Objective

This Privacy Policy is to notify all visitors of Armour Insurance Broking Pvt. Ltd and Visitors of the website armourrinsurance.com on information and data practices followed by Armourr Insurance Broking Pvt. Ltd. We have developed this Privacy Policy with adherence to The Information Technology Act, 2000 and the digital personal data protection act 2023. Please read this Privacy Policy carefully. By accessing the Website or using any of our Services, You represent/ agree 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

Scope:. This Privacy Policy governs all personal information collected by and voluntarily provided to us by the Visitors  or visitors to our site  and must be adhered to by all persons who access, use, process, control or otherwise deal with personal information on our behalf.

Information Collection

We collect Personal Information or Sensitive Personal Data or Information in one or more ways as mentioned below:

• Information You give us: while using the Website and/or while availing the products and some of the services made available on the Website including the information you give us while registering on our Website in order to create an account, or to download brochure, or to gather further information from us. The registration information typically asked for includes name, email, mobile number, phone number, street, city, state, pincode, country but is not limited to, name, e-mail address, etc. voluntarily submitted by you, this shall helps us in personally identifying You and serving you with the requirement and this shall enable us to identify if visitor is an existing client of Armourr Insurance Broking Pvt Limited. This information is necessary to initiate as well as continually use Your online account and products. If the information provided for such registration is wrong or has changed, You can update it or delete it unless we have to keep that information for legitimate business or legal purposes. However, at the back end, audit trail keeping may require us to retain copy/ log of such information for as long as is legally permitted/required.
• Processing of Sensitive Personal Data or Information has a risk of significant harm if its confidentiality is compromised or the data is leaked. The Armourr Insurance shall ensure that relevant and reasonable safeguards are put in place in while processing Sensitive Personal Data or Information.

If visitor registers with the Site, or requests an insurance quote, we may ask the  visitor  to fill in details like  :contact person name, e-mail address, country, telephone number and the reason for communication, as well as information about the visitor’s  position and organization and such other information as is reasonably necessary so that we can provide the visitor with the quote.

If visitor submits a comment on any of the content that the visitor views on our Site, the Armourr Insurance will ask for  name and e-mail address, so that, we can update the same to the visitor via e-mail

The Insurance Armourr Insurance may use tracking tools and various technologies to collect visitor information which may include browser cookies etc. for collecting information about prospect’s usage of armourrinsurance.com

Any personal information that visitor sends the insurance Armourr Insurance on its site will be used only for the purpose indicated on the Site or in this Privacy Policy.

• Information we get from Your use of our Services on the Website: Visiting and using Services offered under the Website by Armourr Insurance may result in the Website receiving performance and usage information such as the date and time of Your visit, the kind of browser or computer You use, default language setting, Your unique Internet Protocol address, the number of links You click within the Website, the pages You viewed on the Website, and the web page from which You arrived to our Website. This information however will not be used to personally identify You.
• Information we may get from our affiliates or third parties: We may obtain information about You from other sources, including commercially available sources, such as social media, data aggregators and public databases. We may also collect information about You from Our affiliates or group companies.
• Information we get through sending one or more cookies or anonymous identifiers to Your device: Cookies are small electronic text files that contain information that a website uses to store Visitor preferences and settings. You have the option to reset Your browser to control cookies; however, some of the Services offered by the Website may not function properly if cookies are refused/reset/deleted. 

Use of collected Information

Any information that we collect from You may be used for a variety of purposes including but not limited to the following:

• To provide You with insurance related products that You may purchase from us
• To provide Services to all Visitors of the Website
• To personalize Your experience
• To improve our Website
• To improve our products
• To process transactions, where requested
• To close a sale as well as for post sales information gathering
• To communicate with You for any other post sales requirement
• To send periodic emails
• To administer a contest, promotion, survey or other site or business feature,
• To conduct statistical analysis
• To develop better products/solutions or improve services using artificial intelligence, machine learning, behavioural analysis and other technologies
• For sales and marketing activities
• For Aadhaar authentication and sharing, storing, using Aadhaar data, as per the applicable laws.
• As otherwise informed to you at the point of collection

By providing your contact information you have consented with your free will to be contacted by us on the said contact Information even if the said contact is registered under the National Customer Preference Register (“NCPR”) Registry. 

Processing of Sensitive Personal Data or Information has a risk of significant harm if its confidentiality is compromised or the data is leaked. Armourr Insurance shall ensure that relevant and reasonable safeguards are put in place in while processing Sensitive Personal Data or Information.

Information Storage

Physical, electronic and managerial measures are in place to safeguard all personal information of the Visitors. The Insurance Armourr Insurance’s employees are trained to handle customer information with the highest levels of security.

We take reasonable precautions to protect Your Personal Information or Sensitive Personal Data or Information, information on the Website and our customers’ information from unauthorized access/ alteration, disclosure or destruction of information we hold. In particular:

• We encrypt many of our Services using SSL certificates
• We provide role-based access to employees/partners who need to login to our systems/ applications
• We provide password-based authentication to Visitors who login to our website
• Two-factor authentication is in place (wherever feasible) for employees and third parties who access our systems and applications.
• We review our information collection, storage and processing practices, to guard against unauthorized access to systems.

We permit access to Personal Information or Sensitive Personal Data or Information to our employees, contractors and agents who are subject to strict contractual confidentiality obligations for data processing purposes.

Sharing of information

We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share visitor information with these third parties for those limited purposes provided that he/she have given us his/her permission.

• Website of Armourr Insurance does not collect any personal  information or Sensitive Personal Data or Information (except if purchased online) unless voluntarily provided by the Visitor, and Armourr Insurance confirms that it shall not rent or sell any of the Visitor’s Personal Information or Sensitive Personal Data or Information. However, Visitor would be required to provide Personal Information or Sensitive Personal Data or Information in the course of the purchasing or initiating a transaction for purchase of a life insurance policy/ our products, or for initiating any other service request/ transaction under any product purchased by the Visitor.
• Armourr Insurance may share the Visitors Personal Information or Sensitive Personal Data or Information with third party vendors in the following cases:
  • To meet requirements of any applicable law, regulation, legal process, enforceable governmental request, or customary practice directly or through our affiliates / banks / financial institutions / credit bureaus / agencies,
  • To meet requirements of participation of any telecommunication or electronic clearing network,
  • For statistical analysis and verification or risk management,
  • To enforce applicable terms of Service, including investigation of potential violations,
  • To detect, prevent, or otherwise address fraud, security or technical issues, and
  • To protect against harm to the rights, property or safety of Armourr Insurance, our Visitors or the public as required or permitted by law.
  • To outsource non-core activities as defined under the IRDAI guidelines.
• Armourr Insurance retains the right to share non-personal identifiable information with third parties for business purposes, to assess Website traffic, patterns and other such purposes. Armourr Insurance also retains the right to share non-personally identifiable information to comply with applicable legal and regulatory processes, or to protect and defend the rights and interests of Armourr Life and its affiliates, subsidiaries and/or other Visitors or to enforce the terms and conditions which are binding on all Visitors of Armourr Insurance’s  Website.
• We will take precautions/apply safeguards as required by us under applicable laws, to ensure the confidentiality of any Personal Information or Sensitive Personal Data or Information

Third party websites

Visitor may find content on  Armourr Insurance Website that links to the sites and services of insurance companies which may appear on our Site for online sale of insurance. Armour Insurance shall not be responsible for any actions or policies of such third parties and Visitors of the Website are requested to check the applicable third party privacy policy and acquaint themselves with the terms and conditions of usage of such service providers, when providing Personal Information or Sensitive Personal Data or Information. Armourr Insurance shall not be liable for any variance in the features/benefits offered by such third parties and shall not in any case assume warranty on the efficiency or efficacy of such offers . Browsing and interaction on any other website, including websites which have a link to our Site, is subject to policies and terms and conditions of that website.

Visitor’s acceptance of these terms

By using this Site, Visitor signify his/her acceptance of this policy Visitor’s continued use of the Site following the posting of changes to this policy will be deemed his/her acceptance of those changes.

Any grievance thereafter should be notified to us at insurance@armourrinsurance.com

Communication

Armourr Insurance retains the right to communicate with the Visitor  (via e-mail, postal service, courier, mobile messaging services, WhatsApp and telephone or social media extensions) when the Visitor have agreed to receive such communication or where operational or regulatory requirements require us to do so. Armourr Insurance further retains its right to communicate through third party vendors. You shall have the option to unsubscribe to receive such communication.

Once You have raised a request with the Armourr Insurance for any request related to Your data/ information, We shall revert to You within 30 (thirty) days of receipt of the request.

Third party offers

Armourr Insurance may allow third parties to offer subscription and/or registration-based Services through the Website, App or other platforms (viz. WhatsApp, Twitter, Alexa, etc.). Armourr Insurance shall not be responsible for any actions or policies of such third parties and Visitors of the Website are requested to check the applicable third party privacy policy and acquaint themselves with the terms and conditions of usage of such service providers, when providing Personal Information or Sensitive Personal Data or Information.

Armour Insurance shares certain Personal Information with third parties for activities including, but not limited to:

• Marketing purposes
• Document management/retention
• Cloud storage
• Logistical activities such as printing of Your Welcome Kits, Courier of documents, etc.
• Cross-selling and up-selling of products of the Armourr Insurance  or its subsidiaries.
• Medical underwriting
• Financial Due Diligence
• Claims related investigation purposes
• Customer support provided by call centres
• Improving services and products

Changes to Privacy Policy

Armourr Insurance may amend or modify, this Privacy Policy (including replacing this Privacy Policy with a new Policy), at any time at the sole discretion of Armourr Insurance. Visitors are requested to periodically check the terms and conditions under this Privacy Policy from time to time. Armourr Insurance shall not in any circumstance be held liable for such lapses on the part of the Visitors of the Website.

Information Security

We take reasonable precautions to protect Your Personal Information or Sensitive Personal Data or Information, information on the Website and our customers’ information from unauthorized access/ alteration, disclosure or destruction of information we hold. In particular:

• We encrypt many of our Services using SSL certificates
• We provide role-based access to employees/partners who need to login to our systems/ applications
• We provide password-based authentication to Visitors who login to our website
• Two-factor authentication is in place (wherever feasible) for employees and third parties who access our systems and applications.
• We review our information collection, storage and processing practices, to guard against unauthorized access to systems.

We permit access to Personal Information or Sensitive Personal Data or Information to our employees, contractors and agents who are subject to strict contractual confidentiality obligations for data processing purposes.

Storage of Information

The Armourr Insurance uses third party data centres and cloud services to securely store Your data and to minimise the possibility of data loss. The relevant security safeguards and contractual clauses as required by relevant Laws are adhered to while storing Your data.

Retention of Information

Armourr Insurance shall not retain any Personal Information or Sensitive Personal Data or Information beyond the period necessary to satisfy the purpose for which it is processed. However, where it is required by local regulations and applicable law, We shall retain Your Personal Information or Sensitive Personal Data or Information for longer than required for the purpose. In some circumstances, Armourr Insurance Life may anonymise the data so that it can no longer be associated with the Visitor, in which case Armourr Insurance may use such data without further reference to the Visitor.

Armourr Insurance shall take reasonable steps to ensure that data which is not necessary for processing and not required to be stored is deleted periodically.

Warranty Disclaimer

Information, content and materials provided on this Website are on an “As Is” basis and Armourr Insurance does not make any express or implied representation or warranty regarding the accuracy or completeness of the same.

Contact Information

In case You require any further clarifications on the content of this Privacy Policy, terms of use or for any grievances regarding the topic, please contact.

This Privacy Policy is applicable to all customers of Armourr Insurance and Visitors of  https://www.armourrinsurance.com/ website and consequential services and products made available by Armourr Insurance.

Please read this Privacy Policy carefully. By accessing the Website or using any of our Services, You represent/ agree 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.