This Privacy Policy explains how ShineKaro collects, uses, stores, shares and protects personal data when you use our website, mobile application and related services.
Important : ShineKaro provides policy-management tools, reminders, financial-goal assessments and AI-generated educational insights. It does not replace personalised legal, tax, insurance, investment or financial advice.
This Privacy Policy applies to the ShineKaro mobile application, shinekaro.in, and associated features, communications and support services operated by I-SHINE DIGITAL Pvt. Ltd. ("ShineKaro", "we", "us" or "our").
By using ShineKaro, you acknowledge that your personal data may be processed as described in this Privacy Policy. Where consent is required, we will seek a clear affirmative action from you.
If you voluntarily provide it, we may process limited health-related information relevant to insurance or financial-readiness assessments, such as health-cover amount, critical-illness cover or disclosed medical conditions. We request that you provide only information necessary for the selected feature.
Depending on the features you use, ShineKaro may request:
Permission access is optional unless required for a feature. You may manage permissions through your device settings.
We may collect information:
When you choose to connect your Google Account with ShineKaro, ShineKaro may access Google user data only after you provide authorization through Google's OAuth consent process.
Depending on the Google services and permissions you authorize, ShineKaro may access only the Google user data necessary to provide the requested feature. This may include information such as your Google Account identifier, name, email address and other data specifically covered by the Google API scopes displayed during authorization.
We use Google user data only to provide the user-facing functionality that you request, including:
Google user data is stored only when reasonably necessary to provide the requested ShineKaro functionality. We use appropriate technical and organisational safeguards to protect such information from unauthorised access, alteration, disclosure or misuse.
We do not sell Google user data or use it for targeted advertising, personalised advertising, retargeted advertising, creditworthiness determination, lending purposes or data brokerage.
We do not transfer Google user data to third parties except where necessary to provide the requested functionality, comply with applicable law, protect our services, or use service providers operating on our behalf under appropriate confidentiality and security obligations.
ShineKaro does not use Google user data to develop, improve or train generalized or non-personalized artificial-intelligence or machine learning models.
Where an AI-powered feature is used, Google user data is processed only when necessary to provide the specific user-requested feature and is not used for independent model training.
You may revoke ShineKaro's access to your Google Account at any time through your Google Account security settings. You may also contact us to request deletion of Google user data stored by ShineKaro, subject to applicable legal retention requirements.
Google API Limited Use: ShineKaro's use and transfer of information received from Google APIs will comply with the Google API Services User Data Policy, including the Limited Use requirements.
We may process personal data to :
We do not use your policy or financial information to make an automated decision that legally binds you or automatically approves, rejects or issues an insurance or investment product.
ShineKaro may use artificial-intelligence service providers, including Google Gemini or similar technology providers, to generate educational observations based on information you submit.
AI features may analyse :
AI-generated output may be incomplete, inaccurate or based on insufficient information. It should not be treated as a guarantee, policy recommendation, insurer commitment or substitute for professional advice. Before changing, buying, surrendering, replacing or discontinuing any policy, consult a qualified and authorised professional and review the official policy documents.
Where technically feasible, we minimise the personal information sent to an AI provider and use only the data reasonably necessary to provide the requested feature.
We retain personal data only for as long as reasonably necessary to provide the service, fulfil the purposes described in this policy, resolve disputes, enforce agreements and comply with legal obligations.
When your account is deleted, we will delete or anonymise associated personal data within a reasonable period, unless retention is required by law, necessary for fraud prevention, dispute resolution or security, or the data has been irreversibly anonymised.
Backup copies may remain for a limited period until they are overwritten through normal backup cycles.
We use reasonable administrative, technical and organisational safeguards designed to protect personal data from unauthorised access, alteration, disclosure, loss or misuse. Measures may include access controls, authentication, encryption in transit, monitoring, backups and restricted employee or service-provider access.
No online service is completely secure. Users should protect their device, login credentials and one-time passwords and should notify us promptly if they suspect unauthorised account access.
Subject to applicable law, you may request to :
Withdrawing consent will not affect processing already completed lawfully. Certain services may no longer be available if required data or permissions are withdrawn.
You may initiate deletion through the account/settings section of the ShineKaro app, where available, or by using our web deletion-request page:
https://shinekaro.in/delete-account
You may also email privacy@shinekaro.in from your registered email address or provide your registered mobile number. We may verify your identity before processing the request.
A deletion request generally covers account details, uploaded documents, goal assessments, policy data and other personal information associated with the account, subject to lawful retention exceptions described above.
ShineKaro is intended for adults who are capable of entering into a valid agreement. The app is not directed to children. Information about a child may be entered by a parent or lawful guardian solely for family financial planning. A child should not create an account or directly submit personal data.
If we learn that personal data has been submitted directly by a child without appropriate authorisation, we will take reasonable steps to delete it.
Some service providers may process data on infrastructure located outside your state or country. Where this occurs, we take reasonable steps to use providers and safeguards appropriate for the nature of the information and applicable legal requirements.
We may update this Privacy Policy to reflect changes in our services, technology, legal obligations or data practices. The updated version will be posted on this page with a revised effective date. Where required, we will provide additional notice or seek consent.
I-SHINE DIGITAL Pvt. Ltd.
Website: https://shinekaro.inPlease include your registered mobile number or email address and a clear description of your request. Do not share email policy passwords, OTPs or unnecessary sensitive documents.
ShineKaro uses the information you provide to organise policies, send reminders, assess financial goals and connect you with an advisor when requested. We do not guarantee financial outcomes, and you should seek professional advice before making policy or investment decisions.
ShineKaro | Operated by I-SHINE DIGITAL Pvt. Ltd. | © 2026 I-SHINE DIGITAL Pvt. Ltd.All rights reserved.