-party trackers.
3. Why we use it
- To send you a renewal reminder and the quotations prepared for your vehicle, and to answer your questions about them.
- To connect you with the broking partner when you reply PROCEED, so it can complete your renewal.
- To hand your conversation to a human advisor when you ask, or when a question needs one.
- To respect your choices, such as your language and any request to stop messages.
- To keep records required for insurance distribution, consumer protection, tax and audit purposes, and to prevent fraud and misuse.
We rely on the consent you give by choosing to continue the conversation, on the legitimate uses permitted by law, and on our legal obligations. You can withdraw consent at any time by replying STOP.
4. Who we share it with
- The broking partner that holds your policy record. When you reply PROCEED, we share your name, mobile number, vehicle details and chosen quotation so it can contact you and complete the renewal.
- The insurer you choose, through the broking partner, to issue your policy.
- Service providers that operate our service under contract and confidentiality obligations: Meta Platforms (WhatsApp Business Platform), MSG91 (WhatsApp messaging provider), Supabase (database and application hosting, India region), Anthropic (AI model used to understand and answer questions) and Hostinger (website hosting). They may use the data only to provide their service to us.
- Authorities, where required by law or a valid legal request.
We never sell your personal data and never use it for unrelated advertising. We never share one customer's information with another customer.
5. Automated assistance
An AI model helps us understand your messages and explain your quotations in plain language. Prices, cover details and other facts come only from the quotations provided by the broking partner, and answers are checked before they are sent. Anything uncertain is passed to a human advisor, and you can ask for a person at any time by replying HUMAN. No decision about your insurance is made by the AI; you decide, and the broking partner and insurer complete the renewal.
6. How long we keep it
We keep personal data only as long as needed for the purposes above, including the period during which records must be retained under insurance, consumer-protection and tax laws. Operational logs are deleted automatically on a rolling basis. When data is no longer needed, we delete it or anonymise it.
7. How we protect it
- Data is encrypted in transit (TLS) and at rest, and hosted in India.
- Staff access requires two-factor authentication and is limited by role; sensitive actions are recorded in an append-only audit log.
- Database access is restricted with row-level security, and provider keys are stored in an encrypted vault, never in browsers.
- Payments are never handled by InsuOpz; you pay only on the broking partner's own payment page.
No system is perfectly secure. If we become aware of a personal data breach that affects you, we will notify you and the authorities as required by law.
8. Your rights and choices
- Stop messages: reply STOP at any time. Reply START to receive renewal updates again.
- Talk to a person: reply HUMAN in the chat.
- Access, correction and erasure: ask for a summary of your data, ask us to correct it, or ask us to delete it where we are not required by law to keep it.
- Nominate: you may nominate another person to exercise your rights in the event of death or incapacity.
- Grievances: raise a concern with us (see below). If you are not satisfied with our response, you may approach the Data Protection Board of India.
Write to contact@insuopz.com from, or mentioning, the mobile number we message. We may need to verify your identity before acting on a request, and we respond within the time required by law.
9. Children
InsuOpz is intended for adults who own or are responsible for a motor vehicle. We do not knowingly message or collect data from anyone under 18.
10. Changes
We may update this policy as our service or the law changes. The effective date above shows the latest version; material changes will be highlighted on this page.
11. Contact and grievances
For privacy questions, requests or complaints, contact our grievance team at contact@insuopz.com.
InsuOpz · Expontra Technologies Private Limited · India