Privacy Policy

Your Personal Data or Information will be collected on a need-to-know basis to provide services as requested by you. We may collect Personal Data or Information as permissible under applicable laws, for the purposes of our insurance business including (but not limited to) Your:

• Name
• Age
• Address
• Mobile number
• Email id Public
• Gender
• Date of birth
• Photographs and facial information
• Height
• Weight
• Blood group
• Personal & family medical history 
• Physician/treatment records 
• Data relating to our Know Your Customer (KYC) obligations
• Nationality 
• Educational qualification 
• Occupation and employment details
• Personal Data or Information mentioned in documents presented for proof of identity and policy Issuance
• Financial Information like details related to Your bank accounts, or other payment instrument details, annual income, investment/savings, income tax, PAN Card, Form 16 etc.
• Internet Protocol ("IP") addresses 
• Aadhaar Information - In the capacity of acting as a requesting entity as per applicable laws & regulations, the Company may with Your explicit & voluntary consent collect Your Aadhaar Information for Authentication & EKYC purpose with Unique Identification Authority of India (UIDAI). Before collecting Your Aadhaar related Information, the Company shall explicitly inform you about the purpose & usage of Aadhaar related Information including Information received from UIDAI including its storage and use. You shall also be made aware of other options available in lieu of submitting Aadhaar to the Company in Your local language as well. 

The Company may supplement the Personal Data or Information that You provide with other Data or Information obtained from the Company’s dealings with You or which the Company receives from other organizations, such as, the Company’s third-party vendors.

We may collect Your Personal Data or Information via various ways including (but not limited to) surveys which You agree to participate in or while You provide other feedback to Us regarding our products or services; or when You register to receive news updates, or when You submit enquiries through our website or when a candidate applies for a job through our website.

We request You not to impersonate another person while providing Personal Data or Information for a specified purpose. Also, You shall not suppress any material Information while providing Personal Data or Information and shall only furnish that Data or Information which is verifiably authentic.

The Company will obtain Your consent where necessary prior to processing Your Personal Data or Information. The Company shall maintain audit trail of such consent provided by You.

We shall obtain Your consent for sharing Your Personal Data or Information in several ways, including but not limiting to the following such as in writing, online, through "click-through" agreements; orally through interactive voice response; or when Your consent is part of the policy proposal form or product terms and conditions pursuant to which We provide You Our products and services.

In case you want to opt out of our marketing campaigns you may do so by clicking on the unsubscribe option that appears at the bottom of such emails. The Company shall enable you with an option not to provide the data sought to be collected, provide or deny/withdraw/revoke consent (by writing at cru@canarahsbclife.in or contacting Us at 1800-103-0003 or 1800-891-0003) which was already granted at the time of collecting Personal Data or Information for further processing the same or to request restriction of disclosure of Personal Data or Information to third-party vendors. 

Please note, if you do not choose to provide the Company with the requested Personal Data or Information or withdraw Your consent to process Your Personal Data or Information by mentioned means in this Privacy Policy, the Company will be unable to offer you products or services and will discontinue the services for which said data or information was sought.

Use of "cookies"

Your visit to Our website may be recorded for analytics and to improve the User experience. Some of this data or information will be gathered through the use of "cookies". Data collected by cookies shall be cleared after closing the session. Cookies are small bits of Information that are automatically stored on a person's web browser in their computer that can be used to record how You navigate the Company’s website on each visit. Should You wish to disable these cookies You may do so by changing the settings on Your browser. However, some of the functions might not properly work if You choose to disable the cookies.

We take the help of cookies & Internet Protocol ("IP") addresses to diagnose any problems with our server and to administer & protect our website, including by blocking certain addresses that We feel are inappropriately using our website. Cookies & IP addresses might be used to gather demographics (such as Your age range, gender etc.), browser types used to access website, geography from which You are accessing website, visiting frequency, operating systems, etc. 

Personal Data or Information collected shall be used only for the purpose for which it has been collected.

The Personal Data or Information collected may be processed for a number of lawful purposes for providing services to You and for our business operations and functions, which include but are not limited to:

• Verifying Your identity. 
• Closing sale as well as use Information gathered towards taking a decision pertaining to Your insurance proposal form/ request as per relevant product terms & conditions. 
• Processing transaction and responding to Your insurance policy servicing requests or claims, providing assistance or for grievance redressal. 
• Logistic activities such as printing of Your policy documents, Courier of documents etc. 
• For personalizing Your experience. 
• Performing any market analysis, market research, business and operational analysis to help Us improve our services & product offerings. 
• Detecting, preventing or otherwise addressing fraud risk, or security & system related issues. 
• Sending periodic emails & SMSs with respect to our product and services. 
• Administering a contest, promotional campaign, survey. 
• Undertaking liveness check for the purposes of life certificate or any other policy related purpose 
• Assessing Your health vitals 
• to perform E-KYC and related services 

The Company shall share the purpose of collection of Personal Data or Information every time the Company seeks Your consent.

We might use social media for various customer engagement initiatives. We will seek Your discretion prior to posting Your Personal Data or Information on public social media handles. We might communicate with you using various modes (e.g. third-party apps) provided you have consented to receive such communication through that channel.

The Company may share Your Personal Data or Information with associated third-party vendors, for providing services to You or if sharing is required as per statutory or regulatory requirement. Such third-party vendors may process Personal Data or Information on the Company’s behalf as necessary, in connection with providing the Company’s products and services, fulfilling contractual arrangements and other legal or regulatory requirements. 

The Company requires that third-party vendors protect Your Personal Data or Information, only process it for the purposes it was shared for and not disclose it further.

The Company may share Your Personal Data or Information with: 

• Law enforcement or government authorities or regulators and auditors or in response to a legal query/ proceeding where they have followed due legal process to request the Company to disclose the Data. This might be in connection with prevention, detection, investigation of any fraudulent, unlawful and illegal activities including cyber security related incidents noted and towards protection of our rights or property.
• Third-party vendors for business purposes & operations, including but not limited to: 

1. Risk sharing or risk transfer arrangements with Reinsurance agencies / Companies (Both Indian and Foreign). 
2. Sharing with affiliates/ group companies for business assessment, planning and evaluation. 
3. To any other third-party entity or organization in order for them to understand our environment and, consequently, provide You with better services. 

The identity Information collected during Aadhaar Authentication process and any other Information generated during the same shall not be disclosed further, except with Your prior consent & to the extent permitted. The Company shall not share Your Authentication logs with any person other than yourself upon Your request or for grievance redressal and resolution of disputes or with the Authority / regulator for audit purposes. With respect to Aadhaar Information or EKYC Data the sharing of Data shall be governed as per applicable guidelines laid down by UIDAI.

Please note that the Company’s website and other digital platforms may contain links to third-party vendor websites and other digital platforms for Your convenience as the Company collaborates with multiple partners to obtain life certificate, provide health and wellness services etc. to You.

While the Company shall be responsible for the privacy practices and security of the Personal Data or Information that You share with the Company, the Company urges and recommends that You refer to the privacy policy of any other websites/ digital platforms that You might visit. 

We strive to have reasonable security practices in place to safeguard the confidentiality, integrity and availability of Personal Data or Information of Users available with the Company thereby complying with applicable legal, regulatory and contractual obligations in place.

The Company has implemented appropriate technical, & administrative measures/ safeguards to keep Your Personal Data or Information secure and also require any third-party vendors that handle or process Your Personal Data or Information for the Company to do the same. Access to Your Personal Data or Information is strictly on a need-to-know basis to prevent unauthorized processing, access, modification, or misuse. 

Any Personal Data or Information transmitted to Us by virtue of you availing any of our online products or services will be governed as per Company’s Privacy Policy. Canara HSBC Life Insurance Company Limited, their directors, officers, employees, shareholders or affiliates’ will not be responsible for any exploit resulting due to any vulnerability arising at Your end or those not associated directly with the Company.

The Company shall manage security breaches that impact Personal Data or Information as per the Company’s privacy breach management processes.

The Company shall retain Your Personal Data or Information collected in physical or electronic form only for the period necessary to fulfill lawful business & operational purposes as outlined in this Privacy Policy unless a longer retention period is required or is permitted by applicable laws and regulations. The Company shall ensure that such Personal Data or Information are safeguarded across the entire Data lifecycle & post its retention period, such records are securely disposed/deleted/erased. Backup of Personal Data or Information on removable storage media are kept in secure and safe environment. With respect to Aadhaar, logs of Authentication transactions shall be maintained by the Company for a period of two years & upon expiry of two years the same shall be archived for a period of five years and purged thereafter unless required to retain longer owing to an ongoing litigation.

We may transfer Your Personal Data or Information collected, stored, processed by Us to any other third party, entity or organization located in India or outside India in case same is necessary for providing services to You. The Company requires that such third parties ensure the same level of Data protection that is adhered to by the Company itself. 

In case You are visiting our website from outside India, Your visit will necessarily result in the transfer of Data or Information across international borders. In such scenarios, You consent that by sharing any Data or Information on the website, Your Personal Data or Information shall be governed by the terms of use as outlined in this privacy policy and be bounded by applicable laws and regulation of the country in which the Company operates.

In case of any feedback or general concerns or in order to retrieve Aadhaar Authentication logs, you can contact Us at 1800-103-0003 or 1800-891-0003 (BSNL/MTNL). Alternatively, in case of any grievances or concerns regarding processing of Your Personal Data or Information or to exercise Your privacy rights or to seek clarity about this Privacy Policy or the Company’s Data privacy practices, You may reach out to the Complaint redressal unit whose details are as mentioned below:

You may also reach out to the Company’s Grievance Redressal Officer at the below-mentioned e-mail id in case you are not happy with the resolution provided by the Complaint Redressal unit.

We will strive to address Your feedback and concerns in a timely and effective manner as mandated under applicable laws & regulations. 

We request You not to register any false or frivolous grievance or complaint with the organization’s grievance redressal officer or the Board. Also, You shall not approach the Board without exhausting the opportunity of redressing grievances with the organization as outlined above.

We ensure that in case You request to view Your own Personal Data or Information by writing to Us at cru@canarahsbclife.in, same shall be made available to You. In order to protect Your privacy, the Company shall take reasonable steps to verify Your identity before granting access to Your Personal Data or Information. We strive to keep our records updated with Your latest Information. If you see any discrepancy in Your Personal Data or Information or if a part of Your Personal Data or Information changes or You want to delete/erase details provided by You or You wish to nominate any other individual who shall exercise Your rights on behalf of You in the unlikely event of Your death or inability to exercise Your rights, We request you to reach our customer service at 1800-103-0003 or 1800-891- 0003 (BSNL/MTNL) or write to us at cru@canarahsbclife.in and communicate the requests for updating our records. 

You are responsible for providing the Company with accurate and complete Personal Data or Information. Please notify the Company of any changes to Your Personal Data or Information. You have the right to tell the Company if you:

• Do not want to be contacted by the Company in the future..
• Would like a copy of the Personal Data or Information which the Company holds about you 
• Would like to delete/erase Your Personal Data or Information from the Company’s records (including the Company’s applications and applications of third-party vendors used to provide services to you) 
• Would like to nominate any other individual, who shall, in the event of Your death or incapacity/inability, exercise Your privacy. 
• Wish to report any misuse of Your Personal Data or Information 
• Would like to correct or update Your Personal Data or Information

We reserve the right to change this policy at any time. We encourage the Users to visit the Company’s website for the latest version of the privacy policy and be aware of the latest terms & conditions. The Company shall not be liable in any way for any such lapses on part of the Users.