Privacy Policy

This Policy has been updated on 25-July-2024.
This privacy policy (Policy) is an electronic record in the form of an electronic contract formed under the Information Technology Act, 2000 and the rules made there under. This Policy does not require any physical, electronic or digital signature. This Policy is a legally binding document between you and GIGIS. The terms of this Policy will be effective upon your acceptance of the same, by clicking on the "I Accept" tab or by use of the Website/App and will govern the relationship between you and GIGIS for your use of the Website/App.

The contents of this Privacy Policy along with the Terms and Conditions (Terms and Conditions) available at [Terms Conditions ] are applicable to all hyperlinks on the website which can be accessed at [ https://www.gigis.co.in ] (Website), mobile applications or any other platform owned by GIGIS. All services provided by GIG Insurance solutions through the Website or other third-party sites (Service Sites) will be governed by this Privacy Policy.

This Privacy Policy is for your knowledge, understanding, and agreement as to what information or personal data we collect, why we collect and how you can update, manage, and delete your information or personal data.

Visitors hereby acknowledge having read and accepted this Privacy Policy. If you don't agree with this policy, you should not register or avail of our services.

We”, “Our”, “GIGIS” or “Us”, where such expression shall unless repugnant to the context thereof, be deemed to include its respective legal heirs, representatives, administrators, permitted successors and assigns) own and/ or operate the website and mobile application www.gigis.co.in (“Website”, “Our Website”, “Site”).

For the purpose of providing the Services (as defined in clause 1 below), GIGIS is required to collect and use certain information of the users of the Website (“Users”) using the Services and involves capturing, storage and transmission of such information. This privacy policy ("Privacy Policy"/ “Policy”) explains how We collect, use, share and protect personal information of the Users of the Services (jointly and severally referred to as “You”, “Your”, “Yourself” or “User” or “Users” in this Privacy Policy). We have created this Privacy Policy to ensure our steady commitment to the privacy of the information of the Users who interact with our Services. Your use of and access to the Services is subject to this Privacy Policy and our Terms and Conditions. Any capitalized term used, but not defined, in this Privacy Policy shall have the meaning attributed to it in our Terms and Conditions.

The headings used herein are only for the purpose of arranging the various provisions of the Privacy Policy. The headings are for the purpose of reference only and shall not be interpreted to limit or expand the provisions of the clauses contained therein.

Your privacy is important to GIG INSURANCE SOLUTIONS (hereinafter “the Company/ GIGIS”). This statement outlines the Company policy on how we collect personal information and how we maintain, use, store and disclose the personal information we hold which reflects our commitment to you. GIGIS (“we” or “our”) is the owner, author and publisher of www.gigis.co.in (“Website”) which lists and permits transactions in relation to Service (“Service(s)”). All visitors of the Website are together termed as “you” or “Users”. It applies to all operations within the Company, including visitors to our Websites.

We desire a long-term relationship with you and respect the trust that you place in us while you interact with us. In keeping par with the requirements of applicable law including Section 43A of the Information Technology Act, 2000, Rule 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the “SPI Rules”) and Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011, this comprehensive Privacy Policy has been prepared to outline everything you need to know about the kind of information collected by us from you regarding your personal details and/or about the end users of the Services, our commitment to protecting such information in the course of our interaction with you and the conditions under which we may have to disclose such information (“Privacy Policy”).

By visiting this Website you agree to be bound by the terms and conditions of this Privacy Policy and consent to our use and disclosure of your personal information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy please do not use or access our Website. This Privacy Policy is incorporated into and subjected to the Terms of Use. Any capitalized term used but not defined in this Privacy Policy shall have the meaning specified in the Terms of Use.

If you use this Website on behalf of a third party whom you represent, it would mean that you are authorized to accept the terms of this Privacy Policy on such person’s behalf.

The Company’s Privacy Policy will be reviewed and updated from time to time to take account of new laws and technology, changes to our operations and practices and to make sure it remains appropriate to the changing environment. Please regularly check our Privacy Policy so that you are aware of these updates and changes. Any information which we hold shall be governed by the most current version of the Company’s Privacy Policy.

WHY THIS PRIVACY POLICY?
i. This Privacy Policy is published in compliance with, inter alia,
ii. Section 43A of the Information Technology Act, 2000;
iii. Regulation 4 of the SPI Rules; and
iv. Regulation 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 (“Intermediaries Guidelines”).
v. This Privacy Policy states, inter alia, the following:
vi. The type of information collected from the Users, including Sensitive Personal Data or Information;
vii. The purpose, means and modes of usage of such information; and
viii. How and to whom we will disclose such information
1. The Company’s Privacy Policy is based on transparency
We are committed to being open and transparent towards how we manage the personal information of our clients.
1. Types of personal information held by the Company and when and how it is collected Personal information means the information which is available or likely to be available with us and which is capable of identifying you or form an opinion about you. It includes information regarding your personal details events, and other information obtained or received by us in connection with your possible and actual details provided. GENERAL

a. The User unequivocally agrees that this Policy and the aforementioned Terms and Conditions constitute a legally binding agreement between the User and “GIGIS” and that the User shall be subject to the rules, guidelines, policies, terms, and conditions applicable to any service that is provided by “GIGIS” including the Services, and that the same shall be deemed to be incorporated into the Terms and Conditions, and shall be treated as part of the same.

b. This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. Further, this document is published in accordance with the provisions of the SPI Rules and Intermediaries Guidelines.

c. The terms ‘Party’ and ‘Parties’ shall respectively be used to refer to the User and “GIGIS” individually and collectively, as the context so requires.

d. The headings of each section in this Policy are only for the purpose of organizing the various provisions under this Policy in an orderly manner and shall not be used by either Party to interpret the provisions contained herein in any manner. Further, it is specifically agreed to by the Parties that the headings shall have no legal or contractual value.

e. The Parties expressly agree that subject to clause 13 of this Policy, “GIGIS” retains the sole and exclusive right to amend or modify the Policy and the aforementioned Terms and Conditions without any prior permission or intimation to the User keeping in mind best practices and laws set by State/Central Government of India, and the User expressly agrees that any such amendments or modifications shall come into effect immediately. The User has a duty to periodically check the Policy and Terms and Conditions and stay updated on their provisions and requirements. If the User continues to use the Services following such a change, the User will be deemed to have consented to any and all amendments/ modifications made to the Policy and Terms and Conditions. In so far as the User complies with the Policy and Terms and Conditions, he/she is granted a personal, non-exclusive, non-transferable, revocable, limited privilege to enter, access and use the Services.

• 1. Sensitive Personal Data or Information (“SPDI”)
SPDI is a special category of personal information defined under Section 43A of the Act and the Privacy Rules framed there under that could be used for the purpose of identifying you or to form an opinion about you. SPDI is such personal information which consists of information relating to:
1. password;
2. financial information such as bank account or credit card or debit card or other payment instrument details;
3. sexual orientation, preferences or practices; and
4. any detail relating to the above information as provided to us by you for providing service. any of the information received above by a body corporate for processing, whether stored or processed under lawful contract or otherwise: As outlined under the Act and the Privacy Rules, your personal information and/or SPDI can only be collected, handled, processed or stored by us and / or disclosed to / shared with third party(ies) only after obtaining your prior written consent. However, the Act read with the Privacy Rules provide for the following circumstances in which we may not obtain your consent while collecting, handling, processing or storing your personal information and / or while disclosing your personal information to a third party:

1. where your personal information is freely available or accessible in public domain or is furnished under the Right to Information Act, 2005 or any other law for the time being in force as the same would not be regarded as personal information / SPDI for the purposes of the Privacy Rules;

2. where your personal information is disclosed to any third party by an order under the law for the time being in force; and

3. Where your personal information is disclosed to the Indian Government agencies mandated under the law to obtain such information for the purpose of verification of your identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences.

You are asked for your contact number during sign up to validate your identity and send SMSs, notifications about our services to your wireless device. Hence, by signing up you authorize us to send texts alerts to you with your login details and any other service requirements.

We use your information in order to:
1. Respond to queries or requests submitted by you.
2. Process applications submitted by you.
3. As otherwise provided in this Privacy Policy.


• 2. Data Collected Using Google Services
We use Google authentication and its mailing api services (gmail.readonly, userinfo.email) to provide you(end customer) with better convenience and services from our end. The data captured will be used only for internal purpose and will not be exposed to any third party. Authorizing & storing this data will be solely on your approval.

GIG INSURANCE SOLUTIONS use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

1. Collection
We may collect, handle, process or store personal information and /or SPDI about you when:
1. You are a registered user on our website or provide any other information in connection with your registration;
2. We receive any reference about you;
3. We receive any information about any insurance investigation, litigation, registration or professional disciplinary matter, criminal matter, inquest or inquiry in which you were involved;
4. You provide us with any additional information about you.

1. General information collected from visitors to our website
We gather personal information and / or SPDI about all our website users collectively, such as what areas users visit more frequently and what services users access the most. This information helps us determine what is most beneficial for our users, and how we can continuously create a better overall website experience for you.

When you use or transact on our website, we collect Personal Information about you periodically. The objective really is to give a seamless, safe and a personalized experience which would make using our website a pleasant experience for you. Also we do need some personal information that is essential in order to execute the orders that you place on our site

All your information is maintained by “GIG Insurance solutions” in an electronic form on its equipment, and on the equipment’s of its employees. The User information may also be converted to physical form from time to time. “GIG Insurance solutions” make all User information accessible to its employees only on a need-to-know basis, and binds all such employees to strict confidentiality obligations If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Website, we may collect such information into a file specific to you. In our efforts to continuously improve our service offerings, we collect and analyze demographic and profile data about our users' activity on our Website.

We identify and use your IP address to help diagnose problems with our server, and to administer our Website. Your IP address is also used to help identify you and to gather broad demographic information.

We use your personal information to resolve disputes; troubleshoot problems; help promote a safe service; collect money; measure consumer interest in our services, inform you about online and offline offers, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our terms and conditions; and as otherwise described to you at the time of collection.

Notwithstanding the above, GIG Insurance solutions shall not be responsible for any breach of security or for any actions of any third parties that receive Users’ personal data or events that are beyond the reasonable control of GIG Insurance solutions including, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, breach of security and encryption, poor quality of internet service or telephone service etc.

CHILDREN’S AND MINOR’S PRIVACY
We strongly encourage parents and guardians to supervise the online activities of their minor children and consider using parental control tools available from online services and software manufacturers to help provide a child-friendly online environment. These tools can also prevent minors from disclosing their name, address, and other personally identifiable information online without parental permission. Although the Services are not intended for use by minors, We respect the privacy of minors who may inadvertently use the internet or the mobile application.

CONSENT TO THIS POLICY

You acknowledge that this Privacy Policy is a part of the Terms and Conditions of the Website and the other Services, and you acknowledge that you have unconditionally agreed as User of the Platform and the Services signifies your assent to this Privacy Policy. Your visit to the Website, use of the App and use of the Services is subject to this Privacy Policy and the Terms and Conditions.

AFFILIATE COMMISSION

GIGIS, an affiliate platform, is essentially a service provider that connects retailers and publishers. GIGIS is not liable to pay for any commission which is cancelled by the partner retailer due to any reason whatsoever and not limited to bulk buying, self consumption, unattributed sale, return or cancellation of product and/or violating any affiliate policy of our partner retailer. Users are required to constantly keep a check on profit rates and terms of campaigns as these are subject to change real time without prior notice. GIGIS reserves the right to cancel the profit as directed by the partner retailer. By signing up on GIGIS, user agrees to abide by this clause.

AFFILIATE COMMISSION

“GIGIS”, an affiliate platform, is essentially a service provider that connects retailers and publishers. “GIGIS” is not liable to pay for any commission which is cancelled by the partner retailer due to any reason whatsoever and not limited to bulk buying, self consumption, unattributed sale, return or cancellation of product and/or violating any affiliate policy of our partner retailer. Users are required to constantly keep a check on profit rates and terms of campaigns as these are subject to change real time without prior notice. “GIGIS” reserves the right to cancel the profit as directed by the partner retailer. By signing up on “GIGIS”, user agrees to abide by this clause.

Cookies
We use data collection devices such as "cookies" on certain pages of the Website to help analyze our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. A "cookie" is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. We place both permanent and temporary cookies in your computer's hard drive. In the course of optimizing services to its Users, GIG Insurance solutions may allow authorized third parties to place or recognize a unique cookie on the User’s browser. The cookies do not contain any of your personally identifiable information.

We offer certain features that are only available through the use of a "cookie". We also use cookies to allow you to enter your password less frequently during a session. Cookies can also help us provide information that is targeted to your interests. Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on the Website and you may be required to re-enter your password more frequently during a session.

Additionally, you may encounter "cookies" or other similar devices on certain pages of the Website that are placed by third parties. We do not control the use of cookies by third parties.

Banking and credit card information
GIG Insurance solutions may require the User to pay with a credit card, wire transfer, debit card or cheque/cash. GIG Insurance solutions will collect such User’s credit card number and/or other financial institutional information such as bank account numbers and will use that information for the billing and payment processes, including but not limited to the use and disclosure of such credit card number and information to third parties as necessary to complete such billing operation. Verification of credit information, however, is accomplished solely by the User through the authentication process. User’s credit card/debit card details are transacted upon secure sites of approved payment gateways which are digitally under encryption, thereby providing the highest possible degree of care as per current technology. However, GIG Insurance solutions provides you an option not to save your payment details. User is advised, however, that internet technology is not full proof safe and User should exercise discretion while using the same.

Choice/Opt-Out
We use personal information to provide the services which you have requested. To the extent we use your personal information to market to you, we will provide you the ability to opt-out of such uses. We provide all users with the opportunity to opt-out of receiving non-essential (promotional, marketing-related) communications from us on behalf of our partners, and from us in general, after setting up an account.

If you want to remove your contact information from all www.gigis.co.in lists, please unsubscribe.
Links to Other Sites
Our Website may link you to other websites that may collect personally identifiable information about you. www.gigis.co.in is not responsible for the privacy practices or the content of those linked websites.

Security Precautions
Our Website has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized any access. You’re Consent

By using the Website and/ or by providing your information, you consent to the collection and use of the information which you have disclosed on the Website in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this Privacy Policy.

If we decide to change our Privacy Policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

1. Purposes and use for which we collect personal information
Your personal information / SPDI may be used in connection with:
1. Our management and resolution of any complaint, inquiry or investigation in which you are involved;
2. Any insurance claim or proposal that requires disclosure of your personal or sensitive information;
3. Undertaking criminal reference and other background checks;
4. For research, development, business systems and infrastructure testing, and other business purposes to assist us in providing our services to you; or
5. Our direct correspondence to you.


1. Disclosures
We may disclose your personal information (including to trusted third parties) for the purposes for which it is primarily held or for a related secondary purpose and in some cases we may only disclose information with your consent (unless already granted). Your personal and sensitive information may be disclosed to:
1. Potential and actual clients of Company and trusted third parties;

2. Our legal representatives

3. Our business partners;

4. A professional association or registration body that has a legitimate interest in the disclosure of your personal and sensitive information ;or

5. Any person with a lawful entitlement to obtain the information.
1. Management of personal information
At our Company, we train our staff to respect the confidentiality of our customer’s information and the privacy of individuals. Our Company regards breach of your privacy very seriously and any breach will result in disciplinary actions being taken, dependent upon the severity. The Company has appointed a Privacy Officer to ensure that our management of personal information and / or SPDI is in accordance with this policy and the relevant Act. As per the requirements of the Privacy Rules, our Company has designated a Grievance Officer to redress your complaints, if any, with respect to processing of information in a time bound manner. The Grievance Officer shall Endeavour to redress your complaints expeditiously within one month from the date of receipt of any communication in this regard from you.

1. How do we store and protect personal information?
Safeguarding the privacy of your information is important to us, whether you interact with us personally, by phone, mail, over the internet or any other electronic medium and ensure implementation of reasonable security practices and procedures to protect your personal information/SPDI. We will provide you with the names of the employees who may maintain, handle or store your personal information / SPDI as service provider on our behalf. We and / or through our team shall hold personal information/ SPDI in a combination of secure computer storage facilities and paper-based files and other records, and take such steps as are reasonable in the circumstances to protect the personal information/ SPDI we hold from misuse, interference and loss, unauthorized access, modification or disclosure. We may need to maintain records for a significant period of time. However, when we consider that such information is no longer needed, we will remove any details that will identify you or we will securely destroy the records.

1. How do we keep personal information accurate and up to date?
Our Company takes such steps as are reasonable in the circumstances to ensure that the personal information it holds and discloses is accurate, up to date and complete. We recognize that the information changes frequently with changes of address and other personal circumstances. Please advise the Company when your personal details change. Any change in your personal information / SPDI shall be updated by us after obtaining the same from you in writing.

If you have registered with our Company via our website, you are able to review and edit your personal information at any time by logging into your account and reviewing your profile. You can delete your personal information or close your account by contacting the Privacy Officer. If you do choose to close your account with the Company, the Company may retain personal information from your account as and where required by law.

1. Enquiries & complaints
Complaints
We aim to acknowledge receipt of all complaints within 15 working days, and aim to resolve all complaints within 45 days from the date of receipt of such complaint. This may not be possible in all circumstances depending on the contents of the complaint. In this situation, we will respond to your complaint in a reasonable time. If you are not satisfied with our response to your complaint, you may take recourse to redress your complaint as per the mechanism provided under the Act.

1. Access
You can gain access to the personal information that we hold about you.

To make a request to access your personal information, you will need to complete an application form verifying your identity and specifying what information you require. Please contact our Privacy Officer for more details on the same. We will respond to your request within a reasonable period after the request is made and provide access to the information in the manner requested, if it is reasonable and practicable to do so.

We may impose a moderate charge in providing access. Our Privacy Officer will discuss this with you. You should also anticipate that it may take time to process your request for access as there may be a need to retrieve information from storage and review it in order to determine what information is relevant.

If we refuse to provide you with access to your personal information, we will notify you in writing of the reasons for the refusal and the process for escalation regarding this refusal.

1. Correction
You may request that we correct the personal information that we hold about you if you deem it to be inaccurate, incomplete, out-of-date, irrelevant or misleading. We will take reasonable steps under the circumstances to correct the information. If we refuse to correct your personal information, we will notify you in writing of the reasons detailing our refusal to correct the information and the process for escalation regarding this refusal. Should we refuse you may ask us to place with the information a statement that the information is inaccurate, incomplete, out-of-date, irrelevant or misleading and we will take such reasonable steps under the circumstances to associate the statement with your information. If you wish to exercise your rights of correction you should contact our Privacy. We will not charge you for making the request to correct your information or associating a statement. We will not be responsible for the authenticity of the personal information / SPDI provided by you.

1. Feedback
The Company has several areas on our website where you can submit feedback, under the ‘Contact’ section. Any feedback that is submitted through this area becomes the property of the Company. We may use this feedback, in the form of success stories or responses to surveys, for marketing purposes, or to contact you for further feedback on the site.

1. Grievance Officer
In accordance with Information Technology Act, 2000 and rules made there under, the email id of the Grievance Officer is provided below: legal@gigis.co.in