01.Introduction
M/s. Apex Insurance Broking Services (“we” or “us” or “our”) respects the privacy of our users (“user” or “you”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, mobile application, or digital portal platforms (the “Application”). Please read this Privacy Policy carefully. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT ACCESS THE APPLICATION.
We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the “Last updated” date of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by your continued use of the Application after the date such revised Privacy Policy is posted.
This Privacy Policy does not apply to third-party online/mobile stores from which you install applications or make payments, which may also collect and use data about you. We are not responsible for any data collected by any such third party.
02.Collection of Your Information
We may collect information about you directly or from your employer to extend our services for health insurance, general insurance, and corporate risk advisory. The information we may collect includes your details along with dependent family members you have enrolled with your employer for insurance coverage.
Personal Data
Demographic and other personally identifiable information (such as your name, email address, mobile number, postal address, and family member details) that you voluntarily give to us or your employer when choosing to participate in group or individual insurance policies. If you choose to share data via online chat or contact forms, please note this data is processed securely strictly for policy facilitation.
Geo-Location & Device Information
We may request access to location-based information to assist with finding nearby empaneled network hospitals or local service offices. Mobile device data may include device model, operating system version, and system logs to diagnose portal performance.
Third-Party Data
Information from authorized third parties, such as insurance underwriting companies, Third Party Administrators (TPAs), and survey agencies, necessary to validate and settle insurance claims.
03.Use of Your Information
Having accurate information about you permits us to provide you with a smooth, efficient, and customized risk broking experience. Specifically, we may use collected information to:
- Facilitate insurance policy quotations, issuance, and renewal reminders.
- Assist in the registration, processing, and settlement of insurance claims.
- Create and manage your corporate portal and mobile application access credentials.
- Respond to client service requests, risk audits, and inquiries.
- Update you on claim status, surveyor appointments, and TPA approvals.
- Comply with statutory reporting requirements established by the Insurance Regulatory and Development Authority of India (IRDAI).
- Resolve disputes and troubleshoot administrative or operational issues.
04.Disclosure of Your Information
We do not sell, rent, or trade your personal information. We may disclose your data only in the following legitimate circumstances:
To Insurance Underwriters and TPAs
We share necessary policyholder and claimant information with IRDAI-registered insurance companies and licensed Third Party Administrators strictly to execute coverage, calculate premiums, and adjudicate claims.
By Law or to Protect Rights
If we believe the release of information is necessary to comply with legal process, regulatory orders from IRDAI, law enforcement investigations, or to protect the safety and property of our policyholders and organization.
Third-Party Technical Service Providers
We may share data with trusted infrastructure providers that perform hosting, secure data transmission, and communication services on our behalf under strict confidentiality agreements.
05.Data Security and Contact
We implement industry-standard physical, electronic, and procedural safeguards to protect your personal and financial information. While we take every reasonable measure to protect your data, please be aware that no security system is entirely impenetrable.
For any questions, clarifications, or privacy-related requests, please contact our Compliance Officer at:
Apex Insurance Broking Services Pvt. Ltd.
Flat No. 102, 1st Floor, Sagacity Heights, Plot No. 27, Phase-I, Kavuri Hills, Madhapur, Hyderabad – 500081