Nhance India Insurance Broking Services (www.nhanceindia.in) is strongly committed to protecting the privacy of its customers. This policy explains how we collect, use, and protect your personal and health-related information through our website and the Nhance Benefits mobile application.
By visiting our website or using the Nhance Benefits mobile app, you agree to the terms outlined in this Privacy Policy.
1. Information We Collect
We collect information that identifies you (“Personal Information” or “PI”) to provide insurance services and manage employee benefits.
- General Personal Information: First and last name, email address, mobile number, date of birth, and state/city of residence.
- Insurance Information: Policy numbers, coverage details, insurance provider information, and claim history.
- Health Information: To process insurance claims via the mobile app, we collect hospital details, admission/discharge dates, medical documents, diagnosis/treatment info, and claim amounts.
- Technical Data: IP addresses, browser type, device information, operating system, and “clickstream” data.
2. How We Use Your Information
- Service Delivery: Providing access to policy info, processing insurance claims, and managing employee benefits.
- Communication: Sending notices, service alerts, and responding to queries.
- Product Improvement: Improving website/app functionality and analyzing user needs.
- Marketing (With Consent): Offering promotional products or features via SMS, email, or phone calls.
- Health Data Specifics: Health information is used strictly for claim processing and coordination with insurers or TPAs. We do not sell or use health information for advertising purposes.
3. Data Sharing & Disclosure
We do not sell or rent your personal information. Disclosure only occurs under the following circumstances:
- Service Fulfillment: Sharing data with insurance providers and TPAs to settle claims.
- Legal Necessity: When required by law or to protect the safety and rights of our users.
- User Consent: When you have specifically authorized us to share information with a partner.
4. Data Security
We employ industry-leading technical and organizational measures to protect your data. We use SSL for all data transmissions and encrypt service passwords. Access to personal data is restricted to authorized employees trained in confidentiality. You are responsible for maintaining the confidentiality of your login credentials.
5. Tracking Technologies & Cookies
Our website uses cookies to enhance your experience. Session cookies are deleted once you close your browser, while persistent cookies remember your preferences. You can disable cookies in your browser settings.
6. Data Retention & Deletion
We retain your information as long as your account is active. Post-termination, we may keep anonymized data for research. To request account deletion, contact [email protected].
7. Grievance Redressal
If you have questions or concerns about this policy, please contact us at [email protected].