1. Introduction
If you do not provide personal information or withdraw the consent for any of your personal information at any point in time, we and/or Our Insurance Providers shall not be able to provide the benefits for the purpose of which the said personal information was provided / sought including but not limited to refusing to offer our Platform or Services or any part thereof to you by us and/or Our Insurance Provider, as the case may be.
PLEASE FURTHER NOTE THAT WITHDRAWAL OF CONSENT BY YOU OR DELETION OF YOUR ACCOUNT WILL NOT DIMINISH AND/OR AFFECT OUR / OUR INSURANCE PROVIDER/S RIGHTS AND/OR OBLIGATIONS UNDER THE APPLICABLE LAWS. ACCORDINGLY, YOU UNDERSTAND AND AGREE THAT WE AND OUR INSURANCE PROVIDERS WILL CONTINUE TO COLLECT, USE, PROCESS, AND STORE YOUR PERSONAL DATA AS PER THE REQUIREMENTS UNDER THE APPLICABLE LAWS, INCLUDING ANY SPECIFIC REQUIREMENTS, AS MAY BE PRESCRIBED BY THE IRDAI FROM TIME TO TIME.
THIS POLICY ONLY APPLIES TO YOUR PERSONAL DATA INCLUDING SENSITIVE PERSONAL DATA/INFORMATION. ANY NON-PERSONAL DATA / INFORMATION PROVIDED BY YOU TO US OR OUR INSURANCE PROVIDERS OR OUR SERVICE PROVIDERS; OR COLLECTED BY US OR OUR INSURANCE PROVIDERS OR OUR SERVICE PROVIDERS, OR PUBLICLY AVAILABLE DATA IS OUT OF THE SCOPE OF THIS POLICY.
NON-PERSONAL INFORMATION SHALL BE USED, SHARED, STORED AND/OR PROCESSED BY US AND/OR OUR INSURANCE PROVIDER AS PER OUR / OUR INSURANCE PROVIDERS’ SOLE DISCRETION, SUBJECT ALWAYS TO APPLICABLE LAWS (IF ANY). FOR SAKE OF CLARITY, NON-PERSONNEL INFORMATION/ DATA IS SUCH INFORMATION OR DATA WHICH DOES NOT DIRECTLY IDENTIFY YOU OR IS AGGREGATED OR DE-PERSONALIZED AND/OR USING WHICH THE SPECIFIC IDENTITY OF AN INDIVIDUAL CANNOT BE ESTABLISHED.
2. PERSONAL INFORMATION PROVIDED BY YOU AND/OR COLLECTED BY US AND/OR OUR INSURANCE PROVIDER:
We and Our Insurance Providers will use the personal information including any sensitive personal data / information provided by You only in accordance with the purposes in this Policy or as per the requirements of the applicable laws.
Except as provided herein or as clearly disclosed to You at the time of seeking or collection of sensitive personal data, we do not solicit any sensitive personal information about you. Any personal information including your sensitive personal information provided by you on the Platform or to Us or to Our Insurance Provider/s, will be deemed as an authorisation given by you to Us and Our Insurance Providers to use, store, process and share such personal information for the purpose as stated out on the Platform, the applicable laws, the policy wording and this Policy.
During your use of Platform, you may provide and/or we may collect and process such personal information from you, including but not limited to the below:
ⅰ. Personal Information provided by You:
You may provide the personal information to Us or Our Insurance Providers:
a) by filling in application forms or signing-up for an account on the Platform or completing the Know-Your-Customer (“KYC”) process or at the time of the on-boarding process or for availing any services on the Platform or any product of Our Insurance Provider offered through Us. This may include your (AND YOUR CO-APPLICANTS, MEMBERS, NOMINEES, APPOINTEES, IF ANY) contact information such as name, email address, mailing address, location including IP address, phone number, health and asset-related information, and KYC documents for address and identity proof like Voter ID, PAN, Driving License, etc.
b) voluntarily, when you call or write directly to Us or Our Insurance Provider through Us (including by e-mail, feedback and/or surveys).
c) You may be required to provide further information to Us or Our Insurance Providers for the purposes of policies issuance, endorsements and claims processing. Such additional information may include (without limitation) your health and lifestyle related data, insurance policies, bank statements, loan statement/s, salary and income statements as prompted on the relevant page. You may also be required to provide this information to Us and/or Our Insurance Providers via physical documents, e-mail or other digital and offline methods.
d) You agree to provide current, true, latest and correct information and documents at any and all times, including for KYC or other purposes. The said KYC details and other documents may be used by Us and/or Our Insurance Providers to perform KYC, health or other checks and extend the services to you, as further detailed in this Policy. In the event of any changes to any personal information or KYC documents or health / lifestyle information in the KYC or other documents (as the case may be), you will promptly notify us via email and/or update the details under Your Account section immediately.
e) f)
ii. Personal Information Collected from Third Parties:
a) We and/or Our Insurance Provider may also be working closely with third parties (including, for example, business partners, partner banks and financial institutions, technical sub- contractors, analytics providers, etc.) and may lawfully receive information about you from such sources. Such personal data may be shared internally in accordance with the applicable laws and combined with data collected on the Platform.
b) We and /or Our Insurance Provider may also use the content you have shared publicly, including on third party platforms or applications including any social media channel, to promote our Services and/or Our Platform and/or Our Insurance Providers offered through Us, or their services / platform (including by quoting your content, reviews and/ or recommendations, or displaying screenshots of your content, reviews and/ or recommendations).
ⅲ. Personal Information Collected by Us and/or the Insurance Providers:
a) We and Our Insurance Providers collect user account data which includes both personal and non-personal data, including but not limited to the email address, IP address, name to log in to the Platform. This information is required as part of the registration and on-boarding process to
(i) create Your Account;
(ii) provide our Service and Platform;
(iii) enable the Insurance Providers to provide you with products and/or services;
(iv) perform verification and KYC checks on you/co-applicant; (and it is also used to auto populate relevant fields when you apply for any product or service of the Insurance Provider.
b) We and the Insurance Provider may also collect mobile numbers for verification to check the active SIM status on your device, uniquely identify you and prevent fraud and unauthorized access.
c) We and Insurance Provider shall collect transaction information related to the use of our Services, the Platform and/or the products and services of the Insurance Provider offered through Us, including the type of Services requested, date and time the Service was provided and payment method.
d) Additionally, if someone uses your promotion code, we or the Insurance Provider may associate your name with that person and their usage of the Platform/ Services.
e) If you call us, we and/or Our Insurance Providers may record information provided by you to service you as per the Terms and this Policy, including for quality and training purposes.
f) h) The kind of data that may be collected by Us or provided by You depends on the nature of your transaction and the objective of your association. It may also depend on your choice of services or plans. Therefore, depending on what product, plan or service of ours you engage, information to be collected will be determined and displayed to you.
We may collect non-personal data as specified in the section below.
3. NON- PERSONAL INFORMATION / DATA
4. Sharing of Information
5. Cookies and Tracking Technologies
11. Changes to This Policy
