Aapka Policywala Insurance Brokers Private Limited, referred to as “Aapka Policywala” in the following Privacy Policy statement, is committed to safeguarding the privacy of its users accessing and using services on any of its platforms, including but not limited to ‘www.aapkapolicywala.com’ and other affiliated channels (collectively referred to as “Platform”). This Privacy Policy outlines how we collect, use, store, process, transfer, share, and protect your information when you use our Platform or engage with Aapka Policywala in any capacity.

This Privacy Policy is an electronic record under the Indian Information Technology Act, 2000 and its amendments. It does not require any physical signature or seal. The terms “We,” “Us,” and “Our” refer to Aapka Policywala, and “You,” “Your,” and “Yourself” refer to the users of our Platform.

Acknowledgment

PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING OUR PLATFORM, YOU AGREE TO THIS PRIVACY POLICY AND CONSENT TO THE COLLECTION, USE, STORAGE, PROCESSING, SHARING, AND DISCLOSURE OF YOUR INFORMATION AS DESCRIBED HEREIN.

You confirm that you have the legal authority to share your information with us and acknowledge that our handling of this information will not cause any harm or loss to you or others.

IF YOU DISAGREE WITH ANY PART OF THIS PRIVACY POLICY, PLEASE DO NOT USE OUR PLATFORM OR SERVICES.

Additional Terms for Life Insurance

●      You acknowledge that this is a new policy, and no benefits from previous policies apply.

●      You confirm that you have not been promised any unauthorized benefits, bonuses, or loans.

●      You declare that you are not under any undue influence to accept these terms, and you understand that the policy will not be canceled for any such reasons.

Topics Covered

This Privacy Policy covers:

●      The types of information we collect from you.

●      The purpose of collecting, storing, processing, or transferring your information.

●      Security measures to protect your information.

●      How we disclose, share, and transfer your personal information.

Information We Collect (Your information)

Personal Information: This includes your full name, age, address, email, phone number, date of birth, gender, financial information, and other data. We collect this information when you create an account, fill out forms, or respond to surveys.

Non-Personal Information: This includes your usage patterns, device information (such as IP address, operating system, browser type), preferences and information from third-party sources, such as social media accounts linked to our platform.

Cookies and Electronic Tools: We use cookies, web beacons, and similar technologies to collect information about your use of our platform. You can control the use of cookies through your browser settings.

Communication

We may contact you through various means, including emails, mobile phone, notices on our platforms, text messages, push notification, or other modes. We

may send messages or emails regarding the availability of our services, notifications, promotional messages, security alerts, or other service-related issues. You hereby override your NDNC registration. You may change your communication preference at any time.

Manner of Storage of Your Information

Your information will predominantly be stored in electronic forms, although certain data may be stored in physical form. We will store, collect, use and process your information within the Republic of India in compliance with applicable laws. We may enter into agreements with third parties within India to store or process your information. These third parties will have security measures to safeguard your information comparable to good industry practices.

Purpose of Collection, Storage, Processing of Your Information

Aapka Policywala collects your information solely for the purpose of providing you services connected with its functions or activities, including but not limited to:

●      Informing you about various insurance products and services offered on our Platform and providing customer support.

●      Addressing your queries and resolving concerns related to any insurance product or service you are seeking.

●      Facilitating various programs and initiatives launched by us or third parties which we believe may interest you.

●      Enhancing your experience on our Platform by personalizing content, improving services, processing transactions, and offering special deals.

●      Reviewing Platform performance, diagnosing technical problems, and performing data analysis to improve your experience.

●      Protecting the integrity of our Platform.

●      Informing you about changes to any terms and conditions of this Privacy Policy or Terms of Use of any Aapka Policywala Platform.

●      Implementing information security practices to detect security breaches, contaminants, or computer viruses, and investigating/preventing/taking action against illegal activities and suspected fraud.

●      Keeping you informed about news, events, and ideas relevant to your preferences, helping you improve your knowledge and skills regarding preferred content.

●      Carrying out our obligations and enforcing our rights arising from any contracts entered into between you and us.

●      Allowing you to participate in interactive features offered through our Platform.

●      Contacting you about our services that may be of interest to you. If you do not want us to use your information in this manner, please adjust your user preferences in your account profile.

●      Producing and sharing aggregate insights and statistics that do not identify you.

●      Any other purpose with your consent.

Sharing, Transfer, or Disclosure of Your Information

Any service provided through our platform may be rendered by Aapka Policywala or other entities. You acknowledge and agree that Aapka Policywala may share, disclose, transfer, or part with your information to other entities depending upon the type of service you are seeking or for one or more of the permissible purposes. Aapka Policywala may also share your personal or non-personal information where it is necessary to share the same with such other entities for providing you the service, and you provide Aapka Policywala with your unconditional consent to do so.

Aapka Policywala may share statistical data and other non-personal information to facilitate various programs or initiatives launched by Aapka Policywala, third-party service providers, partners, or financial institutions from time to time. We use third parties such as credit/debit card processing companies, payment gateways, prepaid cards, etc, to enable you to make payments for availing services on the platform. In such cases, we may share relevant information as necessary for 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 on their part in processing the payments.

In additional, Aapka Policywala reserves 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, investing including but not limited to cyber incidents, prosecution, and punishment of offenses, etc.

We may process your information outside India and rely on a legally provided mechanism to lawfully transfer your information across borders.

We may share your information in any other circumstances here we have your consent.

You hereby grant unconditional and unequivocal consent and authorized Aapka Policywala, while acting on your behalf for facilitating the transition on the platform, to make use of your vehicle registration number or any other vehicle details as submitted by you on the platform, to retrieve the information in relation to your motor vehicle or to confirm/verify respective vehicle details from government of third-party website and application through the use of technological solutions of any other method, either by Aapka Polciywala itself or through third party service providers.

Controller of Personal Information

Aapka Policywala is the controller of your personal information. We are responsible for the collection, use, disclosure, retention, and protection of your personal information in accordance with our privacy standards and applicable laws.

Purpose of Collection and Use of Information

We collect your information to:

●      Inform you about insurance products and services.

●      Provide customer support.

●      Address your queries and resolve concerns.

●      Facilitate your use of our Platform and improve our services.

●      Ensure the security and integrity of our Platform.

●      Notify you about changes to our policies.

●      Prevent and address illegal activities and suspected fraud.

●      Sharing and Disclosure of Information

We may share your information with third parties to provide service, comply with legal obligations, enforce our terms, or protect our rights and safety. We may also share aggregate, non-personal information for various purposes.

Security Measures

We implement industry-standards security practices to protect your information. However, no internet or network-based service is completely secure. You acknowledge that you use our platform at your own risk.

Your Rights and Choices

You have the right to:

●      Access and update your personal information.

●      Object to or restrict the use of your information.

●      Request the deletion of your information.

●      Withdraw your consent for data processing.

●      Close your account and request data deletion.

●      Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Please review it periodically. Your continued use of our Platform constitutes acceptance of any changes.