Privacy Policy

This Privacy Policy is applicable to all customers of HDFC International Life & Re, IFSC Branch (hereinafter referred to as "HDFC Life International") and users of https://hdfclife-international.com website and consequential services and products made available by HDFC Life International. Please read this Privacy Policy carefully. By accessing the Website or using any of our Services, You represent/ agree that you have read and understood the terms and conditions of usage, which includes this Privacy Policy and You agree to be bound by all its terms.

1. Definitions

“The Company” or “We” or “Us” or "Our" - refers to HDFC International Life and Re Company Limited ("HDFC International") at DIFC, Dubai, UAE and its overseas branch HDFC International Life & Re, IFSC Branch ("HDFC Life International").
“Policy” or” Insurance Policy” - refers to life insurance contract or/and health insurance contract that may be issued by HDFC Life International.
“Privacy Policy” - refers to this Policy (Notice)
“You” or “Your” or “User(s)” - refers to the person accessing the Website or utilizing the services of HDFC Life International in any capacity.
“Website” - refers to HYPERLINK "https://www.hdfclifere.com/" https://hdfclife-international.com and any subsequent pages under its sitemap
“Services” - all services made available by HDFC Life International
“Personal Information” - means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person
“Sensitive Personal Data or Information” - The type of information we may collect and process will depend upon the type of insurance policy we are underwriting. It may include any of the below (where permitted by law):

Personal details: Your name, age, gender, date of birth, photographs, marital status, nationality, height and weight, leisure activities and interests, past medical history, among others.
Identification information and criminal data: Your government-issued ID, passport copies, driving licence, and criminal record (but only where it is lawful to collect such data).
Contact Information: Your address, telephone numbers, email address and any such relevant information.
Information about your family and home: Your family health or morbidity history, number of children and name, age and gender of children, your dwelling type, your household income, and demographics.
Employment and experience information: Your employment history, job role, salary, employment benefit options, educational background and any professional licenses and qualifications.
Financial information: Details pertaining to your bank account, annual income, source of other income, if any, salary investment/savings, tax payer ID, credit history/details.
Information to conduct our business: Information relating to underwriting and managing and processing reinsurance claims, such as previous insurance records including medical and financial reports and claims histories including health information, services relating to our businesses and your business dealings or relationship with us.

From the information we collect about you, we may also derive or generate further information such as risk assessment ratings. Some of this information is generated through profiling

2. Information Collection

The Company collects Personal Information or Sensitive Personal Data or Information in one or more ways as mentioned below:

Information You give us: while using the Website and/or while availing the products and some of the services made available on the Website including the information you give us while registering on our Website in order to create an account. The registration information typically asked for includes but is not limited to Your policy number (if applicable), name, e-mail address, etc. voluntarily submitted by you, and helps us in personally identifying You. This information is necessary to initiate as well as continually use Your online account and products. If the information provided for such registration is wrong or has changed, You can update it or delete it unless we have to keep that information for legitimate business or legal purposes. However, at the back end, audit trail keeping may require us to retain copy/ log of such information for as long as is legally permitted/required.

We may collect the following Personal Information from You (Please note that this is an indicative list):

SL. No.	Particulars of information collected	Purpose of collection
1	Name	Provision of services
2	Phone number	Provision of services
3	Address	Provision of services
4	Email ID	Provision of services
5	Age	Provision of services
6	Marital Status	Provision of services

We may collect the following Sensitive Personal Data or Information from You (Please note that this is an indicative list):

SL. No.	Particulars of information collected	Purpose of collection
1	KYC Details	Due Diligence and policy servicing
2	Credit Score	Financial underwriting
3	Health information	Medical underwriting
4	Child data (below the age of 18)	Provision of services
5	Voice Recording	Verification/Authentication purposes
6	Video Recording	Verification/Authentication purposes
7	Government based KYC and related information	Provision and/or authentication of Services

Processing of Sensitive Personal Data or Information has a risk of significant harm if its confidentiality is compromised or the data is leaked. The Company shall ensure that relevant and reasonable safeguards are put in place in while processing Sensitive Personal Data or Information.

Information we get from Your use of our Services on the Website: Visiting and using Services offered under the Website by HDFC Life International may result in the Website receiving performance and usage information such as the date and time of Your visit, the kind of browser or computer You use, default language setting, Your unique Internet Protocol address, the number of links You click within the Website, the pages You viewed on the Website, and the web page from which You arrived to our Website. This information however will not be used to personally identify You.
Information we may get from our affiliates or third parties: We may obtain information about You from other sources, including commercially available sources, such as social media, data aggregators and public databases. We may also collect information about You from Our affiliates or group companies.
Information we get through sending one or more cookies or anonymous identifiers to Your device: Cookies are small electronic text files that contain information that a website uses to store User preferences and settings. You have the option to reset Your browser to control cookies; however, some of the Services offered by the Website may not function properly if cookies are refused/reset/deleted.

In case you do not provide your information or consent for usage of personal information or later on withdraw your consent for usage of the personal information for the purpose it was collected or provide misleading information and or wrong information or fail to update your information, HDFC Life International reserves rights to discontinue/cancel the insurance policy/services for which, the said information was sought and any decision of HDFC Life International in this regard shall be binding on you and shall supersede the terms of the policy or services.

3. Use of Information

Any information that we collect from You may be used for a variety of purposes including but not limited to the following:

To provide You with insurance related products that You may purchase from HDFC Life International
To provide Services to all users of the Website
To personalize Your experience
To Address your enquiries or complaints and or any other customer services related activities
To improve our Website
To improve our products and customer service
To process transactions, where requested, under Your User Id and Password
To close a sale as well as for post sales information gathering
To communicate with You for any other post sales requirement
To send periodic emails
To administer a contest, promotion, survey or other site or business feature,
To conduct statistical analysis
To develop better products/solutions or improve services using artificial intelligence, machine learning, behavioural analysis and other technologies
For sales and marketing activities
As otherwise informed to you at the point of collection

By providing your contact information you have consented with your free will to be contacted by us on the said contact Information even if the said contact is registered under the National Customer Preference Register or any other Law for the time being in force.

4. Sharing of Information

HDFC Life International or its Website does not collect any Personal Information or Sensitive Personal Data or Information (except in relation to online purchase) unless voluntarily provided by You, and HDFC Life International confirms that it shall not rent or sell any of Your Personal Information or Sensitive Personal Data or Information. However, You would be required to provide Personal Information or Sensitive Personal Data or Information in the course of Your purchasing or initiating a transaction for purchase of a life insurance policy or/and health insurance product, or for initiating any other service request/ transaction under any product purchased by You.
HDFC Life International may share Your Personal Information or Sensitive Personal Data or Information with third party service provider and vendorsin the following cases:
To meet requirements of any applicable law, regulation, legal process, enforceable governmental request, or customary practice directly or through our affiliates / banks / financial institutions / credit bureaus / agencies.
To meet requirements of participation of any telecommunication or electronic clearing network.
For statistical analysis and verification or risk management.
To enforce applicable terms of Service, including investigation of potential violations.
To detect, prevent, or otherwise address fraud, security or technical issues.
To protect against harm to the rights, property or safety of HDFC Life international, our Users or the public as required or permitted by law.
To outsource non-core activities as defined under the relevant IFSCA regulations.
HDFC Life International retains the right to share non-personally identifiable information with third parties for business purposes, to assess Website traffic, patterns and other such purposes. HDFC Life International also retains the right to share non-personally identifiable information to comply with applicable legal and regulatory processes, or to protect and defend the rights and interests of HDFC Life International and its affiliates, holding company/subsidiaries and/or other users or to enforce the terms and conditions which are binding on all customers of HDFC Life International and users of the Website.
We may share Your Personal Information or Sensitive Personal Data or Information with reinsurers who may have offices located outside India.
We will take precautions/apply safeguards as required by us under applicable laws, to ensure the confidentiality of any Personal Information or Sensitive Personal Data or Information.

5. Communication

HDFC Life International retains the right to communicate with You (via telephone, e-mail, post and telegraph service, courier, mobile messaging services and any other social media medium including WhatsApp, Telegram etc.) when You have agreed to receive such communication or where operational or regulatory requirements require us to do so. HDFC Life International further retains its right to communicate through third party service providers and vendors. You shall have the option to unsubscribe to receive such communication.

Once You have raised a request with the Company for any request related to Your data/ information, We shall revert to You within thirty (30) days of receipt of the request.

6. Third Party Offers

HDFC Life International may allow third party service providers and vendorsto offer subscription and/or registration-based Services through the Website, App or other platforms (viz. WhatsApp, Twitter, Alexa, etc.). HDFC Life International shall not be responsible for any actions or policies of such third party service providers and vendors and users of the Website are requested to check the applicable third party privacy policy and acquaint themselves with the terms and conditions of usage of such service providers, when providing Personal Information or Sensitive Personal Data or Information. HDFC Life International shall not be liable for any variance in the features/benefits offered by such third party service providers and vendorsand shall not in any case assume warranty on the efficiency or efficacy of such offers.

The Company shares certain Personal Information with third parties for activities including, but not limited to:

Marketing purposes
Document management/retention
Cloud storage
Logistical activities such as printing of Your Welcome Kits, Courier of documents, etc.
Cross-selling and up-selling of products of the HDFC Life International or its holding and subsidiaries.
Medical underwriting
Financial Due Diligence
Claims related investigation purposes
Customer support provided by call centres
Improving services and products

7. Changes to Privacy Policy

HDFC International may amend or modify, this Privacy Policy (including replacing this Privacy Policy with a new Policy), at any time at the sole discretion of the Company. Users are requested to periodically check the terms and conditions under this Privacy Policy from time to time. The Company shall not in any circumstance be held liable for such lapses on the part of the users of the Website.

8. Information Security

We take reasonable precautions to protect Your Personal Information or Sensitive Personal Data or Information, information on the Website and our customers’ information from unauthorized access/ alteration, disclosure or destruction of information we hold. In particular:

We encrypt many of our Services using SSL certificates
We provide role-based access to employees/partners who need to login to our systems/ applications
Multi-factor authentication is in place (wherever feasible) for employees and third parties who access our systems and applications.
We review our information collection, storage and processing practices, to guard against unauthorized access to systems.

We permit access to Personal Information or Sensitive Personal Data or Information to our employees, contractors and agents who are subject to strict contractual confidentiality obligations for data processing purposes.

9. Storage of Information

The Company uses third party data centres and cloud services to securely store Your data and to minimise the possibility of data loss. The relevant security safeguards and contractual clauses as required by relevant Laws are adhered to while storing Your data.

10. Retention of Information

The Company shall not retain any Personal Information or Sensitive Personal Data or Information beyond the period necessary to satisfy the purpose for which it is processed. However, where it is required by local regulations and applicable law, We shall retain Your Personal Information or Sensitive Personal Data or Information for longer than required for the purpose. In some circumstances, the Company may anonymise the data so that it can no longer be associated with the user, in which case the Company may use such data without further reference to the user.

The Company shall take reasonable steps to ensure that data which is not necessary for processing and not required to be stored is deleted periodically.

11. Warranty Disclaimer

Information, content and materials provided on this Website are on an “As Is” basis and the Company does not make any express or implied representation or warranty regarding the accuracy or completeness of the same.

12. Contact Information

In case You require any further clarifications on the content of this Privacy Policy, terms of use or for any grievances regarding the topic, please contact us through our contact page.