Privacy Policy

We are committed to doing business with the highest ethical standards and appropriate internal controls with respect to protecting Your information. Our Privacy Policy applies to all users of the Website and the Service. We adhere to the following policies with regards to Your privacy.

1. DEFINITIONS

    • “Non-Personal Information” is information that is in no way personally identifiable and that is obtained automatically through Your simple use of the Website with a web browser or the Service.
    • “Personally Identifiable Information” is non-public information that is personally identifiable and obtained in connection with providing a product or service to You. It may include information such as Your name, address, age, telephone number etc.

2. INFORMATION COLLECTED

When You enter the Website, We collect Non-Personal Information such as Your browser type and IP address. Likewise, in order to offer You meaningful products and services and for other reasons, We may collect Personally Identifiable Information about You from the following sources:

    • Information You give us on applications or other forms on the Website and/or Software; or
    • Information You send us via any medium, including, but not limited to email, telephone, and social media interaction; or
    • If You use a mobile device platform to access the Services or communicate with Coverwell, information transmitted from Your mobile device; or
    • Information from third parties.

Following are briefly ways and means by which information could be collected:

A. REGISTRATION

In order to become a user of Services, You may provide us the following information to create an account: name, email address, company name and address, phone number. We may request other information from You during or after the registration process that Coverwell uses to provide better and more customized services to You. You acknowledge that this information is personal to You, and by creating an account on Coverwell Website, You may allow others, including Coverwell, to identify You and to allow Coverwell to use Your information in accordance with the Terms.

B. CUSTOMER SERVICE

We collect information when You interact with Coverwell’s customer service in order to accurately categorize and respond to customer inquiries and investigate breaches of Our terms.

C. USING THIRD PARTY SERVICES AND VISITING THIRD PARTY WEBSITES

Information You provide to third party websites through the Website or the Service are not within the control of Coverwell and You provide such information at Your own risk. The terms and conditions of use and the privacy policies of such third party websites that You provide information to through the Service will govern their use of such information. Any information You share with third party websites through the Website or the Service will be collected by Coverwell. Coverwell will use such information in compliance with this Privacy Policy.

D. USE OF COOKIES

The Website may send a “cookie” to Your computer. A cookie is a small piece of data that is sent to Your browser from a web server and stored on Your computer’s hard drive. A cookie cannot read data off Your hard disk or read cookie files created by other websites. Cookies do not damage Your system. Cookies allow Us to recognize You as a user when You return to the Coverwell Website using the same computer and web browser. We use cookies to identify which areas of Our Website You have visited and how you use the Website the data collected is used to analyse your use of the Website and to enhance the user experience. We also may use this information to better personalize the content that You see on the Website. Most browser software can be set to reject Cookies. However, if You reject Our Cookies, certain functionality on the Website may not work correctly or at all. We do not link Non-Personal Information from Cookies to Your Personally Identifiable Information.

In the course of optimizing the Service to Our Users, We may allow authorized third parties to place or recognize a unique cookie on Your browser. Any information provided to third parties through cookies will not be personally identifiable, but may provide general segment information for the enhancement of Your user experience by providing more relevant advertising.

E. WEB BEACONS

Coverwell also may use web beacons, pixels, anonymous ad network tags, and cookies to collect Non- Personal Information about Your use of the Website and the websites of selected sponsors and advertisers, to collect anonymous, aggregated auditing, research and reporting for advertisers, and to collect data related to Your use of special promotions or newsletters etc. The information collected by Web Beacons also allows us to statistically monitor data with respect to our Website and Services and those of our associated third parties. Our Web Beacons are not used to track Your activity outside of the Website or the websites of Our sponsors. We do not link Non-Personal Information from Web Beacons to Personally Identifiable Information without Your permission. However, because Your web browser requests advertisements and web beacons directly from ad network servers, these networks can view, edit or set their own cookies, just as if You had requested a web page from their Website. If You are a non-registered visitor to the Website, the only information We collect will be Non-Personal Information through the use of cookies or web beacons.

F. LOG FILES, IP ADDRESSES AND INFORMATION ABOUT YOUR COMPUTER AND MOBILE DEVICE

Due to the communications standards on the internet, when You visit the Website We automatically receive the URL of the website from which You came and the website to which You are going when You leave Coverwell’s Website. Coverwell also receives the internet protocol (“IP”) address of Your computer (or the proxy server You use to access the World Wide Web), Your computer operating system and type of web browser You are using, your usage patterns, Your mobile device (including Your UDID) and mobile operating system (if You are accessing the Website using a mobile device), as well as the name of Your ISP or Your mobile carrier. Coverwell may also receive location data passed to it from third-party services or GPS-enabled devices that You have enabled. Also, as described above in Section 2.D. Coverwell receives information when You access third-party web pages through the Service. The link between Your IP address and Your personally identifiable information is not shared with third parties without Your permission, except as described in Section 8. (“When We May Disclose Your Information”), below.

G. BEHAVIORAL TARGETING

Coverwell may partner with a third party ad network to either display advertising on Website or to manage our advertising on other sites. Our ad partner uses cookies and Web beacons to collect non- personally identifiable information about your activities on Website and other websites to provide you targeted advertising based upon your interests.

H. WIDGETS

The Website and the Services includes Social Media Features, such as showing a Twitter feed. These features may collect your IP address, which page you are visiting on website, and may set a cookie to enable the feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on Website. Your interactions with these Features are governed by the privacy policy of the company providing it.

3. EXEMPTIONS FROM PRIVACY POLICY

Our Privacy Policy does not apply to any information You post from the Website to other third party websites, due to the public nature of such postings.

4. USE OF PERSONALLY IDENTIFIABLE INFORMATION

Coverwell uses and/or intends to use Personal Information to:

    • Operate and improve the Website;

Provide Users with the Service and other products and services that a User may request or that a User has expressed interest in;

Facilitate subscription processing, reviews and analysis;

Evaluate User interest and needs in order to improve the Service and make available other offers, products or services;

Evaluate the types of offers, products or services We make available to Users and potential Users;

    • Track use of the Services;
    • Provide customer support;

Communicate and provide additional information that may be of interest to Users through email or other means, such as special offers, announcements, and marketing materials;

Send You reminders, technical notices, updates, security alerts and support and administrative messages, service bulletins, or marketing;

Provide advertisements to You through email messages; and

Manage Our everyday business needs such as Website administration, forum management, fulfillment, analytics, fraud prevention, enforcement of Our corporate reporting obligations, Terms of Use or to comply with the law.

5. LINKS/POSTINGS TO OTHER WEBSITES

The Website and/or Service may contain links to other Websites. Coverwell is not responsible for the actions, practices, or content of such Websites linked to or from the Website. You understand that such websites may have their own legal documents to which You must agree to prior to using and that We have no control over these legal documents. As always, You understand that it is Your responsibility to verify Your legal use of a website as well as use of information from the website with the corresponding website owner.

6. MARKET RESEARCH

Coverwell may conduct online research surveys in order to gather feedback about the Website and opinions on important issues, through email invitations. When participating in a survey, We may ask You to submit Personally Identifiable Information. This Personally Identifiable Information is used for research purposes, and is not used for sales solicitations. Personally Identifiable Information collected through market research will be used only by Coverwell and will not be given or sold to a third party without Your consent or as otherwise permitted by this Privacy Policy.

8. USE OF AGGREGATE DATA

Coverwell may combine Non-Personal Information You provide through the Website with information from other users to create aggregate data that may be disclosed to third parties. Aggregate information does not contain any information that could be used to identify You and does not include Your personal contact information.

9. WHEN WE MAY DISCLOSE YOUR INFORMATION

Except as set forth below or as specifically agreed to by You, Coverwell will not disclose any Personally Identifiable Information as gathered from You on the Website.

A. We may share Personally Identifiable information in limited fashion to Our contractors and service providers that perform services on Our behalf, including, but not limited to, operation of the Website technology, marketing services, research services and other related services. Unless You have opted- out (see Section 8.C. below) of such sharing, these contractors also may have access to Your email address to send newsletters or special promotions to You on Our behalf or to send emails to You for purposes such as conducting market research on Our behalf. Access to Your Personally Identifiable Information by such contractors and service providers is limited to the information reasonably necessary for the contractor to perform its limited function for Coverwell. We also contractually require that such contractors and service providers: 1) protect the privacy of Your Personally Identifiable Information consistent with this Privacy Policy, and 2) not use or disclose Your Personally Identifiable Information for any purpose other than providing us with products and services as required by law.

B. We may share Personally Identifiable information We collect, as permitted by law, to companies such as credit reporting agencies, or servicing and processing companies, or when required or advised to do so in response to a valid legal requirement to release this information such as a state or federal law, regulation, search warrant, subpoena, or court order; or (2) in special cases, such as in response to a physical threat to You or others, to protect property, or defend or assert legal rights, to defend ourselves in litigation. In the event that We are legally compelled to disclose Your Personally Identifiable information to a third party, We will attempt to notify You unless doing so would violate the law or court order.

C. If You prefer that We do not share certain information with Our contractors and service provider, as described above, You can direct us not to share that information by contacting us at rajesh_saigal@coverwellindia.in. Please note that an opt-out with respect to information sharing will not apply to information sharing arrangements described Sections 8.A or B.

Finally, Coverwell may provide content and services to You through websites other than Our own. Coverwell will not disclose Your Personally Identifiable Information to these 3rd party websites without Your consent, but You should be aware that any information You disclose on such Websites is NOT subject to this Privacy Policy.

9. SECURITY POLICY & USER ID/PASSWORD

Our Website and Service utilizes various information security measures such as internet firewalls, an intrusion detection system, encrypted data transmission, and operating procedures to protect Your personal data, accounts, passwords, etc. This information is kept completely separate and confidential, unless You have given someone-else Your user ID and password. As such, You should protect Your user ID and password and NOT share it with anyone. If You believe Your user ID and password have been compromised and You have trouble changing your user ID/password on the Website or within the application, please contact Our technical support department rajesh_saigal@coverwellindia.in

10. TRANSFER OF OWNERSHIP

If the entire or substantial ownership of the Website or the Service were to change, Your user information may be transferred to the new owner so the service can continue operations. In any such transfer of information, Your user information would remain subject to the promises of Our then current Privacy Policy.

11. YOUR ACCEPTANCE OF THIS PRIVACY POLICY

This is Our entire Privacy Policy and it supersedes any earlier version. You agree to it every time You use the Website and/or Software.

If We make any material changes to this Privacy Policy, We will notify You by email or by posting a prominent notice on the Website prior to the change becoming effective. We encourage You to periodically review this page for the latest information on Our privacy practices. Your continued use of the Website or Service constitutes Your agreement to be bound by such changes to this Policy. Your only remedy, if You do not accept the terms of this Policy, is to discontinue use of the Website and Service.

12. QUESTIONS ABOUT THIS PRIVACY POLICY

Should You have a privacy question about the Website and/or the Service, please email Our customer service department rajesh_saigal@coverwellindia.in