I. Introduction

This Privacy Policy is applicable to all customers of HDFC Life and users of www.hdfclife.com website and consequential services and products made available on the website by HDFC Life.

 

Please read this Privacy Policy carefully. By using any of the Services, You have read and understood the terms and conditions of usage, which includes this Privacy Policy and You agree to be bound by all its terms.

 

II. Contents

This Privacy Policy deals with the following: 

 

  1. Definitions

  2. Information Collection

  3. Use of information

  4. Sharing of Information

  5. Communication

  6. Third party offers

  7. Policy Changes

  8. Information Security

  9. Warranty Disclaimer

  10. Contact Information

 

1. Definitions

  1. HDFC Life” or “Us” or “We”- refers to HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited).

  2. Policy” or” Insurance Policy”- refers to life insurance contract issued/ that may be issued by HDFC Life.

  3. Privacy Policy”- refers to this Policy (Notice)

  4. You” or “Your” or “User(s)”- refers to the person accessing the Website in any capacity.

  5. Website”- refers to www.hdfclife.com and any subsequent pages under its sitemap

  6. Services” - all services made available by HDFC Life

  7. Personal Data” -data about or relating to a natural person who is directly or indirectly identifiable, having regard to any characteristic, trait, attribute or any other feature of the identity of such natural person, whether online or offline, or any combination of such features with any other information, and shall include any inference drawn from such data for the purpose of profiling

  8. Sensitive Personal Data”-means such personal data, which may, reveal, be related to, or constitute financial data, health data, official identifier, sex life, sexual orientation, biometric data, genetic data, transgender status, intersex status, caste or tribe, religious or political belief or affiliation. This also includes “Sensitive Personal Data” as defined under the Indian Information Technology Act, 2008, Sensitive Personal Data Information Technology Rules 2011 and the Aadhaar number and/or the biometric information associated with an Aadhaar number as defined under the Aadhaar Act, 2016 and associated amendments under the act as per UIDAI (Unique Identification Authority of India).

  9. Critical Personal Data” – Personal data which may be notified by the Central Government as critical personal data

 

2. Information Collection

HDFC Life collects information in one or more ways as mentioned below:

  • Information You give us: availing of our products and some of the services made available on the Website require registration in order to create an account. The registration information typically asked for includes Your policy number (if applicable), name, e-mail address, etc. which is voluntarily provided from Your end and help us in personally identifying You. This information is necessary to initiate as well as continually use Your online account and products. If the information provided for such registration is wrong or has changed, You can update it quickly or delete it unless we have to keep that information for legitimate business or legal purposes. However, at the back end, audit trail keeping may require us to retain copy/ log of such information for as long as is legally permitted/required.

  • We may collect the following Personally Identifiable Information (PII) from You(Please note that this is an indicative list):

 

Sl. No.

Particulars of information collected

Purpose of collection

  1.  

Name

Provision of services

  1.  

Phone number

Provision of services

  1.  

Address

Provision of services

  1.  

Email ID

Provision of services

  1.  

Age

Provision of services

  1.  

Marital Status

Provision of services

 

  • We may collect the following Sensitive Personally Identifiable Information from You(Please note that this is an indicative list):

 

Sl. No.

Particulars of information collected

Purpose of collection

  1.  

KYC Details

Financial Due Diligence and policy servicing

  1.  

Credit Score

Financial underwriting

  1.  

Health information

Medical Underwriting

  1.  

Child data (below the age of 18)

Provision of services

  1.  

Voice Recording

Verification/Authentication purposes

  1.  

Video Recording

Verification/Authentication purposes

  1.  

Aadhaar Number and related information

Provision of Services

 

Processing of Sensitive Personally Identifiable Information has a risk of significant harm if its confidentiality is compromised or the data is leaked. The Company shall ensure relevant and reasonable safeguards are put in place in order to process Sensitive Personally Identifiable Information. Your

 

  • Information we get from Your use of our Services on the Website: Visiting and using Services offered under the Website by HDFC Life may result in the Website receiving performance and usage information such as the date and time of Your visit, the kind of browser or computer You use, default language setting, Your unique Internet Protocol address, the number of links You click within the Website, the pages You viewed on the Website, and the web page from which You arrived to our Website. This information however will not be used to personally identify You.

 

  • Information we may get from our affiliates or third parties:We may obtain information about You from other sources, including commercially available sources, such as social media, data aggregators and public databases. We may also collect information about You from Our affiliates or group companies.

 

  • Information we get through sending one or more cookies or anonymous identifiers to Your device:Cookies are small electronic text files that contain information that a website uses to store User preferences and settings. You have the option to reset Your browser to control cookies; however, some of the Services offered by the Website may not function properly if cookies are refused/reset/deleted. 


 

3. Use of information

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 HDFC Life

  • To provide Services 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 other post sales requirement,

  • To send periodic emails,

  • To administer a contest, promotion, survey or other site or business feature,

  • To conduct statistical analysis

  • To develop better products/solutions using artificial intelligence

  • For sales and marketing activities

  • For Aadhaar authentication and sharing, storing, using Aadhaar data

 

4. Sharing of Information

  • HDFC Life or its Website does not collect any personally identifiable information (except in relation to online purchase) unless voluntarily provided by You, and HDFC Life confirms that it shall not rent or sell any of Your personally identifiable information. However, You would be required to provide personal information, including personally identifiable information in the course of Your purchasing or initiating a transaction for purchase of a life insurance policy/ our products, or for initiating any other service request/ transaction under any product purchased by You.

  • HDFC Life will require personally identifiable information and/or Sensitive personal information to be shared for external processing with third party vendors:

  • To meet requirements of any applicable law, regulation, legal process, enforceable governmental request, or customary practice directly or through our affiliates / banks / financial institutions / credit bureaus / agencies,

  • To meet requirements of participation of any telecommunication or electronic clearing network,

  • For statistical analysis and verification or risk management,

  • To enforce applicable terms of Service, including investigation of potential violations,

  • To detect, prevent, or otherwise address fraud, security or technical issues, and

  • To provide You information on products and services offered by our subsidiary companies on pension products or pension schemes administered under PFRDA.

  • To protect against harm to the rights, property or safety of HDFC Life, our Users or the public as required or permitted by law.

  • To outsource non-core activities as defined under the IRDAI guidelines.

  • HDFC Life retains the right to share non-personally identifiable information with third parties for business purposes, to assess Website traffic, patterns and other such purposes. HDFC Life also retains the right to share non-personally identifiable information to comply with applicable legal and regulatory processes, or to protect and defend the rights and interests of HDFC Life and its affiliates and/or other Users or to enforce the terms and conditions which are binding on all customers of HDFC Life and users of the Website.

  • We may share Your Personally Identifiable Information outside of India to our Representative Office in Dubai for limited processing activities and reinsurance purposes. However, a copy of the sensitive information shared will also remain within India.

  • We will take precautions/apply safeguards as required by us under applicable laws, to ensure the confidentiality of any personally identifiable information.

 

5. Communication

HDFC Life retains the right to communicate with You (via e-mail, postal service, courier, mobile messaging services, and telephone or social media extensions) when You have agreed to receive such communication or where operational or regulatory requirements require us to do so. HDFC Life further retains its right to communicate through third party vendors. You shall have the option to unsubscribe to receive such email communication.

 

Once You have raised a request with the Company for any request related to Your data, the Company shall revert to You within 30 days (1 month) of receipt of the request.

 

6. Third party offers

HDFC Life may allow third parties to offer subscription and/or registration-based Services through the Website, App or other platforms (viz. WhatsApp, Twitter, Alexi, etc.). HDFC Life shall not be responsible for any actions or policies of such third parties and Users are requested to check the applicable privacy policy and acquaint themselves with the terms and conditions of usage of such service providers, when providing personally identifiable information. HDFC Life shall be not liable for any variance in the features/benefits offered by such third parties and shall not in any case assume warranty on the efficiency or efficacy of such offers.

 

HDFC Life shares certain personal data with third parties for activities including, but not limited to:

  • Marketing purposes

  • Document management/retention

  • Cloud storage

  • Logistical activities such as printing of Your Welcome Kits, Courier of documents, etc.

  • Cross-selling and up-selling of products of the HDFC Life or its subsidiaries.

  • Medical underwriting

  • Financial Due Diligence

  • Claims related investigation purposes

 

7. Changes to Privacy Policy

HDFC Life may amend or modify, this Privacy Policy including replacing this Privacy Policy with a new Policy, at any time at the sole discretion of HDFC Life. Notice of material changes to this Privacy Policy will be posted on the Website. Revised Privacy Policy/amendments thereto shall be effective from the date indicated therein. Users are requested to periodically check the terms and conditions under this Privacy Policy from time to time. HDFC Life shall not in any circumstance be held liable for such lapses on the part of the Users.

 

8. Information Security

We take reasonable precautions to protect Your personal information, information on the Website and our customers’ information from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. In particular:

  • We encrypt many of our Services using SSL certificates

  • We provide role-based access to Users who need to login to our systems/ applications

  • We provide password based authentication to users who login to our website

  • We review our information collection, storage and processing practices, to guard against unauthorized access to systems.

We permit access to personally identifiable information to our employees, contractors and agents who are subject to strict contractual confidentiality obligations for data processing purposes.

 

9. Storage of Information

The Company uses third party data centres and cloud services to securely store Your data and to minimise data loss. The relevant security safeguards and contractual clauses as required by relevant Laws are adhered to while storing Your data.

 

10. Retention of Information

The Company shall not retain any personal data beyond the period necessary to satisfy the purpose for which it is processed and shall delete the personal data at the end of the processing. However, where it is required by local regulations and applicable law, the Company shall retain Your data for longer than required for the purpose. In some circumstances, HDFC Life may anonymise the data so that it can no longer be associated with the user, in which case HDFC Life may use such data without further reference to the user.

The Company shall take reasonable steps to ensure that data that is not necessary for processing or required to be stored is deleted periodically.

 

11. Warranty Disclaimer

Information, content and materials provided on this Website are on an “As Is” basis and HDFC Life does not make any express or implied representation or warranty regarding the accuracy or completeness of the same.

 

The provisions mentioned basis the draft Personal Data Protection Bill shall be effective from the date of passing of the Personal Data Protection Bill and the prescribed period for implementation or effective date mentioned therein.

 

12. Contact Information

In case You require any further clarifications on the content of this Privacy Policy or terms of use, please contact 

The Information Technology Department, 
HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited), 
'Lodha Excelus', 12th Floor,Apollo Mills Compound,
N .M. Joshi Road, Mahalaxmi, Maharashtra,
Mumbai - 400 011.
Email id: life@hdfclife.com

All Rights Reserved. © HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited). 2013

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