Privacy Policy
Effective Date: September 24, 2026 | Last Updated: FY 2026-27
Zero Personal Data Collection Policy for Calculator Tools
At LIC Sodho (accessible at licsodho.in), we deeply value your privacy. All financial calculators—including insurance premium estimators, maturity projections, loan interest calculations, and pension schedules—execute entirely client-side within your web browser using JavaScript.
We do NOT collect, transmit, store, or sell any personal financial data you enter into our calculators, such as sum assured values, age, term selections, salary, policy numbers, Aadhaar, PAN, or contact numbers.
1. Information We Do Not Collect
Unlike many financial lead-generation portals, LIC Sodho operates purely as a free, transparent public educational utility. When utilizing our calculators:
- No phone numbers or OTP verification
- No Aadhaar or PAN card numbers
- No bank account or payment details
- No medical history or health disclosures
2. Google AdSense & Third-Party Advertising Cookies
We use Google AdSense to display advertisements that support our infrastructure and keep our calculation utilities completely free for the public.
DoubleClick DART Cookie: Google, as a third-party vendor, uses cookies to serve ads on licsodho.in. Google's use of the DART cookie enables it to serve ads to users based on their visits to this site and other websites across the Internet.
Third-party ad servers or ad networks utilize technologies such as cookies, JavaScript, or Web Beacons within their respective advertisements and links that appear on our platform. These technologies are sent directly to your browser and automatically receive your IP address to measure the effectiveness of their advertising campaigns and/or personalize the advertising content you see.
Your Advertising Opt-Out Rights:
You may opt out of personalized advertising by visiting Google's Ads Settings at https://www.google.com/settings/ads. Alternatively, you can opt out of third-party vendor cookies for personalized advertising by visiting aboutads.info.
3. Web Server Log Files
Like standard web servers, licsodho.in follows a standard procedure of utilizing log files. These files log visitors when they visit websites. The information collected by log files includes:
- Internet Protocol (IP) addresses
- Browser type and version
- Internet Service Provider (ISP)
- Date and time stamp
- Referring and exit pages
- Number of clicks to analyze trends, administer the site, and track technical anomalies
Note: This log information is not linked to any information that is personally identifiable.
4. Compliance with Indian Digital Personal Data Protection (DPDP) Act, 2023
In accordance with the Digital Personal Data Protection Act, 2023 (DPDP Act) of the Republic of India, LIC Sodho upholds the highest standards of data governance, purpose limitation, and data fiduciary principles:
Right to Access & Information
Users have the right to obtain confirmation and summaries of personal data processed, if any (such as direct email queries).
Right to Correction & Erasure
You have the right to request correction of inaccurate personal data or erasure of your email communication history with us.
Right of Grievance Redressal
You have the right to readily available grievance redressal mechanisms regarding our data handling practices.
Right to Nominate
You may nominate any other individual to exercise your rights under the DPDP Act in the event of death or incapacity.
5. Protection of Children's Privacy
Protecting the privacy of children is of paramount importance. LIC Sodho does not knowingly collect any personally identifiable information from children under the age of 18. If a parent or guardian believes that personal information has inadvertently been provided to us, please contact us immediately, and we will promptly remove such records.
6. Third-Party Links & External Sites
Our website may contain links to external websites, including official portals like LIC of India (licindia.in) or regulatory authorities like IRDAI (irdai.gov.in). Please note that we have no control over the content, privacy practices, or policies of external sites. We encourage you to review their individual privacy statements.
7. Data Protection Officer & Grievance Redressal
For any questions, clarifications, privacy requests, or grievances under the DPDP Act 2023, you can directly reach out to our designated Grievance Officer:
Grievance Redressal Desk
LIC Sodho Compliance Team
8. Consent & Policy Updates
By using our website, you hereby consent to our Privacy Policy and agree to its terms. We may periodically update this policy to reflect regulatory changes or enhancements in our technology. Any revisions will be reflected on this page with an updated effective date.