PRIVACY POLICY
Operated by Incremint Edge Private Limited
Effective Date: 01 Aug 2026
Last Updated: 11 Aug 2026
1. Who We Are
Incremint Edge Private Limited ("Incremint", "we", "us", or "our"), CIN U67190DL2016PTC289703, registered at:
B-44, 3rd Floor, KH No. 883/28/50, Gali No. 11, Krishna Park Extn., Tilak Nagar, New Delhi – 110018, India
operates the Incremint CRM application and related platform services ("App").
Incremint is a marketing and lead-generation company operating in the financial-services industry. Incremint does not itself act as an insurance broker, does not directly sell insurance or financial products, and does not appoint or create Point of Sale Persons (POSPs).
Financial Advisors/Ambassadors and Relationship Managers ("RMs") may use the App to manage customer referrals and leads relating to insurance, mutual funds and other financial products or services. These leads may be routed to relevant licensed, authorized or appropriate partner companies, including Sonnen Insurance Broking, for further processing, advice, quotation, underwriting, renewal or completion of the customer's requirement.
Incremint receives marketing/lead-generation fees from applicable partners and may pay applicable lead fees or incentives to its Financial Advisors/Ambassadors.
The App is a single application with role-based access and may provide different functionality to:
· Financial Advisors / Ambassadors
· RMs / Incremint internal team
· Customers
2. Information We Collect
Depending on your role and use of the App, we may collect and process the following information.
2.1 Account and Login Information
We use OTP-based authentication through mobile number and/or email.
Depending on the account and onboarding process, we may collect:
· Name
· Mobile number
· Email address
· User role
· Advisor/user identifier or code
· Authentication and account-related information
Accounts may be created by authorized Incremint personnel or through applicable registration/onboarding functionality.
2.2 Customer and Lead Information
Customer and referral information may be submitted by Financial Advisors/Ambassadors, RMs or directly by customers through applicable customer-facing functionality.
Depending on the product or service, this may include:
· Customer name
· Mobile number
· Email address
· Address or other contact information where required
· Financial-product requirement details
· Policy information
· Renewal information
· Customer/member information
· Other information necessary to process a customer's referred requirement
2.3 Identity and KYC Information
Where required for a financial product or service, we may process identity and KYC information and documents, including:
· PAN information
· Aadhaar-related information
· Photographs or selfies
· Cancelled cheque images
· Identity/KYC documents
· Other documents required by the applicable product provider or partner
This information may be processed for KYC, identity verification, underwriting, application processing and related requirements.
2.4 Health and Medical Information
For applicable insurance-related requirements, the App may process health-related information provided in connection with a customer's application or referral, including:
· Pre-existing or other medical conditions
· Health-related declarations
· Age
· Gender
· Family/member relationship information
· Health-related documents
Health information is used for relevant insurance processing and underwriting purposes and may be shared with the applicable authorized partner where necessary to process the customer's requirement.
2.5 Financial and Banking Information
Depending on the applicable workflow, we may process:
Financial Advisor/Ambassador information:
· Bank account-related information
· Bank name
· Account holder name
· IFSC information
· Payout, lead-fee or incentive information
Customer information:
· Bank-related information required for applicable financial-product processing
· Financial information required for a specific application or product
The App does not operate as a general-purpose payment gateway.
2.6 Documents and Images
Users may upload or capture documents and images required for lead processing, KYC, underwriting, renewals, claims or other business processes.
The App may use the device camera for document capture or scanning where the user chooses to use that functionality.
2.7 Income and Supporting Documents
Where required for an applicable application or underwriting process, users may submit supporting documents such as:
· Income-tax returns
· Salary slips
· Other relevant financial or supporting documents
2.8 Policy, Renewal and Payout Information
We may process:
· Policy information
· Renewal dates and related information
· Renewal communications
· Lead status
· Payout amounts
· Lead fees
· Incentive or commission-related information
· Related accounting information
2.9 Communication Information
Where applicable communication functionality is used, we may process:
· WhatsApp messages
· WhatsApp media
· Message content
· Team chat messages
· File attachments
· Information relating to customer or renewal communications
2.10 AI-Assisted Voice Calls
Certain lead or renewal workflows may use AI-assisted voice calling.
Where this functionality is used, customer mobile numbers and call-related information, including applicable call transcripts, may be processed by the relevant service provider for lead or renewal communication.
2.11 Notifications and Technical Information
The App may process push-notification subscription information, such as device/browser push information, to deliver application notifications.
The current implementation does not use advertising identifiers, advertising SDKs, analytics SDKs or crash-reporting SDKs.
2.12 Optional Google Account Integration
Certain authorized RM functionality may allow a user to optionally connect a Google Account for applicable Gmail and Calendar functionality.
This integration requires the user's authorization. Information accessed through such integration is used for the functionality requested by the authorized user and is not used for advertising.
3. Information We Do Not Collect Through Device Permissions
The App does not use device GPS/location information for its core functionality.
The current implementation does not request broad access to the device's contact book.
The App does not use advertising SDKs or serve advertisements.
The App does not process card payment information or operate as a payment gateway.
4. How We Use Information
We may use personal information to:
· Create and manage user accounts
· Authenticate users
· Manage customer referrals and leads
· Process and route customer requirements
· Connect customer requirements with relevant authorized partners
· Facilitate quotation, application, underwriting and renewal workflows
· Process KYC and supporting documents
· Manage policy and renewal information
· Calculate and process applicable Financial Advisor/Ambassador payouts, lead fees or incentives
· Communicate with users and customers
· Send OTPs and service notifications
· Facilitate applicable WhatsApp communications
· Facilitate applicable AI-assisted voice calls
· Maintain CRM and operational records
· Perform internal reporting and business operations
· Support accounting and payout processing
· Protect the security and integrity of the platform
· Prevent fraud, misuse and unauthorized access
· Comply with applicable legal, regulatory and contractual requirements
5. How We Share Information
We may share relevant personal information where necessary to provide the requested service, process a customer requirement, operate the App, or comply with applicable obligations.
5.1 Financial and Insurance Partners
Customer and application information may be shared with relevant licensed, authorized or appropriate financial-product partners, including Sonnen Insurance Broking, where necessary to process a specific customer requirement.
Depending on the product, this may include information required for quotation, application processing, KYC, underwriting, policy issuance, renewal or other related services.
The relevant partner independently handles its own product/service process and applicable regulatory obligations.
5.2 Technology and Service Providers
We may use third-party technology and service providers to operate the App and related business processes, including:
· Supabase — database, authentication, backend and file storage
· CXBot/AOC Portal or applicable WhatsApp infrastructure — applicable WhatsApp communications and messaging
· Zoho Books — applicable accounting and payout-related processing
· Razorpay — public IFSC-to-bank-name lookup functionality
· Google — applicable Gmail/Calendar integration when authorized by an RM
· EIGI or applicable AI voice infrastructure — applicable AI-assisted voice calls
These providers may process information as necessary to provide their respective services.
5.3 Other Disclosures
We may disclose information where reasonably necessary to:
· Comply with applicable law or legal process
· Protect the rights, safety or security of Incremint, users or others
· Detect or prevent fraud, misuse or security incidents
· Fulfil contractual or legitimate business requirements
We do not share personal information for third-party advertising.
Customer/referral information may be shared with relevant partners specifically for processing the financial product or service requirement submitted or referred through the App.
6. Data Storage and Security
Information is stored and processed using controlled systems and cloud infrastructure used by Incremint.
We use reasonable technical and organizational safeguards designed to protect personal information from unauthorized access, misuse, loss, alteration or disclosure.
Depending on the type of information and functionality, safeguards may include:
· Role-based access controls
· Authentication controls
· Access restrictions
· Secure cloud infrastructure
· Controlled document storage
· Encrypted data transmission
· Time-limited access links for certain documents
Access to information is limited according to the user's role and business requirements.
7. Data Retention
We retain information for as long as reasonably necessary for:
· Providing and maintaining the App and related services
· Managing leads, applications, policies, renewals and payouts
· Maintaining accounting and business records
· Resolving disputes
· Preventing fraud and misuse
· Meeting legal, regulatory and contractual requirements
· Other legitimate business purposes
Certain records may be retained after an account or record is deleted where retention is reasonably necessary for legal, regulatory, accounting, security, fraud-prevention or dispute-resolution purposes.
Where information is no longer required, we will take reasonable steps to delete or securely dispose of it, subject to applicable retention requirements.
8. Account and Data Deletion
Users may request deletion of their account and associated personal information by contacting:
tech@incremint.in
Deletion requests will be reviewed and processed within 30 days, subject to applicable legal, regulatory, contractual and legitimate retention requirements.
Where certain information must be retained for legitimate reasons, such as legal compliance, accounting, security, fraud prevention or dispute resolution, that information may be retained for the applicable period.
Before the Android application is submitted to Google Play, Incremint will provide the account-deletion mechanisms required by applicable Google Play policies.
9. Your Privacy Rights
Subject to applicable law, you may contact us to:
· Request access to personal information
· Request correction of inaccurate information
· Request deletion of personal information
· Ask questions about how your information is processed
· Raise a privacy-related concern
Requests may be submitted using the contact information provided below.
10. Children's Privacy
The App is not directed at children.
The App is primarily intended for adults and business users involved in financial-product referrals, customer service, CRM and related business activities.
Where a minor is included as a dependent or family member in a customer's financial or insurance application, relevant information may be provided by or through the parent, guardian or authorized applicant for the applicable application process.
11. Advertising
The current Incremint CRM implementation does not use advertising SDKs or serve personalized advertisements.
Personal information collected through the App is not used for personalized third-party advertising.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in:
· Our services
· App functionality
· Data processing practices
· Technology or service providers
· Legal or regulatory requirements
When material changes are made, we will update the "Last Updated" date and may provide additional notice where appropriate.
13. Contact Us
For privacy-related questions, requests or concerns:
Incremint Edge Private Limited
B-44, 3rd Floor, KH No. 883/28/50
Gali No. 11, Krishna Park Extn., Tilak Nagar
New Delhi – 110018, India
Privacy Contact: tech@incremint.in
Website: https://www.myincremint.com/
14. Company Information
Legal Entity: Incremint Edge Private Limited
CIN: U67190DL2016PTC289703
Country: India
Registered Office: B-44, 3rd Floor, KH No. 883/28/50, Gali No. 11, Krishna Park Extn., Tilak Nagar, New Delhi – 110018, India
This Privacy Policy applies to the Incremint CRM application and related Incremint platform services.