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Privacy Policy

This Privacy Policy ("Policy") our branch is Post Office: PUNE CITY Post Office Type: HEAD OFFICE District: PUNE State: MAHARASHTRA Pin Code: 411002 and describes the policies and procedures on the collection, use, disclosure and protection of your information when you use our website located atNovaSmartInsurance.in, or the NovaSmartInsurance mobile application (collectively, "NovaSmartInsurance Platform") made available by NovaSmartInsurance Consumer Solutions Private Limited ("NovaSmartInsurance", "Company", "we", "us" and "our").

The terms "you" and "your" refer to the user of the NovaSmartInsurancePlatform. The term "Services" refers to any services offered byNovaSmartInsurance whether on the NovaSmartInsurance Platform or otherwise.

Please read this Policy before using the NovaSmartInsurance Platform or submitting any personal information to NovaSmartInsurance. This Policy is a part of and incorporated within, and is to be read along with, the Terms of Use.

YOUR CONSENT

By using the NovaSmartInsurance Platform and the Services, you agree and consent to the collection, transfer, use, storage, disclosure and sharing of your information as described and collected by us in accordance with this Policy. If you do not agree with the Policy, please do not use or access the NovaSmartInsurance Platform.

POLICY CHANGES

We may occasionally update this Policy and such changes will be posted on this page. If we make any significant changes to this Policy we will endeavour to provide you with reasonable notice of such changes, such as via prominent notice on the NovaSmartInsurancePlatform or to your email address on record and where required by applicable law, we will obtain your consent. To the extent permitted under the applicable law, your continued use of our Services after we publish or send a notice about our changes to this Policy shall constitute your consent to the updated Policy.

LINKS TO OTHER WEBSITES

The NovaSmartInsurance Platform may contain links to other websites. Any personal information about you collected whilst visiting such websites is not governed by this Policy. NovaSmartInsurance shall not be responsible for and has no control over the practices and content of any website accessed using the links contained on theNovaSmartInsurance Platform. This Policy shall not apply to any information you may disclose to any of our service providers/service personnel which we do not require you to disclose to us or any of our service providers under this Policy.

INFORMATION WE COLLECT FROM YOU

We will collect and process the following information about you:

Information you give us

This includes information submitted when you:

  • Create or update your NovaSmartInsurance account, which may include your name, email, phone number, login name and password, address, payment or banking information, date of birth and profile picture. If you sign in to the NovaSmartInsurance Platform through third-party sign-in services such as Facebook, Google Plus or Gmail or any other social networking or similar site (collectively, "SNS"), an option of which may be provided to you by NovaSmartInsurance at its sole discretion, you will be allowing us to pass through and receive from the SNS your log-in information and other user data; or
  • Provide content to us, which may include reviews, ordering details and history, favorite vendors, special merchant requests, contact information of people you refer to us and other information you provide on the NovaSmartInsurance Platform ("Your Content").
  • Use our Services, we may collect and store information about you to process your requests and automatically complete forms for future transactions, including (but not limited to) your phone number, address, email, billing information and credit or payment card information.
  • Correspond with NovaSmartInsurance for customer support;
  • Participate in the interactive services offered by theNovaSmartInsurance Platform such as discussion boards, competitions, promotions or surveys, other social media functions or make payments etc., or
  • Enable features that require access to your address book or calendar;
  • Report problems for troubleshooting.

Information we collect about you

With regard to each of your visits to the NovaSmartInsurance Platform, we will automatically collect and analyse the following demographic and other information:

  • When you communicate with us (via email, phone, through theNovaSmartInsurance Platform or otherwise), we may maintain a record of your communication;
  • Location information: Depending on the Services that you use, and your app settings or device permissions, we may collect your real time information, or approximate location information as determined through data such as GPS, IP address;
  • Usage and Preference Information: We collect information as to how you interact with our Services, preferences expressed and settings chosen. NovaSmartInsurance Platform includes the NovaSmartInsuranceadvertising services ("Ad Services"), which may collect user activity and browsing history within the NovaSmartInsurance Platform and across third-party sites and online services, including those sites and services that include our ad pixels ("Pixels"), widgets, plug-ins, buttons, or related services or through the use of cookies. Our Ad Services collect browsing information including without limitation your Internet protocol (IP) address and location, your login information, browser type and version, date and time stamp, user agent,NovaSmartInsurance cookie ID (if applicable), time zone setting, browser plug-in types and versions, operating system and platform, and other information about user activities on theNovaSmartInsurance Platform, as well as on third party sites and services that have embedded our Pixels, widgets, plug-ins, buttons, or related services;
  • Transaction Information: We collect transaction details related to your use of our Services, and information about your activity on the Services, including the full Uniform Resource Locators (URL), the type of Services you requested or provided, comments, domain names, search results selected, number of clicks, information and pages viewed and searched for, the order of those pages, length of your visit to our Services, the date and time you used the Services, amount charged, details regarding application of promotional code, methods used to browse away from the page and any phone number used to call our customer service number and other related transaction details;
  • Device Information: We may collect information about the devices you use to access our Services, including the hardware models, operating systems and versions, software, file names and versions, preferred languages, unique device identifiers, advertising identifiers, serial numbers, device motion information and mobile network information. Analytics companies may use mobile device IDs to track your usage of theNovaSmartInsurance Platform;

If you sign in to the NovaSmartInsurance Platform through SNS

If you sign in to the NovaSmartInsurance Platform through SNS, you will be allowing us to access the information in your SNS user account, such information may include but may not be limited to your SNS user account profile picture, email address, name, location, birthday, profile URL and gender. We may receive different information from SNS depending on your privacy settings with such SNS.

COOKIES

Our NovaSmartInsurance Platform and third parties with whom we partner, may use cookies, pixel tags, web beacons, mobile device IDs, "flash cookies" and similar files or technologies to collect and store information with respect to your use of the NovaSmartInsurancePlatform and third-party websites.

Cookies are small files that are stored on your browser or device by websites, apps, online media and advertisements. We use cookies and similar technologies for purposes such as:

  • Authenticating users;
  • Remembering user preferences and settings;
  • Determining the popularity of content;
  • Delivering and measuring the effectiveness of advertising campaigns;
  • Analysing site traffic and trends, and generally understanding the online behaviours and interests of people who interact with our services.

A pixel tag (also called a web beacon or clear GIF) is a tiny graphic with a unique identifier, embedded invisibly on web pages (or web emails), and is used to count or track things like activity on a web page or server log, etc. We use pixel tags to measure the popularity of our various pages, features and services. We also may include web beacons in e-mail messages or newsletters to determine whether the message has been opened and for other analytics.

To modify your cookie settings, please visit your browser's settings. By using our Services with your browser settings to accept cookies, you are consenting to our use of cookies in the manner described in this section.

We may also allow third parties to provide audience measurement and analytics services for us, to serve advertisements on our behalf across the Internet, and to track and report on the performance of those advertisements. These entities may use cookies, web beacons, SDKs and other technologies to identify your device when you visit the NovaSmartInsurance Platform and use our Services, as well as when you visit other online sites and services.

Please see our Cookie Policy for more information regarding the use of cookies and other technologies described in this section.

USES OF YOUR INFORMATION

We use the information we collect for following purposes, including:

  1. To provide, personalise, maintain and improve our products and services, such as to enable deliveries and other services, enable features to personalise your NovaSmartInsurance account;
  2. To carry out our obligations arising from any contracts entered into between you and us and to provide you with the relevant information and services;
  3. To administer and enhance the security of our NovaSmartInsurancePlatform and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
  4. To provide you with information about services we consider similar to those that you are already using, or have enquired about, or may interest you. If you are a registered user, we will contact you by electronic means (e-mail or SMS or telephone) with information about these services;
  5. To understand our users (what they do on our Services, what features they like, how they use them, etc.), improve the content and features of our Services (such as by personalizing content to your interests), process and complete your transactions, make special offers, provide customer support, process and respond to your queries;
  6. To generate and review reports and data about, and to conduct research on, our user base and Service usage patterns;
  7. To allow you to participate in interactive features of our Services, if any; or
  8. To measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you.
  9. If you are a partner restaurant, merchant or a delivery partner, to track the progress of delivery or status of the order placed by our customers.
  10. To carry out academic research with academic partners.

We may combine the information that we receive from third parties with the information you give to us and information we collect about you for the purposes set out above.

SHARING OF YOUR INFORMATION

We may share your personal information with:

  1. Any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, who support our processing of personal data under this policy. If we share your information with our group companies, they will process your information in a manner consistent with this Privacy Policy and with all applicable data protection and privacy laws.
  2. Advertisers and advertising networks that require the data to select and serve relevant adverts to you and others. We do not disclose information about identifiable individuals to our advertisers, but we will provide them with aggregate information about our users. We may also use such aggregate information to help advertisers reach the kind of audience they want to target.
  3. Analytics and search engine providers that assist us in the improvement and optimisation of our site.
  4. Credit reference agencies for the purpose of assessing your credit score to the extent this is a condition of us entering into a contract with you.
  5. We may disclose your personal information to third parties:
    • In the event that we sell or buy any business or assets, in which case we will disclose your personal data to the prospective seller or buyer of such business or assets.
    • If NovaSmartInsurance or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
    • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of NovaSmartInsurance, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

PROCESSING OF YOUR INFORMATION

We will use your information for the purposes listed above either on the basis of:

  • Performance of your contract with us and the provision of our services to you;
  • Your consent (where we request it);
  • Legitimate interests (see below); or
  • Necessity for compliance with our legal obligations.

We do not rely on consent as a legal basis for processing your personal data other than in relation to sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.

We may process your personal information for our legitimate business interests. "Legitimate Interests" means the interests of our company in conducting and managing our business to enable us to give you the best service/products and the best and most secure experience. For example, we may process your information to protect you against fraud when transacting on our website, and to ensure that our websites and systems are secure. When we process your personal information for our legitimate interests, we make sure to consider and balance any potential impact on you (both positive and negative), and your rights under data protection laws. Our legitimate business interests do not automatically override your interests - we will not use your Personal Data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).

STORAGE AND TRANSFER OF YOUR INFORMATION

The information that we collect from you may be transferred to, and stored at, a destination outside India. It may also be processed by staff operating outside India who work for us or for one of our suppliers. Such staff may be engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this policy.

All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

YOUR RIGHTS

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at privacy@NovaSmartInsurance.in.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

DATA RETENTION

We may retain your personal information as long as you continue to use the Services, have an account with us, or for as long as is necessary to fulfill the purposes outlined in the policy. You can ask to close your account by contacting us at the details above, and we will delete your personal information on request.

We may, however, retain personal information for an additional period as is permitted or required under applicable laws, for legal, tax, or regulatory reasons, or for legitimate and lawful business purposes.

CHANGES TO OUR PRIVACY POLICY

Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

CONTACT

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to privacy@NovaSmartInsurance.in.