Privacy Policy
BimaGuru Insurance Brokers Private Limited including online platform(s), its mobile application/web applications owned by the Company (‘Website’) (hereinafter referred as “BimaGuru”) recognizes the importance of maintaining your privacy. BimaGuru is committed to maintain the confidentiality, integrity and security of all information of our users. This Privacy Policy describes how BimaGuru 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, and POSP agents. By visiting and/or using our website, you agree to this Privacy Policy.
By using our website and/or registering yourself at the Website or any other web domain owned by the Company, you authorize us to contact you via email or phone call or SMS or WhatsApp or any other electronic medium and offer you the services for the product(s) you have opted for based on your needs, impart product knowledge, offer insurance solutions, offer other promotional offers running on Website. Irrespective of the fact that you have registered yourself under DND or DNC or NCPR service, by registering on the Website, you still authorize us to give you a call from BimaGuru Insurance Brokers Pvt Ltd, its affiliates, holding, subsidiaries and group companies, POSP partners, insurers associated with us or otherwise, By registration, you also authorize us to send Messages/SMS/Email alerts to you for your login details and any other service requirements or some advertising messages/emails from us.
Collection of Personal Data
When you use our website, we collect and store your Personal Information as provided by you from time to time. Our primary goal in doing so is to provide you a safe, efficient, smooth and customized experience. We collect Your information during Your usage of Platform or when You avail any services available on or through Platform, either as a registered user or otherwise when you visit any other website pages or other mobile applications. In general, you can browse the Website without telling us who you are or revealing any personal information about yourself. Once you give us your personal information, you are not anonymous to us. We may collect Personal Information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, place an order, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Personal Information would include name, email address, mailing address, or phone number. If User transacts on the Site, we may collect additional Personal Information such as billing address, a credit / debit card number, expiration date, and/ or other payment instrument details and tracking information from cheques or money orders. We may collect non-personally identifiable information about Users such browser name, operating system, name of ISP, etc., with the goal of improving our Service.
Cookies
A “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user.
We place both permanent and temporary cookies in your computer’s hard drive. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent.
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.
Use of your information
We may use your Personal Information for the following purposes:
- To personalize user experience,
- To improve our Site, products and services we offer,
- To issue your policy,
- To process payments,
- To improve customer service,
- To send you information and updates pertaining to your order,
- To send periodic emails in the form of a newsletter, updates about our products or other promotions. Email unsubscribe instructions will be included at the bottom of each email or User may contact our support team.
- To contact you via email or phone on your contact details provided to offer you information and services pertaining to the product you have opted for. You authorise us to call you for the mentioned purpose for a period of up to 30 days irrespective of whether you are registered with the NDNC registry.
Protection of your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your Personal Information and data stored on our Site.
Sharing your personal information
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:
- 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.
- BimaGuru shall transfer information about you in case BimaGuru is acquired by or merged with another company.
- Where we need to comply with a legal obligation as per applicable legal and regulatory framework.
- BimaGuru proposes to share such information within its group companies and officers and employees of such group companies for the purpose of processing personal information on its behalf. We also ensure that these recipients of such information agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.
WE DO NOT SELL YOUR PERSONAL INFORMATION WITH ANY THIRD PARTY FOR ANY PURPOSE WHATSOEVER.
Links to third party websites
Users may find advertising or other content on our Site that link to the sites and services of our partners and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.
Links to third party websites
By using the Website and/ or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.
If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. We encourage you to frequently check for any change in these terms.
“I hereby authorize, and give consent to BimaGuru Insurance Brokers Private Limited to send me, either through itself or through any third party service provider, from time to time various information / alerts / SMS/ other messages or calls or commercial communication, and other services on the aforesaid listed telephone numbers, whether these numbers are registered with National Do Not Call Registry/ listed in the National Customer Preference Register or not. I also confirm that by sending any such messages / calls I will not hold Company or its authorised third party service provider liable/ institutecomplaint against under the Telecom Commercial Communications Customer Preference (TRAI) Regulations, 2010 or such other applicable regulations including any amendment thereof, as maybe applicable from time to time.”Changes in this Privacy Policy
BimaGuru 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.
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.
Complaints & Grievance
If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any information that we have collected about you, please e-mail your request to the info@bimaguru.in.
“For any complaints, service related issues or policy/claim related issues, customers can reach us on or write to us at info@bimaguru.in. For further escalation, customers can write to us at info@bimaguru.in“
For more details on complaints and grievances, customers are requested to visit https://www.policyholder.gov.in