Ethika Insurance Broking Pvt. Ltd.(the "Ethika") takes your privacy very seriously and respects your privacy and is committed to protecting it. This privacy policy ("Privacy Policy") describes the types of information we may collect from you and others, and our practices for using, maintaining, protecting and disclosing such information. We collect information from you through our website, (the "Website(s)") and portal (“Portal”), when you request information from us or apply for our services ("Services"). We may also collect information about you from other sources when we provide our Services. This Privacy Policy does not apply to information collected by any external websites that may be accessible from or on our Website and Portal.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you may choose not to use our Services. By accessing or using our Website and Portal, you agree to this Privacy Policy. This Privacy Policy may change from time to time. We will notify you of any changes by email, website, or text messages or by providing a notice on the Website and Portal. Your continued use of our Services after we make changes shall be deemed to be an acceptance of those changes, so please check the Privacy Policy periodically for updates.

Information collected directly from the Individual

To register with Ethika you may be asked to provide your name, government ID’s, email address, bank account details and telephone number. Additional optional information may be collected from you by Ethika. Additional information may include without limitation credit or debit-card information, or other UPI payment information and other details as may be reasonably requested by Ethika.

We will inform you at the point of collecting information from you, whether you are required to provide the information to us. If this information is requested, we will explain how we intend to use it and we will only collect sensitive personal information with your explicit consent.

Automatically Collected Information

When you access the Service or open one of our HTML emails, we may automatically record certain information from your system by using cookies and other types of tracking technologies. This "automatically collected" information may include Internet Protocol address ("IP Address"), a unique user ID, device type, device identifiers, browser types and language, referring and exit pages, platform type, version of software installed, system type, the content and pages that you access on the Service, the number of clicks, the amount of time spent on pages, the dates and times that you visit the Service, and other similar information. Depending on the law of your country of residence, your IP address may legally be considered personal data.

Usage of Information

The personal information you provide us may be used for a number of purposes connected with our business operations (in accordance with the Digital Personal Data Protection Bill, 2022, Information Technology Act, 2000, The Indian Computer Emergency Response Team and the Manner of Performing

Functions and Duties Rules, 2013 and rules imposed by the Insurance Regulatory and Development Authority of India) which include without limitation:

Who your information may be shared with?

We may share your information with:


We would like to send you information about new services and offers which may be interesting to you. Such information could be sent by post, email, text message, or telephone. We will ask whether you would like us to send you marketing messages on the first occasion when you provide any relevant contact information.

Cookies and Similar Technologies

"Cookies"; are pieces of information that may be placed on your computer by a service for the purpose of facilitating and enhancing your communication and interaction with that service. Many services use cookies for these purposes. We may use cookies (and similar items such as clear gifs, web beacons, tags, etc.) on our Service to customize your visit and for other purposes to make your visit more convenient or to enable us to enhance our Service. We may also use and place cookies (and similar items) on your computer from our third-party service providers in connection with the Service, such as an analytics provider that helps us manage and analyze Service usage, as described more fully below. In addition, our advertisers and business partners may set cookies and similar items on your computer when you use our Service. You may stop or restrict the placement of cookies on your computer or flush them from your

browser by adjusting your web browser preferences, in which case you may still use our Service, but it may interfere with some of its functionality. Cookies and similar items are not used by us to automatically retrieve personal data from your computer without your knowledge.

You should be able to control how and whether cookies will be accepted by your web browser. If you reject our cookies, many functions and conveniences of Platform may not work properly.

Reasons we can collect and use your personal information

We rely on the following as the lawful basis on which we collect and use your personal information:

Legitimate interests including information being used for marketing purposes while ensuring impact on the consumer is minimal.

Consequence of our use of your personal information

Consequences of using your personal information involve including but not limited to recommending changes to our Services to better suit your personal needs.

Keeping your information secure

We have appropriate security measures in place on our Websites, Portal and electronic devices to prevent personal information from being accidentally lost, used or accessed in an unauthorized way. Access will be limited to those who have a genuine business interest and/ or a need to know, and will only process your information in an authorized manner and they will be subject to a duty of confidentiality.

We also have procedures to deal with any suspected data security breach.  We will notify you and any applicable regulator of a suspected data security breach, as required by law. All reasonable efforts will be used to secure your personal data, however when using our services and the internet, you acknowledge the internet is not entirely secure, therefore, security of personal data cannot be guaranteed.

Governing Law

This Privacy Policy and our legal obligations hereunder are subject to the laws of India, regardless of your location. You hereby consent to the exclusive jurisdiction of and venue in the courts located in Hyderabad in all disputes arising out of or relating to your use of the Platform or the Services.

General Inquiries

Please contact us with any questions or comments about this Privacy Policy, transfer of your personal information, our privacy practices, or your consent choices by email at [].

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