Under legal review. The regulatory-position sections below describe how LifeWyn actually operates today. The legal entity name, CIN, hosting details, sub-processor list and Grievance Officer details are being finalised with counsel and will be completed before general availability.
你的权利
你可以对自己的数据做什么
访问与可携带
随时申请导出你的数据。你的保险库内容属于你——而且由于它经客户端加密，只有你能解密。
更正
让你的资料和记录保持准确。信息变更时随时更新。
删除
申请删除您的账户和数据。该申请会被记录，并保留宽限期，期间您可以取消申请。账户记录的最终销毁由我们团队手动执行，而非自动完成，因为该操作一旦执行便无法撤销。
授权与透明
精细化、可撤销的同意机制，附有您同意内容及撤销原因的时间线，并记录在哈希链式审计日志中。
合规框架
我们如何对齐
GDPR
访问、更正和数据可携权已内置于产品中，删除请求会被记录并处理。我们是按照 GDPR 的要求构建的；但尚未有任何监管机构或审计方对此进行认证。
印度 DPDP 法案
为符合印度《数字个人数据保护法》而构建：目的限制、附带撤销记录的同意留存，以及数据主体请求流程。目前尚无认证体系可对此进行证明。
数据最小化
我们仅收集运营所需的最少信息。您的保险库内容会在到达我们这里之前先在您的设备上加密；而您的账户和指定人联系方式则不会加密，因为服务需要能够联系到这些人。
This page describes our approach and is not legal advice. For specific requests, contact us via the contact page.
What LifeWyn is, in regulatory terms
Being clear about what LifeWyn is not saves everyone time.
- Not a bank, NBFC or payment institution. LifeWyn never holds, moves or has custody of your funds. Your bank continues to hold your deposits.
- Not a broker or investment adviser. LifeWyn stores records about your investments. It does not hold them, advise on them, or transact in them.
- Not an insurer. LifeWyn stores policy details and the documents a claim will need. It has no role in the claim itself.
- Not a will service or law firm. LifeWyn does not draft wills, give legal advice, or change who legally inherits anything.
- Not a probate or succession authority. Whether an institution accepts a claim is that institution's decision under its own rules and the law.
LifeWyn is a software service that stores encrypted records and releases them under conditions its users define. That is the whole of it, and it is why financial-sector licensing does not apply to us.
LifeWyn is operated by LifeWyn Global Private Limited, registered in Bengaluru, Karnataka, India. Under the Digital Personal Data Protection Act, 2023 ("DPDP Act"), we are the Data Fiduciary for the personal data we hold.
Where your data is stored
- Account and billing data: Oracle Cloud Infrastructure (OCI), Mumbai (ap-mumbai-1).
- Encrypted vault contents: Oracle Cloud Infrastructure (OCI), Mumbai (ap-mumbai-1).
- Backups: same region, rolling 30-day retention.
Wherever data is stored, your vault contents are encrypted before they reach us, so we hold ciphertext rather than your records regardless of the hosting region.
Who processes data on our behalf
The sub-processor list below is being finalised; each row will be confirmed or removed once our vendor selection is final.
| Sub-processor | Purpose | Data location | Can it read the vault? |
|---|---|---|---|
| Oracle Cloud Infrastructure (OCI) | Servers and storage | Mumbai, India (ap-mumbai-1) | No |
| Amazon SES | Transactional email | Mumbai, India (ap-south-1) | No |
| Razorpay | Payment processing | India | No |
| Twilio | Check-in notifications | Asia Pacific (Mumbai) | No |
Every sub-processor is bound by contract. None of them can read vault contents, because none of them ever receives a key.
Security standards and certifications
Our technical controls are described in full on the security page. In summary: client-side encryption using XChaCha20-Poly1305 applied before upload, threshold cryptography so no single party holds a working key, no server-side decryption of vault contents at any point, hash-chained internal audit logging, and restricted, logged internal access.
LifeWyn does not yet hold a formal security certification. There is no SOC 2 report, no ISO 27001 certificate, and no commissioned penetration test. Our first independent security review is scheduled for Q4 2026, and the report will be published here in full, including anything it finds.
Law enforcement and legal requests
We comply with valid legal orders from competent authorities. What matters is understanding what compliance can actually produce.
What we can hand over: your account details — name, email, phone, country — billing records, and operational logs showing when the Service was accessed.
What this cannot include: plaintext content from your vault. Your vault is encrypted before it reaches us, so we hold ciphertext, not your records — we can produce ciphertext; we cannot produce a working key, because none exists on any system we control. This is a description of what is technically possible, not a refusal to cooperate.
We intend to publish an annual transparency report stating how many legal requests we received and how many we fulfilled. No report has been published yet.
How to reach the right person
- Privacy and data rights. Kishor Dhakad, Co-founder — support@lifewyn.com.
- Security disclosure. Found a vulnerability? Tell us before telling anyone else — see our responsible disclosure policy for scope and contact details. The dedicated security-disclosure mailbox is security@lifewyn.com.
- Everything else. support@lifewyn.com.
LifeWyn Global Private Limited, Near Flipkart Building, Embassy Tech Village, Outer Ring Road, Kadubeesanahalli, Bengaluru, Karnataka 560103, India.