Smart Shield Insurances is committed to safeguarding the privacy and security of our customers’ personal data. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with the Digital Personal Data Protection Act, 2023 (DPDPA), IRDAI regulations, and applicable international standards.

This Privacy Policy applies to all personal data collected through our website, mobile applications, and other digital platforms operated by Smart Shield Insurances in India. It also applies to personal data collected through offline interactions, to the extent that such data is digitized and processed by us.

Personal Data: Any data about an individual who is identifiable by or in relation to such data.

Sensitive Personal Data: Includes financial information, health data, biometric data, and other categories as defined under applicable laws.

Data Principal: The individual to whom the personal data relates.

Data Fiduciary: Any person who alone or in conjunction with others determines the purpose and means of processing of personal data.

We collect personal data through various means, including:

Directly from You: When you fill out forms, request quotes, purchase insurance policies, or interact with our customer service.

Automatically: Through cookies and similar technologies when you use our Platforms.

Third Parties: From affiliates, partners, or publicly available sources, in accordance with applicable laws.

The types of personal data we may collect include:

Identification Information: Name, date of birth, gender, PAN, Aadhaar number, passport number.

Contact Information: Address, phone number, email address.

Financial Information: Bank account details, credit/debit card information, income details.

Health Information: Medical history, reports, prescriptions, and other health-related data.

Employment Information: Occupation, employer details, income proof.

Usage Data: IP address, browser type, operating system, pages visited, and other usage metrics.

We process personal data based on one or more of the following legal grounds:

Consent: Where you have provided explicit consent for specific purposes.

Contractual Necessity: To fulfill our obligations under an insurance contract.

Legal Obligation: To comply with applicable laws and regulations.

Legitimate Interests: For purposes such as fraud prevention, network security, and business analytics, provided such interests are not overridden by your rights and interests.

We use your personal data for the following purposes:

Policy Management: Processing applications, underwriting, issuing policies, and managing renewals.

Claims Processing: Assessing, validating, and settling insurance claims.

Customer Support: Responding to inquiries, complaints, and providing assistance.

Regulatory Compliance: Fulfilling obligations under IRDAI regulations, the DPDPA, and other applicable laws.

Marketing and Promotions: Sending information about products, services, offers, and events, subject to your consent.

Risk Assessment: Conducting risk profiling and analytics for underwriting and fraud detection.

We may share your personal data with:

Affiliates and Subsidiaries: For internal administrative purposes and to provide you with services.

Third–Party Service Providers: Including TPAs, IT service providers, payment gateways, and marketing agencies, under strict confidentiality agreements.

Regulatory Authorities: Such as IRDAI, UIDAI, tax authorities, and law enforcement agencies, as required by law.

Business Partners: With your consent, for co-branded services or joint marketing efforts.

Legal Obligations: In response to legal processes, court orders, or to establish or defend legal claims.

Personal data may be transferred to, and maintained on, servers located outside India. In such cases, we ensure that the data is protected with appropriate safeguards, and transfers are made in compliance with applicable laws, including the DPDPA and IRDAI regulations.

We retain personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria for determining retention periods include:

Contractual Obligations: Duration of your insurance policy and any claims arising therefrom.

Legal Requirements: Retention periods mandated by IRDAI, tax laws, and other regulations.

Business Needs: For internal analytics, auditing, and fraud prevention.

We implement appropriate technical and organizational measures to protect personal data against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption: Data is encrypted both in transit and at rest.

Access Controls: Role-based access to personal data, with regular audits.

Physical Security: Secure facilities with restricted access.

Incident Response: Established protocols for responding to data breaches and security incidents.

Under the DPDPA and other applicable laws, you have the following rights:

Right to Access: Obtain a copy of your personal data held by us.

Right to Correction: Request correction of inaccurate or incomplete data.

Right to Erasure: Request deletion of your personal data, subject to legal and contractual obligations.

Right to Data Portability: Receive your data in a structured, commonly used, and machine-readable format.

Right to Withdraw Consent: Withdraw your consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.

Right to Grievance Redressal: Lodge complaints with our Data Protection Officer or the Data Protection Board of India.

We do not knowingly collect personal data from individuals under the age of 18 without parental or guardian consent. If we become aware that we have collected personal data from a child without such consent, we will take steps to delete the information promptly.

Our Platforms use cookies and similar technologies to enhance user experience, analyze usage patterns, and deliver personalized content. You can manage your cookie preferences through your browser settings.

Our Platforms may contain links to third-party websites. We are not responsible for the privacy practices or content of such sites. We encourage you to read the privacy policies of any third-party sites you visit.

We may update this Privacy Policy from time to time to reflect changes in legal, regulatory, or operational requirements. We will notify you of any material changes through appropriate channels.

If you have any questions or concerns about this Privacy Policy or our data practices, 

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact:

Data Protection Officer

Smart Shield Insurances

ITPL Main Rd, Whitefield, Bengaluru, Karnataka 560066

Email: support@smartsheildinsurance.com

Phone: 91-7767011412