Privacy-Policy

Our core business is non-life insurance in India. The information provider's [who are public/policy holders/customer of BAGIC and referred to as “Information Provider”] or his/her family members’ Personal information [hereinafter referred to as “Information Provider’s Personal Information”] are confidential matters and BAGIC recognizes the same. BAGIC is committed to keep the information/Information Provider’s Personal Information confidential and secure and the Information Provider is protected, not only by the applicable privacy laws, but, more importantly, by BAGIC's commitment to safeguard privacy of Personal information.

The Information Providers can surf all BAGIC’s websites/App/wallet [which are available to public] anonymously either for the purposes of online purchase/renewal of Insurance Products of BAGIC and or for his/her information/knowledge or to avail any additional services of any other service providers for which BAGIC provide the facilitation service as free service without any recourse or responsibility on BAGIC for such service provider and Services of such service provider. When the Information Providers surfs BAGIC’s websites/App/wallet (i) for the purpose of his/her information as to various blogs/inputs/observations which are general in nature and may pertain to the additional facilitation services which BAGIC may provide to public at large/policy holders to inform them of the information as to other service providers and their services viz: Agriculture, Health, Motor, Travel, EW, Home etc., which can be purchased/bought by public at large/policy holders directly from such service providers. or (ii) Information Provider’s Personal Information is collected through any other mode/source viz. proposal forms/ renewal notices, non-disclosure agreement, emails, or through call center, or any other modes of communication whether at the time of leads, or in the process of solicitation or procurement, or while servicing the customers or when claims communications are being made by customers, at any time, BAGIC will be collecting, processing and using the Information Provider’s Personal Information or sensitive personal data/information . The Information Provider is requested to kindly note that, while surfing/accessing BAGIC’s websites/App/wallet or the information provided through any of the above given modes, for whatever purpose, when personal information/data and or sensitive personal data/information is provided by the Information Provider it is sufficient authorization and or deemed authorization to BAGIC to call back the Information Provider or store and use the personal information/data and or sensitive personal data/information of the Information Provider or any family members of Information Provider for the purpose of solicitation and procurement of business by BAGIC. In this regard the Information Provider or his/her family members will not be informed separately and surfing/accessing BAGIC’s websites/App/wallet or providing the information, Personal information or sensitive personal data/information of the Information Provider or any family members of Information Provider by any of the above means shall be sufficient consent given by Information Provider or his/her family members that such Information Provider’s or his/her family members Personal Information /sensitive personal information of information may be used by BAGIC for sending/calling for any promotional purposes, for marketing of any products of BAGIC, for lead generation, cross-sell, soliciting and procuring any business for BAGIC without any limitation of whatsoever and you hereby give your irrevocable consent for the same and in this regard you shall not hold BAGIC liable for use the information/personal data/sensitive personal data. As is true of most websites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, (which does not identify individual users, unless an attempt to damage the site has been detected), to analyse trends, to administer the site, to track user movements around the site and to gather demographic information about our user base as a whole. IP addresses are tied to personally identifiable information to help us customise your visit to our website so that you like the experience. However, we would like to reiterate that this information is not shared with third parties, for their promotional purposes. We store a cookie on your computer when you visit our website. A cookie is a small text file that is stored on a user's computer for record-keeping purposes. The primary purpose of these cookies is to analyse how users move within our website. Our cookies let you view customised pages while transacting with us. Our cookies do not have confidential or personally identifiable information. Since we use session ID cookies, they do not track a user after leaving our Website. A session ID cookie expires when you close the browser. It is required if you want to buy a policy online from us. We also use analytic tools to track visitor traffic on website. Some of our business partners such as chat support use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by https://www.bajajallianz.com/about-us/privacypolicy.html only and does not cover the use of cookies by any third parties. BAGIC store all the Personal information and or sensitive personal data/information in our servers/servers of service providers with all safeguards and such preserving of Personal information or sensitive personal data/information shall be for such period as per policy of BAGIC. Notwithstanding telephone/mobile of the Information Provider and his/her family members’ Personal information is registration with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited tele calls, by the Information Provider’s accessing BAGIC’s websites/App/wallet [which are available to public] and surfing/accessing and leaving the BAGIC website/App/wallet half way (i) enquiring/verifying BAGIC’s products/services and or the Information Provider making a request to call him back, or (ii) for his/her information/knowledge, or (iii) to avail any additional services of any other service providers for which BAGIC provide the facilitation service as free service without any recourse or responsibility (iv) or by Information Provider providing the information of himself and his/her family members under any of the modes mentioned hereinabove and or any other modes of whatsoever, it is deemed that the Information Provider has expressly authorized BAGIC and or the Information Provider hereby authorize BAGIC to call him/her back or send text messages or emails to the Information Provider for sending promotional messages/emails/information or for solicitation and procurement of various insurance products, or for cross sell/renewal, and for services of BAGIC and also for service calls. In this regard notwithstanding the registration/non-registration under NDNC, and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited tele calls, the Information Provider or any family members of him/her shall not have any complaint or objections of whatsoever nor complain to TRAI/IRDAI as to any alleged unsolicited calls by BAGIC to the Information Provider or any family members of him/her or with any other complaint.

We may use third-party service providers to serve advertisements on our behalf across the internet and sometimes on this Website. They may collect anonymous information about your visits to Website, and your interaction with our products and services. They may also use information about your visits to this and other Websites. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major Websites. No personally identifiable information is collected or used in this process.

In some cases, BAGIC may share the Information Provider’s Personal information and or sensitive personal data/information with our employees, group companies, licensed agents, telemarketers, legal advisers, consultants, Service Providers, auditors etc. In such cases the Information Provider is deemed to have permitted BAGIC to so disclose and use the same for their respective requirements and or for the purpose of their acting on our behalf and or for their offering their Services/products on our behalf. If sensitive personal data/information is collected by us on BAGIC’s websites/App/wallet or by any other modes mentioned hereinabove by authorized person/s on behalf of BAGIC only in cases where it is required and considered necessary for offering the respective products/services of BAGIC and group companies of BAGIC and subject to what is stated elsewhere in this privacy policy, BAGIC will use sensitive personal data/information only for offering the BAGIC’s products/services. Further, any Personal information or sensitive personal data/information may be disclosed, without consent of Information Provider, to government authorities, courts, statutory authorities, financial institutions/credit bureaus/agencies/ participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and or as per provisions of laws, or to any third parties as per directions received under laws, as the case may be.

BAGIC respect the Information Provider’s privacy rights, particularly the Information Provider’s right to access his/her information. If the Information Provider asks us, and to the extent provided by Indian law, BAGIC will share with the Information Provider the personal information BAGIC collect/collected and retained about the Information Provider through BAGIC’s websites/App/wallet. BAGIC will keep the Information Provider’s data accurate, but for any mistakes BAGIC shall not be liable or responsible provided always BAGIC shall not be responsible for the authenticity of the personal information or sensitive personal data or information provided by the Information Provider to BAGIC or to any other person acting on behalf of BAGIC. Please provide us with any changes or corrections in data/information of Information Provider or his/her family members’ by sending your request to our grievance officer. As and when request is sent by Information Provider to our grievance officer, to review the personal information or sensitive personal data or information, BAGIC will review/update as per request and inputs of the Information Provider and if personal information or sensitive personal data or information is found to be inaccurate or deficient or has to be updated/revised due to change, then BAGIC will correct or amend as feasible. BAGIC will comply with their obligations of secrecy.

We collect your Location data to facilitate the identification of our nearest office branches, provide Road side assistance, and locate Network garages and hospitals for your convenience.

Information Providers’ personally identifiable information, which they choose to provide on the Mobile application is used to help theInformation Provider describe/identify themselves. Whereas, non-personal identifiable information ofInformation Provider is collected by Bajaj Allianz General Insurance Company fromInformation Providers (such as, patterns of utilization described above) and is exclusively owned by Caringly Yours app of Bajaj Allianz General Insurance Company. Caringly Yours app of Bajaj Allianz General Insurance Company may also use such information in an aggregated form for research, statistical analysis and business intelligence purposes and may transfer such research, statistical or intelligence data in an aggregated to the third parties and it’s affiliates. In particular, Caringly Yours app of Bajaj Allianz General Insurance Company reserves with it the right to use anonymized Information Providers’ demographics information, usage pattern and anonymizedInformation Providers’ health information for the following purposes:

✓ Analysing software usage patterns for improving product design and utility.

✓ Analysing such information for research and development of new technologies.

✓ Using analysis of such information in other commercial product offerings of Caringly Yours app of Bajaj Allianz General Insurance Company.

Sharing of such information for analysing and research to the third parties and it’s affiliates.

BAGIC will take and implement the reasonable security practices, procedures and standards as per Policy of BAGIC, which will be as required and or not less than the applicable laws.

We reserve the right to change, modify, add to, or remove portions of this Privacy Policy and accordingly this Privacy Policy is liable to be changed at any time at the sole discretion of BAGIC and the changed/revised Privacy Policy shall be automatically be applicable to the Information Provider or his/her family members’.

The Information Provider shall comply with all the terms and conditions of “Terms of Use” of BAGIC’s websites/App/wallet.

Address : 3rd Floor, IT Department, Bajaj Allianz House, Airport Road, Yerawada, Pune 411006, Tel : +91-020-66026666, Fax : +91-020-66026667, Email : bagichelp@bajajallianz.co.in, Website : www.bajajallianz.com

ICRA Limited (an Associate of Moody's Investors Service) has assigned an outstanding rating of "[ICRA]AAA" (pronounced [ICRA] triple A) rating which indicates highest degree of safety regarding the timely servicing of our policyholder obligations. This is the highest rating and indicates highest degree of safety for timely delivery of financial obligation and a fundamentally strong position. The prospect of meeting policyholder obligations is the best. The reaffirmation of the outstanding rating, continuously though out the years takes into consideration the company's strong parentage to provide operational, managerial and financial support, strong capitalization and solvency level, prudent underwriting and reinsurance strategy besides the high growth prospects and established market position in the general insurance industry and steady underwriting performance leading to strong profitability metrics.

We at Bajaj Allianz General Insurance send you information on our latest products and services. We convey such information by e-mail or the phone and only to those who we think will find these products and services interesting and beneficial. We respect your privacy, and appreciate that some of you may not want to be contacted over the phone for our telemarketing activities or receive e-mailers. In case you do not want us to contact you on your cell phone or landline number or email address, kindly fill the Do Not Call Form. We will take all efforts not to disturb you on the numbers and email addresses provided by you. Please allow 30 working days for the removal of the specified numbers or email address from our databases. In case you continue to receive phone calls or sms from us please email us at donotcall@bajajallianz.co.in