WHAT INFORMATION DO WE COLLECT? HOW DO WE USE IT?
When You buy the insurance policies online, We need to know certain details including but not limited to personal details, details which are necessary for the issuance of policy or calculation of premium, subscription of any online services and details with respect to purchase of a Product online. This allows Us to better serve your needs and also when you purchase a product it enables us to process and issue policies to You and to notify You the status for the same. You are required to provide your consent thereto, in writing, through letter or fax, email or by any other electronic mode in which we may require you to give such consent acknowledging that any sensitive personal data or information that is shared with us for the purpose of issuance of policies to You is with your consent and also that such information may be shared with other persons for the purpose of performance of our obligations under the contract entered into with you. You understand and acknowledge that we shall not be able to process information provided by You or issue policies until we receive such consent from You. You further understand and acknowledge that certain data/information provided by you will be shared with our Service providers for the purpose of providing the services under the contract of insurance. You also understand and acknowledge that such data/information may be shared with our group companies for research and analysis purposes only.
Further we don’t store your credit card information and the payment gateway link available on our website, which facilitates you to make the payment for the policies bought by you. You may voluntarily sign up to be informed about certain offers. For this service we need only an e-mail address and / or phone number and the preferred time and language of communication, which we use to send the information you requested. We continually strive to improve our website offerings based on the information and feedback we receive from you. We also monitor customer traffic patterns and site usage to help us develop the design and layout of the Website. The email address you provide for issuance of the policies may be used to send to you information and updates pertaining to your policies, in addition to receiving occasional company news, updates, related product / service information, etc.
We shall not hold or retain any of your sensitive personal data or information for a period longer than is required for the purposes for which such information has been collected or is otherwise required under any applicable law.
We shall use your information for the following purposes:
a) issuance of policies, renewal of policies, processing the claims etc.;
b) analyzing the data either in house by the Company or through any of its group or affiliate Companies or through any duly engaged service provider;
c) disclosing any information compelled under the rules, regulations, guidelines or order of any statutory body or Court.
You hereby irrevocably and unconditionally authorise the Company to use the information provided by you to carry out your instructions, effecting transactions that you may undertake on the Website, in accordance with these Terms and such other terms as may be specified by the Company. Certain transactions would be effected only after you authorise it by using your password and the Company shall have no obligation to verify the authenticity of any such duly authorised transaction. The records of the Company generated by the transaction(s), including the recording of the time of the transaction(s), shall be conclusive proof of the genuineness and accuracy of such transactions.
WITH WHOM WILL YOUR INFORMATION BE SHARED?
We shall not share, rent, lease, or sell your personal information (e.g. your email address, your credit card information, your name, your address, etc.) to any third party for their independent use or benefit.
We shall set and access our own cookies on your computer to allow you to buy and interact at the Website. We also use web beacons to gather anonymous, aggregated statistical information (e.g. unique hits, page views, etc.) about our Website traffic.
We may share your information collected by us with third parties for providing you with better services and offerings or to carry out the purpose for which such information was collected by us. Further we may share the above said information if required to do so under any of the provisions of the laws applicable to us or by any order of the Court or other statutory authorities.
WHAT CHOICES ARE AVAILABLE TO YOU REGARDING COLLECTION, USE AND DISTRIBUTION OF YOUR INFORMATION:
You may change your interests at any time and may opt-in or opt-out of any marketing / promotional / newsletters mailings. The Company reserves the right to send you certain service related communication, considered to be a part of your Website account without offering you the facility to opt-out. You may update your information and change your account settings at any time.
Upon receipt of a request by you, we shall remove/block your personally identifiable information from our database, thereby canceling your registration. Upon such cancellation, we shall cease to provide services to you and you shall not be entitled to access the Website. However, your information may remain stored in archive on our servers even after the deletion or the termination of your account.
If we plan to use your personally identifiable information for any commercial purposes, we will notify you at the time we collect that information and allow you to opt-out of having your information used for such purposes.
HOW DO WE PROTECT CUSTOMER INFORMATION?
We have a strong content management system using the latest encryption technology in place where the information collected is cycled and is operated by professional people with password protected user environment.
We have adequate security practices and procedures in place and a comprehensive documented information security programme and policies that contain managerial, technical, operational and physical security measures that are appropriate to protect information received by us. We have the International Standard ISO 27001 in place.
Although we shall endeavor to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using this Website, you agree that we will have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties.