1. Introduction
NRM InsuranceOnline ("we", "our", or "us") operates this website as an educational platform. This policy outlines how we collect, use, and protect your personal information. By using our website, you agree to this policy.
2. Information We Collect
A. Non-Personal Data
We automatically collect:
- Browser type & device information
- IP address (anonymized)
- Pages visited and session duration
- Referring website (via cookies)
B. Voluntary Data
If you:
- Contact us via email
- Submit calculator inputs (not stored)
- Request study materials
We may collect:
- Name
- Email address
- Professional designation (optional)
3. How We Use Information
| Purpose | Legal Basis |
|---|---|
| Provide calculator tools | Legitimate interest |
| Respond to inquiries | Contractual necessity |
| Improve user experience | Consent (via cookie banner) |
| Analyze website traffic | Legitimate interest |
Note: No sensitive financial/insurance data is collected through our calculators.
4. Data Protection
We implement:
- SSL encryption
- Regular security audits
- Limited data retention (emails deleted after 1 year of inactivity)
5. Third-Party Services
We use:
- Google Analytics (anonymous traffic data)
- Bootstrap CDN (website styling)
- Email providers (for contact requests)
All third parties comply with GDPR/CCPA regulations.
6. User Rights
You may:
- ✅ Request access to your data
- ✅ Correct inaccuracies
- ✅ Delete your information
- ✅ Opt-out of communications
Contact: privacy@nrminsuranceonline.com
7. Policy Updates
Changes will be posted here with updated "Last Revised" dates. Continued use constitutes acceptance.