This privacy notice applies to all the services, websites, and applications offered by Anand Rathi Insurance Brokers Ltd. (collectively, the “Services”), but excludes services that have separate privacy notice that do not incorporate this privacy notice.

Anand Rathi Insurance Brokers Ltd. (“We” or “us”) that provides Insurance broking services, is primarily responsible for the personal information collected and held in relation to the Service. A description of Anand Rathi Insurance Brokers Ltd. Services and our contact details are available at: https://anandrathiinsurance.com/Home/ContactUs

What Personal information is collected from you?

When you visit our website or use our service, we gather PII (personally identifiable information) such as name, age, gender, email, telephone number, address, etc. You may be further requested to provide information in connection with your lifestyle preferences and health in general for the purpose of providing certain insurance related information, products and services.

HOW WE USE YOUR PERSONAL INFORMATION

We utilize your personal information to furnish you with comprehensive data and insights regarding various insurance schemes, policies, and related services available in the market for your benefit. We utilize your personal information to facilitate the requested services and ensure a seamless experience for you. We do not engage in the sale, rent, trade, or exchange of personally identifying information belonging to our users at any point. Your collected information may be shared with the insurance companies with whom we have contractual agreements, and contracted service providers to support the operational aspects of our services.

The purposes for which we use your personal information include resolving disputes, informing you about online and offline updates, customizing your experience, offering Products and/or services that may meet your needs as well as fulfilling other purposes communicated to you during the data collection process.

We encourage you to contact us to update or correct your information if it changes or if the personal information, we hold about you is inaccurate. We shall not be held liable in case you have shared the wrong contact number or e-mail ID.

INFORMATION SHARING

We may share your personal information with third parties for the purposes described in this privacy policy under the following circumstances:
● Service providers and business partners. We may share your personal information with our service providers and business partners for insurance solicitation, providing pre/post-sale services, claims servicing, and providing you with any other services as permissible under applicable laws.
● We may share your personal information when it is requested or required by law or by any court, governmental agency, or authority to disclose, for investigation where we believe to comply with legal and regulatory obligations. Additionally, we may share your personal information to enforce or apply any agreements between us and you, resolve disputes, or protect our rights or the rights of any third party.

INFORMATION SECURITY AND STORAGE

To protect your privacy and security, we always use industry-standard encryption technologies when transferring and receiving user data exchanged with our site. These measures are aimed at ensuring the ongoing integrity and confidentiality of personal information. “Please be aware that, despite our ongoing efforts, no security measures are perfect or impenetrable”.
We will keep your personal information as long as we have a relationship with you. Once our relationship with you has come to an end, we will retain your personal information for a period that enables us to:

● maintain business records for analysis and/or audit purposes;
● comply with record retention requirements under the law;
● defend or bring any existing or potential legal claims; and
● address any complaints regarding the Services.
We will delete your personal information when it is no longer needed for the purposes mentioned above. In cases where technical constraints prevent complete deletion, we will implement measures to prevent any further processing or use of personal information.

LINKS TO OTHER SITES

We may provide links to other websites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other website owners or the content or accuracy contained on those other websites. Links to other websites do not constitute or imply endorsement by us of those websites, any products or services described on those websites, or any other material contained in them. We advise that you contact any third-party websites directly for their individual privacy policies.

Collection of Non- Personal Information

We may automatically gather non-personal information about you, including details such as internet protocol (IP) addresses, browser type, internet service provider (ISP), portal type number of clicks, etc. We may also aggregate the details that you have submitted. You cannot be identified from this information, and it is only used to assist us in providing an effective service.

CONTACT US/GRIEVANCE

To address any concerns or grievances, we have established multiple avenues to ensure swift resolution. Your feedback is important to us, and we encourage you to connect with us through the following channels.

Channel for communication: –

 Email: You can reach us at ins-grievances@rathi.com or
 Letter: Send your concerns via letter addressed to the Principal Officer/Compliance officer, Regent Chambers, 10th Floor, Jamnalal Bajaj Marg, Nariman Point, Mumbai – 400021, India or  Contact Centre: You can call us at 1800-88-97097 between 9 am and 6 pm, from Monday to Saturday (excluding public holidays) or
 Website: Visit here at Visit our website https://anandrathiinsurance.com/grievance-redressal for online submissions of complaints.

USE OF THIS SITE BY MINORS

We understand the importance of protecting the privacy of minors, especially in the online environment. This website/portal is not designed for or intentionally targeted at minors under the age of 18, and minors are requested not to use this website/portal. We do not knowingly collect data from minors on this website/portal.

CHANGES TO THE PRIVACY POLICY

We reserve the right to modify this Privacy Policy at our sole discretion. In the event of significant changes in how we use, store, or share your personal information, we encourage you to regularly check this page for any updates to our Privacy Policy.

Annex A – Cookies Policy

We may obtain information about your general internet usage by using a cookie file or tags on the site which are stored on the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. They help us to improve our site and to deliver a better and more personalized service. They enable us to:
● estimate our audience size and usage pattern;
● store information about your preferences, and so allow us to customize our site according to your interests;
● speed up your searches; and
● recognize you when you return to our site.

Cookies and tags used on this site include, but are not limited to:

Google Analytics (“GA”) and Google Tag Manager: We use GA to better understand how customers are using our website/portal and to assist in managing the performance and design. Google stores the information collected via cookies. For more information about GA, please see Google’s Privacy Policy and Help Pages.