Privacy Policy

Introduction:

This Privacy Policy applies to access and use of the software, including but not limited to mobile applications, web applications, and any other relevant medium. The website/software/application by the name “purpleumbrella.in” is owned and operated by Purple Umbrella Fintech Private Limited (hereinafter referred to as "we," "our," or "Purple Umbrella"). Purple Umbrella enables agents to sell personal accident coverage, COVID hospitalization, and health insurance through our technology platform and earn money ("Services").

We are committed to protecting the privacy and security of our users ("you" or "your" or "user(s)," or "customer(s)"). We value you as users and respect your right to privacy. Your privacy is important and maintaining your trust is paramount to us. We are strongly committed to protecting your privacy online and offline and have taken steps to protect such information.

This Privacy Policy ("Privacy Policy") explains how we collect, use, process, disclose, and safeguard your information when you access and use our Services through our website and mobile application, respectively (collectively referred to as the "Platform") located at: https://www.purpleumbrella.in which shall be incorporated into and subject to the terms of Service of the Platform and shall be read harmoniously and in conjunction.

Your continued use of the Platform is an affirmation that you have read the Privacy Policy, understand it, assent and consent to its terms and conditions, including subsequent changes and amendments. If you do not agree to the terms of this Privacy Policy, you are requested not to use or access our website or mobile application.

SECTION 1 – WHAT INFORMATION DO WE COLLECT?

When you purchase any product from our Platform, as part of the buying and selling process, we collect the information that you give us such as your name, phone number, contact list, address, and email address, as well as any information that is not otherwise publicly available ("Personal Information”). When you browse our Platform, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

Personal Information collected by us includes but is not limited to:

name, address, phone number, age, gender, date of birth, occupation, identity proof, photographs, and e-mail address.
financial information, including but not limited to billing address, bank account details, credit/debit card details, nominee name, and nominee relationship to process your payment-related details, payment method data to process payments for the Services, and documents required to serve as proof for the Know Your Customer (“KYC”) validation.
your username, password, and other demographic information that you provide in the process of creating an account on our Platform.
demographics information or opinions, and information about subjects that may interest you provided by you if you take a survey or interact with us.
your registration or profile information sent to us by connected services such as LinkedIn, Facebook, or Twitter, as may be authorized by you.
information from your computer and browser, including your IP address, PURPLE UMBRELLA cookie information, software attributes, hardware attributes, etc., is automatically collected when you browse/use/register/sign in on PURPLE UMBRELLA.
search contact book if consented by the user.
Contact List: Our App may request access to your contact list to enhance its functionality. We may collect and store the names, phone numbers, email addresses, and other contact information from your contact list solely for the purpose of providing you with features like inviting friends or suggesting contacts within the App. We do not sell or share this information with third parties.
Images: Our App may require access to your device's photo library or camera to allow you to upload or capture images within the App. We collect and process these images to enable features like profile picture selection or in-app image editing. We do not use or share your images for any other purpose without your explicit consent.

SECTION 2 – WHAT DO WE DO WITH YOUR INFORMATION?

Purple Umbrella uses Personal Information shared by you for the following:

Purple Umbrella collects/transmits/syncs/stores Mobile No to enable Unique ID for User Authentication and Communication.
Purple Umbrella collects/transmits/syncs/stores Full Name to enable User identification.
Purple Umbrella collects/transmits/syncs/stores Pincode to enable Locality identification and generating Business Card.
Purple Umbrella collects/transmits/syncs/stores Email ID to enable communication of policies, promotions, etc.
Purple Umbrella collects/transmits/syncs/stores Profile Picture to enable business card personalization.
Purple Umbrella collects/transmits/syncs/stores Date of Birth to enable age validation.
Purple Umbrella collects/transmits/syncs/stores Occupation to enable a systematic record and to help insurers gauge whether or not an individual is eligible to buy an insurance policy.
Purple Umbrella collects/transmits/syncs/stores address to enable record purposes and communication through mail.
Purple Umbrella collects/transmits/syncs/stores bank details to enable crediting performance/referral/bonus and commission.
Purple Umbrella collects/transmits/syncs/stores Nominee Name to enable Policy Generation Requirements.
Purple Umbrella collects/transmits/syncs/stores Nominee Relation to enable Policy Generation Requirements.
Purple Umbrella collects/transmits/syncs/stores Nominee DOB to enable Policy Generation Requirements.
Purple Umbrella collects/transmits/syncs/stores Contact List to enable quick selection of contacts.
Purple Umbrella collects/transmits/syncs/stores crash logs to enable diagnostics.
Purple Umbrella collects/transmits/syncs/stores user image to enable user identification.
Purple Umbrella also collects information for the following purposes:

To create your account, verify your identity, and process your transaction(s) on the Platform.
For crediting performance/referral bonus and commission.
Search of contact book for quick selection of contacts.
For cross-platform data sharing between Purple Umbrella’s website and mobile application to improve your user experience.
To customize the advertising and content you see on our Platform.
For personalized user experience and analytics to improve our Platform.
To fulfill your requests for the Services.
To improve our Services, contact you, conduct research, and provide anonymous reporting for internal and external clients.
To collect statistics about your usage of the Platform and its effectiveness.
To improve and personalize your experience of the Services and the content, as well as customize our interactions with you to further expand the scope of our Platform.
To resolve disputes, provide customer support, and troubleshoot problems that arise from using our Platform.
To collect payment from you in relation to the Services.
To inform you about online and offline offers, products, services, and/or updates.
To enforce and inform you about our Terms of Service and Privacy Policy, as well as any changes to them.
To process and fulfill your request for Services and/or respond to your queries on our Platform.
To contact you.
To allow our business partners and/or affiliated entities to present customized messages to you.
To communicate important notices and/or changes in the Services offered by Purple Umbrella, use of our Platform, and the terms/policies that govern the relationship between you and Purple Umbrella and with our affiliates.
For any other purpose, for which you have granted access to such information to us, based on your interaction with our Platform.

If any Personal Information is posted online by you that is accessible to the public, Purple Umbrella will not be responsible for the use or misuse of such information.

SECTION 3 – CONSENT

When you provide us with Personal Information to complete a transaction, verify your credit card, or place an order, we imply that you consent to our collecting it and using it for that specific reason only. If we ask for your Personal Information for a secondary reason, like marketing, we will either ask you directly for your expressed consent or provide you with an opportunity to say no.

If, after you opt-in, you change your mind, you may withdraw your consent for us to contact you, or for the continued collection, use, or disclosure of your information, at any time, by contacting us at [email protected]. However, you agree that withdrawing your consent will not affect the lawfulness of any processing we carried out before your withdrawal, nor will it affect processing of your Personal Information carried out in reliance on other lawful grounds other than consent.

Further, you can request PURPLE UMBRELLA to delete your data by dropping a mail to [email protected]. PURPLE UMBRELLA reserves the right to deny this request in cases of fraud, unwanted activities, or any business or compliance requirements that require data retention for a period of five (5) years. PURPLE UMBRELLA may also combine information about you that we have with information we obtain from business partners or other companies.

SECTION 4 – DISCLOSURE OF INFORMATION

We share the Personal Information provided by you with our trusted partners who collaborate or work with PURPLE UMBRELLA under confidentiality agreements. These companies may use your Personal Information to help PURPLE UMBRELLA communicate with you about offers from PURPLE UMBRELLA and our marketing partners. However, these companies do not have any independent right to share this Personal Information.

We may share Personal Information with our other corporate entities and affiliates to help us operate our business, the website, or mobile application, or to administer activities such as the detection of identity theft, fraud, and other potentially illegal acts. We may also share your information to facilitate joint or co-branded services that you request where such services are provided by more than one corporate entity.

We may share your Personal Information with these third parties for those limited purposes. We may disclose Personal Information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal processes, and/or if you violate our Terms of Service.

If our Platform is acquired and/or merged with another company, your Personal Information may be transferred to the new owners so that we may continue to sell products to you:

We may disclose Personal Information in case of a corporate sale, sale of business, reorganization, dissolution, insolvency, or similar events;
We may disclose Personal Information to protect the rights, property, and safety of PURPLE UMBRELLA and our partners; and
We may disclose Personal Information for any other purpose for which the user provided it.

SECTION 5 – PAYMENT

We use Razorpay for processing payments. We/Razorpay do not store your card data on the servers. The data is encrypted through the Payment Card Industry Data Security Standard (PCI-DSS) when processing payment. Your purchase transaction data is only used as long as is necessary to complete your purchase transaction. After that is complete, your purchase transaction information is not saved. Our payment gateway adheres to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express, and Discover. PCI-DSS requirements help ensure the secure handling of credit card information by our Platform and its service providers. For more insight, you may also want to read the terms and conditions of Razorpay at https://razorpay.com.

SECTION 6 – THIRD-PARTY SERVICES

In general, the third-party providers used by us will only collect, use, and disclose your information to the extent necessary to allow them to perform the services they provide to us. However, certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies with respect to the information we are required to provide them for your purchase-related transactions. For these providers, we recommend that you read their privacy policy so you can understand the manner in which your Personal Information will be handled by these providers.

In particular, remember that service providers may be located in or have facilities that are located in a different jurisdiction than either you or us. If you proceed with a transaction that involves the services of a third-party service provider, then your Personal Information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located. Once you leave our Platform or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our Terms of Service.

When you click on links on our Platform, they may direct you away from our Platform. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

SECTION 7 – SECURITY OF DATA

To protect your Personal Information, we take reasonable precautions and follow industry-standard practices to protect your data from unauthorized access, use, destruction, disclosure, alteration, or loss of data.

SECTION 8 – COOKIES POLICY

A “cookie” is a small piece of information stored by a web server on a web browser so it can later be read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. We place both permanent and temporary cookies in your computer’s hard drive or mobile. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent.

PURPLE UMBRELLA allows other companies that show advertisements on some of our pages to set and access their cookies on your computer or mobile. Other companies’ use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to PURPLE UMBRELLA’s cookies. We use cookies to maintain the session of your user. It is not used to personally identify you on other websites.

SECTION 9 – AGE OF CONSENT

By using our Platform, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

SECTION 10 – CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify, revise, alter, and/or change this Privacy Policy at any time, so please review it frequently to ensure that you agree with our latest and/or updated information. Changes and clarifications will take effect immediately upon their posting on the Platform. If we make material changes to this Privacy Policy, we will notify you in your account on our Platform that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

Your continued use of our Platform will be deemed to be your acceptance of any changes that we make. If our Platform is acquired or merged with another company, your information may be transferred to the new owners so that we may continue to sell products to you.

SECTION 11 – CONFIDENTIALITY

PURPLE UMBRELLA limits access to Personal Information about you to employees who we believe reasonably need to come into contact with that Personal Information to provide products or services to you or in order to do their jobs. PURPLE UMBRELLA has physical, electronic, and procedural safeguards that comply with applicable laws and regulations to protect Personal Information about you.

SECTION 12 – PROTECTION OF INFORMATION

PURPLE UMBRELLA adopts appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your Personal Information and data stored on our Site or Mobile Application. However, you should be aware that no server and/or location is 100% secure, and it is possible that such may be entered without permission by a computer hacker or by someone similarly engaged in unauthorized access. PURPLE UMBRELLA is not liable if such an act occurs.

SECTION 13 – RETENTION OF DATA

We may store and retain your Personal Information, to the extent necessary:

To carry out the Services and provide content for the use of our Platform. Generally, this means we will keep your Personal Information as long as your account is active or as needed to provide our Services.
Retain and use the Personal Information collected as necessary to comply with our legal obligations, resolve disputes, and/or for other business purposes.
Retain your Personal Information for 5 (five) years after you cancel, deactivate, or unsubscribe your account with us, as part of our business practice.
Where we have no continuing legitimate business need to process your Personal Information, we will either delete and/or anonymize it. If this is not possible, then we will securely store your personal data and isolate it from any further processing until deletion is possible.

SECTION 14 – GOVERNING LAW

Our Platform and Services are provided and published by Purple Umbrella Fintech Private Limited and are governed by all applicable laws within the territory of India.

SECTION 15 – GRIEVANCE REDRESSAL AND PRIVACY QUESTIONS

If you have any questions, concerns, or suggestions regarding our Privacy Policy or simply want more information about our Privacy Policy, please reach out to us at [email protected]. If you have any grievance or complaint with respect to our Platform, please reach out to the grievance officer. The details are provided below:

QUESTIONS AND CONTACT INFORMATION:
Name: Paras Mehta
Email: [email protected]
Contact Number: +919986898686