Our business has been built on trust between our customers and ourselves and We understand the importance of keeping your Personal Information secure and confidential. Hence, the Company's privacy policy is designed and developed to address the privacy & security of Your Sensitive Personal Data or Information & Personal Information provided to Us. This policy describes our approach towards collection, using, maintaining, sharing and disclosing such information, handling or dealing with the same. The policy is designed to help you become aware of the following:
✔ “Aadhaar Number” means an identification number issued to an individual by UIDAI - An Aadhaar number, in physical or electronic form subject to Authentication and other conditions, as may be specified by regulations, may be accepted as proof of identity of the Aadhaar number holder
✔ "Aadhaar Number Holder" means an individual who has been issued an Aadhaar number under this Act
✔ "Authentication" means the process by which the Aadhaar number along with demographic information or biometric information of an individual is submitted to the Central Identities Data Repository for its verification and such Repository verifies the correctness, or the lack thereof, on the basis of information available with it;
✔ "Authentication Facility" means the facility provided by the Authority for verifying the identity information of an Aadhaar number holder through the process of Authentication, by providing a Yes/ No response or e-KYC data, as applicable;
✔ "Authentication Record" means the record of the time of Authentication and identity of the requesting entity and the response provided by the Authority thereto
✔ “Authentication Service Agency” or “ASA” shall mean an entity providing necessary infrastructure for ensuring secure network connectivity and related services for enabling a requesting entity to perform Authentication using the Authentication facility provided by the Authority
✔ “Biometric Information” means photograph, finger print, Iris scan, or such other biological attributes of an individual as may be specified by regulations
✔ “Core Biometric Information” means finger print, Iris scan, or such other biological attribute of an individual as may be specified by regulations
✔ “Central Identity Data Repository (CIDR)” ” means a centralized database maintained by the Government in one or more locations containing all Aadhaar numbers issued to Aadhaar number holders along with the corresponding demographic information and biometric information of such individuals and other information related thereto;
✔ “Demographic Information” includes information relating to the name, date of birth, address and other relevant information of an individual, as may be specified by regulations for the purpose of issuing an Aadhaar number, but shall not include race, religion, caste, tribe, ethnicity, language, records of entitlement, income or medical history;
✔ “Identity Information” in respect of an individual, includes his Aadhaar number, his biometric information and his demographic information;
✔ "Personal Information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such a person
✔ “Requesting Entity” means an agency or person that submits the Aadhaar number, and demographic information or biometric information, of an individual to the Central Identities Data Repository for Authentication
✔ “Sensitive Personal Data or Information” - Sensitive personal data or information of a person means such Personal Information which consist of information relating to:
Financial information such as Bank account or credit card or debit card or other payment instrument details;
Physical, physiological and mental health condition;
Sexual orientation;
Medical records and history;
Aadhaar related information including Biometric information
Any detail relating to the above as provided for providing service
Any information that is freely available or accessible in public domain like in telephone directories etc. or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for the purpose of this policy.
Information & Cyber Security policy statement
To have reasonable security practices in place to safeguard the confidentiality, integrity and availability of Sensitive Personal Data or Information of users available with the company thereby complying with applicable legal, regulatory and contractual obligations in place.
Type of Information Collected We and our authorized third parties may collect different types of Personal Information and/or Sensitive Personal Data or Information as permissible under applicable laws, for the purposes of our insurance business. Such information would include:
Personal Information: Your name, age, gender, date of birth, photographs, information relating to our Know Your Customer (KYC) obligations, nationality, educational qualification, occupation, employment details, Aadhaar number/ Virtual id/ UID token and any other information which is capable of identifying You.
Contact Information: Your address, telephone numbers, email id etc
Health Information: Your height, weight, blood group, alcohol & drug consumption, smoking, personal & family medical history, attending physician/treatment records etc.
Financial Information: Details related to your bank accounts, or other payment instrument details, annual income, investment/savings, income tax (PAN Card, Form 16 etc.).
Aadhaar information: : In the capacity of acting as a requesting entity as per applicable laws & regulations, the Company may with your explicit & voluntary consent seek Aadhaar information for Authentication purpose. Details related to your Aadhaar number/ Virtual id including OTP or core biometrics submitted for the purpose of buffered Authentication only. Post which the results of Authentication including general demographic related information shall be shared by the Central Identity Data Repository (CIDR).
Other Information: Any information contained in documents used as proof of identity, address, age or income that may help to provide, improve and maintain our products and services which may ultimately be beneficial to You.
Other information may be collected in the form of various surveys which you agree to participate in or provide other feedback to Us regarding our products or services; or when you register to receive news updates, or when You submit enquiries through our website or when a candidate applies for a job through our website.
We may obtain Your consent for sharing your Sensitive Personal Data or Information in several ways, including but not limiting to the following such as in writing, online, through "click-through" agreements; orally, including through interactive voice response; or when your consent is part of the policy proposal form or product terms and conditions pursuant to which we provide You, Our products and services.
In case You are visiting our website from outside India, Your visit will necessarily result in the transfer of information across international borders. In such scenarios, You consent that by sharing any information on the website, Your sensitive personal Data or Information & Personal Information shall be governed by the terms of use as outlined in this privacy policy, and be bounded by applicable laws and regulation of the land in which the Company operates.
Your visit to Our website may be recorded for analytics and to improve the user experience. Some of this information will be gathered through the use of "cookies". Sensitive data collected by cookies shall be cleared after closing the session. Cookies are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by this site. Should you wish to disable these cookies you may do so by changing the settings on your browser. However, some of the functions might not properly work if you choose to disable the cookies.
We take the help of cookies & Internet Protocol ("IP") addresses to diagnose any problems with our server and to administer & protect our web site, including by blocking certain addresses that we feel are inappropriately using our website. Cookies & IP addresses might be used to gather broad demographics information, such as browser types, visitor's country, visiting frequency, operating systems, etc.