You agree that we may use Customer Information for the purpose of statistical or other analysis and for creation of data ("Statistical Information"), which does not contain individual Customer Information. In addition to the information that Zurich Kotak General Insurance elicits from you, you are free to volunteer any other information that you feel that Zurich Kotak General Insurance needs to know, but the security and confidentiality as per this Policy is guaranteed only to the information that the Company directly asks from you.
This Policy holds true for a non-customer who has provided information to the Company, by any means, with the intentions of establishing a relationship, of whatsoever nature, with the Company. By divulging any information to us you agree to the terms and conditions of this Policy.
Use of Customer Information / Statistical Information We may use the Customer Information for, among other things, customer verification, provision of products and services, for personalisation of products or services, marketing or promotion of our financial services or related products or that of our associates and affiliates; for creation of Statistical Information, statistical analysis or credit scoring, enforcement of your obligations, any other purpose that will help us in providing you with optimal and high quality services.
Security
We have taken reasonable measures to protect security and confidentiality of the Customer Information and its transmission through the World Wide Web.
You are required to follow the Terms and Conditions while using this Website including the instructions stated therein in respect of security and confidentiality of your Log-in and Password.
The Company will give access to Customer Information to only authorised employees. Employees who violate this Privacy Policy shall be subject to disciplinary process as per the byelaws of the Company. Any employee who withdraws from the employment of the Company will have to undertake to abide by this Privacy Policy and keep all Customer Information secure and confidential.
Disclosure
We shall not be held liable for disclosure of the Customer Information or statistical Information in accordance with this Privacy Commitment or in terms of any other agreements with you.
We may disclose the Statistical Information to any person, without any limitation and you hereby give your irrevocable consent for the same.
We may disclose Customer Information to any of our associates and affiliates, without any limitation and you hereby give your consent for the same.
We may disclose the Customer Information, to third parties, without limitation, for the following reasons and you hereby give your irrevocable consent for the same:-
To comply with legal requirements, legal process, legal or regulatory directive / instruction or
To enforce the Terms and Conditions of the products or services or
To protect or defend our rights, interests and property or that of our associates and affiliates, or that of our or our Affiliate's employees, consultants etc. or
For fraud prevention purposes or
As permitted or required by law.
We may disclose the Customer Information to third parties for following, among other purposes, and will make reasonable efforts to bind them to obligation to keep the same secure and confidential and an obligation to use the information for the purpose for which the same is disclosed, and you hereby give your irrevocable consent for the same: -
For participation in any telecommunication or electronic clearing network or
For credit rating by a credit rating agency or
For advertising or
For facilitating joint product promotion campaigns or
For lead generation
For availing of the support services from third parties e.g. collecting subscription fees, for the purpose of collection of premiums / outstanding dues on your policy, for providing information to our customers / prospective customers through SMS alerts / telecalling
For notifying or contacting you regarding any problem with, or the expiration of, any services availed by you
For risk sharing / risk transfer / risk reduction with our Reinsurance agencies / Companies (Both Indian and Foreign)
Android Health Connect
We use the Android Health Connect SDK from Google (more information can be found here), i.e. an open platform that allows users to control their fitness data. We process and collect the step, activity, and sleep data through the Health Connect SDK with the user's consent.
After connecting to Health Connect, the user can see his/her step data in a graphical format, and the app automatically collects step data from Health Connect. Data is collected until the user either turns off the step counter functionality, logs out of his/her user account in the app or deletes the app.
We handle Health Connect data following Google Services User Data Policy.
Health Connect and Apple Health Data
a. Collection and Usage of Health Data:
We value the privacy and security of our users. Zurich Kotak General Insurance Company (India) Limited (Zurich Kotak General Insurance) application requests access to health-related permissions, specifically the ability to read steps. This data is collected for the sole purpose of enhancing the user experience and providing features related to health and fitness. Data received from Health connect and Apple health platform will not be used for sale and will not be shared with any third party without specific consent from the user.
b. Purpose of Health Data Access:
Zurich Kotak General Insurance app utilizes health-related permissions to track daily steps. This data is processed locally on the user's device and would be used by the Company for providing wellness services / benefits. With the users consent, the data would be shared to the service providers of the Company for facilitating the above said services and not with any other third parties.
c. User Consent:
By using Zurich Kotak General Insurance app, you explicitly consent to the collection and usage of health-related data for the purposes outlined in this privacy policy. You have the option to grant or deny these permissions within the app settings.
d. Security Measures:
We implement robust security measures to protect the confidentiality and integrity of health-related data. This includes secure storage, and we are using https throughout the Zurich Kotak General Insurance app for secure connection. We implement industry-standard technical and organizational measures by using a variety of security technologies and procedures to help protect your data from unauthorized access, use, loss, destruction or disclosure. When we collect particularly sensitive data (such as your password), it is encrypted using industry-standard cryptographic techniques including but not limited to AES256.
The collection, storage, usage, and sharing of your data by the Company shall be in compliance with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and other applicable laws.
e. Data Retention:
We retain health-related data only for as long as necessary to fulfill the purposes outlined in this privacy policy. Users can request the deletion of their data by e-mailing it to care@zurichkotak.com