Privacy Policy 

Your privacy is of utmost importance to us. At Vipul Insurance Brokers Pvt. Ltd., maintaining your trust and confidence is one of our highest priorities. We are committed to ensuring secure transactions and upholding a customer privacy policy that meets the highest standards.

This statement outlines our practices regarding the collection, use, and dissemination of information.

By accessing or using our website, web applications, or mobile applications, you agree to be bound by the terms of this Privacy Policy. If you do not agree with these terms, we respectfully request that you refrain from using our digital platforms.

Please note that this policy is subject to change without prior notice. We encourage you to review it periodically to stay informed about any updates.

In this Privacy Policy, terms such as “we,” “our,” “us,” and “Company” refer to Vipul Insurance Brokers Pvt. Ltd. and its current and future affiliate entities.

Collection of Information and Usage

We collect both personal and non-personal information when you use our website, web applications, or mobile applications. This information is categorized as mandatory or non-mandatory, depending on the nature of the service being accessed.

Personal Information may include, but is not limited to name, Date of birth, Gender, mobile number, residential address, and email id etc.

Certain services may require you to provide personal information, for example, when creating a User ID, registering on our platform, placing an order, or interacting with our Customer Care team via phone, email, or other channels.

You may choose to browse our website without sharing personal information. However, doing so may limit your access to specific sections and features, and you may not be able to avail certain services.

Sensitive Personal Information and Data Usage

In certain cases, you may be required to share sensitive personal information with us, including—but not limited to—your medical records such as prescriptions, test reports, and past medical history. We understand the deeply private nature of this data and assure you that it will be used solely for the purpose of delivering healthcare services as mutually agreed upon.

You also have the option to upload and securely store your medical records on our platform. These records will be accessible only to you via your unique User ID, allowing you to retrieve them from anywhere in the world with just a click. We reiterate that no one other than you will have access to these records. All data transmitted to us is encrypted to prevent unauthorized access or interception during transmission.

Transactional Information

When you transact with us, we may collect additional information such as:

• Billing address

• Credit/debit card number

• Card expiration date

• Other payment instrument details

We collect only the information necessary to ensure a smooth, secure, and personalized experience. This helps us:

• Deliver customized services

• Respond to your queries

• Resolve any issues

• Maintain long-term relationships

• Protect you from fraudulent or unlawful activity

Cookies and Tracking Technologies

We use data collection tools such as “cookies” on certain pages of our website and applications to analyze user flow, enhance security, and build trust.

Cookies are small files placed on your device that help us deliver services more efficiently. Some features are available only through the use of cookies. For example, cookies allow you to enter your password less frequently during a session.

Most cookies are “session cookies,” which are automatically deleted once your session ends. You may choose to decline cookies if your browser settings allow, though we strongly recommend enabling them to ensure full access to our services.

Sharing of Information

We respect your privacy and do not disclose your personal information except in the following circumstances:

• Legal Compliance: To law enforcement agencies as part of an investigation in the public interest, subject to due legal process.

• Affiliates and Associates: To our associates and affiliates for the purpose of detecting and preventing fraud, identity theft, and other illegal activities; correlating related or multiple accounts to prevent abuse of our services; and facilitating joint or co-branded services requested by you, where such services are provided by more than one corporate entity.

• Corporate Restructuring: In the event of a merger, acquisition, or restructuring of the Company, we may share your information with the acquiring or restructured entity, provided that such entity continues to adhere strictly to this Privacy Policy.

When making an online purchase through us or our affiliates, you may be required to submit financial information such as your billing address, credit/debit card number, expiration date, or other payment details. These transactions are processed through secure, encrypted third-party payment gateways that comply with the highest standards of data protection.

Advertisements and Third-Party Links

Our website may feature advertisements and links to third-party websites. Please note that we do not control or guarantee the accuracy, safety, or integrity of the information you may provide to these external entities. We strongly advise reviewing their respective privacy policies before sharing any personal information.

Safety Precautions

We employ robust security measures to protect your data from loss, misuse, or unauthorized alteration. These include SSL certification issued by Comodo Secure and other advanced safeguards to prevent theft, unlawful access, or modification of your information.

However, while we strive to maintain the highest level of security, we acknowledge that internet technology is not entirely foolproof. We encourage users to exercise discretion while sharing sensitive information online.

Force Majeure

Notwithstanding any provision in this Policy, we shall not be held liable for any loss, damage, or misuse of your personal information if such events are caused by circumstances beyond our reasonable control (“Force Majeure Events”). These may include, but are not limited to: sabotage, fire, flood, explosion, acts of God, civil unrest, strikes, riots, war, governmental actions, unauthorized access to data, system crashes, or breaches of encryption.

Consent

By accessing and using our website, web applications, or mobile applications, and by providing your information, you consent to the collection and usage of your data as outlined in this Privacy Policy. We encourage you to revisit this section periodically to stay informed about any updates or changes.

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Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated "Effective Date."

Grievance Officer

In accordance with the Information Technology Act, 2000 and the rules made thereunder, the name and contact details of the Grievance Officer are provided below to address any queries or grievances related to this Privacy Policy:

Grievance Officer

Mr. Ravinder Minocha
Vipul Insurance Brokers Pvt. Ltd.

217 Second Floor, Ansal Chamber II

Bhikaji Cama Place, New Delhi – 110066

Email: Minocha@vipulinsurance.com
Phone: 011-46074578 / 82

Governing Law and Jurisdiction

By accessing or using our website, web applications, or mobile applications, you agree that your visit and any dispute over privacy is subject to this Privacy Policy and our Website’s Terms of Use. Any disputes arising under this Policy shall be governed by the laws of India.