PPbpay.com including online platform(s) /web applications owned by the Company ('Website') recognizes the importance of maintaining your privacy. PB Pay Private Limited (Company / We / Us) hereinafter known as ‘PB’ is committed to maintain the confidentiality, integrity and security of all information of our users. This Privacy Policy describes how PB collects and handles certain information it may collect and/or receive from you via the use of this Website. Please see below for details on what type of information we may collect from you, how that information is used in connection with the services offered through our Website and relevant information shared with our authorized business partners only for the purpose of policy solicitation process, pre/post-sale servicing, claim servicing and providing you any other services as permissible under applicable laws. This Privacy Policy applies to current and former visitors to our Website and our customers. By visiting and/or using our Website, you agree to this Privacy Policy.
This Privacy Policy is published in compliance of: the Information Technology Act, 2000; and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the "SPDI Rules") as amended from time to time.
By using the Pbpay.com you authorize PB (including its authorized representatives and its business partners) to contact you via email or phone call or sms or WhatsApp and offer you our services for the product you have opted for, imparting product knowledge, offer promotional offers running on the Website and offers by its authorized business partners and associated third parties (to the extent permissible), for which reasons your information may be collected in the manner as detailed under this Policy. You hereby agree that you authorize PB to contact you on your mobile number for the above mentioned purposes even if you have registered yourself under DND or DNC or NCPR service(s). You also authorize PB to contact you on the WhatsApp number. Your authorization, in this regard, shall be valid as long as your account is not deactivated by either you or us.
Controllers of Personal Information; Your personal data will be stored and collected by PB.
We use your information in order to: (i) Respond to queries or requests submitted by you. (ii) RProcess orders or applications submitted by you. (iii) Administer or otherwise carry out our obligations in relation to any agreement with our authorized business partners in connection with our business operations and functions for the purpose of insurance solicitation, providing pre/post sale services, claims servicing and providing you any other services as permissible under applicable laws or any other insurance related purposes. (iv) Anticipate and resolve problems with any services supplied to you. Offer group insurance cover and wellness corner offerings / health and wellness related information to your employer organization. (v) To send you information about promotions or offers from Insurance Companies to the extent permissible under applicable laws. We might also tell you about new features or products. (vi) To make our website and the services offered better. We may combine information we get from you with information about you we get from our business partners or third parties as permissible under applicable laws. (vii) To send you notices, communications, offer alerts relevant to your use of the Services offered on this Website. (viii) Third parties and outsourced entities for the reasons consistent with the purposes for which the information was collected and/or other purposes as per applicable law. (ix) Where we need to comply with a legal obligation as per applicable legal and regulatory framework.
Otherwise provided in this Privacy Policy.
Some features of this Website or our Services will require you to furnish your personally identifiable information as provided by you under your account section on our Website.
We may share your Information submitted on the Website to any third party/service provider/business partner without obtaining your prior consent in the following limited circumstances:
A cookie is a piece of data stored on the user's computer tied to information about the user. We may use both session ID cookies and persistent cookies. For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. A persistent cookie is a small text file stored on your computer’s hard drive for an extended period of time. Session ID cookies may be used by PRP to track user preferences while the user is visiting the website. They also help to minimize load times and save on server processing. Persistent cookies may be used by PRP to store whether, for example, you want your password remembered or not, and other information. Cookies used on the PRP website do not contain personally identifiable information.
Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer to you, to improve marketing, analytics or site functionality.
We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Further, you are responsible for maintaining the confidentiality and security of your login id and password, and may not provide these credentials to any third party.
We use Transport Layer Security ('TLS') technology to encrypt information exchange. Unlike normal Internet communication, information provided to us at Pb is sent in a “secure session” established with TLS. TLS is a security protocol that provides data encryption, server authentication, and message integrity for a connection to the Internet. Using TLS ensures that the information you exchange with PB is never transmitted over the Internet unencrypted and therefore cannot be viewed by unauthorized individuals. This encryption is done using minimum 128 bit encryption.
Your data resides safely in the PB database and is protected by multiple firewalls. These firewalls are configured to receive and process requests only from authorized personnel. It can also detect any unauthorized activity around our servers. Further, some of the critical information such as your password, secret question, answer, personal information etc are stored in the database in an encrypted format, thereby preventing misuse of data even by any remote possibility.
We take regular backups of your data so that appropriate recovery measures can be initiated of the latest information if there are any problems.
There might be other sites linked to Pbpay.com. Personal information that you provide to those sites are not our property. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies of these website when you visit them.
If you are no longer interested in receiving e-mail announcements and other marketing information from us, please e-mail your request at: care@pbpay.com. Please note that it may take about 10 days to process your request.
PB reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to read, review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
By using PB website and/or by providing your information, you consent to the terms of this policy, collection and use of the information you disclose on PB website in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.
In case of non-compliance with the privacy policy, we reserve the right to terminate your access or usage rights immediately or remove non-compliant information or both.
If at any time you believe that PB has not adhered to these privacy guidelines, please notify us by email at privacy@pbpay.com and we will use all commercially reasonable efforts to promptly determine and correct the problem. This policy may change from time to time so please check back periodically.
If you have a question that was not addressed in this privacy policy you may contact us at privacy@pbpay.com or at the below mentioned address. As per Information Technology Act, 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:
Data Grievance Officer
In case you have any grievances with respect to in accordance with applicable law on Information Technology and rules made there under, reach out to Grievance Officer at our grievance portal