ULIPIndia.com (hereinafter referred to as the “Website”, “us”, “we” or “our”) has adopted this Privacy Policy to protect the privacy of its Website users. This Privacy Policy is only in effect for the Websites created by us. We deeply care about the personal information about our customers and website visitors. Our goal is to be as transparent and forthright as possible. This Privacy Policy describes how we collect, use and keep secure your Personally Identifiable Information in accordance with the Information Technology (Reasonable Security Practices And Procedure and Sensitive Personal Data or Information) Rules, 2011 and the Information Technology Act, 2008.

By using this Website, you agree to our use of your personal information (including sensitive personal information) in accordance with this Privacy Policy, which may be amended from time to time at our discretion.

Personal information subject to this Privacy Policy will be collected and retained by ULIPIndia, with a registered office at Kalasree, Puthussery Bhagamm Vayala Post, Adoor, Kerala, India.

Acceptance of this Privacy Policy

By accessing and using our Services, you signify your acceptance to the terms of this Privacy Policy. Where we require your consent to process your personal information, we will ask for your consent to the collection, use and disclosure of your personal information as described further below.

If you do not consent to such usage or you are not comfortable with any of this Privacy Policy, you should immediately discontinue access or use of our Services and Website. If you continue accessing our Website further, it shall be deemed that you have given us your consent.

What Data/Information do we collect?

• When you register or subscribe to our Service, as a User, we collect your personal information that can be identify you (“Personal Identifiable Information” or “PII”) including, but not limited to, your name, personal identification number, address, mobile number, email address.
• We also collect your PII when you participate in forum, survey, contact us, comment, creating profile or rating.
• Usage of your information is solely for the purpose of giving you the best services and experience on our Website.
• The Website does not collect any detailed personal data or information that are sensitive (“Sensitive Personal Information”) such as password, financial information, physical, physiological, and mental health conditions, or biometric information.
• You will be required to provide payment (eg. Credit card details) and billing information to make payment through various payment methods, this information will be processed encrypted and in a secure manner by third-party payment services. We do not store your payment information on our servers.
• We also collect details of transactions carried out through our Website, including without limitations, ID, date and time of transactions. 
• When you visit our Website from your mobile device, we get information about your geographical location, however, you can prevent the location data from being sent to us, by denying access to your location through your browser settings.
• When you visit our Website, our server automatically collects information from your browser such as IP address, proxy server, operating system, web browser and add-ons, device identifier and features, and/or ISP or your mobile carrier, or the domain from which you are visiting, web-pages you visit, the search terms you use, and any advertisements on which you click.
• We might receive information about you from other sources, such as updated delivery and address information from our carriers, which we use to monitor and correct our records and deliver your next purchase more easily.
• We also collect and analyse the full Uniform Resource Locator (URL) clickstream to, through, and from our Website, including date and time; products and content you viewed or searched for; page response times, download errors, length of visits to certain pages, and page interaction information (such as scrolling, clicks and mouse-overs);
• We also collect data and information through third-party products on your phone, called log data, when you use our Service in case of an error. 
• This log data may include information such as your device internet protocol (IP) address, device name, operating system version, the configuration of the Website when utilizing our Service, the time and date of your use of the Service and other statistics.
• With your consent, we have access to your SMS, instant messages, contacts in your directory, location, camera, photo gallery, device information. We may also request you to provide your PAN, GST Number, Government issued ID cards/number, Know-Your-Customer (KYC) details to: check your eligibility for certain products and services including but not limited to credit and payment products b) issue GST invoice for the products and services purchased for your business requirements c) enhance your experience on the Website and provide you access to the products and services being offered by us, sellers, affiliates or lending partners. You understand that your access to these products or services may be affected in the event consent is not provided to us. 

How do we use the data or information collected by our Site?

Please note: We never sell your personal information. We only use it for the following purposes:

• The data collected is used for the purpose for which it has been provided, including without limitation, to enable us to provide products and services as you requests.
• To identify you so as to ease out the re-login process at a later time.
• To notify you about our Services.
• To gather feedback, to ask you to participate in research to improve your experience of our Services.
• To send you information about your relationship or transactions with us.
• To personalise the content that interests you and notify you about the same.
• To assist sellers and business partners in handling and fulfilling orders.
• To develop or update features, products and services according to the likes and needs of our customers.
• To allow other select companies to send you promotional information about their products and services.
• To enforce our terms and conditions.
• To enhance customer experience, resolve disputes, troubleshoot problems and provide customer support and respond to your request, inquiries and compliant.
• To deter and protect against fraudulent, unauthorized, and illegal activity.
• In order to find points of your interest on our Services, and for the purpose of analytics, we monitor and analyse web traffic and keep track of your behaviour within our Services. This enables us to provide services that are relevant to you and boost the quality of our Services.

Cookies

We use “Cookies” to collect additional Website usage data and improve the Website and our Services. To analyse trends, administer the Website, track visitor’s movement and measure the number of visitors on various sections of Website so that the Website becomes more meaningful to the visitors. 

What are Cookies?

A “Cookies” is a small piece of data or information – like a username and password – that are used to identify your device used to access the Website. For this policy (“Cookie Policy”), any other similar technologies such as web beacons, pixels and other similar technologies shall be covered under the term Cookies. Cookies help the website to remember information about your visits, such as your preferred language and other options, to facilitate your next visit and make the site/Website easier and more useful.

Clicking the ‘allow’ button we assume that you accept the use of cookies by this Website.

Cookies help the website owners to distinguish you from other visitors and serve you relevant content and advertisements. There are several forms of Cookies ranging from necessary to analytical, marketing, persistent, etc. which may be stored on your device to ensure an optimal, personalized, customized and enhanced experience on our Website.

How Cookies will be used?

• We use session cookies to track your visit and locations, which will expire once you no longer use our Website.
• We use persistent cookies to store your log-in details and language preference.
• We use first and third-party cookies that provide advertisements by tracking your activities. First party cookies enable us to understand how the user uses our Website and how we can improve their use. Third-party cookies to track users visit the Website and to track progress and participation in the promotion, to enable us to enhance your experience on our Website. Third party cookies also enable you to log in to our Website through your social media accounts and share the contents and pages you find interesting. You may choose to block these third-party cookies in your browser settings.
• We use Google Analytics, a web analytics service developed by Google, that allows the measurement and analysis of navigation on webpages. In your browser, you can see cookies from this service. We get information about the number of users accessing the Website, the number of pages viewed, the frequency and repetition of visits, their duration, the browser used, the operator providing the service, the language, the terminal that is used and the city at which your IP address is assigned. This enables us to give better and more appropriate services by us.
• We use web beacons (eg. “tracking pixel”, “tags”) which is a tiny graphics files that contain a unique identifier that enable us to track if someone has visited our Website or viewed our email that we had sent to them. This allows us to monitor the traffic patterns of users from one page within our Website to another, to deliver or communicate with cookies, to understand whether you have come to our Website from an online advertisement displayed on a third-party website, to improve Website performance and to measure the success of email marketing campaigns.

How to reject or delete your cookies?

• You can restrict or block our cookies by unchecking the pop-up, or by changing your browser settings to ‘block cookies’.
• You can also delete cookies from your browser settings by choosing ‘delete cookies’.
• As the web browser controls setting vary from browser-to-browser, you should visit your browser’s help menu for more information.
• If you choose to reject, block or disable the use of cookies, you will not be able to access some of our features on our Website, its browsing will become less efficient, you may also not benefit from some of our functions and services such as you will not be able to add items to your cart, proceed to check out, or use any products listed on the Website that require you to sign in.

Disclosure or Sharing of Data/Information (Third Party Data Collection)

• We share your data with third-party who provide services on our behalf including but not limited to, third party business partners, affiliates, marketing and advertisement platforms (such as Google, Twitter, Facebook and Instagram), payment service providers, credit risk assessment providers, customer service (for administrative purposes), cloud computing service providers (to provide cloud storage service), risk control service (to assess the security of users accounts and transaction risks), analysing data, providing marketing assistance, providing search results and links (including paid listings and links).
• All our third-party service provider is required to take appropriate security measures to protect your data.
• We do not allow any third-party to use your data for their own purposes.
• We permit them to process your data as per our instructions.
• By consenting to this Privacy Policy, you consent to share your data with third-party service providers.
• Third-party content may use cookies, web beacons, or other mechanisms to track your views on the third-party website.
• We implement third-party button including, but not limited to Facebook, Instagram, Twitter, etc share buttons, affiliate link buttons; which may function as a web beacon.
• We process your information on our mailing list or for the newsletter and send you messages with some commercial or promotional information about our Services. However, you have the option to opt-out from our marketing messages by contacting us at https://ulipindia.com/contact-us/
• To our professional advisers, law enforcement agencies, insurers, government and regulatory and other organizations where we believe it is necessary to comply with applicable laws or to exercise, establish or defend our legal rights or protect your vital interests or those of any other person, we may also disclose and transfer your personal information only for the purposes disclosed in this Privacy Policy.
• We release account and other personal information when we believe release is appropriate to comply with the law; enforce or apply our Terms and Conditions and other agreements; to protect the rights, property, or safety of the Company, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.
• To any other person with your consent to such disclosure. 
• This Website is not responsible for information collected by any third-party web-beacons and buttons. You may consult such third-party’s data collection, use and disclosure policies for more information.
• This Website is not responsible for the content, privacy and security practices, and policies of third-party sites or services linked to this Website.

User Discretion and Opt-out

• If you do not wish to share your data with us, you can contact us at https://ulipindia.com/contact-us/  requesting to stop sharing your data.
• In the event you wish to opt-out of our data collection process by requesting us to stop accessing your data, you will no longer be able to access our Website and Services.

Data Storage and Deletion

• Your personal data is stored with utmost security in accordance with the provision set out under the Information Technology (Reasonable Security Practices And Procedure and Sensitive Personal Data or Information) Rules, 2011 and Information Technology Act, 2000.
• We store your data only as long as necessary to provide you with our Services and other legitimate business purposes including but not limited to, maintaining performance of the services or in compliance with the legal proceedings and requirements.
• We may retain your data as long as your account is active, once you have deleted or completed your course, we will no longer store your information with us.
• We may retain some of your data even after the expiration of your term or deletion of your account, in the event including, but not limited to unresolved issues, law enforcement, fraud prevention, etc.
• You may request us, in writing to delete all your data from our Website at https://ulipindia.com/contact-us/  all your data will be deleted within 90 days of such request and will not be available with us anymore.

Children’s Privacy

• This Website is not intended to be used by children under the age of 18 years without express permission of their parent or legal guardian. 
• We may process the personal data of children under the age of 18, provided the data has been provided with the consent and under the supervision of the parents or legal guardians.
• We do not knowingly collect information from children and minors.

Security Measures

We employ commercially reasonable security methods to prevent unauthorized access to the Website, to maintain data accuracy and to ensure the correct use of the information we hold.

The registered user of the Website, the information of your account is protected through a password. We recommend that you do not divulge your password to anyone. Our personnel will never ask for your password through any unsolicited phone call or email.

We always try to protect your information that we hold, but we cannot guarantee the security of any information you transmit to us and you do so at your own risk, as no data transmission over the internet or any wireless network can be guaranteed to be perfectly secure.

Changes to Privacy Policy

We may update this Privacy Policy from time to time, therefore you are requested to check the update periodically for any changes. 

We will notify you of any changes by posting the new privacy policy on this page so that you are aware of what information we collect, how we use it, and under what circumstances, if any we use and/or disclose it.

Breach Notifications

If any of your personal data has been breached, we would inform you and the respective data protection agencies as to the accidents without any undue delay, if there are high risks of violation of your rights as data subject. We would do our best to minimize any such risks.

Grievances

We hope that this Privacy Policy has helped you understand how your personal data will be dealt with at ULIPIndia.com. We will take care of your personal data, so you can use our Services without being feared of any privacy issues.

If you wish to contact us for any grievance regarding our Privacy Policy, you can email your grievance to our grievance officer. The Grievance Officer is appointed in compliance with the applicable laws including but not limited to the Information Technology Act, 2000 and the Consumer Protection Act, 2019. 

The details of all our officers can be found below:

Grievance Officer: 

Email Address: Grievance@UlipIndia.com

Contact No.: +91 81294 30 444

Address: 7th Floor, Center A, Alapatt Heritage Building, Kochi, Kerala, India

Nodal Officer

Email Address: Grievance@UlipIndia.com

Contact No.: +91 81294 20 444

Address: 7th Floor, Center A, Alapatt Heritage Building, Kochi, Kerala, India

Compliance Officer

Email Address: Grievance@UlipIndia.com

Contact No.: +91 81294 20 444

Address: 7th Floor, Center A, Alapatt Heritage Building, Kochi, Kerala, India

We will seek to redress your grievance without any undue delay and in accordance with the requirement of the applicable law. To know more about our Grievance Redressal Mechanism, please visit our Terms and Conditions.

Last Updated on 10-March-2022