Introduction
Zoom Insurance Brokers Pvt. Ltd. ("Zoom", "we", "us" or "our") respects your privacy and is committed to protecting your personal information in accordance with the Information Technology Act, 2000 (IT Act) and its amendments, including the reasonable security practices and procedures and sensitive personal data or information rules, 2011 (SPDI Rules). This privacy policy describes how we collect, use, and disclose your information when you use our mobile application and web portal, ZoomConnect ("the Platform").
Information We Collect
We collect information from you in several ways when you use the Platform, including:
- Personal Information: This may include your name, email address, phone number, date of birth, gender (optional), employment information (if applicable), and other information you provide when you create an account, access certain features, or submit requests through the Platform (e.g., adding dependents, filing claims, downloading e-cards). We will clearly identify any mandatory fields and obtain your consent for collection of sensitive personal data like health information.
- Policy Information: We receive details related to your insurance policy, including policy number, coverage details, and exclusions, directly from your corporate employer (the policyholder) or their chosen insurance company, with your consent.
- Usage Data: We collect information about how you interact with the Platform, such as the features you use, the pages you visit, the searches you perform, your device information, and how you navigate through the Platform.
- Health Information (SPDI): In some cases, limited health information may be required to process claims or access certain wellness features. We will only collect this information with your explicit consent and in strict compliance with the SPDI Rules. We will implement robust security measures to protect the confidentiality and integrity of your health information.
How we collect your Information on ZoomConnect
ZoomConnect offers a variety of features to simplify your insurance experience. To provide these services, we collect your information through several methods:
- From Our Clients: When Zoom acts as a broker for your corporate employer, your personal information is typically provided to us by your employer (or their advisors or service providers) during the insurance setup process. In some cases, your employer may ask us to contact you directly for specific needs.
- Third-Party Sources: To ensure accurate information and facilitate services like claims processing, we may collect additional information from third parties with your employer's consent. This might include insurance companies, other brokers, credit bureaus, motor vehicle authorities, financial institutions, healthcare providers, and publicly available sources
- ZoomConnect Events & Webinars: When you participate in ZoomConnect-hosted events or webinars, you may directly provide your information during registration. Alternatively, your employer or colleagues might register you on your behalf.
- ZoomConnect Platform: We collect information when you interact with the ZoomConnect platform in various ways, such as filling out forms, making transactions, subscribing to newsletters, or contacting us with questions or complaints.
How We Use Your Information
We use the information we collect for various purposes, including:
- To provide and improve the Platform: We use your information to operate, maintain, and improve the Platform, including processing your claims, managing your dependents, enabling access to e-cards, facilitating communication with your insurance company and healthcare providers, and providing customer support.
- To personalize your experience: We may use your information to personalize your experience with the Platform, such as providing targeted information about your policy coverage, recommending relevant wellness programs based on your health profile (if applicable, and with your consent), and offering features tailored to your specific needs.
- To communicate with you: We may use your information to communicate with you about the Platform, such as sending you important updates, policy renewal reminders, promotional offers (subject to your separate consent), or customer service messages. We will obtain your separate consent before using your information for marketing purposes.
- To comply with the law: We may use your information to comply with applicable laws and regulations, such as responding to court orders or subpoenas.
Sharing Your Information
We may share your information with third-party service providers who help us operate and improve the Platform. These service providers are obligated by contract to maintain the confidentiality and security of your information and are only permitted to use it for the purposes we disclose to them. We will ensure that these service providers comply with the provisions of the IT Act and the SPDI Rules.
We may also share your information with the following parties, but only with your consent or as necessary to facilitate your healthcare needs or claims processing:
- Your corporate employer (the policyholder)
- Your chosen insurance company
- Network hospitals or healthcare providers involved in your care
- Third-party administrators (TPAs) handling your claims
We will not share your information with any other third-party for marketing purposes without your explicit consent.
Data Security
We take reasonable steps to protect your information from unauthorized access, disclosure, alteration, or destruction, in accordance with the SPDI Rules. This includes implementing industry-standard security measures and maintaining appropriate physical, electronic, and procedural safeguards. However, no internet or electronic storage system is 100% secure.
Log Files
ZoomConnect, like many websites, utilizes log files to analyze trends, administer the platform, and understand user behavior. This information may include:
- Internet Protocol (IP) addresses
- Browser type
- Internet Service Provider (ISP)
- Referring/exit pages
- Platform type(desktop, mobile, etc.)
- Date/time stamp
- Number of clicks
Email Opt-Out:
We respect your right to control your information. If you no longer wish to receive marketing emails from ZoomConnect, you can easily unsubscribe through a link provided in every email communication.
Cookies:
ZoomConnect utilizes cookies, small data files stored on your device, to enhance your user experience. These cookies can be categorized as:
- Session ID Cookies: These temporary cookies are erased when you close your browser or log out. They help us track your preferences during a single session and improve website performance.
- Persistent Cookies: These cookies remain on your device for a longer period (as defined by the cookie itself). They may be used to remember your login information, personalize your experience, or provide targeted advertising (with your consent).
Links to Other Websites
ZoomConnect may contain links to other websites or affiliated portals. These external sites have separate privacy practices, and we encourage you to review them when you visit those sites. We are not responsible for the content or data collection practices of any linked websites.
Acceptance of the Privacy Policy:
By using ZoomConnect (mobile app or web version), you acknowledge and agree to the terms of this Privacy Policy. If you do not agree with these terms, please refrain from using ZoomConnect. Your continued use of ZoomConnect following any updates to this Privacy Policy constitutes your acceptance of the changes.
Changes to Our Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Any significant changes in how we use, store, or share your personal information will be communicated by posting an update on this webpage. We encourage you to review this Privacy Policy regularly to stay informed.
