Privacy Policy

1. Introduction

BimaNiti ("we", "our", "the platform") operates from India and provides insurance analysis, market research, and educational content at bimaniti.in. This Privacy Policy explains how we collect, use, and protect your personal data when you visit and interact with our website.

We take a minimal-data approach. This platform does not require user accounts, does not serve targeted advertisements, and does not sell or rent any personal information to third parties. By using this website, you agree to the practices described in this policy.

2. Information We Collect

2.1 Analytics Data

We use Umami Analytics, a privacy-respecting analytics tool self-hosted at analytics.bimaniti.in. Umami collects: page views, referrer URL, browser type, device type, operating system, screen size, language, and approximate country (derived from IP, not stored). Umami does not use cookies, does not track individual users across sessions, and does not collect any personally identifiable information.

2.2 Contact Information

If you use the contact form on our Contact page, we receive your name and email address. The form currently submits via email (mailto:) or Formspree. We retain your message and contact details only as long as necessary to respond to your enquiry.

2.3 Subscription

The email subscription form on the site collects your email address if you choose to subscribe. Currently this is a placeholder — no automated email system is active. We do not use your email for any purpose without your explicit consent.

2.4 Service Worker Cache

BimaNiti uses a service worker (sw.js) to cache pages for offline access and faster loading. This stores static copies of visited pages in your browser's cache. No personal data is transmitted or stored server-side through this mechanism.

3. How We Use Your Information

We use the information collected for the following purposes:

• To operate and maintain the website
• To understand aggregate traffic patterns and improve content
• To respond to enquiries submitted through the contact form
• To send updates or responses if you have opted in

4. Third-Party Sharing

We do not sell, rent, or trade your personal data. We use the following third-party services:

• Umami Analytics — self-hosted analytics, no data shared with external parties
• GitHub Pages — hosting provider (see GitHub's privacy statement)
• Formspree — contact form processing (if enabled; see Formspree privacy policy)

5. Data Retention

Umami analytics data is retained in aggregated form. Contact form submissions are retained only as long as needed to address the enquiry, after which they are deleted. We do not maintain a database of user information.

6. Your Rights

Under applicable Indian law (Digital Personal Data Protection Act, 2023) and international frameworks where relevant, you have the right to:

• Request access to any personal data we hold about you
• Request correction or deletion of your data
• Withdraw consent for data processing
• Lodge a complaint with the relevant data protection authority

To exercise any of these rights, contact us at contact@bimaniti.in.

7. Cookies

BimaNiti uses no tracking cookies. Umami Analytics operates without cookies. The service worker stores files in the browser cache but does not use cookies. Your browser may store standard HTTP cache files, which is normal web browser behaviour.

8. Children's Privacy

BimaNiti is not directed at individuals under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us so we can delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of the website after changes constitutes acceptance of the revised policy.

10. Contact

For questions, concerns, or requests regarding your data, email: contact@bimaniti.in