This Privacy Policy explains what information Motor Claim Expert collects when you visit motorclaimexpert.com, why we collect it, and the choices you have. We are an independent educational publication about motor-insurance claims in India, and we have written this policy in plain language to match the way we write everything else. It should be read together with our Terms & Conditions and Disclaimer.
In short: we are a content website, not an insurer or broker. We do not ask you to create an account, we do not sell your personal information, and the limited data we do handle is used to run the site, understand how it is used, and support it through advertising.
Who we are
Motor Claim Expert is owned and operated by Raju Patvekar and publishes guidance on motor-insurance claims for readers in India. If you have any question about this policy or your data, you can reach us at support@motorclaimexpert.com.
The information we collect
We keep data collection to the minimum needed to operate a useful website:
- Information you choose to give us. If you email us or use a contact form, we receive your name, email address and whatever you write. We ask you not to send sensitive personal or financial details, and we use what you send only to reply to you.
- Information collected automatically. Like most websites, our servers and tools may log standard technical data — such as your approximate location, device and browser type, the pages you view, referring links and the date and time of your visit. This is used to keep the site secure and working.
- Cookies and similar technologies. We and our service providers use cookies to make the site function, to measure how it is used, and to support advertising. You can control these — see the sections below.
We do not knowingly collect government IDs, policy numbers, bank details or other sensitive personal data, and we ask you never to submit them to us.
How we use information
We use the limited information above to operate and secure the website, to respond to your messages, to understand which content is helpful so we can improve it, and to display advertising that helps fund the free guidance we publish. We do not use it to make decisions about you, and we do not sell it.
Cookies
Cookies are small files stored on your device. We use a few categories: essential cookies that make the site work; analytics cookies that help us count visits and see how pages perform; and advertising cookies used by our ad partners (described next). You can accept or refuse non-essential cookies through your browser settings or any cookie controls shown on the site, and you can delete cookies at any time. Blocking some cookies may affect how parts of the site work.
Advertising and Google AdSense
We display advertising to support the cost of producing free educational content, and we use Google AdSense for this. In connection with serving ads:
- Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this and other websites.
- Google’s use of advertising cookies (including the DoubleClick cookie) enables it and its partners to serve ads to you based on your visits to our site and/or other sites on the internet.
- You can opt out of personalised advertising by visiting Google’s Ads Settings (adssettings.google.com), and you can opt out of some third-party vendors’ use of cookies for personalised advertising via aboutads.info or youronlinechoices.com.
Advertisements are served by these third parties and are clearly separate from our editorial content. Their presence does not mean we endorse the advertised product, and advertising never influences what we write, as explained in our Editorial Policy. For more detail, see Google’s own privacy and advertising policies at policies.google.com/technologies/ads.
Analytics
We may use analytics services (for example, a privacy-respecting analytics tool or Google Analytics) to understand how visitors use the site in aggregate — which pages are read, how people arrive, and where they run into trouble. This helps us improve our guidance. Analytics data is used in a summarised form and is not used to identify you personally.
Third-party services
Running the site involves a small number of reputable service providers — for example our hosting and content-delivery provider, our advertising and analytics partners, and email or form-handling tools. These providers process data only to perform their function for us and under their own privacy terms. We choose providers we consider trustworthy, but we do not control their independent practices.
External links
Our articles link to external resources — such as IRDAI, insurer websites, government portals and news reports — so you can verify information or take the next step. This Privacy Policy applies only to Motor Claim Expert. Once you follow a link to another site, that site’s own privacy policy governs, and we are not responsible for their content or data practices.
Your rights and choices
You are in control of your data. You can browse the site without contacting us; you can manage or refuse cookies through your browser and the ad-settings links above; and you can email support@motorclaimexpert.com to ask what personal information we hold about you, to correct it, or to ask us to delete it. We will respond to genuine requests within a reasonable time. As an India-focused publication, we handle personal data consistent with applicable Indian law, including the Digital Personal Data Protection Act, 2023, and we honour the choices the law gives you.
Children’s privacy
Motor Claim Expert is intended for adults dealing with motor-insurance matters and is not directed at children. We do not knowingly collect personal information from children. If you believe a child has provided us personal data, please contact us and we will delete it.
Data security and retention
We take reasonable measures to protect the limited information we handle, and we keep it only as long as needed for the purpose it was collected — for example, we retain support emails long enough to resolve your query and for our records. No method of transmission over the internet is completely secure, which is another reason we ask you not to send sensitive details by email.
Updates to this policy
We may update this Privacy Policy as our practices, our tools or the law change — for example, when we add or change an advertising or analytics partner. The version published on this page is the one that applies, and material changes will be reflected here. Please check back from time to time.
Contact us
If you have any question, concern or request about your privacy or this policy, write to us at support@motorclaimexpert.com. We take these messages seriously and will do our best to help.