Privacy Policy
Introduction:
We,
Opportunity Microinsurance Development Centre, are committed to protect any
personal information that We may receive while You access our website and
mobile application, if any. We believe it is important for you to know how we
treat information about you that we may receive when you engage with us.
Definitions
Cookies
are small files that are placed on your computer, mobile device or any other
device by a Website or mobile application for
record-keeping purposes. These are also known as browser cookies or tracking
cookies, they are small, often encrypted text files, located in the browser of
your device(s).
OMDC
or Company or Us or We - refers to Opportunity
Microinsurance Development Centre.
Privacy
Policy means this Policy.
Services
all services made available by OMDC through its Website or mobile application.
Website
refers to https://www.omdc.co.in/
You
or Your or User(s) means the person(s) visiting/accessing the
Website/mobile application in any capacity.
Personal
Data or Information means any data or information about
an individual who is identifiable by or in relation to such data;
Applicability
This
Privacy Policy is applicable to all users/visitors/viewers of the Website. This
statement and the Policy outlined herein are not intended to and do not create
any contractual or financial or any other legal rights in favour
of any User or viewer or any other party.
Please
read this Privacy Policy carefully. By using any of the Services, You represent that You have read and understood the terms
and conditions of usage, which includes this Privacy Policy, and You agree to
be bound by all its terms.
Managing, Collecting/Receiving and
Storing Personal Information
All data and information collected by US from
You or otherwise will be transferred and stored in secure servers of the
Company and/or in servers leased and/or licensed by the Company for any
duration. The Company may at its discretion and/or requirement keep copies of
such data and information at multiple locations and/or on the Company s main
servers for processing of the said information and data. You hereby grant your
consent to the storage, processing, and application and/or use of your personal
data and/or information received by the Company including through use of
cookies.
We receive both information that is
directly provided to Us by You or received through lawful means, when You visit
the Website/ mobile application, and information that is passively or
automatically collected from You.
To avail the Services, We require and collect Personal Information, such as name,
address, e-mail address, telephone number, age, gender, Aadhaar number, Aadhaar
indentifier or business details or biometric
information, password, financial details such as bank name, account number etc
any other document which is required to comply with KYC norms or any other
document which is required rendered the Services.
The other
automatically collected information such as
Technical
information, including the Internet protocol (IP) address used to connect your
computer to the Internet, your login information, browser type and version,
time zone setting, browser plug-in types and versions, operating system and
platform, search preferences, service preferences, etc., and any other
information that may generally be collected during use of Company s Services
including while accessing the Company s website and/or mobile phone application
based services of the Company;
Information
about your visit, including the full Uniform Resource Locators (url), clickstream to, through and from our site (including
date and time), products you viewed or searched for, page response times,
download errors, length of visits to certain pages, page interaction
information (such as scrolling, clicks, and mouse-overs), methods used to
browse away from the page and any phone number used to call the Company s
customer service number, etc.
The Company will store small text files called Cookies in your
device in order to enable various features of Our applications. These are used
to store user preferences and trends to improve user/viewer experience. You
have the option to change Your Browser settings to accept or not accept Cookies
and depending on which You agree to our use of any information collected by us
through that Cookie. Any such information collected through Cookies will only
be used for improving the Website/ mobile application experience and/or to
deliver the Services.
The
Company or its service providers may also use "web beacons" or clear
GIFs, or similar technologies, which are small pieces of code placed on Our
Website or in an email, to monitor the behaviour and collect data about the
visitors viewing Our Website or email.
IP addresses help Us customise your
visit to Website or mobile application since they are tied to personally
identifiable information. We confirm that this information is not shared with
third parties, for their promotional purposes, except
as provided under Disclosure of Information clause. When You download or use
our mobile application, we also collect various device specific details like
Device ID and Device Accounts including third-party accounts or MAC-address.
This data is used to resolve technical difficulties and to provide you with the
correct and most recent version of mobile application.
When You download or use mobile application, We
may receive information about Your location and Your mobile device, including a
unique identifier for Your device. We may use this information to provide You
with location-based services, such as advertising, search results, and other
personalized content. If you wish to opt out of location services, you may do
by changing Your mobile phone settings.
You
hereby grant your consent to the storage, processing and application and/or use
of your personal data and/or information received by the Company including
through use of cookies.
Use and
disclosure of Your Personal Data
The
Personal Information collected or received from You may be used by Us for
certain lawful purposes connected with our business operations, functions and
provision of the Services, which include but are not limited to:
To provide and maintain our Service, including to monitor the usage of our Service.
In the normal course of business to
enforce the terms and conditions of Services
To contact
You by email, telephone calls, SMS, or other equivalent forms of electronic
communication, such as a mobile application's push notifications regarding
updates or informative communications related to the functionalities, products
or contracted services, including the security updates, when necessary or
reasonable for their implementation.
In order to send You periodic
communications (this may include e-mail), about features, products and
services, events and special offers. Such communications from Us may include
promotion of programs being organized by third parties on our website.
To provide You with news,
special offers and general information about other goods, services and events
which We offer that are similar to those that You have
already purchased or enquired about unless You have opted not to receive such
information.
To attend
and manage Your requests to Us, while dealing with requests, enquiries or
complaints and other customer care related activities and all other general
administrative and business purposes
We may use
Your information to evaluate or conduct a merger, divestiture, restructuring,
reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of
bankruptcy, liquidation, or similar proceeding, in which Personal Data held by
Us about our Service users is among the assets transferred.
We may use
Your information for other purposes, such as data analysis, identifying usage
trends, determining the effectiveness of our promotional campaigns, advertising
and to evaluate and improve our Service, marketing and Your experience.
Verification of Your identity as per
prevalent laws and regulation.
Sharing with reinsurers who may have
offices located outside India.
Protect, enforce and defend our rights or property.
Prevent or investigate possible
wrongdoing in connection with the Service.
Protect the personal safety of Users of
the Service or the public.
Provide technical support for the
Website or mobile application in connection with Services.
Prevent fraud or potentially illegal
activities (including, without limitation, copyright infringement) on or
through Website or mobile application or Services.
Protect the safety of Our other subscribers or users.
We may share the User information
with Our affiliates or group companies, so they can provide, improve and
communicate with You about their own, or their marketing partners products and
services.
Address network integrity and
security issues.
Carrying out any activity in
connection with a legal, governmental or regulatory requirement, for the
purpose of compliance of a legal obligation, in connection with legal
proceedings, in connection with prevention, detection, investigation including
cyber incidents, prosecution, and punishment of offences, protect and defend
Our rights or property or act in an emergency to protect safety or to help
investigations, monitor or prevent or take action regarding unlawful and
illegal activities/suspected fraud/potential threat to the safety or security
of any person.
Carrying out activities connected
with the running of Our business such as personnel training, quality control,
network monitoring, testing and maintenance of computer and other systems and
in connection with the transfer of any part of Our business in respect of which
You are a customer or a potential customer.
The
information may be processed by the Company s staff, third parties, suppliers,
service providers,
partners, agents etc., subject to confidentiality obligations and restrictions.
You may inform Us at any time not to
share Your Personal Information with third parties by sending us an e-mail or
message at Info@omdc.co.in
By sharing your Aadhaar
number, you hereby consent to the Company s collection, usage and storage of
your Aadhaar number, Virtual ID, e-Aadhaar, XML copy, Masked Aadhaar,
demographic information, identity information, Aadhaar registered mobile
number, Aadhaar registered address, date of birth; as per applicable
laws/regulations (may collectively be known as - Aadhaar Information ) for the
following purposes:
Security of Your Personal Data
The security of Your Personal Data is important to Us. We
will implement the security practices, procedures, principles and standards as
per Cyber Security Policy of the Company in line with the best practices,
standards and prevailing regulations around information security in compliance.
Any
transmission of data over internet is not completely secured and hence, We do not guarantee the security of the data transmitted via
internet. The Company will take all reasonable steps and measures to keep all
data and information received by it, secured and protected as required under
the laws of India, however the Company does not assume any responsibility or
liability for data and/or information transmitted through use of any electronic
means including internet, phones, emails etc. and such transmission is at your
own risk.
It is
cautioned that You choose Your passwords carefully such that no unauthorized
access is made by another person. To make the password difficult and complex
for others to guess, You may choose a combinations of alphabets, numbers,
special characters like $.#,@,* etc. Do not share your
user name and password to anyone and maintain the
absolute confidentiality of your login credentials.
Linked Services
Our Website
may contain links to or integrations with other services such as Facebook,
Twitter, LinkedIn, and other media services and platforms whose information
practices may be different than Ours. Users should consult these other
services' privacy notices as we have no control over information that is
submitted to, or collected by, these third parties.
Our website may contain links to other
websites of interest. Should you wish to visit or brows such other websites, it
is clarified here that we do not have any control over collection, usage and
storage of your information, which you give while visiting or browsing those website and nor we take any responsibility of any
information provided on their websites. It is cautioned that User must read and
understand their privacy policies.
Controlling your personal information
You may choose to restrict the
collection or use of Your personal information in the following ways:
Whenever You are asked to fill in a form on the website, look for
the box that You can click to indicate that You do not want the information to
be used by anybody for direct marketing purposes.
If You have previously agreed to Us using Your personal
information for direct marketing purposes and do not wish to continue for such
use, You may write to Us at Info@omdc.co.in
We will not sell, distribute or lease your personal information to
third parties unless we have your permission or are required by law to do so.
If You believe that any information, We are holding on You is incorrect or
incomplete, please email us as soon as possible at Info@omdc.co.in , We will promptly correct
any information found to be incorrect.
We will retain Your Personal Data only for as long as is necessary
for the purposes set out in this Privacy Policy. We will retain and use Your
Personal Data to the extent necessary to comply with our legal obligations (for
example, if we are required to retain your data to comply with applicable
laws), resolve disputes, and enforce our legal agreements and policies.
We will collect financial information such as credit card number
and expiration date through the payment gateway of the credit card company or
the internet banking service of your bank, but We do not store these information in our database.
We also retain Usage Data for internal analysis purposes after
anonymizing and removing all linkages with User. Usage Data is generally
retained for a shorter period of time, except when
this data is used to strengthen the security or to improve the functionality of
Our Service, or We are legally obligated to retain this data for longer time
periods.
Acceptance of the Policy
By visiting Website or mobile application,
signing up or logging into , updating information on
Website or mobile application, You acknowledge and unconditionally accept this
Privacy Policy.
Change of Policy/ Updates
We may change or alter, modify, add to, or remove any portion of this Privacy
Policy from time to time on the sole discretion of OMDC and You should check
the Privacy Policy every time you visit Our website or mobile application.
Your use of the Website and mobile application
will be deemed an acceptance of the Privacy Policy existing at that time.
Privacy Policy Grievance Officer
While,
we will strive to ensure You do not have any grievance, should You have any, You may address the same to the Grievance Officer, whose
contact details have been published on our website.
Name: Mr. Gopala Krishna Musuluri
Designation: Privacy Policy Grievance Officer
Contact e-mail: accounts@omdc.co.in
Disclaimer:
Information, content and materials provided on the Website or mobile application
are on an As Is basis and We do not make any express or implied
representation or warranty regarding the accuracy or completeness of the same.