Privacy Policy

Depending on the features you use, we may collect or process the following information:

A. Account information

• Name
• Mobile number
• Email address
• Login credentials and authentication information
• Profile or avatar information

B. Customer information

Depending on the services provided through the App, this may include:

• Date of birth and family member information
• Insurance policy details, including life, health, general and vehicle-related cover
• Policy renewal information
• Loan and EMI details
• Service and support requests
• Claims-related information
• Other information voluntarily provided by the customer

C. Health information

If you voluntarily submit a Dr. BRC Clinic @ Home request, you may provide your name, health concern, duration of the issue and ongoing medicines. This information is collected only when you choose to submit the form.

D. Fitness / steps information

If you choose to use Steps Count and grant permission, the App reads step counts through your device’s supported health service and saves daily step totals to your signed-in customer account. It does not access step data without your permission.

E. Profile photos

When you set an avatar, you may choose a photo captured by your device camera, a photo from your gallery, or an available built-in avatar image.

F. Device and technical information

For app operation, security and troubleshooting, we may process technical information relevant to the feature in use, such as app and device compatibility, connectivity status, error information and a device push-notification token when you enable notifications.

G. Notification information

If notifications are enabled, the App may send task, meeting, lead follow-up, birthday, insurance renewal, EMI, Daily Essential and other service-related reminders.

The App does not collect, store or maintain users’ mutual fund portfolio, transaction or investment-account information.

Where the App provides access to mutual fund-related services, it redirects users to the relevant NJ Wealth application or website (www.njwealth.in ). Information entered or maintained directly on NJ Wealth is subject to that platform’s privacy policy and terms. Lohia Investments does not claim ownership or control over information you submit directly to NJ Wealth.

Information may be used to:

• Create and manage accounts and authenticate users
• Provide customer services and display insurance policy, loan and EMI information
• Provide renewal and due-date reminders
• Assist with claims and service requests
• Process Dr. BRC Clinic @ Home requests
• Provide step-count functionality when permission is granted
• Send relevant notifications and reminders
• Maintain and improve App functionality, troubleshoot problems and protect its security
• Comply with applicable legal and regulatory requirements

We do not use personal information for unrelated purposes unless permitted by applicable law or with appropriate consent.

The App may request camera or photo-library/gallery permission when you choose to capture or upload a profile image. These permissions are not required for general use of the App. You can manage them through your device settings.

Certain optional features involve health or fitness-related information, including Steps Count and Dr. BRC Clinic @ Home. Health information submitted through a clinic request is used to process that request. Device step-count information is accessed only if you grant the required permission and choose to sync.

We do not use health information for advertising or unrelated purposes. Information in a service request may be accessible to authorized personnel or service providers who need it to process the request. You can revoke step access in your device’s health settings; daily totals already synced to your account remain until you request their removal.

The mobile App uses push notifications for reminders and service-related events. A device notification token is registered so the relevant messages can reach your phone. Users can control notification permissions through device settings. Where you set a reminder, the App may process its date, time and reminder preference to deliver the notification.

We may provide access to personal information only where reasonably necessary to:

• Provide requested services
• Process customer, claims and healthcare service requests
• Provide technical/cloud infrastructure and deliver notifications
• Comply with applicable legal obligations
• Protect the security and integrity of our services

We do not sell personal information to third parties. Authorized employees and service providers may access information only as necessary for legitimate business or service purposes, subject to appropriate confidentiality and security requirements.

The App currently uses cloud hosting, account authentication and file storage for its services; Google sign-in when you choose it; Firebase Cloud Messaging to deliver push notifications; and your device’s Health Connect service for step counts when available and authorized. The mobile App also uses device services such as the camera or gallery only when you choose the corresponding feature.

These services may process limited information needed to provide their functionality. Mutual fund links redirect to NJ Wealth (www.njwealth.in ), where that platform’s own privacy policy and terms apply to information you enter there. We will review this section if additional third-party services are introduced.

We take reasonable technical and organizational measures to protect personal information against unauthorized access, loss, misuse, alteration or disclosure. These may include authentication, role-based access, secure transmission, restricted administrative access and cloud security controls. No electronic transmission or storage system can be guaranteed completely secure.

Authorized Lohia Investments employees may access customer information where required to provide services or perform assigned responsibilities. Access may be controlled by role and authorization level. Employees are expected to handle information responsibly and in accordance with applicable confidentiality and security requirements.

We retain information for as long as reasonably necessary to provide requested services, maintain customer records, fulfill contractual or business requirements, resolve disputes, maintain security, and meet applicable legal, regulatory or record-keeping obligations. Retention periods may vary with the information and its purpose.

You may request deletion of your account and associated personal information using the contact details below. We will process valid requests in accordance with applicable law and legitimate record-retention requirements. Some information may need to be retained for legal, regulatory, business, fraud-prevention or dispute-resolution purposes, and will be handled in accordance with this policy for the applicable period.

If an in-app account deletion facility becomes available, you may also initiate a request through the App.

Depending on applicable law, you may be able to:

• Request access to or correction of your information
• Request deletion of your information
• Withdraw permissions granted to the App, including camera, gallery and step access
• Disable notifications in device settings
• Ask how your information is processed

Send requests using the contact information below.

The App is not intended to be used independently by children. We do not knowingly collect personal information from children in violation of applicable law. If you believe a child has provided information without appropriate authorization, please contact us so we can review and take appropriate action.

We may update this policy to reflect changes in services, technology, legal requirements or privacy practices. For material changes, we may provide notice through the App, website or other appropriate means. The updated policy will show a revised effective date.

Questions, concerns, requests or complaints about this policy or your personal information can be sent to:

The App may contain links or redirects to third-party websites and applications, including NJ Wealth (www.njwealth.in ). When you use an external service, its own privacy policy and terms govern information you provide directly to it. We are not responsible for the privacy practices of third-party websites or applications.