PRIVACY POLICY

HOBNOB, a subsidiary of HGDS Ventures Pvt. Ltd. (“Company”) operates the website hobnob.bimagarage.com, which is engaged in end to end Claim Reimbursement and assistance.

This Privacy Policy is designed to inform the website users regarding Company practices in connection with the collection, storage, use, and disclosure of their Personal, Healthcare and Financial Data. The Company understands the need for data privacy and is committed to maintaining robust privacy protections for its users/customers.   

When you use our services, you implicitly agree to the collection, organization, processing, storage and use of your data by the Company in accordance with this Policy. To complete a transaction, when you share your personal data to verify your credit card, share your policy details, claim details, you consent to the collection and use of such data by us for such specific reason only.

Our services are such as can be availed directly by customers or through an Insurance agent. In case you are reaching out to us through an Insurance agent, we access your data as an Intermediary and a Third Party. So while we may not be responsible for accuracy and integrity of your data received by us, this Privacy Policy applies only to the extent your data is used by us in rendering the best of our services. The data received by us, however, is handled in accordance with the Industry Best Practices.

The Personal data that we collect, process and store, are used only for providing the services and interacting with the Insurance Companies. We do not collect, process, store, use or share your data with anyone except as described in this Privacy Policy.

I. DATA WE COLLECT

We collect the following information when you access our services: a. Your Name, Address and email id;
b. Demographic information such as postcode & preferences
c. Your username and password;
d. Your Phone No.
e. The personal and healthcare information you provide when you use the service, request assistance, share your queries and message us.
f. This can include metadata such as log files, cookie/device IDs, your device location, communications and information that you provide while you are logged in to the Services.
g. User feedback, suggestions and ideas sent.

II. STORAGE AND USE OF PERSONAL DATA

a. We store all user data on a secure server and use Industry best Practices to ensure that all user data remains accessible to only the personnel authorized to do so.
b. Our payment system is encrypted through the Payment Card Industry Data Security Standard (PCI-DSS). Your transaction data is stored only as long as is necessary for completion of your transaction, post which, your transaction data is deleted.
c. In general, the Personal data you provide to us is used to provide you with Policy assistance, claim assistance and reimbursement services. help us communicate with you and provide you with better services.

III. SHARING OF DATA

a. Except as otherwise stated in this Privacy Policy, we do not sell, trade, rent or otherwise share for marketing purposes your personal data with third parties without your consent. We only share your personal and healthcare data with Insurance companies and verified intermediaries to provide you with speedy and best services.
b. If our Company is acquired or merged with another company, your data may be transferred to the new owners so that we may continue to provide our services to you.
c. We may need to disclose your personal data if we are required by law to do so or if you violate our Terms of Service.

IV. THIRD PARTY SERVICES

a. The third-party providers used by us will only collect, use and disclose your data to the extent necessary for them to perform their services.  
b. Certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase transactions. We recommend that you read their privacy policies to understand the manner in which your personal data will be handled by these third parties.
c. When you click on links on our website, they may direct you away from our site. In such cases, we are not responsible for the privacy practices of other sites and advise you to read their privacy policies.

V. HOW WE PROTECT DATA

a. To protect your personal data, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.
b. Your account is protected by your account password and we urge you to take steps to keep your personal data safe by not disclosing your password and by logging out of your account after each use.
c. All direct payment gateways adhere 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 data by our store and its service providers.

VI. YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL DATA

a. You have the right at any time to terminate the association and prevent us from contacting you in relation to our services. When we send a promotional communication to you, you can opt out of further communications by following the ‘unsubscribe’ instructions provided in the e-mail.
b. Whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the data to be used by anybody for direct marketing purposes.
c. If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your data at any time, by contacting us at [email protected]
d. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer, however, this may prevent you from taking full advantage of the website.
e. You have the right to verify the accuracy of your Personal Data and ask for it to be updated or corrected.

VII. CHANGES TO OUR PRIVACY POLICY

The Company reserves the sole right to modify this Privacy Policy at any time, as may be warranted due to change in business policies, government regulations or otherwise. We shall notify you of significant changes to our Privacy Policy by personal email or by placing a prominent notice on our website.

VIII. CONTACT US

If you have any questions regarding the Privacy Policy or the practices of this website, please contact us by sending an email to [email protected]
This Privacy Policy may be updated from time to time. When updated the “Effective date" below will be amended and the new Privacy Policy will be posted online.

Effective Date: 01-06-2020