Privacy Policy

Acknowledgement We Need

By using our services, you acknowledge to give your consent and comprehend to our Privacy Policy. Hence, it is inferred that by visiting our website/mobile applications or by taking our services, you give your unconditional agreement to SMC Insurance Broker Private Ltd. to use, process, share, store and transfer your data under Section 43A and Section 72A of Indian Information Technology Act, 2000.

By registering yourself at our website or at any of our sub-domains, it is assumed that you are giving your authorization to SMC to contact you through a phone call, email, or SMS and offer/update you about our services. The company may call you or send textual communication to render our services for the insurance product opted by you. We may also call you to inform about the products, give you updates about our promotional offers from time to time, and about the offers from affiliates or third-party or our business partners for which we may have to gather your basic information as given under the Policy. You hereby consent that SMC may contact you even if your number is registered under DND/ DNC or NCPR service. Your approval will be valid till the time your account is active with us.

Restricted Personal Information

If you do not agree with the terms and conditions of our Privacy Policy then kindly refrain from using or accessing our website or any other digital platform.

Information We Gather

You approve of SMC Insurance Broker Private Ltd. to call or contact you through email, SMS, WhatsApp, or via any other form of communication, even if your number is registered with NDNC.

Whether you are a registered user or a casual visitor on our website, SMC asks for your basic information only when you use our website or any other application.

The Information gathered may include

• Your personal information such as your name, gender, date of birth, contact number, email id, postal address, profession/occupation, financial details, and other similar information.
• Your insurance premium payment history and transaction details such as claims raised, claims settled, etc.
• Other information may involve your IP address, internet browser, system details like OS version, and telecom service used by you.
• Any other information furnished by you at the time of purchasing any insurance product or while answering a questionnaire.
• Numerous methods may be used to gather data and information such as the use of cookies, both permanent and temporary cookies. You can block these cookies on your electronic device. You may also configure the settings on your web browser to send you an alert when a cookie is sent to you by a text media, selecting to accept or turn off the cookie.
• We may also use pixel tags, web beacons, mobile device IDs, and other technologies to pick and store your data.

Purpose of collecting your information

The purpose of collecting your personal information is as follows:

• The primary reason that we collect your information is to offer you insurance products and related services.
• To send you alerts, notifications, messages, and information related to our products and service that suit your needs.
• To advertise our website content, new products, and services we need your information about insurance purchase, history and insurance needs.
• To provide you alerts about our promotional services and new offers according to the search done by you on our website.
• To enhance our website content and other services that improve your user experience.
• Some of your personal details are mandatory for following compliances of regulatory liabilities and legal framework.
• You also give consent that the authorized insurance company may take customer due diligence measures and seek mandatory information for KYC (Know Your Customer) compliance purpose which is mandatory as per the guidelines of IRDAI. You as the customer is required to submit the documents on SMC Insurance Broker Pvt. Ltd. portal like Images of PAN card, Aadhaar card, Driving License or any other proof of identity with proof of address, etc. during the policy buying/ renewal process to forward concern insurance company. The collected information/ documents/images are not stored with SMC Insurance Brokers Pvt. Ltd.
• To analyze our systems and enhance our search information system.
• For any other purpose that may be helpful to us for rendering our services smoothly and enhancing user experience.
• To provide you updates about any amendments in our Privacy Policy or Terms of Use.
• You may request to change the mode of communication as per your desire at any time.

Sharing, Transfer and Disclosure of information

SMC rigidly adheres to the confidentiality policy and refrains from sharing your private information with anyone without taking your prior consent excluding-

• As permitted or obligated by a legal authority to disclose or share by any government agency or court of law for the verification of your identity, or detecting, or investigating, to stop any cyber activity, or in case of prosecution, or punishment of any offence.
• To expedite and enhance your usage of the website content of SMC and to cater your queries and needs.
• To examine and evaluate the information and the data provided on our website about our products and services.
• To identify and prevent fake transactions and misappropriation of our website.
• To implement our Terms of Use.
• To comply with our legal obligations and any other regulatory body.

Your given consent that SMC Insurance Broker Pvt. Ltd. can disclose, share and transfer your information to other units and our partners based upon the kinds of insurance services and products as per your requirements for the reasons as allowed by any governing body.

You also give your consent that SMC can disclose or share the data (personal/non-personal) provided by you if required by such units so as to provide adequate services and insurance products to you. You offer your unequivocal and unconditional permission that SMC may share your non-public data and any statistical information to enable any program or initiative started by SMC, financial organizations, business partners, third-party service providers as and when required.

Your payments are processed by SMC strictly as per the policies terms and the conditions of the third-party. We do not take any liability or responsibility of the third-party or of the client for any delay or failure from their side of the process.

SMC Insurance Brokers Pvt. Ltd. employs third parties such as debit/credit card processing companies, pre-paid cards etc. to help you in processing your payments towards any insurance policy as well as to use the services offered on our website.

While signing-up on our website, you may opt to save your debit/credit card details for future transactions. If you opt for such activity, SMC may transfer or share your personal information including your name, email-id and postal address with the related third-parties to enable the continuation of your services.

Third-Party Links

SMC has distinctly clarified that while using our website, you may come across some third-party links, third-party advertisements or electronic communication services. SMC does not have any authority over any third-party service and content, thus, we do not guarantee or endorse the products or services mentioned on their website. We also do not represent any policies or services of the third-parties including their Privacy Policy. It will be solely the discretion of the user to access the website of the third-party or to avail their services and SMC shall not be held responsible in any way for any damage or loss involving third-parties.

SMC Insurance Broker Pvt. Ltd. extols that you must understand and fully review the Privacy Policy of the third-party website prior to using it.

Security Methods

SMC Insurance Pvt. Ltd. follows every commercially viable security procedure to safeguard your personal information from any unlawful use, disclosure or alteration. We, at SMC, execute numerous security measures and processes as allowed by the industry standards for the maintaining security of your personal data. To keep the information provided by you to SMC, safe from any unapproved source or disclosure, we employ every technical, physical, operational, and managerial security measure.

Although we follow every feasible security process to keep your information safe and secure, you comprehend that any computer network cannot be absolutely safe and secure; we cannot provide you complete reassurance about the security of your personal information. In agreement with this fact, you accord that SMC Insurance Broker Pvt. Ltd. will not be held liable for any loss or damage of your data. You also give consent and approve that any information both personal and non-personal shared with SMC or transferred while using or accessing our website will be at risk of the user.

You understand that any Force Majeure event may include incidents that are not under the control of SMC. It comprises but is not limited to the explosion, fire incidents, sabotage, or natural calamities such as landslides, storms, earthquakes, etc. as well as made-made calamities such as hacking, riots, strikes civil war etc., computer crashes, unauthorized computer networks, or security breach or internet system.

Email Decline

SMC does not believe in disturbing you with unnecessary emails. You can contact us if you do not want to receive any promotional or marketing email from us. We do not take more than 10 days to process any such request.

Modification in terms of Privacy Policy

SMC Insurance Broker Pvt. Ltd reserves sole discretion to change, modify, or alter its Privacy Policy anytime as per need. The company can anytime update the terms of its Privacy Policy and hence, it is reckoned that you keep reviewing our website to keep abreast with any change in the Privacy Policy.

Your repeated use of our website gives us your unconditional consent/approval to changes in the Privacy Policy of SIB.

If you have any grievances or issues about our Privacy Policy or about our ways of collection of your information then, kindly contact our Grievance Redressal Team.