Privacy Policy

Last updated: 29 September 2026

This Privacy Policy explains how Outlive AI Private Limited (“Outlive AI”, “Vera”, “we”, “us”, or “our”), which operates the Vera service, collects, uses, shares, and protects your personal information when you interact with us — including when you message us or receive messages from us on WhatsApp, visit our website, or use our insurance-related services. Vera operates in India. By interacting with us, you agree to the practices described in this policy.

1. Information We Collect

We collect only the information needed to help you find, understand, and manage insurance, and to communicate with you:

• Contact details — your name and phone number (including your WhatsApp number).
• Insurance details — information you choose to share to get quotes or guidance, such as vehicle, policy, age, and coverage preferences.
• Conversation content — the messages you exchange with us, your responses, button clicks, and your opt-in / opt-out status.
• KYC documents — identity documents you upload to us, such as images or scans of your Aadhaar card, when a policy you have chosen needs them. These are collected only after you have decided to proceed and only because the insurer requires them to issue the policy. See section 5.
• Usage information — message delivery and read status and basic engagement metrics provided to us by the messaging platform.

2. How We Collect It

We collect your information when you choose to connect with us, including:

• Tapping a “click-to-WhatsApp” advertisement on Facebook, Instagram, or other Meta platforms that opens a chat with us;
• Messaging us first on WhatsApp or another channel; and
• Through an existing customer or business relationship in which you previously shared your contact details with us; and
• Uploading documents yourself through a secure upload form on our website (for example the KYC upload on heyvera.in/motor).

3. How We Use Your Information

• To respond to your enquiries and provide insurance quotes, information, and guidance;
• To send you service messages (e.g. quotes, updates, reminders) and, where you have opted in, marketing and promotional messages on WhatsApp;
• To connect you with insurers or insurance partners so they can prepare quotes or policies for you;
• To pass your KYC documents to the authorised intermediary and insurer so that a policy you have chosen can be issued;
• To operate, improve, and secure our services; and
• To comply with our legal and regulatory obligations.

4. WhatsApp & Meta

We use the WhatsApp Business Platform (provided by Meta) to communicate with you. When you message us or receive messages from us on WhatsApp, your information is also processed by WhatsApp and Meta in accordance with their own terms and privacy policies. We send messages in compliance with the WhatsApp Business Messaging Policy and only message you where we have a valid basis to do so (such as your opt-in or an existing relationship).

5. KYC Documents and Our Role as a Technology Provider

Some pages on this website — for example heyvera.in/motor — are operated by Outlive AI as a technology provider for an independent, IRDAI-authorised insurance intermediary (a Point of Sales Person appointed by a licensed insurance broker). Vera is not an insurer, insurance broker, or insurance agent, and does not sell or solicit insurance. The insurance is solicited by that intermediary, and the policy is issued by the insurer.

Where you upload KYC documents to us:

• We collect them only when you choose to upload them, after you have decided to proceed with a policy. You are never required to upload anything to receive a quote or to speak to us.
• They are transmitted over an encrypted connection and stored in a private, access-restricted folder. They are not published, indexed, or made publicly accessible.
• Access is limited to the small number of people who need it to get your policy issued — the authorised intermediary handling your case and authorised Outlive AI personnel.
• They are shared only with the authorised intermediary, the insurance broker they are appointed by, and the insurer issuing your policy. We do not share them with anyone else, and we never sell them.
• We do not use KYC documents for marketing, profiling, or any purpose other than getting your policy issued and meeting our legal and regulatory obligations.
• Retention. We delete KYC documents from our systems once the policy has been issued and any applicable regulatory record-keeping period has passed, or earlier if you ask us to and we are not required by law to keep them. The insurer and broker keep their own copies under their own retention obligations, which we do not control.
• Withdrawing consent. You can ask us to delete documents you have uploaded at any time by emailing support@heyvera.in. If we delete them before your policy is issued, the insurer may not be able to issue it.

Please upload only the documents you have been asked for. If you upload something by mistake, tell us at support@heyvera.in and we will delete it.

6. How We Share Your Information

We do not sell your personal information. We share it only as needed to provide our services:

• Insurance partners, intermediaries and insurers — to obtain quotes or arrange policies you have asked about, including the authorised intermediary described in section 5 and the broker they are appointed by.
• Service providers — trusted vendors who help us operate, including the WhatsApp Business Platform / Meta and our website-hosting and infrastructure providers, who process information on our behalf.
• Legal and regulatory authorities — where required by applicable law, regulation, or lawful request (including insurance regulators such as the IRDAI), or to protect our rights and safety.

7. Data Retention

We keep your information only for as long as needed to provide our services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we delete or anonymise it. Specific retention terms for KYC documents are set out in section 5.

8. How We Protect Your Information

We apply reasonable technical and organisational measures to protect your information against unauthorised access, loss, or misuse. No method of transmission or storage is completely secure, but we work to safeguard your data at all times.

9. Your Rights

Subject to applicable law, including India’s Digital Personal Data Protection Act, 2023, you may have the right to access the personal data we hold about you, request its correction or deletion, withdraw consent, and raise a grievance. To exercise any of these rights, contact us at support@heyvera.in.

10. Children

Our services are intended for individuals aged 18 and over. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above. Significant changes will be communicated where appropriate.

12. The Vera App

This section applies when you use the Vera mobile app (Android) or the web app at app.heyvera.in. In the app, IRDAI-authorised Point of Sales Persons (POSPs) share bike insurance quotes with their customers. Outlive AI provides the technology; it does not sell or solicit insurance.

• Mobile number. Used to create your account and log you in. We send a one-time login code to your number on WhatsApp through our messaging provider.
• Bike registration number. Used to fetch your insurance quote and a payment link from the systems of the insurer or authorised intermediary, only when you ask for it.
• Quotes and policy details. The quotes shown to you and, once a policy is issued, its insurer, policy number, dates and policy document, so you can see them in the app.

The app does not collect your name, location, contacts, photos, or card or UPI details. Payments happen on the insurer's website or in your own UPI app. App data is stored on secure cloud servers and is always encrypted in transit. We do not sell your data and the app shows no advertising.

Deleting your account. You can delete your account at any time in the app (tap the account icon, then Delete account), or by following the steps at heyvera.in/delete-account. This deletes your account, mobile number, saved bike and quotes. Policies that have already been issued stay with the insurer, as required by law.

13. Contact Us

If you have any questions, requests, or grievances about this Privacy Policy or your personal data, contact us at support@heyvera.in.

You can also speak to an advisor on WhatsApp at +91 99114 01663.