Privacy Policy

Welcome to Altius Tech Insurance Brokers Private Ltd, our parent company and affiliates (collectively, “Policyfest”, “we”, “us” and/or “our”). We own and operate the website: www.policyfest.com (the “Site”), which offers online insurance quote comparison other related services (the “Services”). We take your privacy seriously.

This Privacy Policy describes our personal information processing practices in relation to you and your personal information as well as the types of personal information we, may collect from or about you when you visit, access or use our Site or the Services. The Privacy Policy also describes how we use, maintain, store and disclose personal information. Please take a moment to familiarize yourself with this Privacy Policy before accessing or using our Site or Services.

By accessing or using our Site or Services, you signify your acceptance of this Privacy Policy and agree to be bound by its terms, including with respect to the collection, use, disclosure, storage and other processing of your personal information as described by this Privacy Policy. You can withdraw your consent at any time, however, if you choose to do so, we may not be able to provide you with the access to or use of the Site or the Services.

Revisions to this Privacy Policy

This Privacy Policy may be revised by policyfest.com at any time to reflect changes in our business operations, our legal or regulatory requirements or in the way in which we deal with your personal information. We will post any revised version of this Privacy Policy on our Site. The date on which the latest update was made is indicated at the bottom of this Privacy Policy.

If we make any material changes, we will notify you as required by law, but encourage you to check back often for updates. Your continued use of the Site and Services after an update or amendment to this Privacy Policy means that you consent to the collection, use, maintenance, storage, disclosure and other processing of your personal information as described in the updated version of the Privacy Policy. If any amendment or modification is unacceptable to you, you must cease using this Site and Services.

This Privacy Policy governs the manner in which policyfest collects, uses, maintains and discloses information collected from users (each, a “User”) of the http://www.policyfest.com website (‘Site’). This privacy policy applies to the Site and all products and services offered by policyfest.com

Personal identification information

We may collect personal identification information in respect of the individuals with whom we interact Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, create a quote, an proposal, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number, credit card information, demographic information, such as your age, date of birth, citizenship/residency status, marital status and gender.

Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

How we use your personal information

We may use your personal information:

  • as permitted or required by applicable law or regulatory requirements;
  • for the purposes described in this Privacy Policy;
  • for any additional purposes for which we have obtained your consent.

We may use your personal information without your knowledge or consent where we are permitted or required by applicable law or regulatory requirements to do so.

Transactional Communications

We provide notifications for certain activities relating to your use of our Site and Services. Examples of transaction communications we may send include sending you emails and SMS messages when you create an account, set/change your password, select insurance quotes, complete an online insurance application, schedule a call with us, or when we provide you with any updates on your ongoing quotes and applications. In addition, we may send you an access code to your mobile number registered with us to help you complete certain actions like login, change password, or reset a forgotten password. When you sign up for an account with us, we request you to set a password for the account. When you attempt to set your password for your account for the first time or request a password reset, we will send you a one-time access code through an SMS message to confirm your identity. You can also choose to log in to your account at any time by requesting a one-time access code which will be sent to your phone number through an SMS. The access code will be sent to the phone number you used at the time of signing up. You can then use the access code to set or reset your password or log in to your account.

By signing up to your account and/or by submitting your contact information, you are consenting to be contacted by us or one of our representatives or affiliates by telephone, text message, email, fax, telephone or any means. We may use your e-mail address, phone number or other PII (a) to contact you for administrative purposes such as customer service, (b) to address intellectual property, right of privacy or defamation issues related to content you have posted on the Services, and/or (c) to send you promotional materials, offers, and/or messages related to our Services and the activities of third parties we work with.

Marketing Communications

When you sign up to an account with us or use our Services or request for subscription to our newsletter, we will share with you articles, news, blogs, reports, surveys, survey findings, and offers regarding financial and consumer products accessible or available for purchase through our Site or other offers for products and services that we believe may be of interest to you. The marketing information shared may be in the form of a periodic newsletter sent over email.

If at any time you would like to unsubscribe from receiving future marketing emails, please contact wecare@policyfest.com and we will promptly remove you from our marketing correspondence lists. You can also opt-out of receiving marketing communications through unsubscribe links provided in the messages.

How We Share Your Information

Since our goal is to assist you assess your insurance needs and purchase the best and most suitable insurance policies for your needs, your personal information will be shared with insurers and management general agents for the purposes providing you with the use of our Services and the products and services you request from such third-parties.

We may also disclose your personal information to our affiliates and our respective employees, contractors, consultants, service providers and other parties who require such information to assist us with managing our relationship with you, including third-parties that provide services to us on or on our behalf. For example, and without limiting the foregoing, we may share personal information with the following third-parties:

  • insurers, for obtaining quotes, submitting and processing insurance applications
  • insurance and TPA service providers that assist insurers in completing medical and non-medical underwriting
  • operators of insurance industry databases, to verify your application information
  • service providers, to perform standard business functions on our behalf including those related to providing insurance quote information, hosting or developing and maintaining website functionality, conducting research and data analysis for us, managing client servicing and communication tools, and providing marketing, communication or other promotional assistance;
  • with corporate affiliates including any of our parent companies, subsidiaries, joint ventures, or other companies under common control with us;
  • with counterparties in the course of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of the Information may be part of the transferred assets; and
  • with any other persons for the purposes for which you have provided consent.

Your personal information may be disclosed:

  • for the purposes for which it was collected, as described in this Privacy Policy.
  • as permitted or required by applicable law or regulatory requirements.
  • to comply with valid legal processes such as search warrants, subpoenas or court orders; and
  • for any additional purposes for which you consent.

Sharing your personal information with insurers

if you choose to submit an application to an insurer (including by requesting that we submit an application on your behalf) through our Site or Services or through the insurer’s own website (or other electronic application), you may be asked to provide additional personal information when completing and submitting the application. In connection with the completion and submission of the application, you will be asked to agree to the insurer’s own terms, conditions, and policies with respect to the collection, use and disclosure of the personal information that is included in your application. In other words, the personal information that you submit to an insurer will be governed by the insurer’s privacy policy and we recommend that you review the insurer’s privacy policy before submitting an application. We do not send any information to an insurer until the application is complete and you authorize us to submit the application to the insurer on your behalf.

Sharing with third-party marketers

We will not share your personal information with any third-party marketers without your specific consent. However, we may share non-identifiable information, such as aggregate data and non-personal information (e.g., Site usage information), as described in this Privacy Policy, with third parties.

Disclosing or transferring your personal information outside Canada

Since we may share your personal information with third parties, as described in this Privacy Policy, your personal information may be collected, used, processed stored or disclosed outside your jurisdiction of residence, including in the India. As such, your personal information may potentially be accessible to law enforcement and national security authorities of another jurisdiction. If you would like further information about our policies and practices regarding third parties (including our service providers) with whom we disclose your personal information and how these parties collect, use, disclose and store personal information, please contact our Privacy Officer using the contact details below.

By providing your personal information to us, you consent to our disclosure of this information to our affiliates, employees, contractors, consultants, service providers and other third parties as described in this Privacy Policy, including those that may be located outside of your jurisdiction of residence, for the purposes of processing your personal information on our behalf, your behalf, providing services to us or to you, operating and hosting the Site and business and for the other purposes described in this Privacy Policy.

Your consent is important to us

It is important to us that we collect, use or disclose your personal information only when we have your consent to do so. Depending on the sensitivity of the personal information, your consent may be implied, deemed (using an opt-out mechanism) or express. We may collect, use or disclose your personal information without your knowledge or consent where we are permitted or required to do so by applicable law or regulatory requirements.

Typically, we will seek your consent at the time that we collect your personal information. In certain circumstances, your consent may be obtained after collection but prior to our use or disclosure of your personal information. If we plan to use or disclose your personal information for a purpose not previously

identified (either in this Privacy Policy or separately), we will endeavour to advise you of that purpose before such use or disclosure.

You may change or withdraw your consent at any time, subject to legal or contractual obligations and reasonable notice, by contacting our Privacy Officer using the contact information set out below. All communications with respect to such withdrawal or variation of consent should be in writing and addressed to our Privacy Officer. If you withdraw or vary your consent, we may not be able to provide you with the communications and/or services you request through our Site. For example, if you would like to receive our newsletter, but are not willing to provide your email address, we will not be able to fulfil your request.

Unless you advise us otherwise, through the access and use of our Site, services and communications, you have consented to the collection, use and disclosure of your personal information as explained in this Privacy Policy.

How We Protect Personal Information

We use reasonable physical, technical, and administrative security measures to protect personal information we collect from loss, misuse, unauthorized access, or improper disclosure. For example, we use encryption technologies when transmitting information to and from the Site and with our third-party service providers. Our Site is built on platforms that incorporate the latest encryption and security devices. Please understand that no security technology is completely secure, and remember that when communicating with us, email is not a secure form of communication when transmitting sensitive or personal information.

We use an Apache server with Secure Socket Layer protocol to secure your personal information in order to reduce the risks of theft, damage, loss of information, or unauthorized access, disclosure, modification or use of information. We will continue to evaluate and adopt new security tools as they become available. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Access to your personal information

You can ask to access the personal information that we have received from or possess about you. If you want to review, verify or correct your personal information, please contact our Privacy Officer. Please note that any such communication must be in writing.

When requesting access to your personal information, please note that we may request specific information from you to enable us to confirm your identity and right to access, as well as to search for and provide you with the personal information that we hold about you. We may charge you a fee to access your personal information; however, we will advise you of any fee in advance. If you require assistance in preparing your request, please contact our Privacy Officer.

Your right to access the personal information that we hold about you is not absolute. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the personal information that we hold about you. In addition, the personal information may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices. In the event that we cannot provide you with access to your personal information, we will endeavour to inform you of the reasons why, subject to any legal or regulatory restrictions.

Retention of personal information

We don’t keep your personal information forever. We keep your personal information as long as is reasonably necessary for us to complete our dealings with you, or as may be required by law, whichever is longer.

Testimonials

We may request a testimonial from you to comment on our Services. You acknowledge and agree that we may use any personal information contained in the testimonial to display the testimonial on our Site, related online and digital platforms and in our promotional materials. For clarity, when you provide us with

a testimonial through our Site or through a third-party website, such as Trustpilot and/or www.trustpilot.com, we may post it on our site or in other materials and media, along the personal information that you have included in the testimonial. If you would like the testimonial removed, please contact us at wecare@policyfest.com

Advertising

We may partner with third parties to display advertising on our Site or to manage our advertising on other sites, including ads pertaining to our clients’ products. Our third-party partners may use cookies or similar technologies in order to provide you advertising based upon your browsing activities and interests.

External Sites Links

Our Site may contain links to other websites that may be subject to less stringent privacy standards. These links are provided for your convenience only and you assume all risk for clicking these links to other websites. We cannot assume any responsibility for the privacy practices, policies or actions of the third parties that operate these websites. Policyfest not responsible for how such third parties collect, use or disclose your personal information. You should review the privacy policies of these websites before providing them with personal information.

Without limiting the generality of the foregoing, please note that certain insurers request that you submit an application through their website or electronic applications rather than through this Site. To the extent that you choose to submit any personal information through an insurer’s website or other electronic application, Policyfest is not responsible for the insurer’s collection, use or disclosure of the personal information you submit to the insurer. You should review the privacy policy applicable to the insurer’s website or electronic application before providing your personal information to them.

How You Can Request Changes to Your Data

It is important that the information contained in our records is both accurate and current. If your personal information happens to change during the course of our relationship, please keep us informed of such changes. While we make reasonable effort to make sure your data is correct and complete, you may reach out to us to request changes. A written request is required that provides details regarding your identification the correction being requested. We may not accommodate a request to change or delete information if we believe doing so would violate any law or legal requirement or cause the information to be incorrect.