Collection of Personal Information including Sensitive Personal Data or Information

 

We and our authorized third parties may collect different types of Personal Information and Sensitive personal Data or Information, as required under laws and regulation and also based on your desire to invest in our insurance products and services and our business relationship with you.

This Personal Information and Sensitive personal Data or Information collected, handled and dealt by us may include, amongst other things:

Information that allows TALIC to provision desired insurance product and to communicate with you and comply with current legal and regulatory requirements. This information may include but not limited to:

Personal Information: Your name, Age, Gender, Date of Birth, Photographs, Password to TALIC Customer Portal, information relating to our Know Your Customer (KYC) Obligations, Nationality, Educational Qualification, Occupation, Avocation, Employment details, Criminal record, Aadhar Card and any other information which is capable of identifying you.

Contact Information: Your address, Telephone numbers, Email id etc. 

Financial Information: Details pertaining to your bank account, credit/debit cards, Payment Instruments, Annual Income, Investment/Savings, Income Tax (PAN Card, Form 16 etc.) 

Health Information: Your Height, Weight, Illness/diseases, Medical Test Reports etc.

Other Information: Any Information contained in documents used as proof of Identity and proof of address, proof of age, proof of income that may help to provide, improve and maintain our products and services which may ultimately be beneficial to you. Biometric information that measures and analyses human body characteristics (such as fingerprints, eye retinas and irises, voice patterns, facial patterns, hand measurements and DNA) for authentication purposes. Other Information may be collected in the form of various surveys which you agree to participate in or provide other feedback to us regarding our products or services; when you register to receive news or public policy updates or when you apply for a job through our website; subscription enquiries through our web site.

In case you do not provide your information or consent for usage of personal information or later on withdraw your consent for usage of the personal information so collected, TALIC reserves the right to discontinue/cancel the insurance policy /services for which, the said information was sought.

 

Use of your Personal Information and Sensitive personal Data or Information.

 

The Personal Information and Sensitive personal Data or Information that we collect from you is held in accordance with applicable laws and regulations in India. It may be used by us for a number of lawful purposes connected with our business operations and functions, which include but not limited to:

• Verification of your identity as per prevalent laws and regulation; 
• Processing your request and providing you with products and/or services requested or administering your account; 
• Settling accounts with those who provide related services to us; 
• Dealing with requests, enquiries or complaints and other customer care related activities; and all other general administrative and business purposes; 
• Carrying out market and product analysis and marketing our companies’ products and services and communicate updates, offers and promotion. 
• Customer analytics on usage pattern and deliver customized content and advertising that may be of interest to you; 
• Provide you with the best customer experience possible; 
• Address network integrity and security issues; 
• Carrying out any activity in connection with a legal, governmental or regulatory requirement , for the purpose of compliance of a legal obligation, in connection with legal proceedings, in connection with prevention, detection , investigation including cyber incidents, prosecution, and punishment of offences protect and defend our rights or property or act in an emergency to protect someone's safety or to help investigations, monitor or prevent or take action regarding unlawful and illegal activities, suspected fraud, potential threat to the safety or security of any person. 
• Carrying out activities connected with the running of our business such as personnel training, quality control, network monitoring, testing and maintenance of computer and other systems and in connection with the transfer of any part of our business in respect of which you are a customer or a potential customer; 

 

Disclosure of Personal Information and/or Sensitive personal Data or Information.

 

We may disclose and/or transfer your Personal Information and/or Sensitive personal Data or Information at times to third parties in cases it is necessary for providing services to you and/or if you have consented for the same. We may disclose and/or transfer your information to:

• Other companies that provide services directly to you on our behalf or provide services to us by collecting, receiving, processing, storing, dealing or handling your information. To enable them to do this, we may need to share your personal information and/or Sensitive personal Data or Information with them. 
• Anyone we transfer our business to in respect of which you are a customer or a potential customer; 
• To any other entity or organization in order for them to understand our environment and consequently, provide you with better services. We may share your Personal Information including Sensitive personal Data or Information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information including Sensitive Personal Data Or Information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation.

Any Personal Information including Sensitive Personal Data or Information may be required to be disclosed to any third party by us by an order under the law for the time being in force.

If a customer does not wish to provide the Personal Information requested or the consent for use of her Personal Information or later withdraws the consent for use of the Personal Information collected, TATA AIA Life Insurance reserves the right not to provide services or to withdraw the services for which the information was sought/collected from the customer.

 

Protection of your Personal Information

 

We shall take reasonable steps to ensure that the personal information and/or Sensitive personal Data or Information pertaining to you is stored in a secure environment protected from unauthorized access, modification or disclosure.

We maintain information pertaining to you in our business records as per current regulatory requirements. TALIC shall retain your personal Information for as long as required to provide you with services or otherwise required under the law.

 

Information retention

 

TATA AIA Life Insurance will retain information about its customers for as long as it is necessary to fulfil the purpose for which such information was collected or as may be required to comply with the internal TATA AIA Life’s Insurance policies or as is otherwise required under any law in force from time to time.

 

Reasonable security practices and procedures

 

TATA AIA Life Insurance uses reasonable and appropriate techniques and processes to protect Personal Information.

TATA AIA Life Insurance is committed to implement physical, electronic, and procedural safeguards to protect customer Personal Information against loss, misuse, damage and unauthorized access, modification or disclosure. TATA AIA Life Insurance continuously reviews and enhances TATA AIA Life’s Insurance security policies and security measures to consistently maintain a high level of security.

We maintain information pertaining to you in our business records as per current regulatory requirements.

 

Changes to our Privacy Policy

 

We reserve the right to update this Policy as necessary from time to time. Please check our websites periodically for changes to this Privacy Policy as we shall update such changes as soon as possible. Users may note that such change of policy shall be effective from date of announcement by TALIC and not from the date of posting on the site.

 

Definitions used in this policy

 

"Personal information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person "Sensitive personal data or information" of a person means such personal information which consists of information relating to:-

• Password; 
• Financial information such as Bank account or credit card or debit card or other payment instrument details ; 
• Physical, physiological and mental health condition; 
• Sexual orientation; 
• Medical records and history; 
• Biometric information; 
• Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for the purposes of these rules. 
• Third party: For the purposes of this document, a ‘Third Party’ is a service provider who associates with TALIC and is involved in handling, managing, storing, processing, protecting and transmitting information of TALIC and also includes all sub-contractors, consultants and/or representatives of the Third party.

Cookie Policy

We use cookies, pixels and tags (which we shall collectively define as “Cookies”) on the Tata AIA Life Insurance web site for a variety of purposes which are described in this Cookie Policy. By using the Tata AIA Life Insurance web site, you are giving consent to the storing and accessing of Cookies on your device in accordance with the terms of this Cookie Policy.

What are cookies and what do they do?

A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit the Tata AIA Life Insurance web site, a computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies.

How we use cookies on the Tata AIA Life Insurance web site

Tata AIA Life Insurance digital platforms use various third party services to promote our products and services. These third-party services use cookies which are downloaded to your device when you visit a website in order to provide a personalized browsing experience. Cookies are used for lots of tasks like remembering your preferences & settings, provide personalized browsing experience and analyse site operations. These cookies collect information about how users use a website, for instance, how often visited pages. All information collected by third party cookies is aggregated and anonymous, the user should be identifiable through the information. By using our website user/s agree that these types of cookies can be placed on his/her device. User/s is free to disable/delete these cookies by changing his/her device / browser settings.  We do not store any personal information such as your name, address, phone number or email in the cookie. 

Consent and blocking of the use of cookies on the Tata AIA Life Insurance web site

By navigating away from the home page of the Tata AIA Life Insurance web site and continuing to use the Tata AIA Life Insurance web site, you are consenting to our use of the Cookies described in this Cookie Policy.

If you do not consent to Tata AIA Life Insurance using Cookies or, having previously consented to our use of Cookies, you decide to block such use then please read the next section of this Cookie Policy entitled “Blocking our Use of Cookies”. These First Party Cookies shall expire periodically without any notice to the user.

Blocking our Use of Cookies

You can block our use of Cookies at any time by activating the settings in your web browser. 

What Happens if I Block Cookies?

If you choose to withhold consent to Tata AIA Life Insurance’s use of Cookies, or subsequently block Cookies that you previously consented to, some aspects of the Tata AIA Life Insurance web site may not work properly and you may not be able to access all or part of our Tata AIA Life Insurance web site.

Any information that we collect from you may be used for a variety of purposes including but not limited to the following:

• To provide you with insurance related products that you may purchase from Tata AIA Life Insurance
• To provide better services and enhance user experience to all users of the website
• To personalize Your experience,
• To improve our Website,
• To improve our products and customer service,
• To process transactions, where requested, under Your User Id and Password,
• To close a sale as well as for post sales information gathering,
• To communicate with You for any service other post sales requirement,
• To send periodic emails,
• To all marketing activities, administer a contest, promotion, survey or other site or business feature,
• To conduct statistical analysis
• To develop better products/solutions using artificial intelligence

Third party web sites and platforms

Cookies can be classified as ‘first party’ or ‘third party’.

• First party cookies:
  These are cookies placed on your device by our website domain.
• Third party cookies:
  These are cookies placed on your device by third party (partner) website domains which are used to collect the analytical information like pages visited, time spent, buttons clicked etc. These third-party cookies can be of companies we work with, social media websites, search engines, advertising networks and business partners. This policy does not extend to those sites and Tata AIA Life Insurance is not responsible for the cookies placed on your device by third party website and any information collected thereto. If you would like to know more about their Cookie Policy or opt out of these cookies, then we request you to visit the respective third party’s Cookie Policy.

• Links to sites provided by others

If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their site.in the event that any such website administrator or third party gains access to the cookies from your computer, phone, tablet or any other internet enabled device.

Amendments to the Cookie policy

We may update this policy from time to time, as per our sole discretion. You are requested to refer the policy regulatory to keep yourself informed of the changes, if any.