Nhance India Insurance Privacy Policy

We state that www.nhanceindia.in is strongly committed to protect the privacy of its customers and has taken all necessary and reasonable measures in line with the best industry practice to protect the confidentiality of your personal information and its transmission through our website.
This Privacy Policy describes how www.nhanceindia.in collects and handles certain information it may collect and/or receive from you via the use of www.nhanceindia.in website.
This Privacy and Security Policy therefore, explains how we protect your personal information provided to us on our website i.e. www.nhanceindia.in and how we use that information in connection with the service offered through the website
This Privacy Policy applies to current and former visitors to our website and to our online customers. By visiting and/or using our website, you agree to this Privacy Policy.
By using www.nhanceindia.in and/or registering yourself at www.nhanceindia.in Web Aggregator Limited (including its affiliates, its business partners, and representatives,) to contact you through email or phone call or SMS and offer you our services for the product you have opted for, imparting product knowledge, offer promotional offers running on www.nhanceindia.in and offers by its business partners and associated third parties, for which reasons your information may be collected in the manner as detailed under this Policy.

Personal Information

Personal Information (“PI”) means any information/documents/details which relates to a natural person, which either directly or indirectly in combination with other information available with Nhance India Insurance Broking Services, can identify such person Purposes of Collection of Your Data

www.nhanceindia.in collects your information when you register for an account, when you use its products or services, visit its website’s pages.
When you register with www.nhanceindia.in , you are asked for submitting certain information which may be personal to you such as first name, last name, state and city of residence, email address, mobile number, date of birth, and so on.
Once you register at the website and sign in you are not anonymous to us. Also, you are asked for your contact number during registration and may be sent SMSs, notifications about our services to your wireless device.
Hence, by registering you authorise the www.nhanceindia.in to send texts and email alerts to you with your login details and any other service requirements, including promotional mails and SMSs

Express Consent

You while providing your details/documents over the website, including but not limited to PI as mentioned hereinabove, expressly consent to www.nhanceindia.in (including its marketing channels and business partners) to contact you through SMS, call and/ or e-mail and to follow up calls in relation to the services provided through the website, for imparting product knowledge, offering promotional offers running on website and various other offers offered by its business partners.
www.nhanceindia.in reserves the right (and you expressly authorise www.nhanceindia.in ) to share or disclose your PI when www.nhanceindia.in determines, in its sole discretion, that the disclosure of such information is necessary or appropriate under the law for the time being in force.

Usage of Your Information

Anticipate and resolve problems with any services supplied to you.
Process orders or applications submitted by you.
Respond to queries or requests submitted by you.
To make our website and the services offered by www.nhanceindia.in better. We may combine information we get from you with information about you we get from our business partners or third parties.
To send you information about special promotions or offers. We might also tell you about new features or products. These might include offers or products from our business partners (such as insurance companies etc.) Or third parties (such as marketing partners and other service providers etc.), with whom www.nhanceindia.in has a tie-up.
To send you notices, communications, offer alerts relevant to your use of the services offered on this website.
Administer or otherwise carry out our obligations in relation to any agreement with our business partners.
As otherwise provided in this privacy policy.

Disclosure/Sharing

www.nhanceindia.in does not disclose PI of a customer except as directed by law or as per mandate received from the customer/applicant. Upon your written request www.nhanceindia.in will provide you with information on whether we hold any of your PI. No specific information about customer accounts or other personally identifiable data is shared with third parties unless any one of the following conditions is met:
To help complete a transaction initiated by you;
To perform support services through a third-party service provider, provided it conforms to the Privacy Policy of the www.nhanceindia.in and your prior consent to do so is obtained;
You have specifically authorised it
Where the disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process;
When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;
www.nhanceindia.in shall not be held liable for disclosure of the PI when used in accordance with this Privacy Policy or in terms of the ‘General Terms and Conditions of Use’ of website or an agreement, if any, with the users of website

Web Cookies

A cookie is a piece of data stored on the user’s computer tied to information about the user. We may use both session ID cookies and persistent cookies.
For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer’s hard drive for an extended period of time.
Our website may use cookies to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them.
User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the website may not function properly.

Log Files

This information may include Internet Protocol (IP) addresses, browser type, Internet Service Provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.
We may use the collected log information about you to improve services offered to you, to improve marketing, analytics, or website functionality

Tracking Technologies

www.nhanceindia.in and its partners use cookies or similar technologies to analyse trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base.
You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

Email/SMS Communications from Us and Our Partners

We provide our registered customers with periodic emailers and email/SMS alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting www.nhanceindia.in or third-party products.
Subject to the express consent clause above, www.nhanceindia.in Website subscribers may opt-out of receiving our promotional emails and terminate their newsletter subscriptions by following the instructions in the emails.
Opting out in this manner will not end transmission of service-related e-mails/SMS, such as e-mail/SMS alerts. The above services are also provided by our partners.

Retention of Your Data

www.nhanceindia.in will retain your information for as long as it is necessary for providing you the Services available on the website or your request for termination of your account with www.nhanceindia.in , whichever is later.
Post termination of your account, www.nhanceindia.in may continue to use your anonymized data aggregated or in combination with anonymised data of other users.
We use this aggregated anonymised data for data analysis, profiling and research purposes, for example to gain insights about our users and their profiles.
We may keep your contact information along with your application details (if any) for fraud prevention purposes and for the exercise/ defence of a legal claim or for providing evidence in legal proceeding(s)

Sharing Information with Third Parties with Your Consent

If you choose to apply for these separate products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies.
You should evaluate the practices of these external services providers before deciding to use their services. www.nhanceindia.in is not responsible for their privacy practices

Testimonials, Blogs and Other Forums on www.nhanceindia.in Website

With your consent www.nhanceindia.in may post your testimonial along with your name.
If you use a blog, comments section or other public forum on website, any information you submit there can be read, collected or used by other users and could be used to send you messages. www.nhanceindia.in shall not be held responsible for the PI you choose to submit in these forums

Intimation by Customers Regarding Change in Personal Information

If the PI provided to us when you had applied for a product on our website changes, you may update it whenever you apply for a new product via our website.
To review and update your PI and to ensure that the same is accurate while your application is in process, you may contact us at [email protected]
You will not be able to update the information you have provided in an application after a decision has already been made on it; however, you may create and submit a new application with your updated information.
We will retain your information for as long as your account is active or as needed to provide you services.
If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at [email protected]
We will respond to your request within a reasonable timeframe. However, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and to enforce our agreements.

Security

We employ appropriate technical and organisational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorised or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information.
We follow generally accepted standards to protect the PI submitted to us, both during transmission and once we receive it. We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our website
We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect www.nhanceindia.in online accounts and systems from unauthorized access.
When you register for the service, www.nhanceindia.in requires a password from you for your privacy and security. www.nhanceindia.in transmits information such as your login credentials for website or account credentials securely.
Our databases are protected from general employee access both physically and logically. We encrypt your service password so that your password cannot be recovered, even by us. All backup drives and tapes also are encrypted.
We enforce physical access controls to our buildings. No employee can put PI on any insecure machine. We permit only authorised employees who are trained in the proper handling of customer information, to have access to aforesaid PI.
www.nhanceindia.in has been verified for its use of SSL encryption technologies. Sensitive and private data exchange between the website and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures

You Are Responsible for Maintaining the Confidentiality of Your Login Id and Password

However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.
You are responsible for maintaining the confidentiality and security of your login id and password, and may not provide these credentials to any third party
If you believe that they have been stolen or been made known to others, you must contact us immediately at [email protected].
We are not responsible if someone else accesses your account through the login credential they have obtained from you or through a violation by you of this Privacy and Security Policy or the Terms and Conditions of Use.
If you have any security related concern, please contact us at [email protected]. We will work closely with you to ensure a rapid and personal response to your concerns

Third Party Websites

Users may find content on our website that links to the websites and services of insurance companies which may appear on our website for online sale of insurance.
We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our website.
In addition, these websites or services, including their content and links, may be constantly changing. These websites and services may have their own privacy policies and customer service policies.
Browsing and interaction on any other website, including websites which have a link to our website, is subject to that website’s own terms and policies.

Changes to This Privacy Policy

www.nhanceindia.in reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices.
When we do, we will revise the updated date at the bottom of this page and send you an email.
We encourage Users to periodically review this page for any changes to stay informed about how we are helping to protect the personal information we collect.
You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Acceptance of These Terms

By using this website, you indicate your acceptance of this policy. If you do not agree to this policy, please do not use our website. Your continued use of the website following the posting of changes to this policy will be deemed your acceptance of those changes.

Grievance Redressal

If you have grievance or complaint, questions, comments, concerns or feedback in relation to the processing of information or regarding this Privacy and Security Policy or any other privacy or security concern, send an e-mail to [email protected]

Notice

The effective date of this Policy, as stated below, indicates the last time this Policy was revised or materially changed.

Effective Date

09/05/2019