Welcome to the privacy policy of Anand Rathi Insurance Brokers Private Limited (ARIBL), the entity operating and owning the website/Portal "https://arkavach.com"
This privacy policy specifically pertains to the domain "https://arkavach.com" (AR Kavach) and applies to users who provide personal information voluntarily while interacting with the AR Kavach website/portal.
Your visit to our website/portal is appreciated, and we are committed to ensuring the privacy and security of your information.
In the context of this policy, terms such as 'you,' 'your,' or 'user' refer to any natural or legal person providing personal information, and 'we,' 'us,' or 'our' refer to Anand Rathi Insurance Brokers Limited (ARIBL) and its portal AR Kavach.
By interacting with the AR Kavach website/portal, you acknowledge and accept the terms outlined in this privacy policy. You expressly consent to our use and disclosure of your personal information by this policy, understanding that any information provided to ARIBL is done so under a lawful contract.
This privacy policy is an integral part of the Terms & Conditions posted on the AR Kavach website/portal. Please be aware that our privacy practices may be subject to changes, and we recommend reviewing this policy periodically to stay informed about any updates. Any modifications to the policy will be effective immediately upon posting.
This Privacy Policy explains how ARIBL, through its website/portal gathers personal information, as part of the normal operation of services and uses, discloses, and protects such information through the Website/Portal. This detailed Privacy Policy enables you to make informed decisions in dealings with us.
1. What Personal information is collected from you?
When you visit our AR Kavach website/Portal or use our service, we gather PII (personally identifiable information) such as name, age, gender, email, telephone number, address, etc. Upon registration and signing in, you will no longer be anonymous to us. During the registration process, we request your contact number and send SMS notifications about our services to your wireless device. By registering, you provide authorization for us to send text messages, and email alerts containing your login details and other service-related information.
2. 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 the website/portal and 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.
3. 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.
4. 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.
5. 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 endeavor to ensure that the websites linked to us are safe and secure. However, we have no control over third-party websites. We recommend contacting third-party websites directly for their privacy policies.
6. 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.
7. 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 for online submissions of complaints.
8. 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.
9. 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.
10. 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.
