|By using the website and/or registering yourself at PolicyBazaar.com you authorize us, our affiliates & our associate partners to contact you via email or phone call or sms and offer you their services for the product you have opted for, imparting product knowledge, offer promotional offers running on website & offers offered by the associated third parties, for which reasons, as well as web aggregation, personally identifiable information may be collected as detailed below. And Irrespective of the fact if also you have registered yourself under DND or DNC or NCPR service, you still authorize us to give you a call from the PolicyBazaar & associate partners for the above mentioned purposes till 45 days of your registration with us.|
|PolicyBazaar collects personally identifiable information when you register for a PolicyBazaar account, when you use certain PolicyBazaar products or services, when you visit PolicyBazaar pages, and when you enter promotions or sweepstakes. PolicyBazaar may also receive personally identifiable information from our business partners.|
|When you register with PolicyBazaar, we ask for your first name, last name, state, city, email, birth date, and gender. Once you register with PolicyBazaar and sign in to our services, you are not anonymous to us.|
|Also during registration, you may be requested to register your mobile phone and email id, pager, or other device to receive text messages, notifications, and other services to your wireless device. By registration you authorize us to send sms/email alerts to you for your login details and any other service requirements or some advertising messages/emails from us.|
|Information Sharing and Disclosure
"If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any PII that we have collected about you, please e-mail your request to firstname.lastname@example.org."
|Third Party Advertising
We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Web site. These companies may use information (excluding your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you.
"We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major websites. No personally identifiable information is collected or used in this process. They do not know the name, phone number, address, email address, or any personally identifying information about the user."
"If you would like more information about this practice and to know your choices about not having this anonymous information used by our third party service provider, please click http://www.networkadvertising.org/managing/opt_out.asp. You can also read more about online marketing practices and the technologies that support them by visiting the Network Advertising Initiative,s website by clicking http://www.networkadvertising.org/."
We strictly follow the norms of non disclosure agreement. It is our endeavor to ensure that the websites linked to us are safe and secure. However we have no control over 3rd party websites. Given our legal responsibilities to legal authorities and regulators, there may be situations when we need to share your information with legal authorities or processes or need to protect our right or comply by terms and conditions.
There might be affiliates or other sites linked to our web site. Personal information that you provide to those sites are not our property. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information.
Life Insurance - AEGON Religare Life Insurance Company Limited., Aviva Life Insurance Company India Limited, Bajaj Allianz Life Insurance Company Limited, Bharti AXA Life Insurance Company Ltd., Birla Sun Life Insurance Co. Ltd , Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd., DLF Pramerica Life Insurance Co. Ltd., Future Generali India Life Insurance Company Limited, HDFC Standard Life Insurance Co. Ltd , ICICI Prudential Life Insurance Co. Ltd , IDBI Fortis Life Insurance Company Ltd., IndiaFirst Life Insurance Company Limited, ING Vysya Life Insurance Company Ltd., Kotak Mahindra Old Mutual Life Insurance Limited, Life Insurance Corporation of India, Max New York Life Insurance Co. Ltd, Met Life India Insurance Company Ltd., Reliance Life Insurance Company Limited., Sahara India Life Insurance Co, Ltd., SBI Life Insurance Co. Ltd, Shriram Life Insurance Co, Ltd., Star Union Dai-ichi Life Insurance Co. Ltd., Tata AIG Life Insurance Company Limited.
|General Insurance - Apollo Munich Health Insurance Company Limited, Bajaj Allianz General Insurance Co. Ltd., Bharti AXA General Insurance Company Limited, Cholamandalam MS General Insurance Co. Ltd., Future Generali India Insurance Company Limited, HDFC ERGO General Insurance Co. Ltd., ICICI Lombard General Insurance Co. Ltd., IFFCO Tokio General Insurance Co. Ltd., L&T General Insurance Company Limited, Max Bupa Health Insurance Company Ltd., National Insurance Co. Ltd., Raheja QBE General Insurance Company Limited, Reliance General Insurance Co. Ltd., Royal Sundaram Alliance Insurance Co. Ltd., SBI General Insurance Company Limited, Shriram General Insurance Company Limited., Star Health and Allied Insurance Company Limited, Tata AIG General Insurance Co. Ltd., The New India Assurance Co. Ltd., The Oriental Insurance Co. Ltd., United India Insurance Co. Ltd., Universal Sompo General Insurance Co. Ltd.|
|Loans and Credit Cards - Axis Bank, Bajaj Finserve, Citibank N.A., Fullerton India, HDFC Bank, ICICI Bank, Indus Ind Bank, ING Vysya Bank, Kotak Mahindra Bank, Standard Chartered Bank.|
|Visitors to this website/portal and every third party is hereby informed that the owners of this website/portal, viz., eTechaces Marketing and Consulting Pvt Ltd., are not the agents or intermediaries of the insurers, whose products are dealt with in this website/portal. They are also not the sub-agents or sub-intermediaries of the agents and intermediaries of the respective insurers. Though endeavour is made to make correct policy/product comparisons, quotes, features, etc., based on the information provided by the insurers or its agents or intermediaries, it is made abundantly clear that eTechaces Marketing and Consulting Pvt Ltd., its directors, shareholders, officers and employees and Policybazaar.com are in no way responsible to or liable for any one for his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.
Not-withstanding anything mentioned before, we reserve the right to contact you via any mechanisms, not limited to email, sms, or phone calls, to solicit feedback of your experience and to provide any additional services that you would be eligible for, either as a customer or as a visitor. We should not be held liable for any damages occurring to you as part of feedback solicitation and additional service provision.
"Whether you want your web browser to accept cookies or not is up to you. If you haven\'t changed your computer\'s settings, most likely your browser already accepts cookies. If you choose to decline cookies, you may not be able to fully experience all features of the website. You can also delete your browser cookies of disable them entirely. But this may significantly impact your experience with our website and may make parts of our website non functional or inaccessible. We recommend that you leave them turned on."
INTELLECTUAL PROPERTY RIGHT POLICY AND MANAGEMENT (IP POLICY)- 2015
ETECHACES MARKETING AND CONSULTING PRIVATE LIMITED (the "Company") has an efficient Intellectual Property Policy and Intellectual Property Management guidelines (Collectively referred to as "IP Policy", hereinafter) in place basically to maintain absolute clarity on IPR related issues such as ownership, rights and obligation of employees and Company, rights and obligation of customers and Company, disclosure of work/ invention, non-disclosure of confidential information, liabilities in case of misappropriation of IP or resolution of IP related disputes strategically.
Intellectual property (IP) is one of our most valuable assets. We rely on various types of intellectual property (such as trademarks, patents, copyrights, trade secrets, domain names, design rights) for our success in the market. IP helps us stay competitive, allows us to fund future successes, and supports each of our jobs at the Company. The Company has a consistent policy of identification of Company's intangible assets, prioritizing them according to Company's business plans, registering, exploiting and safeguarding them in order to benefit fully from IP in terms of revenue, reputation and market share. The Company's IP Policy also envisages protection and management of its own IP well, internally and with it's business partners. We also want to respect the IP of others as we develop our products and services, run our business, and work with business partners.
For clarifications, the term Company wherever used under this IP policy, shall include its Subsidiaries and Affiliates.
The Company has adopted this Policy in order to protect its own IP and minimize the possibility of infringement of Intellectual Property rights of the Company and the third Parties. This IP Policy aims to provide transparent administrative system for the ownership, control and transfer of the IP created and owned by the Company.
This IP Policy is applicable to all the employees, representatives and agents of the Company including its Subsidiaries and Affiliates.
POLICIES, PROCEDURES, AND RECORDS
- Company shall respect intellectual property (IP) and conduct its business in compliance with the IP-related laws as applicable in the jurisdiction of Republic of India and its agreements with other companies.
- Company shall actively protect its own IP.
- Company shall maintain an effective system of IP asset management, including maintaining an inventory and records of IP-related assets and agreements.
- Company shall not knowingly infringe a third party's intellectual property in its products, services, or components, or disclose or use a third party's trade secrets without the express or implied consent of the owner or as permitted by law.
- Company shall not knowingly purchase or use counterfeit or other infringing goods and services in running its business, including counterfeit trademark goods or infringing copyright material (such as software, publications, video, audio, or other content).
- Company shall document and maintain written records of all substantial transactions and uses that involve the exercise of IP rights. (This includes, for example, licenses or assignments of rights; manufacture, reproduction or distribution of patented, trademarked or copyrighted items; and disclosure and use of trade secrets.)
- Company shall require, through binding policies or agreements with employees and contractors that its personnel comply with the applicable IP laws and the Company's IP policies and IP-related provisions in agreements with other companies.
- Company shall develop and implement a management system to help ensure that all personnel follow its IP policies. This management system shall encompass all IP-related policies, procedures and adequate and accurate records necessary to implement, measure, and improve Company's IP protection and compliance program.
IP COMPLIANCE TEAM
Company's IP protection and management shall be implemented through a cross-functional compliance team, overseen by a Director or CFO of the Company or designated senior management. The said compliance team may appoint or engage any advocate or expert from within and/or outside the Company to seek their opinion in carrying out their responsibilities as stated under this IP Policy.
SCOPE AND QUALITY OF RISK ASSESSMENT
Company shall include in its risk assessment of new products, services, and business opportunities, any relevant IP protection risks.
MANAGEMENT OF BUSINESS PARTNERS:
- Company shall require its business partners to conduct their arrangements with the Company in accordance with Company's relevant IP protection policies.
- Company shall conduct initial risk assessment and due diligence on all prospective business partners, which shall include an assessment of such companies' IP protection and management.
SECURITY AND CONFIDENTIALITY MANAGEMENT
- Company shall maintain physical security designed to effectively protect trade secrets(where applicable) and other confidential information, and IP-related records, masters, tools, inventory and related materials.
- Company shall maintain computer and network security effective for protecting trade secrets, other confidential and proprietary information, and IP related records, and for discouraging violations of Company's IP policies on the Company's computers and networks.
- Company and its personnel shall only make trade secrets and other proprietary information available to third parties on a "need to know" basis, and subject to company procedures and written agreements containing adequate confidentiality and other protections.
- Company shall execute written confidential or Non-disclosure agreements with third parties prior to disclosure of any confidential information of the Company to any third party (ies).
- Any IP generated, created or developed by any of the employees/representatives and agents of the Company and/or consultants engaged by the Company, during the term of their employment or engagement as the case may be, for and/or on behalf of the Company, shall be "work made for hire" and shall be assigned by such persons to the Company. Further, the Company shall have the sole and exclusive ownership to such IP generated, developed or created unless otherwise agreed by the Company by way of a written contract or as may be applicable by the relevant IP law.
TRAINING AND CAPACITY BUILDING
- Company shall provide ongoing appropriate level training on IP protection and management to all relevant personnel.
- Company shall provide specialized training to those personnel responsible for the development and implementation of the IP protection, management, and compliance program.
- Company shall provide appropriate level training on IP protection and management for relevant supply chain members.
MONITORING AND MEASUREMENT
- Company shall establish and operate a system to monitor its performance in meeting the Company's relevant IP policies.
- Company shall incorporate the information gained from the IP compliance team through the monitoring system into the overall evaluation of its departments.
CORRECTIVE ACTIONS AND IMPROVEMENTS:
- Company shall maintain a system to track and deal with problems in IP protection, management and compliance found through the monitoring process. The tracking system will identify the corrective action to be taken, the timeline, and the responsible party.
- Company shall develop and implement an annual or other regular improvement plan for IP protection, management, and compliance.
- In case of violation/infringement of any IPR such as trademark infringement by any employee/representative or any third party infringing upon the IPR of the Company, the Compliance Team of the Company would first investigate the matter in association with its Advocates and make recommendations to the Director/CFO for resolution of such violation/infringement including need for any legal course of action.
IP Licensing and Transfer
- The Company may license its IP to any of its Subsidiaries, Affiliates or a third party (ies) through various modes of licensing strategy such as: Exclusive licensing, Sole licensing, Non-Exclusive Licensing, Sub-licensing and licensing in general. The Company shall document such IP licensing through a license Agreement where each such license agreement shall define the terms and conditions for the proper use of IP of the Company.
- The Company may transfer its IP to any of its Subsidiaries, Affiliates or a third party (ies) through a signed IP transfer agreement on the conditions as may be deemed to be fit and proper to the Company.
This Policy shall be governed by the laws of Republic of India and the courts at Gurgaon, Haryana shall have the jurisdiction to the same.