Information we collect
“You” or “Your” or “User(s)”- refers to the person accessing the Website in any capacity.
“We” or “us” – refers to Star Union Dai-ichi Life Insurance Company Limited.
“Website”- refers to www.SUDlife.in
“Services” - all services made available by the Company.
SUD Life collects personal data on certain areas of the Sites at the time of application or servicing of insurance policy. Like the personal data collected varies across the Site and may include information that you provide such as your name, mailing address, e-mail address, telephone number, fax number and other related personal information.
We may also automatically collect information about the devices you use to interact with our Sites. The information we automatically collect may include IP address, device identifier, web browser, and browsing information collected through cookies, web beacons, pixels, clear gifs, and other similar technologies (collectively “Cookies and Other Tracking Technologies”) on our Sites. We may also automatically collect information about how you use the Sites such as what you have searched for and viewed on the Sites. The information automatically collected will be associated with any personal data you have provided.
Use of information
The personal data we collect may be used basis the consent/intentions as indicated by you and we may keep any of your personal data on file and use it to contact you. Our Site does not collect personal data about your online activities over time and across third party websites or online services. Therefore, “do not track” signals transmitted from web browsers do not apply to our Sites, and we do not alter any of our data collection and use practices upon receipt of such a signal. In connection with mobile applications or use of website from a Mobile Device (Mobile Device - Handheld device running Operating System classified as mobile OS) we may use third party service providers to analyse non-personally identifiable user activity to fix errors, monitor usage and improve the performance of the website.
We permit access to Personally Identifiable Information to our employees, contractors and agents on need to access basis and who are subject to strict contractual confidentiality obligations for data processing purposes. Personal Data or Information or Sensitive Personal Data or Information provided to SUD Life shall be used by SUD Life for its business purposes or the purposes for which same is collected. SUD Life is not responsible for authenticity of such Personal Data or Information and or Sensitive Personal Data or Information. You shall have sole discretion as to whether or not you will share/provide the Personal Data or Information or sensitive Personal Data or Information. However, if it is not provided by you which is necessary to issue and service suitable insurance policies or have business relation, SUD Life is at liberty not to provide its services by not issuing suitable insurance policy(s) or other insurance services or deny services.
SUD Life or any authorized person on its behalf may transfer Sensitive Personal Data or Information or Personal Data or information, to any third party for carrying out the business tasks assigned to them by SUD Life, that ensures the same level of data protection that is adhered to by SUD Life as provided for under Information Technology Act read with all Rules and regulations thereunder, from time to time.
Data recipients and international data transfers
Our Website is hosted in India, Mumbai but the traffic to our website may be routed through content delivery network service provider (as applicable - Third Party Service providers) contracted by SUD Life. Our, such third-party service providers are hosted anywhere in the world. Where required by law, we have put in place legal mechanisms designed to ensure adequate data protection of your personal data that is processed by SUD Life and the third party providers have been contracted to provide same or higher level of protection for the information passing through their networks. By using any of our Sites and providing information on any of them, you voluntarily consent to such trans-border transfer and hosting of such information.
We may disclose information about you:
If we are required to do so by law or legal process;
To law enforcement authorities or other government officials/ authorities;
When we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity;
If disclosure is necessary to protect the vital interests of a person;
To protect our property, services and legal rights;
To support auditing, compliance, and corporate governance functions; or
To comply with any and all applicable laws;
Such disclosure is necessary for Business/operational purpose of SUD Life; or
Where the Data Subject is physically or legally incapable of giving consent, but the processing is necessary to protect a vital interest of the Data Subject.
Same is specifically directed by statutory authority having such powers or by judicial or quasi-judicial order/judgment or,
The same is called by any entity/person/Government Official under any of the applicable provisions of any statute/law or,
The Data Subject expressly consents or,
Where the Data Subject is physically or legally incapable of giving consent, but the processing is necessary to protect a vital interest of the Data Subject or,
For any other reason as mentioned above.
We take appropriate steps to protect the information you share with us. We have implemented strict policy guidelines to safeguard the privacy of your Personal Information from unauthorized access and improper use or disclosure.
We comply with the Rules, Regulations and Guidelines issued by IRDAI from time to time and adhere to Aadhaar and Information Technology Act towards safeguarding sensitive personal data or information security practices reasonably.
Data retention policy
SUD Life retains personal data, as necessary, for the duration of the relevant business relationship. We may also retain personal data for longer than the duration of the business relationship should we need to retain it to protect ourselves against legal claims, use it for analysis or historical record-keeping, or comply with our information management policies and schedules.
Compliance Measurement - Data Privacy Audit
SUD Life will review its data privacy processes, procedures and standards and security of Personal Data or Information and or Sensitive Personal Data or Information of a person or any other Data of whatsoever nature or Customer Data or Insurance Data, as per the Guidelines on Information and Cyber Security for Insurers.
Role of Grievance Officer
In case of any feedback or grievance, inputs, or feedback regarding protection or any other issues as to Personal Data or Information and or Sensitive Personal Data or Information of a person or any other Data or Information of whatsoever nature, the Grievance Redressal Officer may be contacted. On receipt of the request, the Grievance Redressal Officer shall take necessary steps, within a reasonable time, to ensure that proper steps, safeguards and suitable action, if warranted, is taken to redress the grievance/complaint. The contacts details for the SUD Life Grievance Redressal Officer is as mentioned on the Company’s website.