PREFACE
This Privacy Policy (“Policy”) describes the policies and procedures on the collection, use, disclosure, and protection of your information when you use this Platform and integrated services available on the Platform (collectively referred to as the App & Web) provided by Arihant Insurance Broking Services Limited (a Lockton Group Company).
The terms “you” and “your” refer to the user of the Platform. The term “Services” refers to any services offered by the Platform in relation to the health insurance policies and other related value-added services. Any change in constitution of the Company including change of name shall not affect the privacy policy and the same shall continue to be in full force and effect.
This Policy applies to information collected from you if you are a Registered User or if you are a patient or family member for whom a Registered User provides information through our platform.
Please read this Policy before using the Platform or submitting any personal information to us. This Policy is part of, and incorporated within, the Terms of Use.
YOUR CONSENT
By using the Platform and the Services, you agree and expressly consent to the collection, processing, handling, transfer, usage, storage, disclosure, and sharing of your information as described in this Policy. If you do not agree with the Policy, please do not use or access the Platform.
POLICY CHANGES
We may occasionally update this Policy, and such changes will be posted on this Platform. Where required by applicable law, we will obtain your consent. To the extent permitted under applicable law, your continued use of our Platform after we publish such changes to this Policy constitutes your consent and acceptance of the updated Policy.
LINKS TO OTHER WEBSITES
The Platform may contain links to other websites. Any personal information collected while visiting such websites is not governed by this Policy. We are not responsible for and have no control over the practices and content of any website accessed using the links contained on the Platform. This Policy does not apply to any information or data disclosed to our service providers/service personnel that we do not require under this Policy.
HOW WE USE YOUR PERSONAL INFORMATION
We use your personal information to provide you with comprehensive data and insights regarding various insurance schemes, policies, and related services. We use your information to facilitate the requested services and ensure a seamless experience. We do not sell, rent, trade, or exchange personally identifiable information. Your information may be shared with insurance companies with whom we have agreements and contracted service providers to support our services.
The purposes for using your personal information include resolving disputes, informing you about updates, customizing your experience, offering products and services that may meet your needs, and fulfilling other purposes communicated during data collection.
We encourage you to contact us to update or correct your information if it changes or if the information we hold is inaccurate. We are not liable for inaccuracies due to incorrect contact details provided by you.
INFORMATION SHARING
We may share your personal information with third parties for the purposes described in this Policy under the following circumstances:
- Service Providers and Business Partners: We may share your information with our service providers and business partners for insurance solicitation, pre/post-sale services, claims servicing, and other services permissible under applicable laws.
- Legal and Regulatory Obligations: We may share your information when required by law or any court, governmental agency, or authority, for investigation, or to comply with legal and regulatory obligations. Additionally, we may share your information to enforce agreements, resolve disputes, or protect rights.
INFORMATION SECURITY AND STORAGE
To protect your privacy and security, we use industry-standard encryption technologies for data transfer and storage. Despite our efforts, no security measures are entirely impenetrable.
We will retain your personal information for the duration of our relationship and as needed to:
- Maintain business records for analysis or audit;
- Comply with legal record retention requirements;
- Defend or bring legal claims; and
- Address any complaints regarding the Services.
We will delete your personal information when it is no longer needed. In cases where complete deletion is not possible, we will take measures to prevent further processing or use of your information.
USE OF THIS SITE BY MINORS
We understand the importance of protecting minors' privacy. This website/portal is not intended for minors under 18. We do not knowingly collect data from minors.
Location Information:
We may access your app settings or device permissions to collect real-time or approximate location information through data such as GPS or IP address.
Usage and Preference Information:
We collect information on how you interact with our Platform, including preferences and settings.
Device Information:
We may collect information about the devices used to access our Platform, including hardware models, operating systems, software versions, device identifiers, and network information. Analytics companies may use mobile device IDs to track usage.
RETENTION
The information collected and retained is managed by:
Arihant Insurance Broking Services Limited
Corporate Office Address - 802, 8th Floor, Tower A, Peninsula Business Park, Lower Parel, Mumbai 400013
COOKIES POLICY
Cookies are small files stored on your browser or device by websites, apps, and online media. We use cookies and similar technologies for purposes such as:
- Authenticating users;
- Remembering user preferences and settings;
- Analyzing site traffic and trends;
- To modify your cookie settings, visit your browser’s settings. By using our Platform with cookies enabled, you consent to our use of cookies as described.