Privacy Policy

1. Introduction

Garuda Insurance Broker Private Limited ("we," "our," or "Company") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://garudainsure.com/ (the "Site") and use our services, including during your authentication and subsequent use (collectively, the "Services").

By accessing or using the Site and Services, you consent to the data practices described in this policy. If you do not agree, please discontinue use of the Site and Services.

This policy should be read in conjunction with our Terms of Use.

2. Information We Collect

We collect information that you provide directly to us and information collected automatically.

A. Information You Provide:

• Authentication & Account Data: When you create an account, log in, or authenticate your identity, we collect information such as your name, email address, phone number, username, password, and any other identifier you provide.
• Profile Information: For insurance brokerage services, we may collect KYC (Know Your Customer) details such as date of birth, gender, permanent account number (PAN), Aadhaar number (where permissible by law), address, and photograph.
• Financial and Risk Information: To provide insurance quotes and policies, we collect information related to your insurance needs, such as vehicle details, property information, health history, travel plans, income, and existing insurance policies.
• Communication Data: Records of your correspondence with us (email, chat, phone calls).
• Transaction Data: Details of insurance products you purchase, payment details (processed by secure third-party gateways), and policy information.

B. Information Collected Automatically:

• Technical Data: IP address, browser type and version, time zone setting, operating system, and other technology on the devices you use to access the Site.
• Usage Data: Information about how you use our Site and Services, including pages visited, time spent, clickstream data, and journey patterns.
• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to maintain your session, remember your preferences, and analyze trends. For more details, see our Cookie Policy.

3. How We Use Your Information

We use the collected information for purposes including:

• To Authenticate You: To verify your identity, create and manage your user account, and provide you secure access to our Services.
• To Provide Our Services: To process your insurance applications, obtain quotes from insurers, bind coverage, manage policies, and handle claims assistance.
• To Communicate with You: To send you service-related announcements, policy updates, respond to your inquiries, and provide customer support.
• To Personalize and Improve: To tailor our Site and Services to your interests, improve functionality, and develop new features.
• For Security and Compliance: To protect the security of our Site, prevent fraud, comply with legal and regulatory obligations (including those set by the Insurance Regulatory and Development Authority of India - IRDAI), and enforce our Terms of Use.
• For Marketing (with Consent): To send you promotional communications about products, services, and offers, where you have opted in to receive such communications.

4. Legal Basis for Processing (GDPR Considerations)

If you are located in the European Economic Area (EEA), our legal basis for processing your personal data includes:

• Performance of a Contract: To provide you the insurance brokerage Services.
• Consent: For specific purposes like direct marketing.
• Legal Obligation: To comply with IRDAI and other regulatory requirements.
• Legitimate Interests: For network security, fraud prevention, and improving our Services.

5. How We Share Your Information

We do not sell your personal data. We may share it in the following circumstances:

• With Insurance Companies: To procure quotes, underwrite policies, and service your insurance contracts.
• With Service Providers: With trusted third parties who assist in operating our Site (hosting, analytics, payment processing, customer support, authentication services).
• For Legal Reasons: To comply with law, regulation, legal process, or government request; to protect our rights, privacy, safety, or property.
• Business Transfers: In connection with a merger, sale, or transfer of company assets.
• With Your Consent: For any other purpose disclosed by us when you provide the information.

6. Data Security

We implement appropriate technical and organizational measures, including encryption, access controls, and secure protocols, to protect your personal data from unauthorized access, alteration, or destruction. Your authentication credentials are stored using industry-standard hashing and salting techniques. However, no internet transmission is 100% secure.

7. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations (IRDAI mandates a minimum retention period), resolve disputes, and enforce our agreements.

8. Your Rights and Choices

Depending on your location, you may have rights regarding your personal data, including:

• Access and Portability: Request access to or a copy of your data.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your data under certain conditions.
• Restriction/Objection: Object to or restrict certain processing.
• Withdraw Consent: Where processing is based on consent.
• Opt-out of Marketing: Unsubscribe from marketing emails via the link provided.

To exercise these rights, please contact us at the details provided in Section 11.

9. Third-Party Links

Our Site may contain links to third-party websites (e.g., insurer portals, payment gateways). This Privacy Policy does not apply to those sites. We encourage you to review their privacy policies.

10. Updates to This Privacy Policy

We may update this policy periodically. The updated version will be posted on this page with a revised "Last Updated" date. Your continued use of the Services after such changes constitutes acceptance.

11. Contact Us