Privacy Policy

1. Introduction

Welcome to Secure365 (www.secure365.in), an insurance aggregator and comparison platform operated in India. Secure365 provides users with the ability to compare insurance plans across multiple categories—including health, motor, travel, and life insurance—offered by various insurance companies and intermediaries ("Insurance Partners").

This Privacy Policy ("Policy") explains how Secure365 ("we," "us," or "our") collects, uses, stores, discloses, and protects the personal information of users ("you" or "your") who access or use our website, services, features, or content (collectively, the "Platform"). By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by this Policy.

2. Information We Collect

We collect the following categories of information when you interact with our Platform:

2.1 Personal Information

Information that you voluntarily provide to us, including but not limited to:

• Full Name — to personalise your experience and generate referral tracking identifiers
• Mobile Number — to facilitate communication regarding your insurance inquiries
• Email Address — to send confirmations, policy comparisons, and relevant updates (with your consent)

2.2 Usage Data

Information collected automatically when you visit or interact with the Platform:

• Browser Type and Version — to ensure optimal rendering of the Platform
• IP Address — for security monitoring and approximate geographic identification
• Pages Visited and Time Spent — to analyse user behaviour and improve the Platform
• Referring URL — to understand how users discover the Platform
• Device Information — operating system, screen resolution, and device type

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, pixel tags, and similar tracking technologies to collect usage data, remember your preferences, and improve your experience. For detailed information on our use of cookies, please refer to Section 7: Cookies Policy.

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Processing Insurance Inquiries

To process and respond to your insurance comparison requests, provide relevant plan recommendations, and facilitate the referral process to our Insurance Partners.

3.2 Affiliate Referral and Tracking

When you click on an insurance plan to proceed to an Insurance Partner's website, we generate a unique referral tracking identifier (referred to as a "Sub ID" or tracking parameter) that is appended to the redirect URL. This Sub ID may incorporate anonymised elements derived from your submitted information (such as initials and partial contact details) to enable commission tracking and attribution. The Sub ID does not constitute or expose your full personal data.

3.3 Communications

To send you service-related notifications, promotional communications, newsletters, and updates about insurance products that may interest you. Promotional communications are sent only with your explicit consent, and you may opt out at any time by following the unsubscribe link in any communication or by contacting us at care@secure365.in.

3.4 Service Improvement

To analyse usage patterns, diagnose technical issues, conduct research and analytics, improve Platform functionality, and develop new features and services.

3.5 Legal and Regulatory Compliance

To comply with applicable laws, regulations, legal processes, or governmental requests, and to protect the rights, property, and safety of Secure365, our users, and the public.

4. Information Sharing & Disclosure

4.1 Insurance Partner Companies

When you choose to proceed with an insurance plan, you are redirected to the respective Insurance Partner's website. During this redirection, a Sub ID (tracking parameter) is appended to the URL to enable affiliate commission tracking. The Insurance Partner may independently collect your personal information on their own platform, subject to their own privacy policy.

4.2 Sub ID Tracking Parameter Disclosure

The Sub ID parameter transmitted to Insurance Partners is a unique alphanumeric identifier generated for referral attribution purposes. It may contain anonymised or partial information derived from the data you provided on our Platform. This identifier is used solely for the purpose of tracking referrals and calculating commissions, and does not constitute a transfer of your full personal data to third parties.

4.3 Service Providers

We may share information with trusted third-party service providers who assist us in operating the Platform, conducting our business, or providing services to you (such as hosting providers, analytics services, and email delivery platforms), subject to confidentiality obligations.

4.4 Legal Requirements

We may disclose your information if required to do so by law, regulation, legal process, or governmental request, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

5. Data Security

5.1 SSL/TLS Encryption

All data transmitted between your browser and our Platform is encrypted using Secure Socket Layer (SSL) / Transport Layer Security (TLS) protocols, ensuring that your information remains confidential during transit.

5.2 Secure Storage Practices

Personal data collected through the Platform is stored in secure, access-controlled environments. We employ industry-standard security measures, including encrypted databases, firewalls, and regular security audits, to protect against unauthorised access, alteration, disclosure, or destruction of your information.

5.3 Limited Access Controls

Access to personal information is restricted to authorised personnel only, on a need-to-know basis. All personnel with access to personal data are bound by confidentiality obligations.

5.4 Security Limitations

While we implement reasonable security measures in accordance with applicable Indian laws and industry standards, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security of your information.

6. Your Rights

In accordance with the Information Technology Act, 2000, the SPDI Rules, 2011, and the Digital Personal Data Protection Act, 2023 (as applicable), you have the following rights in respect of your personal data:

6.1 Right to Access

You have the right to request access to the personal information we hold about you. Upon verification of your identity, we will provide you with a copy of your data within a reasonable timeframe.

6.2 Right to Correction

You have the right to request correction or updating of any inaccurate or incomplete personal information we hold about you.

6.3 Right to Erasure

You have the right to request deletion of your personal information from our records, subject to any legal or contractual obligations that require us to retain certain data. Upon such a request, we will delete your data within a reasonable timeframe, except where retention is required by law.

6.4 Right to Opt-Out

You may opt out of receiving promotional communications from us at any time. To exercise this right, please use the unsubscribe link provided in our emails or contact us at care@secure365.in.

6.5 Right to Nominate

Under the Digital Personal Data Protection Act, 2023, you have the right to nominate an individual who may exercise your rights on your behalf in the event of your death or incapacity.

To exercise any of the above rights, please contact us at care@secure365.in with the subject line "Data Rights Request." We will respond to your request within thirty (30) days.

7. Cookies Policy

7.1 Types of Cookies Used

We use the following categories of cookies on the Platform:

• Essential Cookies: Necessary for the proper functioning of the Platform, including session management and security features. These cookies cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with the Platform by collecting anonymous usage data (e.g., Google Analytics). This helps us improve the Platform's performance and user experience.
• Functional Cookies: Remember your preferences and settings (such as selected insurance category or language preferences) to provide a more personalised experience.
• Advertising/Tracking Cookies: Used by our advertising partners to deliver relevant advertisements and measure the effectiveness of advertising campaigns. These may be placed by third-party ad networks.

7.2 How to Manage Cookies

You can manage or disable cookies through your browser settings. Most browsers allow you to block or delete cookies. However, please note that disabling certain cookies may affect the functionality and performance of the Platform. For instructions on managing cookies, please refer to your browser's help documentation.

8. Third-Party Links

The Platform contains links to websites and applications operated by third parties, including Insurance Partner companies. When you click on an insurance plan link, you are redirected to the respective insurance company's website. We are not responsible for the privacy practices, content, or security of any third-party websites.

We strongly recommend that you review the privacy policy and terms of service of any third-party website before providing your personal information. Secure365 does not endorse, guarantee, or assume liability for the products, services, or practices of any third-party websites linked from the Platform.

9. Children's Privacy

The Platform and its services are not intended for individuals under the age of 18 years. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected personal data from a child under 18, we will take prompt steps to delete such information from our records.

If you are a parent or guardian and believe that your child has provided personal information to us without your consent, please contact us at care@secure365.in, and we will take appropriate action.

10. Changes to This Policy

Secure365 reserves the right to update or modify this Privacy Policy at any time, with or without prior notice. Any changes will be effective immediately upon posting the revised Policy on the Platform with an updated "Last Updated" date.

We encourage you to review this Policy periodically to stay informed about how we protect your information. Your continued use of the Platform following the posting of changes constitutes your acceptance of such changes.

In the event of material changes to this Policy, we will make reasonable efforts to notify you via email (if you have provided your email address) or by displaying a prominent notice on the Platform.

11. Grievance Officer

In accordance with the Information Technology Act, 2000 and the rules made thereunder, the details of the Grievance Officer for the purpose of this Privacy Policy are as follows:

If you have any questions, concerns, or complaints regarding this Privacy Policy or our data handling practices, please contact our Grievance Officer at the details provided above. We are committed to resolving your concerns in a timely and satisfactory manner.

12. Regulatory Compliance

This Privacy Policy is drafted in compliance with the following Indian laws and regulations:

12.1 Information Technology Act, 2000

We comply with the provisions of the Information Technology Act, 2000 ("IT Act") with respect to the collection, storage, and processing of electronic data and personal information. We have implemented reasonable security practices as mandated under the IT Act.

12.2 IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011

We adhere to the SPDI Rules, 2011, which prescribe reasonable security practices and procedures for the protection of sensitive personal data or information. Our data collection and processing practices are in accordance with the requirements set forth in these Rules, including obtaining consent, providing a privacy policy, and implementing security measures.

12.3 IRDAI Guidelines

Secure365 operates in compliance with the guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) applicable to insurance aggregators, web aggregators, and digital platforms facilitating insurance comparisons. We ensure that our presentation of insurance products and our referral practices are in accordance with IRDAI regulations.

12.4 Digital Personal Data Protection Act, 2023

We are committed to compliance with the Digital Personal Data Protection Act, 2023 ("DPDP Act") as and when its provisions come into effect. In accordance with the DPDP Act, we process personal data only for lawful purposes and with the consent of the Data Principal (user). We recognise and facilitate the rights of Data Principals, including the right to access, correction, erasure, and nomination, as provided under the DPDP Act.