Privacy Policy – GDPR
This Privacy Policy covers licinfo.in’s treatment of personally identifiable information that licinfo.in collects when you are on the licinfo.in site, and when you use licinfo.in ‘s services.
General Data Protection Regulation (GDPR)
We are a Data Controller of your information.
licinfo.in legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Information we collect and the specific context in which we collect the information:
- LICINFO needs to perform a contract with you
- You have given LICINFO permission to do so
- Processing your personal information is in LICINFO legitimate interests
- LICINFO needs to comply with the law
LICINFO will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.
If you are a resident of the European Economic Area (EEA), you have certain data protection rights. If you wish to be informed what Personal Information we hold about you and if you want it to be removed from our systems, please contact us. info@licinfo.in
In certain circumstances, you have the following data protection rights:
- The right to access, update or to delete the information we have on you.
- The right of rectification.
- The right to object.
- The right of restriction.
- The right to data portability
- The right to withdraw consent
What personal data do we collect and why do we collect it
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Like any other website, licinfo.in uses ‘cookies’. These cookies are used to store information including visitors’ preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users’ experience by customizing our web page content based on visitors browser type and/or other information.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
DoubleClick DART Cookie
Google is one of the third-party vendors on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.licinfo.in and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads.
Some of the advertisers on our site may use cookies and web beacons. Our advertising partners are listed below. Each of our advertising partners has its own Privacy Policy for their policies on user data. For easier access, we hyperlinked to their Privacy Policies below.
You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites. What Are Cookies?
Children’s Information
Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.
LICINFO does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.
Online Privacy Policy Only
This privacy policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in LICINFO. This policy is not applicable to any information collected offline or via channels other than this website.
Our Privacy Policy was created at GDPRPrivacyPolicy.net) applies only to our online activities and is valid for visitors to our website with regard to the information that they shared and/or collect in LICINFO. This policy is not applicable to any information collected offline or via channels other than this website.
Your contact information
LICINFO website does not share your personal or contact information with any others without your permission.
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This policy also covers licinfo.in’s treatment of any personally identifiable information that licinfo.in’s business partners share with licinfo.in. This policy does not apply to the practices of companies that licinfo.in does not own or control, or to people that licinfo.in does not employ or manage.
licinfo.in is no way responsible to or liable for anyone for his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.
We strongly recommend meeting an independent financial advisor before you purchase any product and/or service via Websites.
We do not examine whether the advertisers are good, reputable, or quality sellers of goods/service providers. You must satisfy yourself about all relevant aspects prior to availing of the terms of service.
Purchasing of goods or availing of services from advertisers shall be at your own risk.
licinfo.in collects personally identifiable information when you register for a licinfo.in the account, when you use certain licinfo.in products or services, when you visit licinfo.in pages, and when you enter promotions or sweepstakes.
licinfo.in may also receive personally identifiable information from our business partners.
When you register with licinfo.in, we ask for your first name, last name, state, city, email, birth date, and gender. Once you register with licinfo.in and sign in to our services, you are not anonymous to us.
Also during registration, you will be requested to register your mobile phone and email id, or another 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 alerts on bidders requests or some advertising messages/emails from us.
We does not examine whether the advertisers are good, reputable, or quality sellers of goods/service providers.
You must satisfy yourself about all relevant aspects prior to availing of the terms of service. Purchasing of goods or availing of services from advertisers shall be at your own risk.
By giving us the information you are giving us permission:
- provide products or services you’ve requested.
- to help investigate violations of licinfo.in’s terms of use or to defend against legal claims;
- to disclose the information under special circumstances such as compliance with applicable local law, court summons, court orders, requests/orders from legal authorities, or law enforcement agencies requiring such disclosure.
licinfo.in will send information about you to other companies or people when:
- We need to share your information to provide the product or service you have requested to enable them to contact you; or
- We have your consent from you to share the information.
Terms and Conditions
We connect you to insurance companies for various types of insurance products and services. Our selection as it appears on our website and nothing to purchase a particular insurance product. We receive fees from certain insurers or agents/distributors/brokers who advertise on or are linked to the Websites.
We retain the fees and we do not charge you for the service we offer via the Websites.
Please be aware that it is very important that before you buy any policy you carefully read the terms of the policy of that policy. We will endeavor to give you enough information so that you can make an informed decision about your insurance but you should not rely solely on the information provided on our website.
You must familiarize yourself with all the details of the policy, for example, the restrictions, exclusions, conditions, and obligations that apply to the policy. You must ensure that the policy matches your requirements and that you agree to the terms of the policy before you place an order to purchase any insurance product or service.
We accept no responsibility whatsoever in the event that any policy purchased by you does not meet your requirements. Insurers will use the information you provide to them to calculate their premium and any offer of insurance cover.
It is your responsibility to ensure that such information and all other information you provide to the insurers (before cover begins and during the term of any policy you take out) is complete, accurate, and not misleading.
Licinfo not any type of refund with any amounts previously paid.
Information Sharing and Disclosure
licinfo.in will not sell or rent your personally identifiable information to anyone other than as specifically noted herein. Notwithstanding the foregoing, licinfo.in may sell and/or transfer your personally identifiable information to an affiliate and to any successor-in-interest as a result of a sale of any part of licinfo.in ‘s business or upon the merger, reorganization or consolidation of licinfo.in with another entity on a basis that licinfo.in is not the surviving entity.
For the purposes of this paragraph, “affiliate” means any person directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with licinfo.in. The term “control,” as used in the immediately preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights, or otherwise, to direct or cause the direction of the management or policies of the controlled person.
As used in this Privacy Policy, the term “person” includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association, or any other entity.
We need to share your information with certain service partners in order to respond to your queries / comments or to resolve service issues and to serve you better.
LICINFO has the right to suspend any contributor, Subscriber and user’s account without any notice.
Exclusions of liability
We are not responsible for any data, material, or information included on the Websites, which has been provided by third parties. We are not responsible for any losses or damages arising from an inability to access the Websites, from any use of the Websites, or from reliance on the data transmitted using the Websites where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet.
We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you who were not foreseeable by us when you accessed or used the Websites.
LICINFO Subscription
LICINFO gives you a chance to grow and advertise your insurance business with LICINFO. You have to pay a minor subscriptions fee according to LICINFO packages. LICINFO has the right to change plans and packages anytime without notification.
Licinfo not any type of refund with any amounts previously paid.
Exclusion of liability for third party providers products and services and Third party advertisements
You can apply for and buy a number of products and services via our licinfo.in . It is specifically clarified that we do not provide any of the products and services that appear on the Websites.
All these products and services are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with third parties.
We are not responsible for any products or services or information provided by third-party providers.
You should exercise due caution to ensure your interests. Do not hand over any cash. Get all promises on terms and conditions in writing on a letterhead. Get the visiting card of the person visiting you and check out that the landlines numbers mentioned on the card are correct.
Most advertisers are unable to return documents in case your proposal is not accepted. If this is an issue with you, please get a promise to return your documents in writing in the event of your proposal is not accepted for any reason.
Any transactions relating to sale/purchase of goods or services not directly offered by Us are to be settled inter-se between the parties to such transaction and all warranties express or implied of any kind, regarding any matter pertaining thereto, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed by Us.
We try to provide a platform where you and another party may interact, exchange information or carry out any transactions on such terms and in the manner mutually agreed between you and the other party. We do not have any involvement in the actual transactions between the buyers and sellers of any product and service.
It is only you, who is entirely responsible for all the activities, arising out of the transactions of goods or services offered by any other party and not us. We will not be liable for any loss that you may incur while selling or purchasing goods /services of the third party
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 (not including 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.
Privacy Policy Changes
licinfo.in may amend this policy from time to time, at our discretion. If we make any substantial changes in the way we use your personal information we will notify you by posting the changes here on these Privacy Policy pages.
