Last Updated – 9th August-2023

Introduction

Go Digit General Insurance Limited (“Digit”) is committed to safeguarding the privacy and confidentiality of your Sensitive Personal Data or Information.

In the process of you using this Digit Insurance App or availing of the existing or future services or facility provided by the App, you may be required to furnish information, including Personal information and/or Sensitive Personal Information and/or any other information that is of a confidential nature. You are urged to keep the information current to ensure that the services and facility remain relevant and enable us to reach you.

Use/disclosure of your Personal Information and Sensitive Personal Data or Information

1. The Personal Information and Sensitive Personal Data or Information collected from you may be used by us for a number of lawful purposes connected with our business operations and functions, which include but are not limited to:

(i) Verification of your identity as per prevalent laws and regulation;

(ii) In the normal course of business to enforce the terms and conditions of products or services or Terms and Conditions

(iii) Dealing with requests, enquiries or complaints and other customer care related activities and all other general administrative and business purposes;

(iv) Customer analytics on usage pattern and delivering customized content and advertisements that may be relevant/of interest to you;

(v) Carrying out market and product analysis and marketing our companies’ products and services and communicate updates, offers and promotion;

(vi) Performance of outsourced non-core activities as defined under the IRDAI guidelines;

(vii) Sharing with reinsurers who may have offices located outside India

(viii) Address network integrity and security issues;

(ix) Carrying out any activity in connection with a legal, governmental or regulatory requirement, for the purpose of compliance of a legal obligation, in connection with legal proceedings, in connection with prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, protect and defend our rights or property or act in an emergency to protect safety or to help investigations, monitor or prevent or take action regarding unlawful and illegal activities/suspected fraud/potential threat to the safety or security of any person;

(x) Carrying out activities connected with the running of our business such as personnel training, quality control, network monitoring, testing and maintenance of computer and other systems and in connection with the transfer of any part of our business in respect of which you are a customer or a potential customer;

2. Disclosure of Personal Information and Sensitive Personal Data or Information

(i) The Company is authorised to and may share Personal Information and/or Sensitive Personal Data or Information for 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.

(ii) Towards this objective, the Company may be required to disclose your Personal Information to one or more Agents, Affiliates and/or contractors of Digit and their sub-contractors subject to necessary non-disclosure agreements.

(iii) You may inform us at any time not to share Your Personal Information with third parties by sending us an e-mail at care@godigit.com.

3. The Company will store small text files called Cookies in your device in order to enable various features of our applications. These are used to store user preferences and trends to improve user/viewer experience. You have the option to change your Browser settings to accept or not accept Cookies and depending on which you agree to our use of any information collected by us through that Cookie. Any such information collected will only be used for improving the App experience.

4. IP addresses help us customise your visit to our App since they are tied to personally identifiable information. We confirm that this information is not shared with third parties, for their promotional purposes, except as provided under Disclosure of Information clause. When you download or use our mobile apps, we also collect various device specific details like Device ID and Device Accounts including third-party accounts or MAC-address. This data is used to resolve technical difficulties and to provide you with the correct and most recent version of our mobile apps.

5. When you download or use our mobile apps, we may receive and upload/share information such as your phone number, email ID, your location and your mobile device, including a unique identifier for your device with our analytics tools. We may use this information to provide you with the required support in terms of buying our insurance products, use app-features, send timely reminders, push notifications, location-based services, such as advertising, search results, and other personalized content. Location services can be turned off using your mobile phone settings.

6. We are collecting the below information during the different steps in our App:

• Approximate Location & Precise Location - This is used to identify the user's location to provide the nearst cashless garages/hospitals and doctors available for consultation.
• SMS – This app is taking user permission to access SMS inbox of the mobile device to read the OTP triggered through SMS.
• Name & Address – This app is asking for the Name & Address of App user during the Policy buying journey, as it is mandatory to add the name and address for Policy creation.
• Health Info – This app is collecting the Health info of the user in the health insurance product journey to update the declarations by the user.
• Email Address - This app is using Email-IDs for sending email Communications related to the product purchases & other important information.
  
• Phone Number - This app is using Phone numbers for creating unique user IDs to avoid duplication, for sending the product purchases & other important information to the user. The phone number is shared with Adobe analytics (https://digitinsurance.sc.omtrdc.net) & Moengage marketing automation tool to personalize the experience.
• Permanent Account Number - This app is taking this data input to calculate the user's credit score. Basis the score, the specific discounts on the product are provided.
• User payment info - This app is not saving any user payment info.
• Files and docs - This is required to access and download the user's Policy documents and store in user's device.
• App interactions - This information is used to track the user activity within the App and share the activity data to App analytics tools.
• Installed Apps - This information is used to check the UPI payments app in user's device and suggest payment options to ther user for a smooth payment experience.
• Device ID - Storing the Device ID to remove the creation of duplicate users and avoid any frauds.
• Audio, Photos & Videos - This app may require your Audio, Video recording or Photos to finish the verification process.
• Health Info - This app is taking user health info in the product journeys to provide the pricing and other relevant info.
• Account Deletion - You may inform us at any time to delete Your Personal Information by sending us an e-mail at care@godigit.com, with subject line as Delete Personal Information <> Your name. The concerned account will be deleted within 15 working days.

7. Information, content and materials provided on this App are on an “As Is” basis and Digit does not make any express or implied representation or warranty regarding the accuracy or completeness of the same.

8. Purposes

Your information may be collected, used and disclosed for the following purposes:

• To communicate with You in accordance with applicable laws
• To verify Your identity
• To develop new and improve existing products and services
• To respond to Your inquiries and comments
• To prevent fraud and abuse of the Service
• To understand Our user base and effectiveness of the Service
• To administer, operate and improve the Service and for internal business purposes
• To compile aggregated data, perform statistical analyses and otherwise analyse Our business for internal and external business purposes
• To compile aggregated data, including personal information about You in some cases, to create market research reports and data sets as part of Our suite of products that We create for external business purposes
• To fulfill any other purpose or accessing any in-app feature for which you provide express consent

 

9. When a user is logging in through Google, the following information is collected and used:

• First Name & Last Name, Email ID, Gender, Date of Birth, Profile Picture
• The user's Google account is used for authentication purposes and basic user information like Mail-id, gender, dob , profile picture, first name and last name.
• Google email ID is used for user account management in the application
• Digit does not shares user information to third party
• Digit has implemented security measures to protect the user data, including information obtained through Google Sign-In.
• Users can revoke permissions granted through Google Sign-In using logout option in app.
• User has to send mail to “hello@godigit.com” to remove the data from our systems. 

10. Information security

Digit takes reasonable precautions to protect the App and our Users information from unauthorized access to or unauthorized alteration, disclosure or destruction of information We hold. We maintain information pertaining to you in our business records as per current regulatory requirements. Digit shall retain your personal Information for as long as required to provide you with services or otherwise required under the law.

11. Contact

In case you require any further clarifications on the content of this policy or terms of use, please contact:

Go Digit General Insurance Limited (formerly known as Oben General Insurance Limited)

94-95, 4^th B Cross Rd,

Koramangala Industrial Layout,

Koramangala, Bengaluru,

Karnataka 560034

Email – digit.licensing@gmail.com