Privacy Policy

Effective Date: January 2026

1. Introduction

STAR Online Services and Trading ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

2. Information We Collect

We may collect information about you in a variety of ways:

• Personal Information: Name, email address, phone number, postal address provided through forms.
• Insurance Information: Details about your insurance needs and existing policies shared during consultations.
• Communication Records: Records of conversations and messages exchanged with our advisory service.
• Usage Data: Information about how you interact with our website, including pages visited and time spent.

3. How We Use Your Information

We use the information we collect for various purposes:

• Providing personalized insurance advisory services
• Processing your enquiries and appointment requests
• Communicating with you regarding your insurance needs
• Improving our website and service offerings
• Complying with legal and regulatory requirements

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, and destruction.

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information with insurance companies necessary to process your policies and service providers assisting with our operations.

6. Your Rights and Choices

You have the right to:

• Access your personal information
• Request correction or deletion of your data
• Opt out of marketing communications
• Withdraw consent for data processing

7. Cookies and Tracking

Our website may use cookies to enhance your browsing experience. You can control cookie settings through your browser.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of external sites.

9. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations.

10. Contact Us

Terms & Conditions

Effective Date: January 2026

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree, please do not use this service.

2. License to Use Website

STAR Online Services and Trading grants you a limited, revocable, non-exclusive license to use this website for personal, non-commercial purposes. You may not reproduce, distribute, or transmit the content without our prior written permission.

3. Disclaimer of Warranties

This website is provided on an "as-is" basis without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or reliability of any information on this website.

4. Insurance Information

The insurance information provided on this website is for educational and informational purposes only. It does not constitute a complete description of any insurance products. You should consult with us directly to discuss your specific insurance needs.

5. Policy Approval and Coverage

The final approval of any insurance policy is subject to approval by the respective insurance company. Coverage and premium rates may vary based on individual circumstances, health status, and other factors.

6. Financial Outcomes

We do not guarantee any specific financial outcomes, returns on investment, or coverage benefits. The actual benefits received depend on policy terms, conditions, and individual circumstances.

7. Communication

By providing your contact information, you consent to receive communications from STAR Online Services and Trading via phone, email, SMS, or WhatsApp regarding insurance services. You may opt out at any time.

8. Third-Party Links and Content

This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external websites.

9. Intellectual Property Rights

All content on this website is the property of STAR Online Services and Trading or its content providers. Unauthorized reproduction or modification is prohibited.

10. Limitation of Liability

In no event shall STAR Online Services and Trading be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or services.

11. User Responsibilities

You agree to use this website only for lawful purposes and in a way that does not infringe upon the rights of others or disrupt the normal flow of dialogue within our website.

12. Website Modifications

STAR Online Services and Trading reserves the right to modify, suspend, or discontinue this website and any services at any time without notice.

13. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of India, and you irrevocably submit to the exclusive jurisdiction of the courts in Palakkad, Kerala.

14. Contact for Questions