Privacy Policy for Universal Invests Mobile Application

Introduction

Universal Invests is a mobile application developed and operated by Universal Invests (Developer: Nisar Dosani). This Privacy Policy describes how we collect, use, and protect your personal information when you use the Universal Invests mobile application. By using Universal Invests, you agree to the terms outlined in this privacy policy.

1. Information We Collect

• Customer ID and login credentials
• Insurance policy information
• Device information for security purposes
• Login activity timestamps
• IP addresses for security

2. How We Use Your Information

• Provide access to your insurance policy data
• Secure your account with rate limiting
• Maintain 90-day session management
• Improve our services
• Provide customer support

3. Data Security

• All data transmitted via HTTPS encryption
• Secure credential storage using encrypted storage
• Rate limiting to prevent unauthorized access
• SQL injection protection
• 90-day automatic session expiration

4. Data Sharing

We do NOT share your personal information with third parties except:

• When required by law
• To provide the services you requested

5. Data Retention

• Session data: 90 days
• Login logs: 30 days
• Policy information: As long as your account is active

6. Your Rights

• Access your personal data
• Request data deletion
• Change your password
• Close your account

7. Contact Us

If you have any questions or concerns about this Privacy Policy or the Universal Invests application, please contact us:

• Developer: Nisar Dosani
• Organization: Universal Invests
• Email: ndoshani1@gmail.com
• Phone: +91 8905014074
• Website: https://universalinvests.com

8. Age Requirements

Universal Invests is a financial services application designed for insurance and investment management. As per legal requirements for financial services in India, this app is intended for users who are 18 years of age or older. We do not knowingly collect personal information from anyone under the age of 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at ndoshani1@gmail.com so we can take appropriate action.

9. Changes to Privacy Policy

Universal Invests (Nisar Dosani) reserves the right to update this Privacy Policy at any time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes. Continued use of the Universal Invests app after any modifications indicates your acceptance of the updated policy.

10. Consent

By using the Universal Invests mobile application, you consent to our Privacy Policy and agree to its terms.