✔ "Us" or "We" or "Company" -means Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited.
✔ "You" or "Your" or "Users" means any person accessing the Website.
✔ "Personal information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such a person.
✔ Sensitive Personal Information - Sensitive personal data or information of a person means such personal information which consist of information relating to:
✔ Central Identity Data Repository (CIDR) means a centralized database maintained by the Government in one or more locations containing all Aadhaar numbers issued to Aadhaar number holders along with the corresponding demographic information and biometric information of such individuals and other information related thereto;
Any information that is freely available or accessible in public domain like in telephone directories etc. or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for the purpose of this policy.
To have reasonable security practices in place to safeguard the confidentiality, integrity and availability of sensitive personal & personal information of users available with the company thereby complying with applicable legal, regulatory and contractual obligations in place.
We and our authorized third parties may collect different types of Personal Information and/or Sensitive Personal Information, for the purposes of our insurance business and as permissible under applicable laws. Such information may include but is not limited to:
Personal Information: Your name, age, gender, date of birth, photographs, information relating to our Know Your Customer (KYC) obligations, nationality, educational qualification, occupation, employment details, Aadhar number and any other information which is capable of identifying You.
Contact Information: Your address, telephone numbers, email id etc.
Health Information: Your height, weight, blood group, alcohol & drug consumption, smoking, personal & family medical history, attending physician/treatment records etc.
Financial Information: Details related to your bank accounts, or other payment instrument details, annual income, investment/savings, income tax (PAN Card, Form 16 etc.).
Aadhar information: Details related to your Aadhar number including OTP and biometrics submitted for the purpose of buffered authentication only and general demographic related information shared by the Central Identity Data Repository (CIDR)
Other Information: Any information contained in documents used as proof of identity, address, age or income that may help to provide, improve and maintain our products and services which may ultimately be beneficial to You.
Other information may be collected in the form of various surveys which you agree to participate in or provide other feedback to Us regarding our products or services; when you register to receive news updates, when You submit enquiries through our website or when a candidate applies for a job through Our website.
We may obtain Your consent for sharing your Sensitive Personal Information in several ways, including but not limiting to the following such as in writing, online, through "click-through" agreements; orally, including 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.
Use of "cookies"
Your visit to Our website may be recorded for analytics and to improve the user experience. Some of this information will be gathered through the use of "cookies". Sensitive 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 retrieved by this site. 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 our web site, including by blocking certain addresses that we feel are inappropriately using our website. Cookies & IP addresses might be used to gather broad demographics information, such as browser types, visitor's country, visiting frequency, operating systems, etc.
The Personal Information and Sensitive personal Data or Information that we collect from You is held in accordance with applicable laws and regulations in India. The information collected may be used for a number of lawful purposes for providing services to you and connected with our business operations and functions, which include but are not limited to:
The Company and its authorized employees may utilize some or all available sensitive personal information for internal assessments, measures, operations and related activities. If We do ask you to provide sensitive personal information, We will always specify the purpose for which such sensitive personal information is collected and use it for the purpose specified at the time of collection. In case You do not provide this information or provide consent for usage of sensitive personal or personal information but later on withdraw Your consent by writing to the Company, then the Company reserves the right to withdraw/discontinue the services for which said information was sought.
The Company may obtain and use your Aadhaar Number and OTP/ biometrics for authentication with Unique Identification Authority of India (UIDAI) post your voluntary & explicit consent only. Before collecting your Aadhaar related information, Company shall explicitly inform you about the purpose & usage of Aadhar related information including information received from UIDAI including its storage and use. Retention of such information including its security shall be governed as per guidelines outlined later in this policy
The Company shall at all times have alternatives which you may avail in case you don't want to use Aadhar based EKYC process / don't want to submit your Aadhar information. Post your explicit & voluntary consent the Company may use your Aadhar number and OTP or your biometrics for the purpose of authenticating your identity with Central Identity Data Repository (CIDR). However at no time shall Company shall be storing the biometrics or OTP with it which shall only be used for buffered authentication purpose only.
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 information collected may also be shared with third party for business purposes, operations and functions, which include but are not limited to:
We may also share your sensitive personal information without seeking your prior written consent when such information is sought by or required by regulators, law enforcement & other such government agencies or in response to a legal query/ proceeding. 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.
We may transfer your sensitive personal information or other information collected, stored, processed by us to any other third party, entity or organization located in India or outside India in case it is necessary for providing services to you or if you have consented (at the time of collection of information) to the same. This may also include sharing of aggregated information with them in order for them to understand our environment and consequently, provide you with better services.
The Company strives at all times to ensure that your sensitive personal & personal information is protected against unauthorized or accidental access, processing or erasure by implementing appropriate technical, & administrative measures to safeguard and secure your personal data. These controls include but are not limited to the following:
We maintain the security of our internet connections & web pages by deploying reasonable technical controls including but not limiting to usage of SSL (Secure socket layer) certificates while accessing pages deemed as sensitive; however for reasons outside of our control, security risks may still arise. Any sensitive personal information transmitted to us by virtue of you availing any of our online products or services will therefore be at your own risk and Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited, their directors, officers, employees, shareholders or affiliates’ will not be responsible for the same. However we observe reasonable security measures to protect your personal information against security breaches and virus dissemination.
The Company shall retain sensitive personal & personal data collected in line with its record retention policy for business & operational reasons or as stipulated by relevant laws and regulations. The Company shall ensure that such sensitive personal & personal information are safeguarded across the entire data lifecycle & post its retention period such records are securely deleted.
We strive to keep our records updated with your latest information. To this end, if you see any discrepancy in your personal information or if a part of your personal information changes, we request you to reach our customer service at 1800-103-0003 or 1800-180-0003 (BSNL/MTNL) and communicate the change(s) for updating our records.
We are committed to safeguard your sensitive personal & personal information collected and handled by Us and look forward to your continued support for the same. In case of any feedback or concerns regarding protection of your sensitive personal information or personal information or its usage, You can contact us at 1800-103-0003 or 1800-180-0003 (BSNL/MTNL). Alternatively, You may also direct Your privacy-related feedback or concerns to the Grievance Redressal Officer whose details are as mentioned below:
Contact No.: +91 124 4535341
Working days: Monday to Friday
Working hours: 8:00 AM to 5:00 PM
We will strive to address your feedback and concerns in a timely and effective manner as mandated under applicable laws & regulations.