By pursuing your navigation on our website, you allow us to place cookies on your device. These cookies are set in order to secure your browsing, improve your user experience and enable us to compile statistics For further information, please view our "privacy policy"
Your privacy is important to us and we want you to feel secure visiting our site (“SBI Life Website”). This privacy notice explains how and what type of personal data will be collected, processed and used during and following your visits to the SBI Life Website, why it is collected, with whom it is shared and your rights in this regard. Please read this notice carefully.
We are committed to protecting your privacy and taken reasonable steps to protect the confidentiality of the Personal Information you have provided us and its transmission through the Internet.
In the process of you using our Website or availing of the existing or future services or facilities provided by the Website, you may be required to furnish information, including Personal information and/or Sensitive Personal Information. You are urged to keep the information current to ensure that the services and facility remain relevant and reach you.
This privacy notice applies to any information obtained by SBI Life through your use of its Website. It does not apply to any websites controlled by third parties not affiliated with SBI Life that the website may link to ("Third Party Sites"). Please review the privacy statements of Third Party Sites as SBI Life is not responsible for and has no influence on the content or the privacy practices of Third Party Sites.
This statement and the policy outlined herein are not intended to and do not create any contractual or financial or any other legal rights in favour of any User or viewer or any other party.
By using any of the Services, You represent 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.
SBI Life collects information in one or more ways as mentioned below:
Information you give us: Some of the Services made available on the Website require registration 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 help us in personally identifying You. This information is necessary to initiate as well as continually use your online account. 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.
Information We get from your use of our Services on the Website: Visiting and using Services offered under the Website by SBI 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 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.
Depending on your relationship with us (for example, as a policyholder; insured person benefiting under another policyholder’s policy, or claimant; witness; broker or appointed representative; or other person providing services to our business or related to our business), Personal Information collected about you and your dependents may include:
General identification, personal and contact information: Your name; address; e-mail and telephone details; gender; occupation; avocation; marital status; family status; date of birth; passwords on our systems; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.
Identification numbers issued by government bodies or agencies: Aadhaar number; passport details; Permanent account number; or drivers or other identification number, as amended from time to time.
Financial information and account details: Payment card number; bank account or other financial account number and account details; credit history and credit score; assets; income; and other financial information.
Medical condition and health status: Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; and medical history.
Behaviour, Health and Lifestyle information: Through SBI Life products and its affiliations, we receive and store certain personally non-identifiable information. Such information is collected passively using various technologies. SBI Life may store such non-identifiable information itself or such information may be included in databases owned and maintained by SBI Life affiliates, agents or service providers. This Platform may use such information and pool it with other information to provide you customized offerings and services.
Other sensitive information: In certain cases, we may receive sensitive information about you for example, if you apply for insurance through a third party marketing partner that is a professional, trade, political, religious or community organization. In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud. We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).
Telephone recordings: Recording of telephone calls to our representatives and call centres.
Photographs and video recordings: Photographs or video recordings created in connection with our insurance or other business activities, including for claims assessment, processing, settlement, and disputes, or for other relevant purposes as permitted by law.
Information to investigate or prevent crime, including fraud and money laundering: For example, insurers commonly share information about their previous dealings with policyholders and claimants for this purpose.
Marketing preferences, customer feedback and survey responses: You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary survey.
Social media account and information from Apps: We may receive certain Personal Information about you when you use our Apps or Social Media Pages, including your social media account ID and profile picture. If you elect to connect any of your other social media accounts to your account(s) on the SBI Life Services, Personal Information from your other social media account(s) will be shared with us, which may include Personal Information that is part of you profile relating to those accounts or your friends’ profiles.
Information from Other Sources: We and our service providers may supplement the Personal Information we collect with information from other sources, such as publicly available information from social media services, commercially available sources and information from our affiliates or business partners.
Any information that we collect from you may be used for a variety of purposes including but not limited to the following:
We may also use your Personal Information for the purposes of providing you with any of your subscribed services and any service-related activities such as collecting subscription fees from you for those services, and notifying or contacting you regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose your Personal Information to one or more Advisors / Affiliates and contractors of SBI Life and their sub-contractors, but such Advisors, contractors, and sub-contractors will be required to agree to use the information obtained from us only for these purposes. You may inform us at any time not to share your Personal Information with third parties by writing to us at – info@sbilife.co.in
We will inform you where we require your consent to process your personal data. Otherwise, we will process your personal data to meet our legitimate business interests (including maintaining contact with, providing updates and information about SBI Life, organizing and hosting events, and conducting market research and analysis) or where it is needed to comply with a legal obligation. In addition, we may also process your personal data to enter into a contract with you, or to perform our obligations under an existing contract with you.
The Website does not collect any personally identifiable information (except in relation to online purchase) unless voluntarily provided by you, and SBI Life confirms that it shall not rent or sell any of your personally identifiable information. However, you would be required to provide personal information, including personally identifiable 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.
SBI Life undertakes not to disclose, or share to third parties except as otherwise provided, the Personal Information and Sensitive Personal Information provided by you to SBI Life, unless such action is necessary in the following cases:
SBI Life may also make Personal Information available to:
Our group companies
Other SBI group companies may have access to and use of Personal Information in connection with the conduct of our business where appropriate.
Other insurance and distribution parties
In the course of marketing and providing insurance and processing claims, SBI Life may make Personal Information available to third parties such as other insurers; reinsurers; insurance and reinsurance brokers and other intermediaries and agents; appointed representatives; authorised distributors; affinity marketing partners; and financial institutions, securities firms and other business partners.
Our service providers
External third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical and diagnostic service providers; call center service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that service our accounts; third-party claim administrators; document and records management providers; claim investigators and adjusters; examiners; jury consultants; translators; and similar third-party vendors and outsourced service providers that assist us in carrying out business activities, fraud investigation based on data analysis, etc.
Providers of Internet-connected devices and associated software
SBI Life may make the Personal Information you provide to us via our Apps available to providers of Internet-connected devices and/or associated operating systems and/or software as set forth in the terms of use and/or privacy policies you agree to with those providers
Governmental authorities and third parties involved in court action
SBI Life may also share Personal Information with governmental or other public authorities; and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of our group companies, you or others; and (g) to allow us to pursue available remedies or limit our damages.
Other Third Parties
SBI 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. SBI 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 SBI Life and its affiliates and/or other Users or to enforce the terms and conditions which are binding on all Users of the Website.
Your usage of the website would also imply your acceptance of the aforesaid terms.
Your personal data may be processed both inside and outside of the India’s geographic area by the parties specified above, subject always to contractual restrictions regarding confidentiality and security in line with applicable data protection laws and regulations. We will not disclose your personal data to parties who are not authorized to process them.
Whenever we transfer your personal data for processing outside of the India, we will do so on the basis of the binding agreements governed by SBI Life wherein we will take steps to ensure that the transfer of your personal data receives an adequate level of protection as it does within the organization.
Where permitted by applicable law or regulation, you have the right to:
If you provide Personal Information of beneficiaries/dependents/other individuals to SBI Life, you agree:
(a) to inform the individual about the content of this Privacy Policy, and any other applicable SBI Life Privacy Notice provided to you; and
(b) to obtain any legally-required consent of Personal Information about the individual in accordance with this Privacy Policy and other Privacy Notice.
We won’t keep your personal information for longer than is necessary for the purpose for which it was collected and only for as long as required or permitted by law and regulations.
We take appropriate steps to ensure that we process and retain information about you based on the following logic:
SBI Life retains the right to communicate with you (via e-mail, SMS, push notifications, postal service / courier or mobile messaging services or any other digital properties) when you have agreed to receive such communication or where operational or regulatory requirements require Us to do so. SBI Life further retains its right to communicate through third party vendors. You shall have the option to unsubscribe to receive such email communication.
The Website may amend or modify, this Privacy Policy including replacing this Privacy Policy with a new policy, at any time at the sole discretion of SBI Life. Notice of material changes to this Privacy Policy will be posted on the Website. 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. SBI Life shall not in any circumstance be held liable for such lapses on the part of the Users.
Information, content and materials provided on this Website are on an “As Is” basis and SBI Life does not make any express or implied representation or warranty regarding the accuracy or completeness of the same.
In case you require any further clarifications on the content of this policy or terms of use, please contact:
Data Protection Officer - SBI Life Insurance Company
Email : dpo@sbilife.co.in / Tel: +91- 22- 61910538
Grievance Office information / Details of Privacy SPOC / Generic email ID: info@sbilife.co.in
REGISTERED & CORPORATE OFFICE:
SBI Life Insurance Co. Ltd, Natraj, 2nd Floor, M.V. Road & Western Express Highway Junction, Andheri (East), Mumbai - 400 069
We undertake reasonable precautions to protect our Website and our User’s personally identifiable information like identity, address, demographic information, Aadhaar number, PAN and any other collected information, from unauthorised access to or unauthorised alteration, disclosure or destruction. In particular:
SBI Life also takes appropriate technical, physical, legal and organizational measures, which are consistent with applicable information security standards. If you feel that the security of any Personal Information you might have with us has been compromised or if you have other data security questions or concerns related to SBI Life, please notify us at the aforementioned address details or through email communication.
When SBI Life provides Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures reasonably designed to protect the confidentiality and security of the Personal Information.
If we believe the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavour to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.