Privacy & Cookie Policy

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We take the privacy and security of our visitors very seriously .keeping your personal information safe and secure is our top priority .This notice will inform you about our policies and procedures concerning the personal information about you that we collect, maintain and disclose, in connection with the insurance policies you obtain from us.

Contents –

Data protection

Your consent

cookies

Use of your Information

Personal Information Restrictions

International transfer of data

Internet usage

Sensitive data

Call monitoring

Security

1. Data Protection
We collect and maintain personal information about you in order to carry out our functions as a provider of insurance products. All personal information submitted is treated with the utmost confidentiality and with appropriate levels of security . This information is used to manage the issuance of an insurance policy, including underwriting and claims handling, and may be stored as computer records and/or paper files to assist us to complete transactions, or follow up discrepancies, complaints or queries. Details may also be submitted to regulatory authorities and auditors. Unless otherwise instructed, we may use personal data for commercial purposes.

2. Your consent
By submitting your details and /or using our service you accept this privacy and are expressly consenting to the processing ,use and disclosure of your personal information as described below .if you do not consent we will not be able to process your application or you will not able to use our services as your personal data is integral to the product and services you are applying for .

We place cookies or similar technologies on the machine you use to visit our website /or you use to make an application .this is primarily to make it easier for you to access and navigate the website .by continuing to use our website ,you are giving your consent to do this ,more information about cookies is set out below .

3. Cookies
This information does not identify any individual ,we may also obtain information about your general internet usage by using a cookie file that is stored on the hard drive of your computer ,which again does not identify any individual . this information is sent back to the server each time the browser requests a page from the server that enables the web server to identify and track the browser. cookies enable us to improve our service to you ,estimate our audience size and usage patterns ,store information about your preference and recognise you when you return to our site .

You can set your web browser to refuse cookies(or just to refuse third party cookies ), but if you do tis you may not able to enjoy full use of the site .

4- Use of your Information
We may disclose information about our applicants, customers and former customers, as permitted or required by law in conjunction with our normal insurance operations, such as:
– in the processing of an insurance claim
– in connection with a legal proceeding
– with government agencies conducting examinations of our procedures
– internal database marketing

5- Personal Information Restrictions
Access to the information you submit is limited to those employees who have legitimate business needs for such information with respect to the insurance policies issued. We maintain physical, procedural and electronic safeguards to protect the privacy and confidentiality of your non-public personal information.

6- international transfer of data
We may transfer your personal data to destinations outside India . Where we we will ensure that it is treated securely and in accordance with the Legislation.

7-Internet Usage
Our websites do not contain any hidden codes or applications designed to obtain any kind of information about you from your computer, apart from what is required to establish a connection and transfer content between our website and your computer.

Our host servers do obtain information about the number of connections to it. This data may contain details such as your IP address, the kind of operating system you are using and the version of your internet browser. This information is used only for the purposes of analyse the traffic to the website. It does not contain any kind of data about you which may be classified as personal or private.

Our website uses ‘cookies’ to track visitor navigation. Cookies are small text files stored on your computer, which identify it to our website. Cookies do not contain viruses, and the cookies stored on your computer by the website do not contain any kind of personal, private or sensitive information. They are used simply to track navigation and remember data and preferences submitted by you. Cookies can be disabled on your browser, though this may hamper your ability to effectively obtain a quote and purchase a policy from our website.

8-Sensitive Data
Any sensitive data supplied by you in order to purchase an insurance policy, such as dates of birth or health details, will only be used for the purpose specified at the time of submitting this data.

We reserve the right to provide this information, when we are legally obliged, to official bodies such as the Police, the Courts, or other organisation investigating insurance fraud.

9- Call Monitoring
We may monitor and record telephone calls in order to improve our service to you and to prevent and detect fraud.

10- Security
We recognise the need of your appropriate protection and management of the personal & financial information you share with us and believe that our systems meet and exceed industry standards .We protect the information using secure socket layer (SSL )encryption technology ,we store data in encrypted from on computers and control access via secure web pages , we use firewalls and other security packages to us from external attack .

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