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HDFC Life Privacy Policy

I. Introduction

This Privacy Policy is applicable to all customers of HDFC Life and users of www.hdfclife.com website and consequential services and products made available on the website by HDFC Life.

Please read this Privacy Policy carefully. By accessing the Website or using any of our Services, You represent/ agree that you have read and understood the terms and conditions of usage, which includes this Privacy Policy and You agree to be bound by all its terms.

II. Contents

This Privacy Policy deals with the following: 

  1. Definitions
  2. Information Collection
  3. Use of information
  4. Sharing of Information
  5. Communication
  6. Third party offers
  7. Changes to privacy policy
  8. Information Security
  9. Storage of Information
  10. Retention of Information
  11. Warranty Disclaimer
  12. Contact Information 

1. Definitions

  • HDFC Life” or “Us” or “We” or “The Company”- refers to HDFC Life Insurance Company Limited.

  • Policy” or” Insurance Policy”- refers to life insurance contract issued/ that may be issued by HDFC Life.

  • Privacy Policy”- refers to this Policy (Notice)

  • You” or “Your” or “User(s)”- refers to the person accessing the Website or utilizing the services of HDFC Life in any capacity.

  • Website”- refers to www.hdfclife.com and any subsequent pages under its sitemap

  • Services” - all services made available by HDFC Life

  • Personal Information” - means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person

  • Sensitive Personal Data or Information”- of a person means such personal information which consists of information relating to;— (i) password; (ii) financial information such as Bank account or credit card or debit card or other payment instrument details ; (iii) physical, physiological and mental health condition; (iv) sexual orientation; (v) medical records and history; (vi) Biometric information; (vii) any detail relating to the above clauses as provided to body corporate for providing service; and (viii) any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise: provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information. It shall also include the Aadhaar number and/or the biometric information associated with an Aadhaar number as defined under the Aadhaar Act, 2016 and associated amendments under the act as per UIDAI (Unique Identification Authority of India)

2. Information Collection

  • HDFC Life collects Personal Information or Sensitive Personal Data or Information in one or more ways as mentioned below:
  • Information You give us: while using the Website and/or while availing the products and some of the services made available on the Website including the information you give us while registering on our Website in order to create an account. The registration information typically asked for includes Your policy number (if applicable), name, e-mail address, etc. which is voluntarily provided from Your end and helps us in personally identifying You. This information is necessary to initiate as well as continually use Your online account and products. If the information provided for such registration is wrong or has changed, You can update it quickly or delete it unless we have to keep that information for legitimate business or legal purposes. However, at the back end, audit trail keeping may require us to retain copy/ log of such information for as long as is legally permitted/required.

  • We may collect the following Personal Information from You (Please note that this is an indicative list):

Sl. No.

Particulars of information collected

Purpose of collection

1.

Name

Provision of services

2.

Phone number

Provision of services

3.

Address

Provision of services

4.

Email ID

Provision of services

5.

Age

Provision of services

6.

Marital Status

Provision of services

  • We may collect the following Sensitive Personal Data or Information from You (Please note that this is an indicative list):

Sl. No.

Particulars of information collected

Purpose of collection

1.

KYC Details

Due Diligence and policy servicing

2.

Credit Score

Financial underwriting

3. 

Health information

Medical Underwriting

4.

Child data (below the age of 18)

Provision of services

5.

Voice Recording

Verification/Authentication purposes

6.

Video Recording

Verification/Authentication purposes

7.

Aadhaar Number and related information

Provision of Services

Processing of Sensitive Personal Data or Information has a risk of significant harm if its confidentiality is compromised or the data is leaked. The Company shall ensure that relevant and reasonable safeguards are put in place in while processing Sensitive Personal Data or Information.

  • Information we get from Your use of our Services on the Website: Visiting and using Services offered under the Website by HDFC Life may result in the Website receiving performance and usage information such as the date and time of Your visit, the kind of browser or computer You use, default language setting, Your unique Internet Protocol address, the number of links You click within the Website, the pages You viewed on the Website, and the web page from which You arrived to our Website. This information however will not be used to personally identify You.

  • Information we may get from our affiliates or third parties: We may obtain information about You from other sources, including commercially available sources, such as social media, data aggregators and public databases. We may also collect information about You from Our affiliates or group companies.

  • Information we get through sending one or more cookies or anonymous identifiers to Your device: Cookies are small electronic text files that contain information that a website uses to store User preferences and settings. You have the option to reset Your browser to control cookies; however, some of the Services offered by the Website may not function properly if cookies are refused/reset/deleted. 

In case you do not provide your information or consent for usage of personal information or later on withdraw your consent for usage of the personal information for the purpose it was collected, HDFC Life reserves rights to discontinue/cancel the insurance policy/services for which, the said information was sought and any decision of HDFC Life in this regard shall be binding on you and shall supersede the terms of the policy or services.

3. Use of information

Any information that we collect from You may be used for a variety of purposes including but not limited to the following:

  • To provide You with insurance related products that You may purchase from HDFC Life

  • To provide Services to all users of the Website

  • To personalize Your experience

  • To improve our Website

  • To improve our products and customer service

  • To process transactions, where requested, under Your User Id and Password

  • To close a sale as well as for post sales information gathering

  • To communicate with You for any other post sales requirement

  • To send periodic emails

  • To administer a contest, promotion, survey or other site or business feature,

  • To conduct statistical analysis

  • To develop better products/solutions or improve services using artificial intelligence, machine learning, behavioural analysis and other technologies

  • For sales and marketing activities

  • For Aadhaar authentication and sharing, storing, using Aadhaar data, as per the applicable laws.

4. Sharing of Information

  • HDFC Life or its Website does not collect any Personal Information or Sensitive Personal Data or Information (except in relation to online purchase) unless voluntarily provided by You, and HDFC Life confirms that it shall not rent or sell any of Your Personal Information or Sensitive Personal Data or Information. However, You would be required to provide Personal Information or Sensitive Personal Data or Information in the course of Your purchasing or initiating a transaction for purchase of a life insurance policy/ our products, or for initiating any other service request/ transaction under any product purchased by You.

  • HDFC Life may share Your Personal Information or Sensitive Personal Data or Information with third party vendors in the following cases:

    • To meet requirements of any applicable law, regulation, legal process, enforceable governmental request, or customary practice directly or through our affiliates / banks / financial institutions / credit bureaus / agencies,

    • To meet requirements of participation of any telecommunication or electronic clearing network,

    • For statistical analysis and verification or risk management,

    • To enforce applicable terms of Service, including investigation of potential violations,

    • To detect, prevent, or otherwise address fraud, security or technical issues, and

    • To provide You information on products and services offered by our subsidiary companies on pension products or pension schemes administered under PFRDA.

  • To protect against harm to the rights, property or safety of HDFC Life, our Users or the public as required or permitted by law.
  • HDFC Life retains the right to share non-personally identifiable information with third parties for business purposes, to assess Website traffic, patterns and other such purposes. HDFC Life also retains the right to share non-personally identifiable information to comply with applicable legal and regulatory processes, or to protect and defend the rights and interests of HDFC Life and its affiliates, subsidiaries and/or other users or to enforce the terms and conditions which are binding on all customers of HDFC Life and users of the Website.

  • We may share Your Personal Information or Sensitive Personal Data or Information with reinsurers who may have offices located outside India.

  • We will take precautions/apply safeguards as required by us under applicable laws, to ensure the confidentiality of any Personal Information or Sensitive Personal Data or Information.

  •  To outsource non-core activities as defined under the IRDAI guidelines.

5. Communication

HDFC Life retains the right to communicate with You (via e-mail, postal service, courier, mobile messaging services, WhatsApp and telephone or social media extensions) when You have agreed to receive such communication or where operational or regulatory requirements require us to do so. HDFC Life further retains its right to communicate through third party vendors. You shall have the option to unsubscribe to receive such communication.

Once You have raised a request with the Company for any request related to Your data/ information, We shall revert to You within 30 days of receipt of the request.

6. Third party offers

HDFC Life may allow third parties to offer subscription and/or registration-based Services through the Website, App or other platforms (viz. WhatsApp, Twitter, Alexa, etc.). HDFC Life shall not be responsible for any actions or policies of such third parties and users of the Website are requested to check the applicable third party privacy policy and acquaint themselves with the terms and conditions of usage of such service providers, when providing Personal Information or Sensitive Personal Data or Information. HDFC Life shall not be liable for any variance in the features/benefits offered by such third parties and shall not in any case assume warranty on the efficiency or efficacy of such offers.

HDFC Life shares certain Personal Information personal data with third parties for activities including, but not limited to:

  • Marketing purposes

  • Document management/retention

  • Cloud storage

  • Logistical activities such as printing of Your Welcome Kits, Courier of documents, etc.

  • Cross-selling and up-selling of products of the HDFC Life or its subsidiaries.

  • Medical underwriting

  • Financial Due Diligence

  • Claims related investigation purposes

  • Customer support provided by call centres

  • Improving services and products

7. Changes to Privacy Policy

HDFC Life may amend or modify, this Privacy Policy (including replacing this Privacy Policy with a new Policy), at any time at the sole discretion of HDFC Life. Revised Privacy Policy/amendments thereto shall be effective from the date indicated therein. Users are requested to periodically check the terms and conditions under this Privacy Policy from time to time. HDFC Life shall not in any circumstance be held liable for such lapses on the part of the users of the Website.

8. Information Security

We take reasonable precautions to protect Your Personal Information or Sensitive Personal Data or Information, information on the Website and our customers’ information from unauthorized access/ alteration, disclosure or destruction of information we hold. In particular:

  • We encrypt many of our Services using SSL certificates

  • We provide role-based access to employees/partners who need to login to our systems/ applications

  • We provide password based authentication to users who login to our website

  • Two-factor authentication is in place (wherever feasible) for employees and third parties who access our systems and applications.

  • We review our information collection, storage and processing practices, to guard against unauthorized access to systems.

We permit access to Personal Information or Sensitive Personal Data or Information to our employees, contractors and agents who are subject to strict contractual confidentiality obligations for data processing purposes.

9. Storage of Information

The Company uses third party data centres and cloud services to securely store Your data and to minimise the possibility of data loss. The relevant security safeguards and contractual clauses as required by relevant Laws are adhered to while storing Your data.

10. Retention of Information

HDFC Life shall not retain any Personal Information or Sensitive Personal Data or Information beyond the period necessary to satisfy the purpose for which it is processed and shall delete the Personal Information or Sensitive Personal Data or Information at the end of the processing. However, where it is required by local regulations and applicable law, We shall retain Your Personal Information or Sensitive Personal Data or Information for longer than required for the purpose. In some circumstances, HDFC Life may anonymise the data so that it can no longer be associated with the user, in which case HDFC Life may use such data without further reference to the user.

HDFC Life shall take reasonable steps to ensure that data which is not necessary for processing and not required to be stored is deleted periodically.

11. Warranty Disclaimer

Information, content and materials provided on this Website are on an “As Is” basis and HDFC Life does not make any express or implied representation or warranty regarding the accuracy or completeness of the same.

12. Contact Information

In case You require any further clarifications on the content of this Privacy Policy or terms of use, please contact 

The Information Technology Department, 
HDFC Life Insurance Company Limited, 
'Lodha Excelus', 12th Floor,Apollo Mills Compound,
N .M. Joshi Road, Mahalaxmi, Maharashtra,
Mumbai - 400 011.
Email id: [email protected]

INT/EU/08/21/24870