Privacy Policy
We, Kshema General Insurance Limited, are
committed to protect any personal information that We may receive while You
access our website and mobile application. We believe it is important for you
to know how we treat information about you that we may receive when you engage
with us.
Definitions
Kshema or Company or Us or We- refers to
Kshema General Insurance Limited.
Privacy Policy means this Policy.
You or Your or User(s) means the person(s) visiting/accessing
the Website/Mobile Application in any capacity.
Website – refers to https://kshema.co
Mobile Application – refer to Kshema App
Services – all services made available by Kshema through its
Website and Mobile Application.
Personal Data or Information means any data or information about an individual who is identifiable by or in relation to such data;
Cookies are small files that are placed on your computer, mobile
device or any other device by a Website or Mobile
Application for record-keeping purposes. These are also known as browser
cookies or tracking cookies, they are small, often encrypted text files,
located in the browser of your device(s).
Applicability
This Privacy Policy is applicable to all
users/visitors/viewers of the Website. This statement and the Policy outlined
herein are not intended to and do not create any contractual or financial or
any other legal rights in favour of any User or viewer or any other party.
Please read this Privacy Policy carefully. By
using any of the Services, You represent that You have
read and understood the terms and conditions of usage, which includes this
Privacy Policy, and You agree to be bound by all its terms.
Managing,
Collecting/Receiving and Storing Personal Information
All data and information collected by US from
You or otherwise will be transferred and stored in secure servers of the Company
and/or in servers leased and/or licensed by the Company for any duration. The
Company may at its discretion and/or requirement keep copies of such data and
information at multiple locations and/or on the Company’s main servers for
processing of the said information and data. You hereby grant your consent to the
storage, processing, and application and/or use of your personal data and/or
information received by the Company including through use of cookies.
We
receive both information that is directly provided to Us by You or received
through lawful means, when You visit the Website/ Mobile Application, and
information that is passively or automatically collected from You.
To
avail the Services, We require and collect Personal
Information, such as name, address, e-mail address, telephone number, age,
gender, Aadhaar number, Aadhaar indentifier or
business details or biometric information, password, financial details such as
bank name, account number etc any other document which is required to comply
with KYC norms.
The other automatically collected information such
as
Technical information, including
the Internet protocol (IP) address used to connect your computer to the
Internet, your login information, browser type and version, time zone setting,
browser plug-in types and versions, operating system and platform, search
preferences, service preferences, etc., and any other information that may
generally be collected during use of Company’s Services including while
accessing the Company’s website and/or mobile phone application based services
of the Company;
Information about your visit,
including the full Uniform Resource Locators (url),
clickstream to, through and from our site (including date and time), products
you viewed or searched for, page response times, download errors, length of
visits to certain pages, page interaction information (such as scrolling,
clicks, and mouse-overs), methods used to browse away from the page and any
phone number used to call the Company’s customer service number, etc.
The Company will store small
text files called Cookies in your device in order to
enable various features of Our applications. These are used to store user
preferences and trends to improve user/viewer experience. You have the option
to change Your Browser settings to accept or not accept Cookies and depending
on which You agree to our use of any information collected by us through that
Cookie. Any such information collected through Cookies will only be used for
improving the Website/ Mobile application experience.
The Company or its service providers may also use
"web beacons" or clear GIFs, or similar technologies, which are small
pieces of code placed on Our Website or in an email, to monitor the behaviour
and collect data about the visitors viewing Our Website or email.
IP addresses help Us customise
your visit to Website or Mobile Application since they are tied to personally
identifiable information. We confirm that this information is not shared with
third parties, for their promotional purposes, except as provided under
Disclosure of Information clause. When You download or use our Mobile
Application, we also collect various device specific details like Device ID and
Device Accounts including third-party accounts or MAC-address. This data is
used to resolve technical difficulties and to provide you with the correct and
most recent version of Mobile Application.
When You download or use Mobile
Application, We may receive information about Your
location and Your mobile device, including a unique identifier for Your device.
We may use this information to provide You with location-based services, such
as advertising, search results, and other personalized content. If you wish to
opt out of location services, you may do by changing Your mobile phone
settings.
You hereby
grant your consent to the storage, processing and
application and/or use of your personal data and/or information received by the
Company including through use of cookies.
Use and disclosure of Your
Personal Data
The Personal Information collected or received
from You may be used by Us for certain lawful purposes connected with our
business operations, functions and provision of the
Services, which include but are not limited to:
· To provide and maintain our Service, including to monitor the usage of our Service.
·
In the
normal course of business to enforce the terms and conditions of Services
· To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
·
In order to send You periodic communications (this may include e-mail), about
features, products and services, events and special offers. Such communications
from Us may include promotion of programs being organized by third parties on
our website.
· To provide You with news, special offers and general information about other goods, services and events which We offer that are similar to those that You have already purchased or enquired about unless You have opted not to receive such information.
· To attend and manage Your requests to Us, while dealing with requests, enquiries or complaints and other customer care related activities and all other general administrative and business purposes
· We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
· We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, advertising and to evaluate and improve our Service, marketing and Your experience.
·
Verification
of Your identity as per prevalent laws and regulation.
·
Performance
of outsourced non-core activities as defined under the IRDAI guidelines.
·
Sharing
with reinsurers who may have offices located outside India.
·
Protect, enforce and defend our rights or
property.
·
Prevent or investigate possible wrongdoing in
connection with the Service.
·
Protect the personal safety of Users of the Service
or the public.
·
Provide
technical support for the Website or Mobile Application in connection with
Services.
·
Prevent
fraud or potentially illegal activities (including, without limitation,
copyright infringement) on or through Website or Mobile Application or
Services.
Protect the safety of Our other subscribers or users.
·
We may
share the User information with Our affiliates or group companies, so they can
provide, improve and communicate with You about their
own, or their marketing partners’ products and services.
·
Address
network integrity and security issues.
·
Carrying
out any activity in connection with a legal, governmental or regulatory
requirement, for the purpose of compliance of a legal obligation, in connection
with legal proceedings, in connection with prevention, detection, investigation
including cyber incidents, prosecution, and punishment of offences, protect and
defend Our rights or property or act in an emergency to protect safety or to
help investigations, monitor or prevent or take action regarding unlawful and
illegal activities/suspected fraud/potential threat to the safety or security
of any person.
·
Carrying
out activities connected with the running of Our business such as personnel
training, quality control, network monitoring, testing and maintenance of
computer and other systems and in connection with the transfer of any part of Our
business in respect of which You are a customer or a potential customer.
·
The
information may be processed by the Company’s staff, third parties, suppliers,
service providers, partners, agents
etc., subject to confidentiality obligations and restrictions.
You
may inform Us at any time not to share Your Personal Information with third
parties by sending us an e-mail or message at info@kshema.co
By sharing your Aadhaar number, you hereby consent to the Company’s
collection, usage and storage of your Aadhaar number,
Virtual ID, e-Aadhaar, XML copy, Masked Aadhaar, demographic information,
identity information, Aadhaar registered mobile number, Aadhaar registered
address, date of birth; as per applicable laws/regulations (may collectively be
known as - “Aadhaar Information”) for the following purposes:
Security of Your Personal Data
The security of Your Personal Data is important to Us. We will
implement the security practices, procedures, principles
and standards as per Cyber Security Policy of the Company in line with the best
practices, standards and prevailing regulations around information security in
compliance.
Any
transmission of data over internet is not completely secured and hence, We do not guarantee the security of the data transmitted via
internet. The Company will take all reasonable steps and measures to keep all
data and information received by it, secured and
protected as required under the laws of India, however the Company does not
assume any responsibility or liability for data and/or information transmitted
through use of any electronic means including internet, phones, emails etc. and
such transmission is at your own risk.
It is
cautioned that You choose Your passwords carefully such that no unauthorized
access is made by another person. To make the password difficult and complex
for others to guess, You may choose a combinations of alphabets, numbers,
special characters like $.#,@,* etc. Do not share your
user name and password to anyone and maintain the
absolute confidentiality of your login credentials.
Linked
Services
Our
Website may contain links to or integrations with
other services such as Facebook, Twitter, LinkedIn, and other media services
and platforms whose information practices may be different than Ours. Users
should consult these other services' privacy notices as we have no control over
information that is submitted to, or collected by, these third parties.
Our
website may contain links to other websites of interest. Should you wish to
visit or brows such other websites, it is clarified here that we do not have
any control over collection, usage and storage of your information, which you
give while visiting or browsing those website and nor
we take any responsibility of any information provided on their websites. It is
cautioned that User must read and understand their privacy policies.
Controlling
your personal information
You
may choose to restrict the collection or use of Your personal information in
the following ways:
·
Whenever
You are asked to fill in a form on the website, look for the box that You can
click to indicate that You do not want the information to be used by anybody
for direct marketing purposes.
·
If
You have previously agreed to Us using Your personal information for direct
marketing purposes and do not wish to continue for such use, You
may write to Us at info@kshema.co.
·
We
will not sell, distribute or lease your personal information to third parties
unless we have your permission or are required by law to do so.
If You believe that any information, We are holding on You is incorrect or
incomplete, please email us as soon as possible at info@kshema.co, We will promptly correct any information found
to be incorrect.
We will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
We will collect financial information such as credit card number and expiration date through the payment gateway of the credit card company or the internet banking service of your bank, but We do not store these information in our database.
We also retain Usage Data for internal analysis purposes after anonymizing and removing all linkages with User. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Acceptance
of the Policy
By
visiting Website or Mobile Application, signing up or logging into , updating information on Website or Mobile
Application, You acknowledge and unconditionally accept this Privacy Policy.
Field Assist App
“This
app uses GPS to track the POSP's location in real-time. This allows Reporting
managers to see where their POSPs are and how long they spend at each location.
This Feature is used for (Real-Time Tracking, Historical Location Tracking)
Purpose of Real-time tracking of employees includes (Safety and Security,
Efficiency, Productivity, Service, Resource Allocation, Remote Work
Monitoring). For details, check our privacy policy”.
Change
of Policy/ Updates
We may change or alter, modify, add to, or remove any portion of this Privacy Policy
from time to time on the sole discretion of Kshema and You should check the
Privacy Policy every time you visit Our website or Mobile application.
Your
use of the Website and Mobile Application will be deemed an acceptance of the Privacy
Policy existing at that time.
Privacy
Policy Grievance Officer
While, we
will strive to ensure You do not have any grievance, should You have any, You may address the same to the Grievance Officer, whose
contact details have been published on our website.
Name : Mr. Narendra Nadella
Designation : Information Technology Grievance Officer
Contact e-mail: narendra@kshema.co
Disclaimer: Information, content
and materials provided on the Website or Mobile Application are on an “As Is”
basis and We do not make any express or implied representation or warranty
regarding the accuracy or completeness of the same.