Privacy Policy

Last Updated: August 23, 2025

1. Our Commitment to Your Privacy

Ethika Insurance Broking Private Limited ("Ethika," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you visit our website www.ethika.co.in, use our services, or interact with our platforms, including the Ethika OS™.

We process your data in accordance with the Indian Digital Personal Data Protection Act, 2023 (DPDPA) and the Information Technology Act, 2000, and its associated rules.

2. Information We Collect

We may collect and process the following types of personal data:

• Personal Identification Information: Name, email address, phone number, residential address, date of birth, gender, and other details you provide through our contact forms, calculators, or registration processes.
• Corporate Information: Company name, job title, and business contact details when you engage with us on behalf of your organization.
• Sensitive Personal Data: In the course of providing insurance services, we may process sensitive data such as health information, financial details, and nominee information. We will always seek your explicit consent for processing such data.
• Technical Data: IP address, browser type, operating system, and browsing behaviour on our website, collected through cookies and similar technologies.
• Usage Data: Information about how you use our website, the Ethika OS™ platform, and our wellness services, including engagement with specific features and content.

3. How We Use Your Information

Your data is used for the following legitimate purposes:

• To provide and manage our insurance broking and risk management services.
• To facilitate the issuance and administration of insurance policies with partner insurers.
• To provide access to and manage your account on the Ethika OS™ platform.
• To deliver the services within our Happiness Ecosystem.
• To communicate with you regarding your queries, provide support, and send important service-related updates.
• To personalize your website experience and improve our service offerings.
• To comply with our legal, regulatory, and statutory obligations.

4. Data Sharing and Disclosure

We do not sell your personal data. We may share your information with the following trusted third parties only for the purposes outlined in this policy:

• Insurance Companies: To obtain quotes, issue policies, and process claims.
• Third-Party Administrators (TPAs): To facilitate cashless claims and other policy services.
• Wellness Service Vendors: To provide the services offered under our Happiness Ecosystem, only with your explicit consent.
• Regulatory Authorities: As required by law, such as the IRDAI.
• Legal and Professional Advisors: To respond to legal processes or protect our rights.

We ensure that all third parties with whom we share your data adhere to strict data protection and confidentiality standards.

5. Data Security

We are committed to protecting your data. We have implemented robust technical and organizational security measures, including those compliant with ISO 27001:2013, to prevent unauthorized access, use, alteration, or disclosure of your information.

6. Data Retention

We will retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including for satisfying any legal, accounting, or reporting requirements.

7. Your Rights as a Data Principal

Under the DPDPA, you have the following rights regarding your personal data:

• The right to access a summary of your personal data that we process.
• The right to correct, complete, and update your personal data.
• The right to erasure of your personal data (subject to legal and contractual limitations).
• The right to grievance redressal for any concerns regarding your data.
• The right to nominate another individual to exercise your rights in the event of your death or incapacity.

To exercise any of these rights, please contact our Grievance Officer.

8. Cookies and Tracking Technologies

Our website uses cookies to enhance user experience and analyze website traffic. You can control the use of cookies through your browser settings.

9. Grievance Redressal

If you have any questions, concerns, or grievances regarding this Privacy Policy or the processing of your personal data, please contact our designated Grievance Officer:

We will address your concerns in a timely and efficient manner, in accordance with the applicable data protection laws.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.