Privacy Policy

INTRODUCTION

This Privacy Policy sets out how the information provided by you is collected, used, stored, processed, transferred and protected. Please read the terms carefully. By accessing the Website or using any of our services, you agree to be bound by all the terms of this Privacy Policy.

For the purposes of this Privacy Policy, ‘we’, ‘us’, ‘our’, ‘Apnasecure’ and “Company” refers to Prosales Financial Services Private Limited. (Including its representatives, POSP Partners and Affiliates) and ‘you’ refers to the employees both permanent and contractual in nature, probationers, contractors, vendors, agents, consultants, advisors, interns, trainees, customers and users of the services provided at all levels by the Company.

"Affiliate" means any Person directly, or indirectly through one or more intermediaries, that Controls, is Controlled by or is under common Control with Apnasecure Insurance.

"Control," as used in the immediately preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person.

"Person" includes any natural person, corporation, partnership, Limited Liability Company, trust, unincorporated association or any other entity.

By using our website-apnasecure.com (“Website”)/mobile application-apnasecure.com (“App”) and/or registering yourself at the Website/App 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/App. Irrespective of the fact that you have registered yourself under DND or DNC or NCPR service, by registering on the Website/App, you still authorize us to give you a call from ApnaSecure, Prosales Financial Private Limited, 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. "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 Data Grievance Officer."

INFORMATION WE COLLECT

We will collect the following information from you

  • Personal Information that will mean and include all kind of information which can be linked to a specific individual or to identify any individual, directly or indirectly, such as name, age, address, contact details (phone numbers/ email address), date of birth.
  • Clickstream data that includes information about your interaction with various elements of our Website and App.
  • If appropriate permissions are provided by you, we collect the GPS location on various platforms that you use the service on App/Website. Location might be collected at certain times that might depend on your App/Website usage or the time of the day.
  • Vehicle information whenever opting for motor insurance.
  • Health and lifestyle information which is collected only as per the requirements of the insurer to underwrite the proposal as per the guidelines of Insurance Regulatory and Development Authority of India (“IRDAI”) for health & life insurance.
  • Health and lifestyle related questions/information, which are mandated by the insurance company for the purpose of issuing insurance policy.
  • Details required in a KYC document which is the mandatory document as per the guidelines of IRDAI.
  • Documentary proof/information of educational qualifications, wherever applicable
  • Financial data including bank account number, IFSC Code.
  • Constitution details of a vendor including without limitation, name, office address, Articles of Association.
  • Biometric Information, wherever applicable.

PURPOSE, USE AND STORAGE OF COLLECTED INFORMATION

The information/data collected (as mentioned above) may be used for analytics to ultimately improve our service offerings to you. It helps us to find geographical areas that might require a higher degree of support, provide appropriate leads or personalize the App/Website experience. The information/data is also collected for the purposes of providing proper services, verification of the identity and usage information.

Information collected will be used for the following purposes:

  • For issuance of the insurance policy that you have opted for.
  • For providing information about various products and services.
  • For addressing queries put forth by you and for resolving the concerns pertaining to any service or product.
  • For processing your transactions and also to provide you transaction and post transaction-related services.
  • For providing, improving, and marketing our products and services, including site content and performance.
  • For sending you survey and marketing communications.
  • For facilitating various programmes and initiatives launched either by us or third party which we believe may be of an interest to you.
  • For facilitating usage of our Website/App.
  • For improving our services, product or content on our Website/App.
  • For providing group insurance cover and wellness corner offerings.
  • For providing health and wellness related information to you that are offered by insurer.
  • For sending notices, communications, offer alerts and to contact you over the telephone/mobile number and/or e-mail address provided by you for sending information of our products in which you have shown your interest, policy renewal reminders, other service details and other general information about insurance.
  • For appointment as Point of Salesperson /employee
  • For payment of salary/commission earned and related circumstances therein.

For verification purposes.

  • For the purpose of joining of the employee and for validation of the details of the curriculum vitiate.
  • For bank account details will be used for the purpose of salary/commission credit to employees/POSP and for payment to vendors/suppliers
  • For biometric information for attendance purposes
  • To improve our products and enhance customer service
  • To extend services or administer a contest, promotion, survey or other site or business feature.
  • For Aadhaar authentication and sharing, storing, using Aadhaar data
  • For sales and marketing Activities
  • Allow you to access specific account information.
  • To process transactions, where requested, under your User ID and Password All the data/information collected may be stored on the infrastructure provided by third party cloud service in India which is fully compliant with regulatory requirements within. No information/data that is collected ever goes out of India.

INFORMATION SHARING AND DISCLOSURE

We will not share the information that we have collected from you to anyone other than as specifically noted herein below:

  • For the purpose of facilitating sale and servicing of insurance products to you, as an insurance broker, we provide your personal information to the insurers that are chosen by you on the App or Website.
  • Otherwise, then stated in clause 4f herein below, we do not share or disclose the information to any other individual/institutions and their subsidiaries/associates/holding company/ subsidiaries companies/ group companies/ affiliates, tie-up institutions etc. for any purpose unless such a disclosure is explicitly authorised by you.
  • Where information collected by us is required to be disclosed to comply with any applicable law, regulation and legal process; in response to law enforcement authority or other governmental official request; to detect, prevent, or otherwise address fraud, cyber incidents, prosecution, and punishment of offences; for security or technical issues; to investigate a complaint or security threat and for any public interests.
  • For marketing purpose but only under circumstances where you have specifically authorized or consented for the same.
  • Where we are required to disclose the information as a part of any statutory obligation to IRDAI or any other statutory authority.
  • We may share and/or transfer your information to any of our Affiliate, holding/ subsidiaries/ group companies and/or insurers. Our affiliates, holding/ subsidiaries/ group companies may also from time to time send by e-mail or otherwise, information relating to their products or services.
  • We may also share and/or transfer your information to any successor-in-interest as a result of a sale of any part of our business or upon the merger, reorganization or consolidation of Prosales Financial Services Private Limited with another entity on the basis that Prosales is not the surviving entity.
  • We may share personal information with our other corporate entities and affiliates to help us operate our business and the Site or administer activities such as detection of identity theft, fraud and other potentially illegal acts, to facilitate joint or co-branded services that you request where such services are provided by more than one corporate entity. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

Where you provide Personal Information of beneficiaries/dependents/other individuals to the Company, you agree (i) to inform the individual about the content of this Privacy Policy and (ii) to obtain any legally-required consent of Personal Information about the individual in accordance with this Privacy Policy

RIGHTS UNDER THE POLICY

The below-mentioned rights can be exercised by you as and when we obtain or hold personal information about you, or access personal information we hold about you, and for obtaining its correction, update, amendment or deletion in appropriate circumstances were permitted by applicable law or regulation. Some of these rights may be subject to some exceptions or limitations.

  • You have the right to Access your personal data held about you and to learn the origin of the data, the purposes and means of the processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed;
  • Withdraw your consent at any time where your personal data is processed with your consent;
  • Update and correct your personal data so that it is accurate;
  • Delete your personal data from our records if it is no longer needed;
  • Restrict the processing of your personal data in certain circumstances, e.g. where you have contested the accuracy of your personal data, for the period enabling us to verify its accuracy;
  • Obtain your personal data in an electronic format;
  • File a complaint with us and/or the relevant data grievance officer; and
  • Object to us processing your personal data, or tell us to stop processing it (including for purposes of direct marketing, survey etc)

The above rights can be exercised by you by approaching the Data Grievance Officer.

SECURITY MEASURES

Protection of your information is of paramount importance to us. We adopt appropriate data collection, storage and processing practices and security measures to protect against any unauthorized access, alteration, disclosure or destruction of your information, username, password, transaction information and any other information/data stored with us. Some of the security measures taken by us are as following:

  • The information collected by us is stored on servers that are secured behind a firewall. Further, the access to the servers is password-protected and is strictly limited.
  • All information transmitted to and from our server is fully encrypted.
  • We do not store any payment or cards related information on our servers. Your data stored in our systems is not visible to anyone.
  • All the communication with insurer is push-based, i.e. only required information is pushed to the insurer system. Insurer cannot pull out data from the system of Apnasecure.
  • Each proposal and the transaction that is done is tagged to a customer and agent through an email id which is then protected by a password. A policy will be accessible only to an agent or the customer.
  • Your personal information in apnasecure account is not visible to anyone. End-to-End encryption is used to transmit data between all entities, to protect against network vulnerabilities.

UPDATE/CORRECTION/DELETION OF INFORMATION

You have the right to access your personal information. You also have the right to request correction and deletion of the information shared by you. Changes can be made in system as and when there is any requirement for a change in the information. Personal information can be corrected, deleted or amended by contacting us. We will make efforts in good faith to make requested changes in our then-active databases as soon as reasonably possible. Thus, you may contact us through the Grievance Officer to have your information updated/corrected/deleted with us.

RETENTION PERIOD

All information collected by us will be stored with us as long as it is necessary for us to fulfil our obligations in respect of the provision of the services and in accordance with the applicable laws. Information collected by us can be retained by us if we believe it to be necessary to prevent fraud or future abuse; if required by law, for other legitimate purposes.

CONSENT

By using our website or by providing your information as mentioned above, it is assumed that you have provided your express consent to the collection and use of the information, which is disclosed in accordance with this Privacy Policy, including but not limited to, your express consent for sharing this information as per this Privacy Policy. We recommend that you do not use/access and/or continue to use/access the website, WAP service or app if you do not agree to the terms and conditions of this Privacy Policy You have an option to refuse giving your consent or take back your consent in a way as specified below:

OTHER SITES

There might be affiliates or other sites linked to our Website/App. Thus, when you visit those sites, the affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information.

ACCEPTANCE OF THESE TERMS

By using our Website/App, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy policy, please do not use our Website/App. Your continued use of our Website/App following the posting of changes to this Privacy Policy will be deemed as your acceptance of those changes.

DATA GRIEVANCE OFFICER

In case you have any grievances with respect to in accordance with applicable law on Information Technology and rules made thereunder, the name and contact details of the Grievance Officer are provided below:

Name: - Priyanka Tandon

Designation: - National Head, Insurance

Address: - 126, creative Industrial premises, Sunder Nagar, Kalina, Santa Cruz east, Mumbai 400098

Email: - support@prosales.in

For any queries or grievances pertaining to this privacy policy or collection, storage, retention or disclosure of your information under the terms of this Privacy Policy, you can contact the Grievance Redressal Officer at tandon.priyanka@andromeda.in.

Not-withstanding anything mentioned before, we reserve the right to contact you via any mechanisms, not limited to email, SMS, or phone calls, to solicit feedback of your experience and to provide any additional services that you would be eligible for, either as a customer or as a visitor. We should not be held liable for any damages occurring to you as part of feedback solicitation and additional service provision

CHANGES TO THIS PRIVACY POLICY

Prosales Financial Services Private Limited reserves the right to amend or modify this Privacy Policy at any time, as and when the need arises. We request you to regularly check this Privacy Policy from time to time to keep you apprise of changes made. Your continued use of the Website gives your unconditional acceptance to such change in terms of Privacy Policy.

Shipping and Delivery policy

A soft copy of the policy for any insurance product purchased through Apnasecure will be emailed to the email address supplied at the time of purchasing the Product. The insurance company, (with the exception of a few insurance product), will email you the soft copy.

Additionally, the insurance company will send a hard copy of the policy documentation via courier, within15 to 21 days of purchasing the insurance.

Cancellation and Refund policy

Refund Policy

The premium paid for an insurance product will be repaid through cheque or direct credit in accordance with the insurance provider's policy, which you have chosen to purchase the product from, in the event of a refund due to an incorrect transaction or cancellation.

Policy on Cancellations

In case an insurance policy is cancelled, the premium paid for an insurance product will be repaid through cheque or direct credit in accordance with the insurance company's policy that you have selected to purchase the merchandise from.

TERMS & CONDITIONS

Though all efforts have been made to ensure the accuracy and currency of the content on this website, the same should not be construed as a statement of law or used for any legal purposes. In case of any ambiguity or doubt, users are advised to verify/check or obtain appropriate professional advice

These terms and conditions shall be governed by and construed in accordance with the Indian Laws.

TERMS OF USE AGREEMENT

The owner of the website apnasecure.com is ProSales Financial Services Private Limited. The Indian Insurance Regulator, the Insurance Regulatory and Development Authority of India, has granted Prosales a broking license with the IRDAI License No. ………., which is valid until: ………….The Website provides consumers with tools and resources to make comparing and buying insurance coverage easy. By accessing and making use of the information, resources, services, products, and tools we offer, you acknowledge that you have read, understand, and agree to be bound by the following terms of use (hereinafter referred to as the "TOS Agreement") and our Privacy Policy.

Our Terms of Service Agreement becomes effective the moment you visit our website. You must agree to the updated or changed terms of service agreement in order to continue using or accessing the website. We reserve the right to do so at any time, at our sole discretion, and without prior notice.

Usage:

By using our website and the data, products, services, and tools we make available to you (collectively referred to as "Resources"), you consent to using those Resources only in accordance with the terms of this Terms of Service Agreement and/or any and all applicable laws, rules, and generally accepted online standards or practices.

Wherein, you understand that:
  • ● You could be asked for personal information (such name, address, contact information, automobile registration and purchase information, identity evidence like an Aadhar ID, etc.) in order to use our Resources. You promise to always give information that is true, current, and accurate.
  • ● By giving us your information, you expressly consent to our accessing your records from the appropriate authority, such as Aadhar, RTO, etc., on your behalf in order to facilitate your transaction with us.
  • ● You are in charge of protecting the privacy of any login details connected to any account you use to access our Resources. As a result, you are accountable for all actions taken through your account(s).
  • ● It is totally forbidden to access (or attempt to access) any of our Resources using a method other than those we provide. You particularly undertake not to use any automated, unethical, or unorthodox methods to access (or attempt to access) any of our Resources.
  • ● By giving us your information, you expressly consent to our accessing your records from the appropriate authority, such as Aadhar, RTO, etc., on your behalf in order to facilitate your transaction with us.
  • ● You are in charge of protecting the privacy of any login details connected to any account you use to access our Resources. As a result, you are accountable for all actions taken through your account(s).
  • ● It is totally forbidden to try to copy, replicate, reproduce, sell, trade, or resell our Resources.
  • ● Any such activity you carry out that, as previously mentioned, may cause us to suffer directly or indirectly may subject you to criminal or civil consequences.

LIMITATION OF LIABAILITY

You expressly acknowledge and agree that any claim you may have against us is limited to the amount you paid, if any. Prosales will not be held liable for any direct, indirect, incidental, consequential, or exemplary loss or damages caused as a result of your use of our resources. UNLESS OTHERWISE EXPRESSED, Prosales EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

PRIVACY

Your information is gathered, stored, and used by Prosales in compliance with its privacy policy. The Privacy Policy's terms and conditions are explicitly included into these Terms by this clause.

TERMINATION OF USE

You acknowledge and agree that we may, in our sole discretion, and with or without prior notice, suspend or terminate your access to all or a portion of our website and Resources for any reason, including but not limited to a violation of this User Agreement. Any alleged illegal, dishonest, or abusive behaviour may be cause to end your partnership. We reserve the right to remove or delete any data that you may have on file with us, including any account or login credentials, upon suspension or termination. Your right to access the Resources that we provide will also immediately end upon suspension or termination.

GOVERNING LAW AND JURIDICTION

This TOS Agreement and the Privacy Policy shall be governed and construed in accordance with the laws of the Republic of India, and the courts of Mumbai shall have exclusive jurisdiction over all matters and disputes arising out of or pertaining to the Site.

Contact Information:

If you have any questions or comments about the term and conditions outlined above, you can contact us at:

Address:

Contact no.:

Email:

PoSP