PRIVACY POLICY

WMG Risk Advisory and Insurance Broking Services Private Limited, a private limited company with its registered office at 21/19, Craig Park Layout, M G Road, Bengaluru – 560001, Karnataka (hereinafter referred to as “WMG”, “We”, “Us” or “Our”, which expression shall include its successors and permitted assigns), is committed to protecting the privacy and security of the personal data of our customers and Website users (“User”, or “you”, or “your”).
This Privacy Policy governs your use of the website https://wmginsurance.com/ (“Website”) owned, managed and operated by WMG. Please read this Privacy Policy (“Policy” or “Privacy Policy”) carefully before using the Website, along with the Terms and Conditions (collectively “Terms and Conditions”) provided on the Website.
This Privacy Policy specifies the manner of collection, use, disclosure, processing, transfer, and storage of the information such as your name, passwords, mailing address, age, birthdate, internet protocol address, phone number, email address, IP address, contact preferences, financial information, and any other interaction details on our Website (“Information”).

ACKNOWLEDGMENT

You acknowledge and warrant that you have read and understood this Privacy Policy. By accessing the Website or furnishing any personal or sensitive personal data or information to WMG, you unequivocally consent to its collection, retention, processing, storage, use, and disclosure by WMG in accordance with this Policy. WMG may disclose such information to insurers, payment gateway service providers, affiliates, and service providers as necessary to render the services in accordance with applicable laws. If you do not agree with this Policy, please do not access the Website or proceed further. You may withdraw your consent at any time by writing to insure@wmggroup.in. Withdrawal shall not affect the lawfulness of any processing of your personal data undertaken on the basis of such consent and may limit WMG’s ability to provide certain or all services in part or whole to you.
This Policy applies solely to information provided by you directly to WMG. It does not apply to third-party websites, links, or services, which are governed by their own privacy policies and terms. WMG is not responsible or liable for the content or privacy practices of any third party. WMG may retain your information for the period necessary to fulfil the stated purposes or as required by law.

You further represent and warrant that you have full legal right and authority to share the information provided to WMG. You warrant that such information is true, accurate, and complete. You undertake that providing it shall not cause wrongful loss to any person or wrongful gain to you or any other person.

INFORMATION WE COLLECT

When you interact, sign up or connect with Us on Our Website, we may collect certain information from you including but not limited to (i) personal information such as name, gender, date of birth, nationality, marital status, phone number, email id, temporary and permanent address, occupation, parent’s name, spouse’s name; (ii) personal identifiers such as Adhaar (masked), Pan, Driving license including any copies of them; (iii) financial information pertaining to bank account, credit or debit card, investment details, income proof, tax information; (iv) health information such as medical history, health reports, lifestyle related data (v) nominee details; and/or (vi) records of correspondence when you contact customer support, including call recordings, chat transcripts, and emails;
All information collected from you has been done voluntarily, out of free will without any coercion or influence. WMG shall bear no responsibility or liability for the accuracy, correctness, or completeness of the information provided by you, nor for any negligence or error on your part in furnishing such information.

Automatic information collected

We may also collect certain non-personal information automatically when you use Our Website including, but not limited to the browser type, IP address, internet service provider, device type, model, operating system, date and time of access and other data regarding the way you navigate and interact with the Website.
WMG may contact you by email, mobile phone, text message, push notification, or any other mode of communication. Such communications may relate to the availability of our services, service updates, security alerts, other service-related matters, or promotional offers.

HOW WE USE YOUR INFORMATION

We may use your Information for (i) giving you access and help you efficiently use the Website and our services; (ii) provide necessary details with respect to the services and policies availed; (iii) may combine it with other information to improve our services and Website; (iv) to inform you about various insurance products and our services; (v) to share and administer initiatives and programmes, whether run by WMG or by third parties, that may suit your interests; (vi) to contact you; (vii) to present customised messages to you; (viii) for our internal analytical and research; (ix) to meet legal and regulatory requirements or comply with a request from any governmental or judiciary authorities; (x) to resolve any requests, disputes, grievances, complaints raised by you; (xi) to protect the rights, property or personal safety of our User’s or the general public; (xii) to detect or monitor any fraudulent or illegal activity; (xiv) to do surveys, analyse trends and User engagement; (xv) with other business entities in the event of a merger, acquisition, or restructuring of our business; and/or (xvi) for any other such purpose with your consent.

DISCLOSURE OF INFORMATION

We shall not use the User’s Information in any manner except as provided under this Privacy Policy. We may be required from time to time disclose the Information (i) to insurers whose products you compare, purchase, or manage through us, so that we can process your proposal and policy and give you the services you request; (ii) to third-parties who assist us to operate our business, host, secure and manage our Website and collaborate with us including for joint and co-branding services; (iii) to our affiliates, employees, consultants, and contractors who need access to provide or support the services; (iv) to insurers, third-party administrators, and surveyors, to help with the assessment and investigation of claims; (v) as required by law to comply to an order from government or any statutory body, legal obligation, or any other similar legal process; (vi) to investigate fraud, address security or technical issues or respond to a government request; (viii) with third party service providers in order to personalize the Website for a better user experience; (viii) professional advisors (auditors, legal advisors, accountants); (ix) affiliates requiring access for support; (x) in case of merger/acquisition and as well as any re-organization or restructuring, personal information, whether in whole or in part may be shared with the concerned entities; and/or (xi) for any other purpose for which you have given us your consent.
We are not responsible for the privacy practices of third-party sites. We shall neither be liable nor responsible for any actions or inactions of third-party or any breach of conditions, representations and warranties given by them. We shall also not be obligated to mediate or resolve any dispute or disagreement between you and such third-party payment service providers.

YOUR RIGHTS

In accordance with the Digital Personal Data Protection Act, 2023 (“DPDP Act”) and the rules made under it, you are entitled to the following rights in relation to your personal data:
i. Right to give or refuse consent
You can choose whether we may use your personal data. Your consent can be withdrawn by you at any time. The withdrawal of your consent shall not affect the lawfulness of any processing of your personal data undertaken on the basis of such consent.
ii. Right to know how your data is used
You may request a summary of the personal data we process, the processing activities carried out, and the identities of the entities with whom your data has been shared, along with a description of the data shared. However, this does not apply to disclosures made to authorities lawfully entitled to such data for the prevention, detection, or investigation of offences or cyber incidents.
iii. Right to correction, completion, and updating
You may request that we correct inaccurate or misleading personal data, complete any incomplete personal data, and update your details where they have changed, such as your address, mobile number, or email address. We will act on such requests upon receipt and, where necessary, may ask you to verify your identity or provide supporting documents.
iv. Right to erasure
You may request the erasure of your personal data. Upon receipt of such a request, we will erase your personal data unless its retention is necessary for the specified purpose for which it was collected or for compliance with applicable law, including the Insurance Act, 1938 and the regulations, circulars, and directions of the IRDAI.
v. Right to grievance redressal
If you have a concern about how we handle your data or your rights, please write to our Grievance Officer at insure@wmggroup.in.
vi. Right to nominate another person
You may nominate any other individual to exercise your rights under applicable data protection law in the event of your death or incapacity.

COOKIES

We send cookies to your computer, thereby uniquely identifying your browser. Cookies are used to track your preferences, help you login faster, and used to improve our offerings, such as providing more content in areas of greater interest to a majority of users and personalised experience. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent.

SECURITY PRECAUTIONS

We take the protection of your personal data seriously and have put in place reasonable technical, administrative, and physical safeguards to safeguard the confidentiality of your Information. We store, process, and transmit your information on secure servers. To protect it against loss, misuse, unauthorised access, disclosure, and destruction, we conduct regular security assessments and audits, enforce access controls, and maintain backup and disaster recovery procedures. Your personal information is collected, processed, and stored on servers located in India. Our systems operate in compliance with applicable data protection laws and regulatory requirements. However, we do not warrant that such physical and electronic safeguards prevent all potential security breaches and assumes no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond our control. By using our Website, you acknowledge the inherent risks involved in the transmission of data over the internet. You are advised to keep your login credentials confidential to prevent it from unauthorized misuse. Please ensure that you log out of your account when using public or shared devices. We are not responsible for any unauthorized access or misuse of your account resulting from your failure to protect your login details.

RETENTION OF INFORMATION

We retain your personal information only for as long as necessary to fulfil the purpose for which it was collected, or as required to comply with applicable legal, tax, or regulatory obligations. Once the purpose is fulfilled and no legal requirement mandates further retention, we will delete or anonymize the information.

UPDATION OF INFORMATION

You may access, amend, alter or require deletion of your Information partially or fully, if any by contacting us at insure@wmggroup.in or at the address 21/19, Craig Park Layout, M G Road, Bengaluru – 560001, Karnataka.

APPLICABLE LAWS

The terms of this Privacy Policy shall be governed and construed in accordance with the laws of India. Any dispute regarding or arising out of this Privacy Policy shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka.
Whenever possible, each section of this Privacy Policy shall be interpreted in a manner so as to be valid under applicable law. However, in the event any provision is held to be prohibited or invalid, such provision shall be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or other remaining provisions of this Privacy Policy.

YOUR CONSENT

By visiting, browsing, and interacting on Our Website, or by creating an account with Us to avail Our services, whether through any digital, storage or transmitting device, you signify your acceptance to be bound by the provisions of the Privacy Policy and consent to the, collection, storage, possession, dealing, handling, sharing, disclosure or transfer of your Information in accordance with the terms of the Privacy Policy.
We shall not use the User’s Information in any manner except as provided under this Privacy Policy. Please note that you may choose to withdraw your consent, in such case, we may no longer be able to provide you with the corresponding service for which such consent has been withdrawn.

CHANGES TO PRIVACY POLICY

We reserve the right to amend this Privacy Policy at any time. The Privacy Policy, as and when modified, shall be updated on the Website. We encourage you to review this Privacy Policy whenever you visit our Website to understand how your Information is used.

GRIEVANCE POLICY

In case, you have any questions, grievance or complaints about this Privacy Policy, or the Websites, you may contact our grievance officer at Mr. Kumar Chinnasamy, at insure@wmggroup.in or at 21/19, Craig Park Layout, M G Road, Bengaluru – 560001, Karnataka.