Altura Insurance Brokers Private Limited
Effective Date:
Last Updated:
1. Introduction
Altura Insurance Brokers Private Limited is an Insurance Broker registered with the Insurance Regulatory and Development Authority of India (IRDAI). We are committed to protecting the privacy, confidentiality, and security of personal information collected through our website and insurance broking services.
This Privacy Policy explains how we collect, use, store, process, disclose, and protect your personal information when you visit our website or avail our services. The policy is designed in accordance with applicable Indian laws, including IRDAI regulations relating to confidentiality and protection of customer information.
By accessing our website or using our services, you consent to the collection and use of your information in accordance with this Privacy Policy.
2. Information We Collect
We may collect the following categories of information:
A. Personal Information
* Full Name
* Date of Birth
* Gender
* Residential Address
* Email Address
* Mobile Number
* PAN, Aadhaar or other KYC details (where required)
* Occupation and income details
* Nominee information
* Policy and insurance-related information
B. Financial Information
* Bank account details
* Premium payment details
* Transaction records
C. Insurance Information
* Existing policy details
* Claims history
* Risk-related information
* Health declarations (where applicable)
D. Technical Information
* IP address
* Browser type and version
* Device information
* Website usage data
* Cookies and similar technologies
3. How We Collect Information
We collect information:
* Directly from you through forms, quotations, proposals, inquiries, and service requests.
* Through telephone conversations, emails, WhatsApp, or other communication channels.
* From insurance companies, TPAs, surveyors, service providers, and authorized third parties.
* Through cookies and website analytics tools.
4. Purpose of Collection and Processing
Your information may be used for:
* Providing insurance broking and advisory services.
* Obtaining quotations from insurers.
* Policy issuance, renewal, endorsement, and servicing.
* Claims assistance and support.
* Customer communication and service updates.
* Regulatory compliance and reporting requirements.
* Prevention and detection of fraud.
* Internal audits, risk management, and quality improvement.
* Responding to inquiries and grievances.
5. Legal Basis for Processing
We process personal information:
* With your consent.
* For performance of services requested by you.
* To comply with legal and regulatory obligations.
* For legitimate business interests related to insurance broking services.
6. Sharing and Disclosure of Information
We may share your information with:
* Insurance Companies.
* Reinsurers.
* Third Party Administrators (TPAs).
* Surveyors and Loss Assessors.
* Claims Service Providers.
* Regulatory Authorities including IRDAI.
* Government, judicial, law enforcement, or statutory authorities as required by law.
* Technology and service providers assisting in our operations.
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
Information shall not be disclosed to unauthorized third parties without your consent except where required by law or regulatory requirements.
7. Data Security
Altura implements reasonable administrative, technical, and physical safeguards to protect personal information against:
* Unauthorized access
* Accidental loss
* Misuse
* Alteration
* Disclosure
* Destruction
While we strive to protect your information, no internet transmission or electronic storage system can be guaranteed to be completely secure.
8. Data Retention
We retain personal information for:
* The duration necessary to provide our services.
* Compliance with applicable laws and regulations.
* Regulatory record-keeping requirements.
* Resolution of disputes and enforcement of legal rights.
Upon expiry of the retention period, data shall be securely deleted, destroyed, or anonymized.
9. Cookies Policy
Our website may use cookies and similar technologies to:
* Improve website functionality.
* Enhance user experience.
* Analyze website traffic.
* Maintain security.
Users may disable cookies through browser settings, though some website features may not function properly.
10. Your Rights
Subject to applicable laws, you may:
* Request access to your personal information.
* Request correction of inaccurate information.
* Withdraw consent where processing is based on consent.
* Request deletion of information where legally permissible.
* Raise concerns regarding the use of your information.
Requests may be submitted through the contact details provided below.
11. Third-Party Websites
Our website may contain links to insurer websites or third-party platforms. Altura is not responsible for the privacy practices or content of such external websites.
Users are encouraged to review the privacy policies of those websites separately.
12. Children’s Privacy
Our website and services are not intended for persons below 18 years of age unless information is provided through a parent, guardian, or lawful representative for insurance-related purposes.
13. Grievance Redressal
In case of any concern, complaint, or grievance regarding privacy or data handling, you may contact:
Grievance Officer
Altura Insurance Brokers Private Limited
Name:
Designation: Grievance Officer
Email:
Phone:
Address:
If you are not satisfied with the resolution, you may approach the grievance mechanisms available through IRDAI, including the Bima Bharosa grievance platform.
14. Changes to this Privacy Policy
Altura reserves the right to modify this Privacy Policy at any time. Updated versions shall be posted on our website with the revised effective date.
Continued use of the website after such updates constitutes acceptance of the revised Privacy Policy
15. Contact Us
Altura Insurance Brokers Private Limited
Registered Office:
Email:
Phone:
Website: