Who we are
Suggested text: Our website address is: https://licyogakshemainsurance.com.
Effective Date: 01/05/2026
This Privacy Policy describes how information is collected, used, and protected on this website operated by Ramesh Sarode, an authorised insurance advisor associated with Life Insurance Corporation of India.
1. Who We Are
This website is owned and managed by:
Ramesh Sarode
LIC Insurance Advisor
Bengaluru, Karnataka
Phone/WhatsApp: +91 9844042396 / 7349742396
Email: yogakshemainsurance@gmail.com
This is a personal website of an authorised LIC agent and is not the official website of LIC of India.
2. Information We Collect
We may collect the following personal information when you interact with this website:
Name
Mobile Number
Email Address
Any information submitted through contact forms
Information shared via WhatsApp communication
Additionally, we may automatically collect:
IP address
Browser type and device information
Website usage data through analytics tools
3. How We Use Your Information
Your information is used for the following purposes:
To respond to your inquiries and provide insurance-related services
To assist you with LIC policy information, purchase, or servicing
To communicate via phone, email, or WhatsApp
To improve website performance and user experience
4. Sharing of Information
Your personal information will not be sold or rented to third parties.
However, information may be shared:
With Life Insurance Corporation of India where necessary for policy issuance, servicing, or compliance
When required by law or regulatory authorities
5. Data Security
We take reasonable steps to protect your personal information from unauthorized access, misuse, or disclosure.
However, no online platform can guarantee 100% security.
6. WhatsApp Communication
If you choose to contact us via WhatsApp:
You consent to communication through WhatsApp
Your contact details and messages may be stored for service and follow-up purposes
7. Use of Google Analytics
This website may use tools like Google Analytics to understand visitor behavior and improve services.
These tools may collect:
Pages visited
Time spent on the website
General location data (non-personal)
You can disable cookies through your browser settings if you prefer not to be tracked.
8. Cookies Policy
This website may use cookies to:
Enhance user experience
Analyze website traffic
You can choose to disable cookies through your browser settings.
9. Consent
By using this website, you agree to the terms of this Privacy Policy and consent to the collection and use of
your information as described.
10. Updates to This Policy
This Privacy Policy may be updated from time to time. Changes will be posted on this page with an updated effective date.
11. Contact Us
If you have any questions about this Privacy Policy, you may contact:
Ramesh Sarode
Phone/WhatsApp: +919844042396
Email: yogakshemainsurance@gmail.com
Terms & Conditions
Effective Date: 01/05/2026
Welcome to the website of Ramesh Sarode, an authorised insurance advisor associated with Life Insurance Corporation of India.
By accessing and using this website, you agree to the following Terms & Conditions.
1. General Information
This website is intended to provide general information about life insurance products and services offered through LIC.
This is a personal website of an authorised LIC agent and is not the official website of LIC of India.
2. No Financial Advice Guarantee
The content on this website:
Is for informational purposes only
Should not be considered as financial, legal, or investment advice
Users are advised to:
Consult directly before making any decision
Review official LIC policy documents
3. Product Information
All insurance plans are subject to terms and conditions of LIC
Benefits, features, and eligibility may vary
Final decisions depend on LIC underwriting and approval
4. Third-Party Links
This website may include links to:
LIC official website
External tools (like Calendly, WhatsApp)
We are not responsible for:
Content on external websites
Their privacy practices
5. User Responsibility
By using this website, you agree:
To provide accurate information
Not to misuse or attempt unauthorized access
6. Limitation of Liability
Ramesh Sarode will not be held responsible for:
Any loss arising from reliance on website content
Delays or decisions made based on the information provided
7. Changes to Terms
These Terms may be updated at any time without prior notice. Continued use of the website means you accept the updated terms.
8. Jurisdiction
These terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of Bengaluru, Karnataka.
Disclaimer
Effective Date:01/05/2026
This website is owned and operated by Ramesh Sarode, an authorised insurance advisor of Life Insurance Corporation of India.
1. Not an Official LIC Website
This is not the official website of LIC of India.
It is a personal digital platform created to provide information and assist clients
For official details, users should refer to LIC’s official website
2. Information Accuracy
While every effort is made to provide accurate and updated information:
No guarantees are made regarding completeness or accuracy
Information may change without notice
3. No Binding Offer
This website does not constitute an offer or contract
Insurance policies are subject to LIC’s official terms and approval
4. No Investment Guarantee
Insurance products are subject to market and policy conditions (where applicable)
Returns, bonuses, and benefits are not guaranteed unless explicitly stated by LIC
5. Communication Disclaimer
Any communication via phone, email, or WhatsApp is for assistance purposes only
Final policy details will be as per official LIC documentation
6. External Tools & Platforms
This website may use:
Google Analytics
Calendly
We are not responsible for:
Their data policies
Service interruptions or issues