Privacy Policy
Tacterial Consulting Private Limited (hereinafter also referred to as“Ditto” or “we” or “our” or “us”) operates the website at https://joinditto.in (“Site” or “Platform”). We respect the privacy of each user of the Site (referred to as “you” or “a user”), whether its your first time, or if you’ve visited our Site previously. This Privacy Statement gives you specific information about how we protect your privacy, how we treat information we collect on the Site that identifies an individual user (“Personal Information”), and how we use aggregated information.
By registering for or using the site, you signify your acceptance of this privacy statement. If you do not agree to this privacy statement, you cannot use the site. We reserve the right to modify this Statement at any time by posting a notice on the Site’s home page. (If we consider it appropriate, we may also provide additional notice of significant changes.) Your use of the Site after the date of the last modification listed at the beginning of this Privacy Statement indicates to us that you agree to the changes
Information Collection and Use
For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to First Name, Last Name, Email/Phone number. This information is not accessible to other visitors using our Platform, either directly or by submitting a request. We may also request you for your WhatsApp number in the event you want to use our services via WhatsApp. In certain specific cases once you have booked a call with one of our advisors, the advisors may ask for certain information to offer productive advice. This information may include your location, age, existing diseases, income etc. The information that we request will be retained by us and used as described in this privacy policy. Please note that any information collected by us may be shared with the relevant insurers and or the governing body (IRDAI) or any other service provider to enable us to provide you with the relevant Service.
When you use the Website, Apps, Newsletters and interact with our Services, we may use technology such as that provided by Google Analytics, Mailchimp and other third party service providers to collect information about your visit to our Website and/or Newsletters. In essence, these tools enable us to analyse how you and others interact with our Website, Apps and Newsletters. The information we collect may include:
- the type and version of browser you use to access our website/newsletter;
- the number of sessions per day and the time spent for each session and on each page;
- time and date of your visit;
- Internet Protocol Address;
- The service that you visit;
- the type of device (e.g. iPhone) and operating system (e.g. iOS) you are using;
- if you opened our newsletters;
- user preferences;
- which pages you visited; and/or
- We may also collect information that your browser sends whenever you visit our service or when you access the service by or through a device.
THIS IS WHAT WE DO WITH THE INFORMATION WE COLLECT ABOUT YOU
We use the information you provide to us to:
- Enable us to provide the services through Call, Email, WhatsApp, SMS, and any other digital communication platforms related to the functionalities, product or contracted services, including security updates, when required or reasonable for their implementation;
- To manage your account and your registration as user of the service. The personal data you provide can give access to various functionalities of the service that are available to you as a registered user;
- For internal record keeping purposes;
- Ensure that content from our Website, Apps and Newsletters is presented in the most effective manner for you and for your device to achieve the most user-friendly navigation experience;
- Provide you with marketing information about us and our services;
- To provide you with news, special offers, and general information about other product services and event which we offer that are related or similar to those that you have already purchased or enquired about unless you have opted not to receive such information;
- To manage your request or to offer different product or services and to attend and manage your request to us;
- Notify you about changes to the Website, Apps and Newsletters and the Services;
- Carry out our obligations arising out of the Terms of Use;
- Defend our servers against malicious attacks;
- To process billing and payment, including sharing with third party payment gateways in connection with Website and/or products and Services;
- To improve and maintain our Website and our Services (for example, we track information entered through the "Search" function; this helps us determine which areas of our Website users like best and areas that we may want to enhance; we also will use for trouble-shooting purposes, where applicable); and/or
- To resolve disputes, to protect ourselves and other users of our Website and Services, and to enforce our Terms of Use.
Cookies
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.
This Service does not use these “cookies” explicitly. However, the app or the website may use third party code and libraries that use “cookies” to collect information and improve their services. Cookies are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. Cookies are typically stored on your computer's hard drive. Information collected from cookies is used to evaluate the effectiveness of the website, analyse trends and administer any platform. The information collected from cookies allows websites to determine such things as which parts of the website are most visited and what difficulties visitors may experience in accessing the website. With this knowledge, service providers can improve the quality of your experience on the platform by recognizing and delivering more of the most desired features and information, as well as by resolving access difficulties. We may also use cookies and/or a technology known as web bugs or clear gifs, which are typically stored in emails to help us confirm your receipt of, and response to, our emails and to provide you with a more personalized experience when using our Site.
You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.
We may employ third-party companies and individuals and share your personal information in the following situations:
- To facilitate our Service;
- To provide the Service on our behalf;
- To perform Service-related services; or
- To assist us in analyzing how our Service is used.
When a user decides to buy the policy and fills out an application, the user will be required to fill out forms and provide information. This information may include user name, KYC and other details, etc., however, we do not store any such information collected at such time.
This information is passed on to the insurers from whom the policy is being purchased. We want to inform users of this Service that these third parties have access to your Personal Information or such other information that we collect about you while you are using the Platform. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
Third Party Privacy Policies
Our privacy policy does not cover and apply to other third party service providers. Thus, you may check with your advisor on the respective privacy policies of these third parties for more detailed information. It may include their practices and instruction on how to opt out of certain options. You can choose to disable cookies through your individual browser options. To know more about cookie management with specific web browser, it can be found at the browser’s respective websites.
External Links on The Website
The platform may include hyperlinks to other websites, websites, content or resources. We have no control over any websites or resources, which are provided by companies or persons other than us. You acknowledge and agree that we are not responsible for the availability of any such external sites or resources, and do not endorse any advertising, services/products or other materials on or available from such platform or resources. You acknowledge and agree that we are not liable for any loss or damage which may be incurred by you as a result of the availability of those external sites or resources, or as a result of any reliance placed by you on the completeness, accuracy or existence of any advertising, products or other materials on, or available from, such websites or resources. These external websites and resource providers may have their own privacy policies governing the collection, storage, retention and disclosure of your personal information that you may be subject to. We recommend that when you enter such external website, you review their privacy policy. For the avoidance of doubt, we have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Your rights in relation to your personal data
We take reasonable steps that are designed to keep your personal data review, complete and up to date for the purpose for which it is collected and used and to ensure that processing of your personal data complies with applicable laws. Some of the rights which you have in relation your personal data are mentioned as under:
- Right to access: You have right to request copies of your personal information. We may charge you a small amount of fee for this, if required.
- The right to rectifications: You have the right to request that we correct any information that you believe is incorrect. You also have the right to request that we complete the information that you believe is incomplete.
- Right to Edit/Delete: You have the right to request that your information may be edited/deleted under certain specific situations.
- Right to restrict processing: You have the right to request that we restrict the usage of your personal data under certain situations.
- Right to object to processing: You have the right to object to our processing of your personal information under certain conditions.
- Right to data portability: You have right to request that we transfer the data that we have collected to another organization or directly to you under certain situation.
Please make such request from your registered email ID by writing to us on privacy@joinditto.in , we will revert back within 60 working days. Please note that these rights shall always remain subject to the regulatory requirements. We, under the IRDAI and other regulations, are required to store certain information for compliance, audits, and other such purposes and therefore, the aforementioned right shall always remain subject to compliance with the relevant laws applicable to us.
Users
If you are coming from United State of America or European union or any other region with laws governing law collection and use, please note that you are agreeing to the transfer of your information to us and processing globally. By providing your information, you agree to any transfer or processing in accordance with this privacy policy. The onus of compliance with the requisite laws applicable in a specific country will be on the person accessing our services.
Retention of your personal data
We will hold onto your personal data only for as long as is necessary for the purpose set out in this privacy policy. We will retain and use your personal data only to the extent necessary to comply with our legal obligations, resolve dispute, and enforce our legal agreement and policies. We will also retain data for internal analysis purpose. Usage data is generally retained for a shorter period of time except when this data is retained to strengthen the security or to improve the functionality of our service or we are under some legal obligation to retain it for longer period.
Transfer of your personal data
Your information including personal data is processing at the company operating offices and in any other places where the parties involved in the processing of the data are located in. This means the information may be transferred to and maintained on computer located outside of your state, province or country or government jurisdiction where the data protection laws may differ than those from your jurisdiction. Your consent to this privacy policy followed by your submission of such information represents your agreement to that transfer. The company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy and no transfer of your personal data will take place to an organization or a country unless there are adequate control in place including security of your data and personal information.
Information Disclosed to Protect Us and Others
We may disclose your information including Personal Information if: (i) We reasonably believe that disclosure is necessary in order to comply with a legal process (such as a court order, search warrant, etc.) or other legal requirement of any governmental authority, (ii) disclosure would potentially mitigate our liability in an actual or potential lawsuit, (iii) reasonably necessary to enforce this Privacy Policy, our Terms of Use etc. (iv) disclosure is intended to help investigate or prevent unauthorized transactions or other illegal activities, or (v) necessary or appropriate to protect our rights or property, or the rights or property of any person or entity.
Breach reporting
Any individual who suspects that a personal data breach has occurred as a result of the theft or exposure of personal data must immediately notify us immediately at privacy@joinditto.in by providing a description of what occurred. They will investigate all reported incidents to confirm whether or not a personal data breach has occurred. If a personal data breach is confirmed, we will follow the relevant authorized procedure based on the criticality and quantity of the personal data involved. For severe personal data breaches, our senior management will initiate and chair an emergency response team to coordinate and manage the personal data breach response.
Security
We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.
Children's Privacy
Our service does not address anyone under the age of 18. We don't knowingly collect personally identifiable information from anyone below the age of 18. If you are parent or guardian and you are aware that your child has provided us with the personal data, you may please contact us. If we become aware that we have collected personal data from anyone under the age of 18 without verification of parental permission, we will take reasonable steps to remove that information from our records.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page. You are advised to review the privacy policy periodically for any changes.
New Use of Personal Information
From time to time, we may desire to use personal information for the users not previously disclosed in our privacy policy. If our practice changes regarding previously collected personal information in a way that would be materially less restrictive than stated in the version of this privacy policy in effect at the time we collected the information, we will make reasonable efforts to provide notice and obtain consent to any such uses as may be required by law.
Confidentiality
You further acknowledge that the platform may contain information which is designated confidential by us and that you shall not disclose such information without our prior written consent.
Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at privacy@joinditto.in
Liability
Except as otherwise expressly included in this privacy policy, this document only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties, whether they are on our platform or on other sites throughout the Internet, different rules may apply to their use or disclosure of the information you disclose to them. To the extent that we use third party advertisers, they adhere to their own privacy policies.
Grievance Team
In accordance with Information Technology Act 2000 and rules made there under, the Consumer Protection (E-Commerce) Rules, 2020, and such other applicable regulations in force, the contact details of the Grievance Officer are provided below:
Details of Grievance Officer
Name: Akshay Tater
Address: The Pavilion, 2nd floor, 175 176, Next to Rainbow Hospital, Bilekahalli, Bengaluru, 560076
Email: grievance@joinditto.in
Phone: 08048816818