Privacy Policy - ConsultQ

📋 1. Introduction

ConsultQ is an insurance claim assistance and legal consultation platform operated by Neotech C & S, Neemuch, Madhya Pradesh, India at care.mycityportal.in.

We help individuals resolve insurance claim rejections, settlements, EPF, Gratuity, GST Refund, Income Tax and other legal financial matters. This Privacy Policy explains how we collect, use and protect your information.

🎯 2. Age Rating & Target Audience

ConsultQ is rated on Google Play using the IARC system. Content rating: Everyone (3+) — no violence, adult content, gambling or inappropriate material.

Target Audience: Adults 18+ — policyholders, claimants, and individuals seeking legal/insurance assistance. ConsultQ is not intended for children.

📋 Play Console: Target audience → 18 and over. Google Families Policy does not apply. No ads served. No data sold.

🔑 3. Authentication Methods

ConsultQ supports the following login methods:

Username / Email + Password — standard login
OTP (One-Time Password) — via email or mobile

All sessions are server-side with auto-expiry. Passwords stored using bcrypt hashing. CSRF protection on all forms. Rate limiting after 5 failed attempts.

📊 4. Information We Collect

The following data is collected when you use ConsultQ. All data is encrypted in transit via HTTPS.

Data Type	Details	Purpose	Shared?
Personal Info Name	Full name of user/claimant	Account & case management	No
Personal Info Email Address	Email used for login / OTP	Authentication, notifications	No
Personal Info Phone / Mobile	Contact number	Case updates, WhatsApp alerts	No
Account Info User ID / Username	Unique identifier	Login, role-based access	No
Case Data Insurance Documents	Policy details, rejection letters	Claim analysis & resolution	Only with consent
Case Data EPF/GST/IT Documents	Financial legal documents	Legal assistance	Only with consent
Device Info App Interaction Data	Login time, session activity	Security, audit logs	No
Files & Docs Complaint Drafts	Generated complaint documents	App functionality — shown to user	No
App Performance Crash Logs	Error logs, diagnostics	Analytics, app stability	No

✅ Google Play Data Safety: ConsultQ collects personal info (name, email, phone), account info (user ID), app activity (interactions), files/docs (complaint drafts — processed ephemerally), and app performance data (crash logs, diagnostics). All data encrypted in transit via HTTPS. No data sold or shared without consent. Users can request deletion at care.mycityportal.in/delete-account.php

⚖️ 3. How We Use Your Information

Analyse your insurance claim rejection and suggest resolution
Provide expert consultation on claim settlement process
Draft legal notices, complaints and appeals on your behalf
File consumer forum or IRDAI complaints if needed
Keep you informed about your case progress
Improve our services and platform

🔒 4. Confidentiality of Documents

All documents and case details you share with ConsultQ are treated as strictly confidential. We understand the sensitive nature of insurance and legal documents.

⚠️ Your policy numbers, claim details and personal documents are never shared with any third party without your explicit written consent.

🔐 5. Data Storage and Security

All data stored on secure servers at mycityportal.in
HTTPS encrypted connections for all data transmission
Password hashing using bcrypt — never stored in plain text
Role-based access — only assigned consultants access your case
Documents deleted upon case closure on request
Regular security audits and backups
Login attempt monitoring and account lockout protection

🚫 6. Data Sharing

We do not sell, trade or share your personal data or case documents with any third party, advertiser or data broker.

Data may be shared only with:

Insurance companies — only when filing your complaint or appeal
Consumer forum or IRDAI — only when you authorise legal action
Legal counsel — only if you engage our legal services

🍪 7. Cookies and Tracking

ConsultQ uses basic cookies to keep you logged in and remember your session. We may use analytics tools to understand how users navigate the platform — no personal case data is included in analytics.

✅ 8. Your Rights

Access your stored data and case history
Request correction of incorrect information
Request deletion of your account and all documents
Withdraw consent at any time
Request a copy of documents you submitted

Contact us at the details below to exercise any of these rights.

🗑️ 9. Account Deletion

Users have the right to request deletion of their account and all associated personal data.

Data	Action	Timeline
Login credentials (email, password)	🗑 Deleted	Within 7 days
Profile name, phone number	🗑 Deleted	Within 7 days
Session & account data	🗑 Deleted	Within 7 days
Case documents (uploaded files)	📁 Deleted on request	Within 14 days
Legal correspondence	📁 Retained if case active	Per legal requirement

To request account deletion:

Visit: care.mycityportal.in/delete-account.php
Or email: [email protected] with subject "Account Deletion Request"
Or call: 9425106305

⚠️ Deletion requests are processed within 7 working days. Active legal cases may require retention of correspondence as per applicable laws.

✋ 10. Disclaimer

ConsultQ provides assistance and guidance. We are not a registered law firm or licensed insurer. All legal actions and decisions remain the responsibility of the user. Our consultants provide expert guidance based on experience and applicable laws.

Results of claim settlement or legal proceedings cannot be guaranteed. Past success does not guarantee future outcomes.

📝 11. Changes to This Policy

We may update this Privacy Policy from time to time. The "Updated" date above reflects the latest revision. Continued use of ConsultQ means you accept the updated policy.

🔒 Privacy Policy