Personal Data

The guest recognises that personal data as given to Cover-More India for the purpose of obtaining travel assistance & insurance services. For these purposes the guest authorises Cover-More India to retain such data and to transmit these to its own offices, other providers of such services, in whatever country they may be located.

Privacy and Security Policy

Maintaining the privacy of your information is important to Karvat Cover-More Assist Pvt. Ltd. ("Cover-More India"). This Privacy Policy describes Cover-More India’s current policy on how we collect and use the personally identifiable information ("PII") that you provide through Cover-More India website ('Website'). You should read the entire policy carefully. By continuing to use the Site and when you provide us information, you consent to the Privacy Policy. Occasionally, Cover-More India may revise this Privacy Policy to reflect changes in the law, Cover-More India’s privacy practices or the features on the Site. Any changes to our use of PII will be reflected in such revised privacy policy as posted on this Site along with new effective date. Therefore, you should review the Privacy Policy periodically to remain aware of Cover-More India’s current policies and practices.

Please note that this Privacy Policy is not a contract and does not create any legal rights or obligations.

What information do we collect?

The PII we collect through the Website about you may include, but may not limited to:

  • Your name, address, age, telephone numbers and fax numbers
  • Email address
  • Billing address
  • Passport number, nationality

We also collect non-PII as described below:

Online Purchases

You provide PII such as name, address, email address and telephone number to us in order to complete the transaction.

Surveys

Cover-More India may occasionally sponsor optional customer surveys to improve our services. In the surveys, you provide PII and answers to survey questions, both of which we may combine with data collected by cookies and through other means specified in this policy.

Automatic Collection

When you use the Cover-More India site our servers may automatically collect non-PII as you browse our Site. This non-PII may include your internet protocol (IP) address, IP address of your referral site, country, language, browser type, domain name, access time and duration of your session.

How do we use the PII you provide?

Cover-More India uses PII collected in conjunction with registration or purchases on our Site to complete transactions, to facilitate, payment card verification & screening (through our partner payment gateways) and to otherwise fulfil requests for services. We also use your PII to provide you with a more effective customer experience. In order to do this, Cover-More India may process your PII or combine it with other information that we collect or that is publicly available.

Partners, Subsidiaries and Third Parties

Cover-More India may share your PII with our partners and wholly-owned subsidiaries of Cover-More India. From time to time, we may engage third parties to process your PII on our behalf. We may also share your PII for the purpose of providing you with services, information or promotional opportunities that may be of interest to you.

When you purchase travel assistance & insurance through Cover-More India that are to be provided by another party (for example, underwriters, third party assistance providers etc.), we may be required to share your PII with such third parties so that the third party can provide the services or products you requested. We may also receive PII about you from third-party providers. We make no warranty, express, implied, or otherwise as to the privacy and data security practices of the third parties referenced in this paragraph.

Emails

Cover-More India uses email addresses to deliver information relevant to our customers. The following are some examples of information or services we provide via email: Service confirmation mailer, Certificate of Insurance, policy wordings, introduction of new Cover-More India features, Cover-More India partner communications, Cover-More India partner promotions, special promotions for Cover-More India customers, important travel protection related information and updates and surveys. We may also contact you via email for a number of other administrative and marketing purposes. As a Cover-More India customer, enrol in a contest or promotion, survey participant or purchaser of travel assistance including insurance on our Site, you occasionally may receive emails about, without limitation, special offers, new services and other noteworthy news items. Any promotional email sent to you by Cover-More India also contains a link allowing you to opt-out of any future emails.

Contact Centre

The contact centre numbers currently provided on the Website or travel assistance & insurance certificate may use your PII to contact you for a number of administrative and marketing purposes including, without limitation for the purposes of special offers and concessions, new services and other noteworthy news items.

Browser Push Notifications

  • By subscribing to push notifications, customer agrees to receive Cover-More India promotions as browser push notifications.
  • User can unsubscribe from push notifications anytime, simply by unsubscribing from push notifications from Cover-More India on his device settings.
  • Cover-More India only stores unique subscription id generated while subscribing to push notifications of Cover-More India. When unsubscribed on device, this subscription id will be no longer valid and cannot be used to deliver push notifications.

Surveys

Cover-More India may use PII as well as the answers you provide to survey questions in combination with information collected from cookies and through other means specified in this policy to improve our services to you. We may contract with third parties to perform surveys. We may use PII that you provide in filling out any surveys to send you information about, without limitation, contests or promotions and other information we feel may be of interest to you. We may also use PII derived from surveys in any of the other ways described by this Privacy Policy.

Contests and Promotions

Cover-More India uses PII you provide us in connection with any contest or promotion to notify you if you are a winner and to send you information about, without limitation, future contests and promotions and other information, which, we feel, may be of interest to you. We may also use PII derived from contests or promotions in any of the other ways described by this Privacy Policy.

Cookies

Cookies help establish a user session and allow our server to correctly provide Site users with the appropriate information, advertisements and services. We also use cookies to ensure that you obtain the information you request and to authenticate your authority to access the Site. We also use cookies to track the usage of our Site in order to improve the Site according to our customers' needs. Additionally, cookies allow us to pre-fill certain data fields with your information when you visit the Site to make a purchase, making the Site more convenient for you.

Cover-More India may enter into agreements with third parties to serve advertisements and information to Site users. Cover-More India may use its cookies when working with these companies to provide them information regarding use of the Site or to serve you advertisements when you visit our Site. These companies may use the non-PII about your visit to make available goods and services of interest to you.

In addition, some third-party advertising technology used by Cover-More India to deliver advertisements may employ a separate cookie. This technology uses non-PII about your visits to the Website and the websites upon which we advertise in order to serve ads to you. Web beacons on some pages of our Site, in conjunction with these advertising cookies, enable the third party advertising technology to recognize a cookie or cookies on your computer when you visit the Site, and to display advertisements that might be of interest to you when you visit the Site.

You may change the settings on your Internet browser to reject cookies at any time, but it will make your use of the Site less convenient.

Domain Names and Internet Protocol Addresses

We aggregate Non-PII such as domain names and IP addresses to measure the number of visits, average time spent on the Site, pages viewed and similar Site usage information in order to improve the Site's content and to better meet our customers' needs and preferences.

Law Enforcement/Legal Processes/Other Uses

Cover-More India may disclose PII to comply with the law or a court order, subpoena or other legal process, as requested by a governmental or law enforcement authority. We may also disclose PII when we believe in good faith that it is in the interests of aviation security or when we believe in good faith that it is either necessary to protect our property or is otherwise necessary or advisable.

Cover-More India may also disclose PII to any entity with which it merges or to which it sells any assets.

How does Cover-More India safeguard Minors online privacy?

We do not knowingly collect PII from minors (according to applicable laws). If such minor has provided us with PII without parental or guardian consent, the parent or guardian may email us at [email protected], and we will remove the PII and remove the concerned minor information from any promotional lists or databases.

How do you tell Cover-More India that you don't want to be contacted for promotional purposes?

You may request to be removed from Cover-More India informational and promotional email subscription lists by sending your request to [email protected]. Any promotional email sent to you by Cover-More India will also contain a link allowing you to opt-out of any future emails.

How does this Privacy Policy relate to other websites?

This Privacy Policy, to the extent it covers Internet use, covers only the Cover-More India website ('Website') and does not cover any other Site. While we make every effort to protect the PII you provide to us, we do not control the policies of other sites (including those we may link to) and the site owners' use of PII you provide to them.

How do we protect the PII that you provide from unauthorized access?

To prevent unauthorized access, disclosure and improper use of your PII, and to maintain data security, we have established appropriate physical, electronic, and managerial safeguards to protect the PII we collect. These security measures include using Secure Socket Layer (SSL) that encrypts data that you transmit to the Site.

Although Cover-More India takes reasonable steps to safeguard and to prevent unauthorized access to your PII, it cannot be responsible for the acts of those who gain unauthorized access, and Cover-More India makes no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your PII.

Contact Us

If you have any comments or concerns regarding this privacy policy please contact:

Cover-More India (Corporate Head Office)

Address:

Mistry Bhawan, 5th Floor,

Next to K.C College, Dinshaw Vacha Road,

Churchgate, Mumbai 400020.

Ph.: + 91 22- 67166300