Privacy Policy & ISMS Policy

Privacy Policy

Introduction

Prudent Insurance Brokers Private Limited (PIBL), CIN No.U70100MH1982PTC027681 having its registered office at 101 Tower B, Peninsula Business Park, G.K. Marg, Lower Parel, Mumbai 400013. At PIBL, we value your trust and respect your privacy. This Privacy Policy provides you with details about the manner in which your data is collected, stored and used by us. You are advised to read this Privacy Policy carefully.You must be at least 18 years old and possess the legal authority to form legally binding contracts under applicable law to use this Site and the services provided on it. By visiting PIBL's website you expressly give us consent to use and disclose your personal information in accordance with this Privacy Policy. If you do not agree to the terms of the policy, please do not use or access PIBL website.

General

We will not sell, share or rent your personal information to any third party or use your email address/mobile number for unsolicited emails and/or SMS. Any emails and/or SMS sent by PIBL will only be in connection with the provision of agreed services and products and this Privacy Policy. Periodically, we may reveal general statistical and personally non identifiable information about PIBL and its users, such as number of visitors, number and type of goods and services purchased, etc. to IRDAI and our business associates/partners. We reserve the right to share your personal information with our business associates/partners in order to deliver the services as part of the policy that you purchase or intent to purchase. We may also be required to share your information with government authorities without prior intimation in case it is demanded by the authorities.

Personal Information

Personal information means any information that may be used to identify an individual, including, but not limited to, a first and last name, email address, telephone / mobile number, a home, postal or other physical address, birth date, gender, occupation, PAN number, Aadhar card a valid credit / debit card number, IP address etc. Personal information is used by PIBL to process services that are requested by you.

As you navigate through this site, certain anonymous information can be passively collected (that is, gathered without your actively providing the information) using various technologies, such as cookies, Internet tags or web beacons, and navigational data collection (log files, server logs, clickstream). Your internet browser automatically may also transmit some of this anonymous information, such as the URL of the web site you just came from and the Internet Protocol (IP) address and the browser version your computer is currently using; the date and time you accessed the site and the pages that you accessed while surfing the PIBL website. This information is used to improve the site, analyze trends and administer the site.

Cookies and Tracking Technology

A cookie is a small data file that certain Web sites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages you've visited, but the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites. Cookies save you time, for example, if you personalize a web page, or navigate within a Site; a cookie recalls your specific information on subsequent visits.

www.prudentbrokers.com also uses cookies to track user traffic patterns. We do this in order to determine the usefulness of our website information to our users and to see how effective our navigational structure is in helping users find the information on our site. Most web browsers automatically accept cookies; however you can modify your browser setting to decline cookies.

In addition to cookies, our site uses a variety of technical methods for tracking purposes, which may include web beacons. Web beacons are small pieces of data that are embedded in images on the pages of web sites. www.prudentbrokers.com also uses these technical methods to analyze the traffic patterns on our web site, such as the frequency with which our users visit various parts of our web site.

Links to Other Sites

The information contained in this website may have third party links which are for general information purposes only. In no event Prudent will be liable for any loss or damage, indirect or consequential without limitation, in any way whatsoever, for use of this website.

Use of Personal Information

We use personal information to provide you with services and products you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, collect money, measure consumer interest in our services, inform you about offers, products, services, updates, customize your experience, detect and protect us against error, fraud and other criminal activity, enforce our terms and conditions, etc. We may also use your contact information to send you offers based on your previous orders and interests. We may occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, gender, etc.). We use this data to customize your experience at PIBL, providing you with content that we think you might be interested in and to display content according to your preferences.

In addition, we may share non-identifiable aggregate information about our users (for example, the percentage of male and female visitors to our site) with advertisers, business partners, and other third parties in an effort to customize or enhance the content and advertising on our website for our users.

Information Sharing

PIBL reserves the right to send promotional offer and insurance related information to the users have subscribed using their email. Portfolio managers and financial advisors may look at your data, if you have requested such advice and explicitly provided permission for individuals to observe your personal and financial data, which is otherwise kept private and protected from human interaction as per the rest of this Privacy Policy. Further should we sell, merge, or transfer any part of our business, part of the sale may include your personal information. Any such event shall be notified to you in advance so that you have the opportunity to ask not to receive promotional information following any change of control.

Data Security

PIBL has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

We work to protect your personal information from loss, misuse or unauthorized alteration by using the latest industry-recognized security standards. When you transmit sensitive information to us, such as personal detail, it is protected by: 1. Secure Internet connection using secure socket layer (SSL) technology. 2. Encryption during transmission using 128-bit encryption to make your information unreadable as it passes over the Internet.

Your personal information is protected for your privacy and security. PIBL safeguards the security and confidentiality of the data you send with physical, technical, and managerial procedures. Please be aware that, despite our best efforts, no security measures are perfect or impenetrable. While we strive to protect your personal information, we cannot ensure the security of the information you transmit, and so we urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure and latest browser. Wherever possible use a latest anti-malware solution on the device you use to access internet and our website.

Our website may contain links to websites operated by other companies. Some of these third-party sites may be co-branded with a PIBL logo, even though they are not operated or maintained by PIBL. Although we choose our business associates/partners carefully, PIBL is not responsible for the privacy practices of web sites operated by third parties that are linked to our site. Once you leave our website following any link, you should check the applicable privacy policy of the third party website to determine how they will handle any information they collect from you.

Disclaimer as to Loss

Although, we take appropriate steps to maintain the security of Personal Information we collect from you. But you must understand that the 100% security is not guaranteed due to nature of the Internet. During any event of breach or misuse of your personal information at our end, we will notify you based on PIBL becoming aware of such issue. PIBL shall follow the laws of the land while determining the legal liabilities due to privacy and/or security breach of your Personal Information.

Changes to this Privacy Policy

Our privacy policy may change at any time without prior notification. To make sure that you are aware of any changes, kindly review the policy periodically. This Privacy Policy shall apply uniformly to PIBL website.

Consent

By using PIBL and/or by providing your information, you consent to the collection and use of the information you disclose on PIBL in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.

Contact Information

If you have any questions or suggestions regarding our privacy policy, please contact us at:

Email: feedback@prudentbrokers.com

Effective Date: This Privacy Policy was updated 28 April, 2017 and is effective as of that date.

Disclaimer: All content provided on this Web site is based upon information which we believe to be reliable and should be understood to be general insurance information only. It is not intended to be taken as advice with respect to any individual situation and cannot be relied upon as such.

ISMS Policy

Policy

  • Information security is a business responsibility shared by all employees and third parties of PIBL. A management framework shall be established to initiate and control the implementation of information security within the organization.
  • An Information Security Organization Structure shall be established comprising of all the identified business Groups and senior management personnel of the Organization.
  • Roles and Responsibilities shall be clearly defined and communicated to the identified functionaries of the Information Security Organization.
  • The management shall ensure that the ISMS (Information Security Management System) policies and procedures are reviewed at planned intervals or if significant changes occur to ensure that policies are suitable to current business environment and are effective and ensure adequacy in the establishment, maintenance and sustenance of Information Security in the organization.
  • The management shall ensure that requisite support be provided in terms of manpower and resources for the implementation, execution, monitoring and review of ISMS in the Organization.
  • The Information Security Organization shall ensure that in pursuant with the requirements of Information Security confidentiality agreements with relevant clauses protecting the interests of the Organization shall be developed.
  • Contact with special interest Groups (where possible) like ISACA, CERT-IN, NASSCOM, SANS, NIST, Cyber-Cell shall be maintained/established to get updates on industry best practices in process optimization and on mitigation modalities for new threats and vulnerabilities identified and reported by these agencies.
  • The policies and procedures so developed as a part of the ISMS along with the controls selected for mitigation of identified risks shall be reviewed independently by the Internal Audit Security team of the Organization or through an identified third party with a predefined periodicity or when there is any change to the business environment on account of regulatory changes or otherwise.
  • Commissioning of new information processing facilities shall be done only after the approval from the identified members of the Information Security Organization.
  • The review of ISMS shall be as per the standard agenda as mentioned in the Framework Document.
  • At least one review shall be conducted where 75% of apex committee members should be required. There shall not be any absenteeism during the annual review of the ISMS.

Changes to this ISMS Policy

Our ISMS policy may change at any time without prior notification. To make sure that you are aware of any changes, kindly review the policy periodically. This ISMS Policy shall apply uniformly to PIBL organization.

Consent

If you have any questions or suggestions regarding our policy or any interested party who wish to see any of our policy may write to us at: infosec@prudentbrokers.com

Effective Date: This Information Security Organization Policy and procedure was updated 06 Feburary, 2017 and is effective as of that date.