Privacy Policy

Personal Data

The word "data" used here means personal information about you, such as your name, birth date, e-mail ID address or mailing address, contact details (phone number or mobile number), Aadhaar Number and any other information that is capable of being identified with you personally. Please note that only information that you give us voluntarily will be used on our USGI PULZ. This includes your individual information you voluntarily provide on our USGI PULZ. You may choose not to fill out all of the information on a form. Most registration forms require only your name, phone no. and e-mail address. Please note that Company does not collect or retain any identifying information about you when you use the search features.

Use of Personal Data Collected Through the USGI PULZ

We use the personal data to allow you to access specific account information. We may use the information provided by you to customize your visit to USGI PULZ by displaying appropriate content at our judgment and discretion.

We may use your data to send you information about products and services offered by us, to contact you for policy reminder notices, claims processing and to keep you updated on the insurance sector and the Company. We may use the data to contact you for policy reminder notices, claims processing and to keep you updated on information.

Anonymous Data

At times, Company may use technology to collect anonymous information about the use of our USGI PULZ. For example, we may use technology to track how many visitors access our USGI PULZ, the date and time of their visit, the length of their stay, and which pages they view. The technology we adopt will not identify you personally. It will only enable us to compile statistics about visitors and their use of the USGI PULZ. The Company and its affiliates may use this anonymous data and share it with third parties to improve the content and functionality of our USGI PULZ, to better understand our customers and markets, and to improve our products and services.

Cookies

We store cookies on your computer when you visit our USGI PULZ. A cookie is a small text file that is stored on users’ computer for record-keeping purposes. The primary purpose of these cookies is to study how you navigate within the USGI PULZ. Cookies allow you to view customized pages while transacting with us. Our cookies do not collect or store confidential or personally identifiable information. As such cookies are required if you want to buy a policy online from us. We also use analytic tools to track visitor traffic on USGI PULZ. Some of our business partners such as chat support use cookies on our site. We have no access to or control over these cookies.

This privacy statement covers the use of cookies by www.universalsompo.com only and does not cover the use of cookies by any third parties.

Disclosure of Your Personal Data

Company may share some or all of the personal data collected through this USGI PULZ with our affiliates, who use this data in accordance with this Privacy Policy. Company or its affiliates may share personal data collected through its USGI PULZ with third-party vendors who act for or on behalf of Company or its affiliates (for example, companies that provide support services to us, including data processing services, or that help us market our products and services). These companies may need information about you in order to perform their functions. These companies are not authorized to use the information we share with them for any other purpose. In addition, there may be some other, limited circumstances in which Company or our affiliates may share or transfer the personal data in our databases, for example, to comply with a legal requirement, for the administration of justice, to protect your vital interests, or in the event of a corporate sale, merger, reorganization, dissolution, or similar event.

The Company undertakes not to disclose, except as otherwise provided, your personal information provided by you to any person, unless such action is necessary to:

  • Conform to legal requirements or comply with legal process.
  • Protect and defend the Company’s or its affiliates' rights, interests or property,
  • Enforce the terms and conditions of the products or services or terms of use, or
  • Act to protect the interests of the Company, its affiliates, or its members, constituents or of other persons.

This privacy policy applies only to Company's USGI PULZ. We urge you to review the privacy policy posted on any site you visit before using the site or providing any personal data about yourself.

Reasonable Security Practices and Procedures

In accordance with the Information Technology Act 2000, Information Security Rules 2011, we adhere to reasonable security practices and procedures. These measures ensure the protection of your personal data against unauthorized access, disclosure, alteration, and destruction.

Retention Policy

Our data retention policy ensures that personal data is retained only as long as necessary to fulfil the purposes for which it was collected or as required by law. We regularly review our data retention practices ensuring compliance with applicable regulations and to protect your privacy.

Governing Law

This application is created and maintained by The privacy policy herein forms part and parcel of the USGI PULZ Terms and Conditions and as such shall be governed by and construed in accordance with the laws of India and the courts at Mumbai have exclusive jurisdiction over all matters.

Acceptance of These Terms and Conditions

By accessing this application and using its content, you acknowledge and agree that you have read and understood the following terms of use and you agree to be bound by them. Please note that you may not use the application, if you do not agree with these terms of use.

Questions and Changes to Policy

Any questions about this privacy policy or concerns about the way Company processes your personal data, please contact us. The Company is continually improving and adding new functionality and features to its USGI PULZ besides its existing products, services, and programs. Due to these ongoing changes, changes in the law and the evolving nature of technology, Company's data practices will change from time to time. When data practices change, Company will post the changes on its USGI PULZ to notify you. We encourage you to check this page frequently.

Terms of Use

Introduction

This USGI PULZ is created and maintained by Universal Sompo General Insurance Company Limited (“Company”) to provide information to and communicate better with general public interested in Information about Company and the products and services it offers. Your use of this USGI PULZ is subject to compliance with these terms and conditions.

Acceptance of These Terms and Conditions

By accessing this USGI PULZ and using its content, you acknowledge and agree that you have read and understood the following terms of use and you agree to be bound by them. Please note that you may not use the USGI PULZ, if you do not agree with these terms of use.

Use of Content

The content is available for informational purposes only. The posting of content and access to this USGI PULZ does not render, either explicitly or implicitly, any provision of services or products by us. Information concerning financial products or services is only available through the Company.

Change in Terms and Conditions

The Company reserves the right to update or modify these terms and conditions at any time without prior notice. Your use of this web site following any such change constitutes your agreement to follow and be bound by the terms and conditions as changed. For this reason, we encourage you to review these terms and conditions every time you use this web site.

Copyright Notice and Limited License

All content, including data, information of any kind and business details of this USGI PULZ is protected by copyright with all rights reserved. All rights in the pages, site content and arrangement are owned by Universal Sompo General Insurance Company Ltd. or its affiliated companies. You are prohibited from copying, modifying, displaying, distributing, transmitting, redelivering through the use of "framing" technology, publishing, selling, licensing, creating derivative works or using any site content for any purpose without the prior written approval of the Company.

A visitor may download, store, print, and copy selected portions of the Content of this site, provided:

  • Conform to legal requirements or comply with legal process.
  • Protect and defend the Company’s or its affiliates' rights, interests or property,
  • Enforce the terms and conditions of the products or services or terms of use, or
  • Act to protect the interests of the Company, its affiliates, or its members, constituents or of other persons.

No right, title or interest in the content is transferred to any party from this site.

The Company reserves and retains all intellectual property rights in any Content you download from this site.

Except as expressly stated above, no other permission or allowance is made to any visitor on the USGI PULZ without first obtaining written permission from Company.

Third Party Linkages

For your convenience and ease of use there may be hyperlinks or referenced USGI PULZ on the Universal Sompo General Insurance Company Ltd. Which generally are recognised by their top-level domain name. Their content has not been investigated or analysed by us, and we do not warrant the adequacy, accuracy, reliability or completeness of any information on hyperlinked or referenced USGI PULZ and expressly disclaim any liability for any and all of their content. If you are directed to any outside USGI PULZ, we shall not be responsible for the use thereof and you may be governed by the terms of those USGI PULZ.

Warranty

All content on this USGI PULZ, including but not limited to graphics, text and hyperlinks or references to other sites, is provided "as is" basis and without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or other harmful components. Further the Company does not warrant the adequacy, accuracy, reliability or completeness of any information on the USGI PULZ and expressly disclaim any liability for errors or omissions therein. We do not warrant that the functions of the USGI PULZ will be uninterrupted and/or error-free, that defects will be corrected.

Limitation of Liability

Please note that your use of this USGI PULZ is at your sole risk and under no circumstances, shall the Company, its affiliates or any of their associates, respective directors, officers, employees, or agents, be liable for any direct or indirect losses or damages arising out of or in connection with your use of or inability to use this web site or your reliance on any information provided on this web site. This is a comprehensive limitation of liability that applies to all losses and damages of any kind whatsoever, whether direct or indirect, general, special, incidental, consequential, exemplary or otherwise, including without limitation, loss of data, revenue or profits. This limitation of liability applies whether the alleged liability is based on contract, negligence, tort, strict liability or any other basis and even if an authorized representative of company or its affiliates has been advised of or should have known of the possibility of such damages.

Severability

In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes close to the intention underlying the unenforceable provision.

Governing Law and Jurisdiction

The Terms and Conditions herein shall be governed by and construed in accordance with the laws of India. The courts at Mumbai shall have exclusive jurisdiction over all matters arising from or related to these terms of use or use of the USGI PULZ.

Mobility
  • Read external storage: Our app requires reading permission of external storage in order to get policy related images, files and documents from user’s device.
  • Write external storage: This permission in our app is required to download and save user’s policy documents on their mobile devices.
  • Camera: App requires this permission to capture/click images for uploading profile image and documents in the KYC Docs module.
  • Call phone: This will help user to enable in-app calling functionality to reach in case of an emergency and contacting us.
  • Access fine location: This service will help users to avail nearby list of network garages and service providers on Google maps in the USGI PULZ app.
  • Receive and read SMS: This permission is required for receiving OTP for user verification.
  • Internet:This permission is required for checking internet connectivity in case of slow internet connections.
Applicable to Customers Who Purchase Health Insurance and Opt for Fitbit Sync Subscription

Our app offers voluntary integration with Fit bit to help users track their health and lead a healthier lifestyle. As a health insurance provider, we aim to support our customers in maintaining their well-being.

Customers who purchase our health insurance and opt for the add-on subscription to sync Fitbit data with our application will be subject to the same privacy and data protection measures.

Customer Consent

By using our services, you consent to the privacy policy of our website and application.

User Data and Privacy
  • The integration with Fit bit is entirely optional. Users can choose to connect their Fit bit device to the app to monitor their health data, such as physical activity, heart rate, and other fitness metrics.
  • The data collected from Fit bit is used solely to help users track their health progress and make informed decisions about their lifestyle.
  • We are committed to maintaining the privacy and security of all user health data. Your health information will never be misused or shared outside the scope of your direct usage with the app.
  • All health data collected via Fit bit integration is encrypted and stored in compliance with data privacy laws, including applicable regulations on health data protection.
Data Use
  • The data collected from Fit bit is used exclusively to provide personalized insights, wellness recommendations, and support for your health insurance plan.
  • We do not use this data for marketing purposes, and it will not be sold or shared with third parties without your explicit consent.
  • When you consent to sync your Fitbit data, we will capture your email address linked with the Google account associated with Fitbit. The data captured by Fitbit (including but not limited to steps, calories) will be shared with us to serve the benefit at the time of renewal. This data will not be used for any research purposes.
Third-Party Sharing
  • We may share the data with third-party vendors to serve you better. These vendors are bound by strict confidentiality agreements and are required to comply with our privacy and data protection standards.
Your Rights
  • You have full control over your Fit bit integration. You can disconnect the device at any time through the app, and any associated data will be deleted upon disconnection.
  • You can also request a copy of your data or delete it from our system at any time.

By using the Fit bit integration, you consent to the collection and use of your health data for the purpose of helping you lead a healthier lifestyle and supporting your health insurance plan. We take your privacy seriously and are committed to protecting your health data.