insurance4life.in including online platform(s), its mobile application/web applications owned by the Company ('Website') recognizes the importance of maintaining your privacy. insurance4life.in is committed to maintain the confidentiality, integrity and security of all information of our users. This Privacy Policy describes how insurance4life.in collects and handles certain information it may collect and/or receive from you via the use of this Website. Please see below for details on what type of information we may collect from you, how that information is used in connection with the services offered through our Website and relevant information shared with our authorized business partners only for the purpose of policy solicitation process, pre/post-sale servicing, claim servicing and providing you any other services as permissible under applicable laws. This Privacy Policy applies to current and former visitors to our Website and our customers. By visiting and/or using our Website, you agree to this Privacy Policy.
This Privacy Policy is published in compliance of: the Information Technology Act, 2000; and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the "SPDI Rules") as amended from time to time.
By using the insurance4life.in and/or registering yourself at www.insurance4life.in, you authorize Policybazaar Insurance Brokers Private Limited (including its authorized representatives and its business partners) (Policybazaar/Company) to contact you via 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 the Website and offers by its authorized business partners and associated third parties (to the extent permissible), for which reasons your information may be collected in the manner as detailed under this Policy. You hereby agree that you authorize insurance4life.in to contact you for the above mentioned purposes even if you have registered yourself under DND or DNC or NCPR service(s). Your authorization, in this regard, shall be valid as long as your account is not deactivated by either you or us.
Controllers of Personal Information
Your personal data will be stored and collected by LKP Securities Limited (aka Insurance4Life)
Purposes of collection of your data
insurance4life.in collects your information when you register for an account, when you use its products or services, visit its Website's pages or when an employer organization shares its employee information. When you register with insurance4life.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, financial, know your customer and medical records etc. 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 authorize the insurance4life.in to send texts and email alerts to you with your login details and any other service requirements, including promotional mails and SMSs.
We use your information in order to:
- Respond to queries or requests submitted by you.
- Process orders or applications submitted by you.
- Anticipate and resolve problems with any services supplied to you.
- Administer or otherwise carry out our obligations in relation to any agreement with our authorized business partners in connection with our business operations and functions for the purpose of insurance solicitation, providing pre/post sale services, claims servicing and providing you any other services as permissible under applicable laws.
- Offer group insurance cover and wellness corner offerings / health and wellness related information to your employer organization.
- To send you information about promotions or offers from Insurance Companies to the extent permissible under applicable laws. We might also tell you about new features or products.
- To make our website and the services offered better. We may combine information we get from you with information about you we get from our business partners or third parties as permissible under applicable laws.
- To send you notices, communications, offer alerts relevant to your use of the Services offered on this Website.
- Third parties and outsourced entities for the reasons consistent with the purposes for which the information was collected and/or other purposes as per applicable law.
- Where we need to comply with a legal obligation as per applicable legal and regulatory framework.
- As otherwise provided in this Privacy Policy.
Some features of this Website or our Services will require you to furnish your personally identifiable information as provided by you under your account section on our Website.
Information Sharing and Disclosure
We may share your Information submitted on the Website to any third party/service provider/business partner without obtaining your prior consent in the following limited circumstances:
1. When it is requested or required by law or by any court or governmental agency or authority to disclose, for the purpose of verification of identity, or for the prevention, detection, investigation including cyber incidents, or for prosecution and punishment of offences. These disclosures are made in good faith and belief that such disclosure is reasonably necessary for enforcing these Terms and Conditions; for complying with the applicable laws and regulations.
2. LKP Securities Limited shall transfer information about you in case LKP Securities Limited is acquired by or merged with another company.
3. Where we need to comply with a legal obligation as per applicable legal and regulatory framework.
We Collect 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. Session ID cookies may be used by PRP to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing. Persistent cookies may be used by PRP to store whether, for example, you want your password remembered or not, and other information. Cookies used on the PRP website do not contain personally identifiable information.
Log Files
Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.
Email- Opt out
If you are no longer interested in receiving e-mail announcements and other marketing information from us, please e-mail your request at: [email protected]. Please note that it may take about 15 days to process your request.
Security
We employ appropriate technical and organizational 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 unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Further, 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.
Links to Other Websites
There might be other sites linked to insurance4life.in. Personal information that you provide to those sites are not our property. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies of these website when you visit them.
Changes in this Privacy Policy
insurance4life.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. We encourage you to periodically review
Contact
In case you require any further clarifications on the content of this policy or terms of use, please contact:
Registered Office: 1/1A, Biplabi Anukul Chandra Street, Suit No 3F, Kolkata - 700072, West Bengal
Toll Free: 1800 572 3234