PrivacyPolicy

PRIVACY POLICY

This Privacy Policy explains how BYR Insurance Brokers Private Limited (“BYR”) collect, use, share and protect information about the user.

The Privacy Policy covers “online” activities/ Services owned, operated, provided, or made available by BYR. This Privacy Policy also applies to the use of interactive features or downloads that: (i) BYR owns or controls; (ii) are available through the Services; or (iii) interact with the Services and post or incorporate this Privacy Policy.

BY USING THE SERVICES OR BY OTHERWISE GIVING THE INFORMATION TO BYR, YOU AGREE TO THE TERMS OF THIS PRIVACY POLICY.

Please review the following carefully so that you understand the privacy practices followed by BYR. If you do not agree to this Privacy Policy, do not use any of the Services or give any of your information. In addition, please review the Terms and Conditions, which may apply to your use of the website/ application at the online resource “Policyfy.com” (the “Application”). This Privacy Policy is incorporated by reference into the applicable Terms and Conditions.

INFORMATION PROVIDED TO/ COLLECTED BY BYR

The Services are primarily provided through an online application on your computer, mobile, tablet computer or similar device. You agree that BYR may collect and use technical data and related information, including but not limited to, technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to the Application.
When you use the Application, it may automatically collect and store some or all of the following information from your device (“Device Information”), including without limitation:

  • Your preferred language and country site (if applicable)
  • Your phone number or other unique device identifier assigned to your mobile device – such as the International Equipment Identity or the Mobile Equipment ID number
  • The IP address of your device
  • The manufacturer and model of your device
  • Your operating system of your device
  • The type of Internet browsers you are using
  • Your geolocation
  • Information about how you interact with the Application and any of our web sites to which the Application links, such as how many times you use a specific part of the mobile application over a given time period, the amount of time you spend using the Application, how often you use the Application, actions you take in the Application and how you engage with the Application
  • Information to allow us to personalize the services and content available through the Application

BYR may use information automatically collected by the Application (including the Mobile Device Information) in the following ways:

  • To operate and improve its Application, other Services, Developer’s services, and tools;
  • To create aggregated and anonymized information to determine which Application features are most popular and useful to users, and for other statistical analyses;
  • To prevent, discover and investigate violations of this Privacy Policy or any applicable terms of service or terms of use for the Application, and to investigate fraud, chargeback or other matters;
  • To customize the content or services on the Application for you, or the communications sent to you through the Application.

With respect to geo-location data we track through your Device, BYR uses that geo-location information for various purposes. – including, to send you promotions and offers, and to allow you (if you choose through any features we may provide) to share this information with other people. Except as otherwise permitted in this Privacy Policy, BYR will not share this information with third parties for any purpose and will only use this information for the sole purpose of providing you with the ability to use the services of BYR through the Application. You may at any time no longer allow the Application to use your location by turning this feature off at the Device level.

BYR may associate your unique Device Identifier or Application usage information with any Personal Information you provide, but we will treat the combined information as Personal Information.

Personal Information may also be collected and shared with third-parties if there is content from the Application that you specifically and knowingly upload to, share with or transmit to an email recipient, online community, website, or to the public, e.g. uploaded photos, posted reviews or comments, or information about you through features which may be provided on our Services. This uploaded, shared or transmitted content will also be subject to the privacy policy of the email, online community website, social media or other platform to which you upload, share or transmit the content.

INFORMATION PROVIDED BY THIRD PARTIES

BYR may, from time to time, supplement the information collected by it through the Application with outside records from third parties in order to enhance its ability to serve you, to customize its content to you and to offer you opportunities to purchase products or services that may be of interest to you. BYR may combine the information received from third party sources with information collected through the Application. In those cases, BYR will apply this Privacy Policy to any Personal Information received, unless we have disclosed otherwise.

USE OF INFORMATION COLLECTED

Our primary goal in collecting your Personal information or Usage Information is to provide you with an enhanced experience when using the Services.

Based upon the Personal Information you provide us when registering for an account, we will verify your username and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by various modes.

We use your information to closely monitor which features of the Services are used most, to allow you to view any promotions we may currently be running, and to determine which features we need to focus on improving, including usage patterns and geographic locations to determine where we should offer or focus services, features and/or resources.

We use the information collected from the Application so that we are able to serve you for troubleshooting and in some cases, marketing purposes.

We use your Internet Protocol (IP) address to help diagnose problems with our computer server, and to administer our web site(s). Your IP address is used to help identify you, but contains no personal information about you.

We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our Services are temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

In addition, we may use your Personal Information or Usage Information that we collect about you: (1) to provide you with information or services or process transactions that you have requested or agreed to receive including to send you electronic newsletters, or to provide you with special offers or promotional materials on behalf of us or third parties; (2) to process your registration with the Services, including verifying your information is active and valid; (3) to improve the Services or our services, to customize your experience with the Services, or to serve you specific content that is most relevant to you; (4) to enable you to participate in a variety of the Services’ features such as online or mobile entry sweepstakes, contests or other promotions; (5) to contact you with regard to your use of the Services and, in our discretion, changes to the Services and/or the Services’ policies; (6) for internal business purposes; (7) for inclusion in our data analytics; and (8) for purposes disclosed at the time you provide your information or as otherwise set forth in this Privacy Policy.

Please note that information submitted to the Services via a “contact us” or other similar function may not receive a response.

DISCLOSER OF INFORMATION TO THIRD PARTIES

We may share non-personally identifiable information, such as aggregated user statistics and log data, with third parties for industry analysis, demographic profiling, to deliver targeted advertising about other products or services, or for other business purposes. We do not sell, share, rent or trade the information we have collected about you, including Personal Information, other than as disclosed within this Privacy Policy or at the time you provide your information. We do not share your Personal Information with third parties for those third parties’ direct marketing purposes unless you consent to such sharing at the time you provide your Personal Information.

BYR shall be entitled to disclose to all of its group companies or any of its authorized Insurance partners or any government body as so required by the law or by directive or request from such government body or any third party, your particulars in the possession of BYR in any way as BYR, in its absolute discretion, deems fit or if it considers it in its interests to do so.

INFORMATION RECEIVED FROM THIRD PARTIES.

You may be presented with an opportunity to receive information and/or marketing offers directly from third parties. If you do agree to have your Personal Information shared, your Personal Information will be disclosed to such third parties and all information you disclose will be subject to the privacy policy and practices of such third parties. BYR is not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to agreeing to receive such information from them. If you later decide that you no longer want to receive communication from a third party, you will need to contact that third party directly.

SHARING OF INFORMATION WITH THIRD PARTIES SERVICE PROVIDERS.

BYR uses third party companies and individuals to facilitate its Services, provide or perform certain aspects of the Services on its behalf – such as information about insurance plans, offers and companies they work for to provide the Services, and other third-parties to host the Services, design and/or operate the Services’ features, track the Services’ analytics, process payments, engage in anti-fraud and security measures, provide customer support, provide geo-location information, to enable us to send you special offers, perform technical services (e.g., without limitation, maintenance services, database management, web analytics and improvement of the Services‘ features), or perform other administrative services. We may provide these vendors with access to user information, including Personal Information, this information sharing is limited to only the information needed by the vendor to carry out the services they are performing for you or for us. Each of these vendors is obligated not to disclose or use Personal Information for any other purpose.

DISCLOSURE OF INFORMATION FOR ADMINISTRATIVE AND LEGAL REASONS.

BYR cooperates with government and law enforcement officials and private parties to enforce and comply with the law. Thus, BYR may access, use, preserve, transfer and disclose your information (including Personal Information), including disclosure to third parties such as government or law enforcement officials or private parties as it reasonably determine is necessary and appropriate: (i) to satisfy any applicable law, regulation, subpoenas, governmental requests or legal process; (ii) to protect and/or defend the Terms and Conditions for online and mobile Services or other policies applicable to any online and mobile Services, including investigation of potential violations thereof; (iii) to protect the safety, rights, property or security of the Company, our Services or any third party; (iv) to protect the safety of the public for any reason; (v) to detect, prevent or otherwise address fraud, security or technical issues; an /or (vi) to prevent or stop activity we may consider to be, or to pose a risk of being, an illegal, unethical, or legally actionable activity. Further, we may use IP address or other Device Identifiers, to identify users, and may do so in cooperation with third parties such as copyright owners and/or law enforcement agencies, including disclosing such information to third parties, all in our discretion. Such disclosures may be carried out without notice to you.

DISCLOSURE IN CASE OF BUSINESS TRANSFER.

BYR may share your information, including your Personal Information and Usage Information with its parent, subsidiaries and affiliates for internal reasons. BYR also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Services or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process.

THIRD PARTY CONTENT AND LINKS TO THIRD PARTY SERVICES

The Application may contain content that is supplied by a third party, and those third parties may collect web site usage information and your Device Identifier when web pages from any online or mobile Services are served to your browser. In addition, when you are using the Application, you may be directed to other sites or applications that are operated and controlled by third parties that we do not control. We are not responsible for the privacy practices employed by any of these third parties. We encourage you to note when you leave our Services and to read the privacy statements of all third party web sites or applications before submitting any Personal Information to third parties.

SOCIAL MEDIA FEATURES AND WIDGETS

The Application may include social media features, such as the Facebook Like button, and widgets such as a “Share This” button, or interactive mini-programs that run on the Application. These features may collect your IP address, which page you are visiting through the Application, and may set a cookie to enable the feature to function properly. Social media features and widgets are hosted by a third party. Your interactions with these features and widgets are governed by the privacy policy of the company providing them.

CHANGE OF INFORMATION AND CANCELLATION OF ACCOUNT

You are responsible for maintaining the accuracy of the information you submit to BYR, such as your contact information provided as part of account registration. If your Personal Information changes, or if you no longer desire our Services, you may correct, delete inaccuracies, or amend information by making the change on our member information page. We will make good faith efforts to make requested changes in the then active databases as soon as reasonably practicable.

You may also cancel or modify your communications that you have elected to receive from the Application by following the instructions by logging into your user account and changing your communication preferences.

BYR will retain your Personal Information and Usage Information (including geo-location) for as long as your account with the Service is active and as needed to provide you services. Even after your account is terminated, BYR will retain your Personal Information and Usage Information (including geo-location, trip history, and transaction history) as needed to comply with the legal and regulatory obligations, resolve disputes, conclude any activities related to cancellation of an account, investigate or prevent fraud and other inappropriate activity, to enforce our agreements, and for other business reason. After a period of time, your data may be anonymized and aggregated, and then may be held by BYR as long as necessary for providing the services effectively, solely for analytic purposes.

SECURITY

The Personal Information and Usage Information that is collect is securely stored within BYR’s databases. BYR uses standard, industry-wide, commercially reasonable security practices such as encryption, firewalls and SSL (Secure Socket Layers) for protecting your information - such geo-location information. However, as effective as encryption technology is, no security system is impenetrable. BYR cannot guarantee the security of the databases, nor can its guarantee that information you supply won't be intercepted while being transmitted to it over the Internet or wireless communication, and any information you transmit to BYR is at your own risk. We recommend that you not disclose your password to anyone.

CHANGES TO THE PRIVACY POLICY

From time to time, BYR may update this Privacy Policy to reflect changes to its information practices. Any changes will be effective immediately upon the posting of the revised Privacy Policy. We encourage you to periodically review this page for the latest information on our privacy practices.

icy also applies to the use of interactive features or downloads that: (i) BYR owns or controls; (ii) are available through the Services; or (iii) interact with the Services and post or incorporate this Privacy Policy.

BY USING THE SERVICES OR BY OTHERWISE GIVING THE INFORMATION TO BYR, YOU AGREE TO THE TERMS OF THIS PRIVACY POLICY.

Please review the following carefully so that you understand the privacy practices followed by BYR. If you do not agree to this Privacy Policy, do not use any of the Services or give any of your information. In addition, please review the Terms and Conditions, which may apply to your use of the website/ application at the online resource “Policyfy.com” (the “Application”). This Privacy Policy is incorporated by reference into the applicable Terms and Conditions.

INFORMATION PROVIDED TO/ COLLECTED BY BYR

The Services are primarily provided through an online application on your computer, mobile, tablet computer or similar device. You agree that BYR may collect and use technical data and related information, including but not limited to, technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to the Application.
When you use the Application, it may automatically collect and store some or all of the following information from your device (“Device Information”), including without limitation:

  • Your preferred language and country site (if applicable)
  • Your phone number or other unique device identifier assigned to your mobile device – such as the International Equipment Identity or the Mobile Equipment ID number
  • The IP address of your device
  • The manufacturer and model of your device
  • Your operating system of your device
  • The type of Internet browsers you are using
  • Your geolocation
  • Information about how you interact with the Application and any of our web sites to which the Application links, such as how many times you use a specific part of the mobile application over a given time period, the amount of time you spend using the Application, how often you use the Application, actions you take in the Application and how you engage with the Application
  • Information to allow us to personalize the services and content available through the Application

BYR may use information automatically collected by the Application (including the Mobile Device Information) in the following ways:

  • To operate and improve its Application, other Services, Developer’s services, and tools;
  • To create aggregated and anonymized information to determine which Application features are most popular and useful to users, and for other statistical analyses;
  • To prevent, discover and investigate violations of this Privacy Policy or any applicable terms of service or terms of use for the Application, and to investigate fraud, chargeback or other matters;
  • To customize the content or services on the Application for you, or the communications sent to you through the Application.

With respect to geo-location data we track through your Device, BYR uses that geo-location information for various purposes. – including, to send you promotions and offers, and to allow you (if you choose through any features we may provide) to share this information with other people. Except as otherwise permitted in this Privacy Policy, BYR will not share this information with third parties for any purpose and will only use this information for the sole purpose of providing you with the ability to use the services of BYR through the Application. You may at any time no longer allow the Application to use your location by turning this feature off at the Device level.

BYR may associate your unique Device Identifier or Application usage information with any Personal Information you provide, but we will treat the combined information as Personal Information.

Personal Information may also be collected and shared with third-parties if there is content from the Application that you specifically and knowingly upload to, share with or transmit to an email recipient, online community, website, or to the public, e.g. uploaded photos, posted reviews or comments, or information about you through features which may be provided on our Services. This uploaded, shared or transmitted content will also be subject to the privacy policy of the email, online community website, social media or other platform to which you upload, share or transmit the content.

INFORMATION PROVIDED BY THIRD PARTIES

BYR may, from time to time, supplement the information collected by it through the Application with outside records from third parties in order to enhance its ability to serve you, to customize its content to you and to offer you opportunities to purchase products or services that may be of interest to you. BYR may combine the information received from third party sources with information collected through the Application. In those cases, BYR will apply this Privacy Policy to any Personal Information received, unless we have disclosed otherwise.

USE OF INFORMATION COLLECTED

Our primary goal in collecting your Personal information or Usage Information is to provide you with an enhanced experience when using the Services.

Based upon the Personal Information you provide us when registering for an account, we will verify your username and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by various modes.

We use your information to closely monitor which features of the Services are used most, to allow you to view any promotions we may currently be running, and to determine which features we need to focus on improving, including usage patterns and geographic locations to determine where we should offer or focus services, features and/or resources.

We use the information collected from the Application so that we are able to serve you for troubleshooting and in some cases, marketing purposes.

We use your Internet Protocol (IP) address to help diagnose problems with our computer server, and to administer our web site(s). Your IP address is used to help identify you, but contains no personal information about you.

We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our Services are temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

In addition, we may use your Personal Information or Usage Information that we collect about you: (1) to provide you with information or services or process transactions that you have requested or agreed to receive including to send you electronic newsletters, or to provide you with special offers or promotional materials on behalf of us or third parties; (2) to process your registration with the Services, including verifying your information is active and valid; (3) to improve the Services or our services, to customize your experience with the Services, or to serve you specific content that is most relevant to you; (4) to enable you to participate in a variety of the Services’ features such as online or mobile entry sweepstakes, contests or other promotions; (5) to contact you with regard to your use of the Services and, in our discretion, changes to the Services and/or the Services’ policies; (6) for internal business purposes; (7) for inclusion in our data analytics; and (8) for purposes disclosed at the time you provide your information or as otherwise set forth in this Privacy Policy.

Please note that information submitted to the Services via a “contact us” or other similar function may not receive a response.

DISCLOSER OF INFORMATION TO THIRD PARTIES

We may share non-personally identifiable information, such as aggregated user statistics and log data, with third parties for industry analysis, demographic profiling, to deliver targeted advertising about other products or services, or for other business purposes. We do not sell, share, rent or trade the information we have collected about you, including Personal Information, other than as disclosed within this Privacy Policy or at the time you provide your information. We do not share your Personal Information with third parties for those third parties’ direct marketing purposes unless you consent to such sharing at the time you provide your Personal Information.

BYR shall be entitled to disclose to all of its group companies or any of its authorized Insurance partners or any government body as so required by the law or by directive or request from such government body or any third party, your particulars in the possession of BYR in any way as BYR, in its absolute discretion, deems fit or if it considers it in its interests to do so.

INFORMATION RECEIVED FROM THIRD PARTIES.

You may be presented with an opportunity to receive information and/or marketing offers directly from third parties. If you do agree to have your Personal Information shared, your Personal Information will be disclosed to such third parties and all information you disclose will be subject to the privacy policy and practices of such third parties. BYR is not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to agreeing to receive such information from them. If you later decide that you no longer want to receive communication from a third party, you will need to contact that third party directly.

SHARING OF INFORMATION WITH THIRD PARTIES SERVICE PROVIDERS.

BYR uses third party companies and individuals to facilitate its Services, provide or perform certain aspects of the Services on its behalf – such as information about insurance plans, offers and companies they work for to provide the Services, and other third-parties to host the Services, design and/or operate the Services’ features, track the Services’ analytics, process payments, engage in anti-fraud and security measures, provide customer support, provide geo-location information, to enable us to send you special offers, perform technical services (e.g., without limitation, maintenance services, database management, web analytics and improvement of the Services‘ features), or perform other administrative services. We may provide these vendors with access to user information, including Personal Information, this information sharing is limited to only the information needed by the vendor to carry out the services they are performing for you or for us. Each of these vendors is obligated not to disclose or use Personal Information for any other purpose.

DISCLOSURE OF INFORMATION FOR ADMINISTRATIVE AND LEGAL REASONS.

BYR cooperates with government and law enforcement officials and private parties to enforce and comply with the law. Thus, BYR may access, use, preserve, transfer and disclose your information (including Personal Information), including disclosure to third parties such as government or law enforcement officials or private parties as it reasonably determine is necessary and appropriate: (i) to satisfy any applicable law, regulation, subpoenas, governmental requests or legal process; (ii) to protect and/or defend the Terms and Conditions for online and mobile Services or other policies applicable to any online and mobile Services, including investigation of potential violations thereof; (iii) to protect the safety, rights, property or security of the Company, our Services or any third party; (iv) to protect the safety of the public for any reason; (v) to detect, prevent or otherwise address fraud, security or technical issues; an /or (vi) to prevent or stop activity we may consider to be, or to pose a risk of being, an illegal, unethical, or legally actionable activity. Further, we may use IP address or other Device Identifiers, to identify users, and may do so in cooperation with third parties such as copyright owners and/or law enforcement agencies, including disclosing such information to third parties, all in our discretion. Such disclosures may be carried out without notice to you.

DISCLOSURE IN CASE OF BUSINESS TRANSFER.

BYR may share your information, including your Personal Information and Usage Information with its parent, subsidiaries and affiliates for internal reasons. BYR also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Services or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process.

THIRD PARTY CONTENT AND LINKS TO THIRD PARTY SERVICES

The Application may contain content that is supplied by a third party, and those third parties may collect web site usage information and your Device Identifier when web pages from any online or mobile Services are served to your browser. In addition, when you are using the Application, you may be directed to other sites or applications that are operated and controlled by third parties that we do not control. We are not responsible for the privacy practices employed by any of these third parties. We encourage you to note when you leave our Services and to read the privacy statements of all third party web sites or applications before submitting any Personal Information to third parties.

SOCIAL MEDIA FEATURES AND WIDGETS

The Application may include social media features, such as the Facebook Like button, and widgets such as a “Share This” button, or interactive mini-programs that run on the Application. These features may collect your IP address, which page you are visiting through the Application, and may set a cookie to enable the feature to function properly. Social media features and widgets are hosted by a third party. Your interactions with these features and widgets are governed by the privacy policy of the company providing them.

CHANGE OF INFORMATION AND CANCELLATION OF ACCOUNT

You are responsible for maintaining the accuracy of the information you submit to BYR, such as your contact information provided as part of account registration. If your Personal Information changes, or if you no longer desire our Services, you may correct, delete inaccuracies, or amend information by making the change on our member information page. We will make good faith efforts to make requested changes in the then active databases as soon as reasonably practicable.

You may also cancel or modify your communications that you have elected to receive from the Application by following the instructions by logging into your user account and changing your communication preferences.

BYR will retain your Personal Information and Usage Information (including geo-location) for as long as your account with the Service is active and as needed to provide you services. Even after your account is terminated, BYR will retain your Personal Information and Usage Information (including geo-location, trip history, and transaction history) as needed to comply with the legal and regulatory obligations, resolve disputes, conclude any activities related to cancellation of an account, investigate or prevent fraud and other inappropriate activity, to enforce our agreements, and for other business reason. After a period of time, your data may be anonymized and aggregated, and then may be held by BYR as long as necessary for providing the services effectively, solely for analytic purposes.

SECURITY

The Personal Information and Usage Information that is collect is securely stored within BYR’s databases. BYR uses standard, industry-wide, commercially reasonable security practices such as encryption, firewalls and SSL (Secure Socket Layers) for protecting your information - such geo-location information. However, as effective as encryption technology is, no security system is impenetrable. BYR cannot guarantee the security of the databases, nor can its guarantee that information you supply won't be intercepted while being transmitted to it over the Internet or wireless communication, and any information you transmit to BYR is at your own risk. We recommend that you not disclose your password to anyone.

CHANGES TO THE PRIVACY POLICY

From time to time, BYR may update this Privacy Policy to reflect changes to its information practices. Any changes will be effective immediately upon the posting of the revised Privacy Policy. We encourage you to periodically review this page for the latest information on our privacy practices.