Privacy Policy for MIFS

This Privacy Policy explains how MIFS (collectively, "MIFS," "we," "us," or "our") collects, uses, shares, and protects information in connection with our services, including Pollution Under Control (PUC) certifications, broking, and various Services.

By using our services, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

We collect information necessary to provide our services and comply with regulatory requirements. The data collected depends on the specific service you are using:

Service Category	Type of Data Collected	Purpose of Collection
PUC Certification	Vehicle Registration Number, Chassis Number, Engine Number, Owner's Name, Contact Details (phone, email), and Emissions Test Results.	To issue the legally required Pollution Under Control (PUC) certificate from our PUC Center. You must Visit to our center for PUC
Services	Full Name, Address, Date of Birth, ID Proofs (Aadhaar/PAN), Vehicle Details (Make, Model, VIN), Driving History, Policy Details, and Claim History.	To process quotes, issue policies, manage renewals, and facilitate claims.
General Use	IP Address, Browser Type, Access Times, and Cookies/Tracking Data (for website usage).	To maintain, improve, and secure our website and services.

2. How We Use Your Information

We use the collected data for the following primary purposes:

• Service Provision: To deliver the specific services requested (e.g., issuing a PUC certificate, underwriting an policy, processing a loan application).
• Regulatory Compliance: To comply with legal and regulatory obligations, including KYC (Know Your Customer) requirements, anti-money laundering (AML) laws, and statutory reporting.
• Communication: To send you updates, confirmations, security alerts, and support messages, as well as reminders for renewals (, PUC).
• Security and Fraud Prevention: To verify your identity, prevent fraudulent transactions, and secure our systems.
• Marketing and Promotions: To offer you related products or services from MIFS, such as a reminder to renew your when your PUC is due. (You may opt-out of marketing communications).

3. How We Share and Disclose Your Information

We do not sell your personal information. We only share data with third parties when necessary to provide the service or meet legal obligations:

• Underwriters and Brokers: We share necessary data with companies and third-party administrators (TPAs) to obtain quotes, issue policies, and process claims.
• Government and Regulatory Bodies: We share PUC data with relevant transport and environmental authorities, and comply with all court orders and legal processes.
• Service Providers: We share data with vendors who perform services on our behalf (e.g., IT, payment processing). These parties are contractually required to protect your data.

4. Data Security

MIFS implements reasonable technical, administrative, and physical security measures designed to protect your information from unauthorized access, loss, misuse, or alteration. These measures include:

• Encryption of sensitive data during transmission.
• Secure servers and strict access controls.
• Employee training on data protection.

However, no method of transmission over the Internet is 100% secure.

5. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: The right to request copies of your personal data we hold.
• Correction/Update: The right to ask us to correct any inaccurate or incomplete information.
• Opt-Out: The right to opt-out of marketing communications.
• Withdraw Consent: The right to withdraw consent where processing is based on consent.

6. Retention of Personal Information

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, and to satisfy any legal, accounting, or regulatory requirements. Due to the nature of our regulated services, retention periods may be mandated by law (e.g., 7–10 years for records).

7. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by updating the "Last Updated" date at the top of the policy. We encourage you to review this policy periodically.

8. Contact Information

If you have any questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer at: