Thank you for visiting the website ("Website") / mobile application ("App") of KARNODAKSHAYI PRIVATE LIMITED ("Insurance Padosi"). Users, customers, visitors, and vendors are collectively referred to as "you" or "your".
If you are accessing or using our Website / App from an overseas location, you do so at your own risk, and shall be solely liable for compliance with any applicable local laws.
(a)Section 43A of the Information Technology Act, 2000 (“IT Act”);
(b) Rule 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (“SPDI Rules”); and
(c)Regulation 3(1) of the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (“Intermediary Guidelines”).
We strive to only collect Personal Information that is adequate, relevant, and limited to achieve the purpose(s) for which it was collected. If you are a user visiting our Website / App, you understand that certain personal information in the nature of name, email address, phone number, residential address, designation, location, etc. may be collected from you.
The Website / App may use cookie and tracking technology (recording information such as internet domain and host names, internet protocol (IP) addresses, browser software and operating system types, stream patterns, and dates and times that the Website / App is accessed) depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Website / App, and understanding how visitors use the Website / App. Cookies can also help customize the Website / App.
We may also collect personal information that you provide to us on our Website / App., register with us, post feedback, participate in any online survey, interact with us on social media, fill out any contact forms for us to assist you on the request raised by you, provide it to us directly such as through business interactions with you or when you visit one of our locations. For example, if you visit our office premises, we may ask that you provide us your first and last name, business association, and email address in order to identify you as a visitor.
At all times, you may refuse all cookies on your browser by changing your settings to the extent permissible on your device. Further, all emails and newsletters from this Website / App allow you to opt out of further mailings. However, by doing so, you may not be able to use certain features on the Website / App or take full advantage of all the offerings and interest-based advertising.
The data stored on the cloud will be primarily accessed by Insurance Padosi’s engineering and data teams. You should be aware that some of the Personal Information that may have been shared on third-party websites may still continue to be available as we do not have control over these websites. Your Personal Information may also appear in online searches. You should only share Personal Information with people that you trust because they will be able to save it or re-share it with others, including when they sync the Personal Information to a device.
We use the Personal Information including SPDI we collect to make the Website / App more effective. We may also use your Personal Information and SPDI for the following purposes:
It is hereby clarified that, if there is a change of purpose, this must be notified to the user. The information collected for a specified Purpose cannot be retained for longer than required for that specific purpose unless required to be retained by the Company for any other Purpose or under applicable law.
It is clarified that the data on your local phone will be deleted as soon as you uninstall the App. The data on the cloud will remain indefinitely, unless you ask for the data to be deleted or in the case of Personal Information, unless the Purpose of such collected Personal Information expires.
We may release your Personal Information when we believe in good faith that such release is appropriate to comply with applicable law including to: (i) conform to legal requirements or comply with legal processes; (ii) protect rights or property of affiliated companies; (iii) prevent a crime or in interest of national security; or (iv) protect personal safety of our users or the public. We may also disclose your Personal Information to enforce or apply our Terms and other agreements; or protect the rights, property or our safety, safety of our users or others. This includes exchanging information with other companies, organisations, government or regulatory authorities for fraud protection and credit risk reduction.
Subject to applicable law, we may at our sole discretion, transfer Personal Information to any other body corporate (as defined under the Information Technology Act, 2000) or a person that ensures at least the same level of data protection as is provided by us under the terms hereof, located in India or any other country. By using the Website / App, you accept the terms hereof and hereby consent to us sharing with and/or processing of your Personal Information and SPDI by our group companies, affiliates, service providers, consultants, or third parties, including in any location outside India, provided that they ensure that your SPDI is protected in compliance with standards that are comparable to the standards of protection afforded to it in India.
You may choose to not provide us with any or all information, but in the event that you do so, we may be unable to provide you with our services or modify the nature of our relationship with you.
We ensure that only authorized employees, agents, and contractors (who have agreed to keep information secure and confidential) have access to this information. We use commercially reasonable physical, administrative, and technical safeguards to preserve the integrity and security of your Personal Data. Further, various security strategies are provided to effectively ensure data security of the user and device.
In order to protect your Personal Information in line with the applicable data privacy laws and regulations, we have implemented appropriate technical and organizational measures. Please be aware that the transmission of information via the internet is not completely secure. Although we will do our best to protect your Personal Information, we cannot guarantee the security of your data transmitted through the Website / App. Once we have received your information, we will use strict physical, electronic, and procedural safeguards to try to prevent unauthorized access.
You agree that the security measures adopted by us are reasonable to protect your Personal Information. We disclaim any liability as a result of any breach of security or unintended loss or disclosure of your Personal Information.
At any time, you may give or withdraw your consent to us for collecting and processing your Personal Information, including in the manner and for the Purposes. You may withdraw or limit your consent at any time by going on ‘Settings’ on the Website / App, and click on ‘Delete Account’ option. This will delete all your personal data and anonymize your device-related data.
We may, however, reserve the right to retain and store your Personal Information for our business purposes, whether such Personal Information has been deleted or not, to the extent permitted by law. Please note that your withdrawal of consent may result in us not being able to provide you with the services or terminate any existing relationship that we may have with you.
You may review the information that you have provided to us at any point by writing to us at firstname.lastname@example.org using the email ID registered with the App. On verifying the email address, we will send you the current snapshot of the data related to you and your products that’s available with us.
Use of the Website / App is available only to persons who can form a legally binding contract under the Indian Contract Act, 1872. If you are under 18 years of age, then please do not use or access the Website / App at any time or in any manner. If you are a parent or guardian and discover that your child under 18 years of age has visited the Website / App, then you may alert us at email@example.com and request that we delete that child’s Personal Information from our systems.
We do not knowingly collect any personal information from users who are less than 18 years of age. Upon discovery of any personal information of any child, we shall purge such personal information in accordance with applicable law.
We maintain channels, pages, and accounts on some social media platforms to communicate with, support, and interact with staff members, partners, and clients/customers. To improve our products and services, we keep track of and log comments and postings made on various channels about the company.
Please be aware that you may not provide the following information to us via such social media sites:
Other than the content uploaded by our employees on our behalf, we are not liable for any information posted on those sites. We are only accountable for how it uses the personal information it receives from these sites.
Name of Grievance Officer – Vaibhav Kathju
Postal Mailing Address: CYB-5, Cyber Park, Heavy Industrial Area Jodhpur Shastri Nagar Jodhpur Jodhpur, Rajasthan 342003
You agree and undertake to indemnify us in any suit or dispute by any third party arising out of the disclosure of information by you to third parties either through our Website/App or otherwise and your use and access of websites, applications, and resources of third parties.