PRIVATE POLICY

We are committed to protecting and respecting your privacy. We collect your personal information and process your personal data in accordance with The Indian Digital Personal Data Protection Act, 2023 and other national and state laws that relate to the processing of personal data Please read the following carefully to understand our views and practices regarding your personal data.

1. We collect your personal information to improve.

2. Our privacy policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically.

3. All partner firms and any third-party working with or for us, and who have access to personal information, will be expected to read and comply with this policy.

For Data Security:

1. We take due care to protect the data. Technical measures are in place to prevent unauthorized or unlawful access to data and against accidental loss or destruction of, or damage to data.

2. We maintain physical, electronic, and procedural safeguards in connection with the collection, storage, and disclosure of personal information.

3. We take reasonable steps to help protect your personal information to prevent loss, misuse, unauthorized access, disclosure alteration and destruction.

4. The information you provide to us is shared on our secure servers. We have implemented appropriate physical, technical and organizational measures designed to secure your information against accidental loss and unauthorized access, use, alteration, or disclosure.

5. Information collected from you will be stored for such period as required under the applicable laws.

COOKIE POLICY

Cookies are small text files placed on your device to store data that can be recalled by a web server in the domain that placed the cookie. We use cookies and similar technologies for storing and honouring your preferences and settings, enabling you to sign into your account, providing interest-based advertising, analysing how our products perform, and fulfilling other legitimate purposes. You may, however, visit our website anonymously. We will collect personal information from you only if you voluntarily submit such information to us. You can always refuse to share such personal information, except that it may prevent you from engaging in certain website-related activities and it may also prevent us from fulfilling services requested by you.

We also allow third parties to collect information about your online activities through cookies and other technologies. The information gathered by these third parties is used to make predictions about your characteristics, interests, and/or preferences. Please note that we do not have access to or control over all cookies or other technologies these third parties may use to collect information about your interests, and the information practices of these third parties are not covered by this Privacy Policy. The term “We”/ “Us” / “Our” used in this document refer to the Company and “You” / “Your” / “Yourself” refer to the users, who visit or access or use (collectively “usage”) Platform. You can prevent the storage of cookies by choosing a "disable cookies" option in your browser settings. But this can limit the functionality of the website.

TERMS AND CONDITIONS:

Please Read This Privacy Policy Carefully. You Indicate That You Understand, Agree and Consent to This Privacy Policy. Hence by Visiting Our Platform or by Using / Availing Any of Our Services or Product, You Hereby Give Your Unconditional Consent or Agreement to Our Company for the Collection, Use, Storage, Processing, Sharing and Transfer and Disclosure of Your Information.

you Acknowledge That You Have All Legal Rights and Lawful Authority to Share the Information With Us and Further Acknowledge That by Collecting, Sharing, Processing and Transferring Information Provided by You, Shall Not Cause Any Loss or Wronful Gain to You or Any Other Person. if You Do Not Agree With the Terms of This Privacy Policy, Please Do Not Access / Use Our Platform or Avail Any of Our Service or Product on Our Platform.

1.Topics Covered

This policy is designed to make you understand:

• The type of information which You share with Us or which We collect during Your usage of our Platform or availing any Product or Services from Our Platform.
• The purpose of collection, storage, processing and transferring of Your Information by Us.
• Security measures implemented by Us to protect Your Information as mandated by law.
• Disclosure, sharing and transfer of Your personal information by Us and purpose of such disclosure, sharing or transfer.

2. Controller of Personal Information

• Our Company will be the controller of Your Personal Information provided by You or otherwise collected by Us. Your data controller is responsible for the collection, use, disclosure, retention, and protection of your Personal Information in accordance with its privacy standards as well as any applicable laws.

3. Information We Collect (Your Information)

• We collect Your information during Your usage of Platform or when You avail any of the products or services available on or through Platform, either as a registered user or otherwise when you visit any of our other websites pages or mobile applications.
• The information collected may consist of:

1. Your Personal Information

• Your full name, age, address, email id, phone number, date of birth, gender, financial information, company name, address, health records and any other information we may seek from You. We collect Your Personal Information when You create an account at Our Platform or fill out a form or respond to a survey.

2. Your Non-Personal information

• Usage: How You use Our Platform, such as the types of content that you view or engage with, the features You use, your searches & results, Your browsing information, the actions You take and the time, frequency and duration of your activities.
• Device Information: Information about the computer, mobile, laptop, tablet or any other internet-enabled electronic device (”Device”) You use to access the Platform. This may include real-time information about the geographic location of Your Device as permitted by You, your internet connection, Your IP address, operating systems, platforms, browsing information, Device type, Device ID, network information, metadata and other information associated with other files stored on Your Device, last URL visited, your website search history.
• Preference: Your preferences and setting such as geographical location, time zone and language
• Information from third parties: We may collect, process and store Your user ID associated with any social media account (such as your Facebook and Google account) that You use to sign into the Platform or connect with or use the products or services. When You sign in to Your account with Your social media account information or otherwise connect to Your social media account with the Product or Services, You consent to Our collection, storage, and use, in accordance with this Privacy Policy, of the information that You make available to Us through the social media interface. This could include, without limitation, any information that You have made public through Your social media account, information that the social media service shares with Us, or information that is disclosed during the sign-in process. Please see Your social media provider's privacy policy and help centre for more information about how they share information when You choose to connect Your account.
  We may also obtain information about You from third parties such as partners, marketers, third-party websites and researchers and combine that information with information which We collect from or about You. We may use third-party service providers to serve ads on our behalf across the internet and sometimes on the Platform. They may collect information about Your visits to the Platform, and Your interaction with the products and services on the Platform.
• Cookies and other Electronic Tools: We may use cookies, pixel tags, web beacons, mobile device ids and similar files or technologies to collect and store information in respect to Your use of the Platform. You can erase or choose to disable/block these cookies through Your Device/browser settings. You can configure Your browser to alert You when we attempt to send You a cookie with an option to accept or refuse the cookie. If You have turned cookies off, You may be prevented from using certain features of the Platform and this may interfere with certain functionality of the Platform.

4.Communication

• We may contact You through email, mobile phone, notices posted on Our Platform and other ways including but not limited to text messages and push notifications. We may send You messages or emails about the availability of Our products and services, notifications, promotional messages, security, or other service-related issues. You may change Your communication preferences at any time.

5. Manner of storage of Your Information

• Your Information will mostly be stored in electronic form however certain data may be stored in physical form. We may store, collect, use and process Your Information within Republic of India and/or outside India subject to compliance under applicable laws. We may enter into agreements with third parties (in or outside of India) to store or process Your Information and such third parties may have their own security measures to safeguard Your Information which security standards as comparable with good industry practices.

6.Purpose of Collection, Storage, and Processing of Your Information

• We collect Your Information solely for the purpose of providing you the products or services that relates to the function or activity, which includes but not limited to the following (“Purpose”):
• To inform You about various products and services offered on Our Platform and provide customer support to You.
• To address Your queries and resolve your concerns pertaining to any product or service that You were looking for.
• To send You survey and marketing communications or facilitate various programmes and initiatives launched either by Us or a third party which We believe may be of interest to You.
• To facilitate Your usage of the Platform (what features You like, how You use the, etc.) And improve Our products or services, or any other content on the Platform (such as by personalizing content to your interests), process and complete your transactions, and make special offers.
• To review Platform performance, diagnose technical problems and do data analysis to make Your experience better.
• To protect the integrity of Our Platform.
• To inform You about changes in any term and condition of this Privacy Policy or Terms of Use of any Platform of our Companies.
• To implement information security practices, to determine any security breaches, contaminants or computer viruses, to investigate/prevent/take action against illegal activities and suspected fraud.
• To carry out Our obligations and enforce Our rights arising from any contracts entered between You and Us.
• To allow You to participate in interactive features offered through Our Platform.
• • To contact You about Our own and third-party products and services that may be of interest to You. If You do not want Us to use Your Information in this way, please check the relevant box located on the form on which We collect Your data and/or adjust Your user preferences in Your account profile.
• To produce and share aggregate insights and statistics that do not identify You.
• To enable Us independently or in association with a third party to show You tailored ads that are relevant to You.
• To enable Us to display advertisements to our advertisers'/service providers' target audiences. Even though We do not disclose Your Personal Information for these purposes without Your consent, if You click on or otherwise interact with an advertisement, the advertiser may assume that You meet its target criteria.
• To help advertisers and other partners measure the effectiveness and distribution of their ads and services and understand the types of people who use their services and how people interact with their websites, apps and services.
• In any other way We may describe when You provide the Information.
• For any other purpose with Your consent.

7. Sharing, Transfer or Disclosure of Your Information

• Any service or product provided through Our Platform may be provided either by us or our vendor, dealer, channel partners and other third parties (“Other Entities”) which are registered with us to render the services or provide products through Platform or otherwise. You acknowledge and agree that we may share, disclose, transfer or part with Your Information to Other Entities depending upon the type of Product or Service You are looking for or for one or more of the permissible purposes. We may also share Your Personal or Non-Personal information where it is required to share the same with such Other Entities for providing you the product or service and You provide Your unconditional consent to do the same.
• We may share statistical data and/or other Non-personal Information or details to facilitate various program or initiatives launched by us, third party service providers, partners or financial institutions, from time to time.
• We use other third parties such as a credit/debit card processing company, payment gateway, pre-paid cards etc. To enable You to make payments for buying products or availing services on Platform. When You sign up for these services, You may have the ability to save Your card details for future reference and faster future payments. In such case, We may share Your relevant Information as necessary for the third parties to provide such services, including your name, residence and email address. The processing of payments or authorization is solely in accordance with these third parties policies, terms and conditions and we are not in any manner responsible or liable to You or any third party for any delay or failure at their end in processing the payments.
• In addition to this, we reserve the right to share Your Information with any Government Agency or other authorized law enforcement agencies (leas) mandated under law to obtain Your Information for the purpose of verification of identity or for prevention, detection, investigation including but not limited to cyber incidents, prosecution, and punishment of offences etc.
• We may process Your Information outside India ad relay on legally provided mechanisms to lawfully transfer Your Information across borders.
• We may share Your Information in any other circumstances where We have Your consent.

8. Third-Party Links

• It is clarified that while Your use to Our Platform, You might see links to the third-party website/advertisements/electronic communication services, which are provided by third parties. As the operation of the third party is not under the control of our Company, therefore we do not make any endorsement/guarantee of any service or product offered through third-party websites nor make any representation related to any privacy policy or other policies of such third party. Any usage of such third-party website or availing any service or product through a third party shall be at Your risk and we is not responsible for any loss/damage or otherwise. It is recommended that You should review the privacy policy of such third-party websites prior to using such websites.

9. Security Measures

• We take utmost care to secure Your Information from unauthorised access, usage or disclosure or alteration. We take appropriate steps and security measures to safeguard Your Information and make sure that Your Information is secured as mandated by law. For this purpose we adopt reasonable security practices and procedures, in line with the industry standard, to include, technical, operational, managerial and physical security controls in order to protect your personal information from unauthorized access, or disclosure while it is under our control. While We protect Your Personal information as per industry standards, You acknowledge that the internet or computer networks are not fully secure and that We cannot provide any absolute assurance regarding the security of Your Personal Information. Therefore, You acknowledge that You shall not hold us responsible in any manner whatsoever for the loss of Your Information, or any other data, which You share with Us or which We have with Us if such loss or any damage is caused to You because of Force Majeure events. You further acknowledge that any information (including your personal information) transmitted to Us or from Your use of the platform will therefore be at Your own risk. It is clarified that Force Majeure events include any event which is beyond our reasonable control, which may include but is not limited to sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to a computer, computer system or computer network, computer crashes, breach of security and encryption.

10. Your Choices to Control Your Personal Information

• Change or Correct: We take all endeavours to update Our records with the latest information as provided by You, however, if you see any discrepancy in Your Personal Information, You may edit some of Your Personal Information or contact Us through Our Data Protection Officer / Grievance Officer to have Your Information updated with Us.
• Object to, or Limit or Restrict, Use: You can ask Us to stop using or to limit Our use (in partial or full) of Your Personal Information (past, existing or future).
• Deletion: You can ask Us to erase or delete (in partial or full) Your Personal Information (past, existing or future).
• Right to Access: You can ask Us for a copy of Your Personal Information.
• Account Closure: If You choose to close Your Account, We will delete your Personal Information or de-identify it so that it is anonymous and not attributed to your identity. We will retain your Personal Information after You have closed Your account if reasonably necessary to comply with Our legal obligations (including law enforcement requests), meet regulatory requirements, resolve disputes, maintain security, prevent fraud and abuse, enforce Our User Agreement, or fulfil Your request to “unsubscribe” from further messages from Us. We will retain de-personalised information after your account has been closed.
• Withdraw Consent/Opt-out: At any time, you can withdraw consent that You have provided to Us by going to your account settings, if you have an account with us or otherwise you may request for Withdrawing your consent by writing an email to us contact@microinsurenceinnovation.com. We will only collect and process Personal Information about You where We have lawful bases. Lawful bases include consent (where You have given consent), contract (where processing is necessary for the performance of a contract with You (e.g.to provide services you have requested)) and “legitimate interests”. Where We rely on Your consent to process Personal Information, you have the right to withdraw or decline Your consent at any time and where we rely on legitimate interests, you have the right to object.

11. Authorisation:

• You also acknowledge that all the information provided by You are out of Your free will and in compliance with applicable laws in Your territory. If We found that any of Your Information is in non-compliance with the terms and conditions and Privacy policy, we reserve the right to remove your non-compliant information from its systems. Further, depending on the seriousness of the non-compliance, We may choose to discontinue some or all of the services being provided to You by Us. In purview of the Telecom Regulatory Authority of India (TRAI) guidelines, You hereby authorize us and our affiliates/partners or otherwise who are accessing Your Information by virtue of their association with us to communicate with You through telephone/mobile, Email, SMS or other modes of communication (now available or may be available in future) even if Your number/numbers(s) is/are registered in the National Do Not Call Registry (NDNC) or www.nccptrai.gov.in

12. Change in terms of Privacy Policy:

• We reserve the right to amend or modify this Privacy Policy in any time, as and when the need arises. We request you to regularly check this Privacy Policy from time to time to keep you apprised of changes made. Your continued use of the Platform gives your unconditional acceptance of such change in terms of the Privacy Policy.

13. Contact details

• • Thank you for reading our Privacy Policy and thank you for choosing our Platform. If you have any concern related to this Privacy Policy or collection, storage, retention or disclosure of Your Information under the terms of this Privacy Policy or Terms of Use or any other terms and conditions or our other business entities including any queries or grievances, You can contact to us through its Data Protection Officer / Grievance Redressal Officer at the below-given details:
• Name: Ms. Hari Vandana and Ms. Srishti Agarwal
• Address: H.No-1-98/21/B, Flat 5A, TR Square, Jai Hind Gandhi Road, Madhapur, Hyderabad, Madhapur, Hyderabad, Shaikpet, Telangana, India, 500081
• E-mail: vandana@micronsure.com; srishti@micronsure.com
• Mobile No:+91 8247898747 & +91 9533420302
• Working Days: Monday to Friday
• Working Hours: 10:00 am to 6:00 pm

14. Disputes

• Any disputes over inter alia collection, storage and handling of Personal Information will be governed by this Privacy Policy, Terms and Conditions and by the laws of India and courts of Hyderabad shall have exclusive jurisdiction.

DISCLAIMER FOR E-MAIL

This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please revert. Details shared in this mail may contain insurance, investment advice or product information which is authentic to the best of our knowledge and as shared by the insurance company to us, kindly use it at your own risk. We encourage you to consult with the appropriate professionals or Insurance company in case of any dispute or confusion or please write us to __________________ or give a call to _________________. Insurance is the subject matter of the solicitation. Product information is solely based on the information received from the insurers. For more details on risk factors, associated terms and conditions, and exclusions, please read the sales brochure carefully of the respective insurer before concluding anything.

IRDA Statutory Requirement: Beware of Spurious Phone Calls and Fictitious / Fraudulent Offers IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such mails are requested to lodge a police complaint along with details of email received.