Privacy Policy

Privacy Policy

Last updated: 10th March, 2021

PLEASE READ THIS POLICY CAREFULLY BEFORE USING NAVI HEALTH.

The Navi Health Application ("Navi Health") is made available by Navi Technologies Private Limited (“our”, “us”, “we”, “Company”), having its registered office at 3rd Floor, Salarpuria Business Center, 93, 5th A Block, Koramangala Ind Layout, Bengaluru – 560 095, Karnataka, India. In order to provide you (and other covered members/nominees, if any) with the Services, process your requests for an insurance policy, and to ultimately provide a policy to you, we (i.e., the Company) and Navi General Insurance Limited (the “Insurance Partner”) need to collect various data and information from you. The manner in which this data and information is collected, retained, shared, stored, and processed by us (i.e., the Company) and our Insurance Partner is addressed in this Privacy Policy (“Policy”). We may revise this Policy as well as update the Services and Navi Health from time to time, so please keep visiting this page regularly to take notice of any changes we make. If you do not agree with any part of this Policy, please stop using our Services immediately.

This Policy, incorporates, and includes our Terms and the Agreement(s) executed by you for availing the insurance products made available by the Insurance Partner (“Insurance Agreement”). Words and phrases not defined in this Policy shall mean the same as provided in the Terms. All references to you (as a user / visitor) shall include references to all other covered members/nominees, if any.

By visiting and/or using Navi Health, you agree to this Privacy Policy. To aid us in protecting your privacy, you should maintain secrecy of your login ID and password, if any, provided to you in connection with your account with Navi Health.

Further, by setting up an account on Navi Health, you agree to our and the Insurance Partner's processing, storage, usage and sharing of the data provided by you pursuant to this Policy.

Section 1: Contact Information

We and our Insurance Partner have appointed a data grievance officer. Our data grievance officer is: Sugandha Sharma, accessible via email at: gro@navi.com. You can contact the officer confidentially by email to enquire about the treatment of your data by us or our Insurance Partner.

Section 2: What Data is Collected?

While using Navi Health, you may be asked to share personal information as required. This may include, but may not be restricted to your name, mailing address, email address, phone number, debit card/credit card information or net banking service information, the insured individual’s health related information and the personal information of the insured’s beneficiary. This information is necessary to maintain our records about you to service you better at the time of issuing new policies and disbursing claims. We will collect personal identification information from you only if you voluntarily submit such information to us. You can always refuse to supply personal information, however that may preclude you from taking certain actions and/or availing certain Services on Navi Health. Any information including your personal information provided by you on Navi Health, will be deemed as an authorization given by you to us and our Insurance Partner to use such information for the purpose as stated out on Navi Health. By visiting and/or using Navi Health, you agree to this Privacy Policy. To aid us in protecting your privacy, you should maintain secrecy of your login ID and password, if any, provided to you in connection with your account with Navi Health.

I. Data you input in the course of signing up and using our Services:

1. Navi Account Data:

We and our Insurance Partner collect the data you provide to us when you create or update your Navi Account or register for any event. This includes your name, phone number, email ID, date of birth, pin code, and relationship with the other covered members/nominees. We or our Insurance Partner may require you to share further information on a later date to confirm the veracity of your information or pursuant to any additional features added to Navi Health.

2. Financial and KYC Information:

We and our Insurance Partner collect the data you provide at the time of processing your claims. This includes your photograph, Aadhaar Number, PAN, bank account number, IFSC, proof of address (which can be your electricity bill, rental/lease agreement, gas bill, passport or driver’s license, or voter’s identity card or any other document Navi Health may be able to record).

3. Other Data Solicited:

You may be required to provide further information to the Insurance Partner for the purposes of issuance of policies and processing of claims. Such additional information may include (without limitation) your health and lifestyle related data, bank statements, loan statement, salary and income statements. This data shall be supplied to the Insurance Partner through us. You may also be required to provide this information to us and the Insurance Partner via physical documents, e-mail or other digital and offline methods.

4. Feedback Data and Other Data:

This includes the following:

• If you call our call centers, we may record information provided by you to service you or record the calls for quality and training purposes.
• Data you input when you participate in our referral programs or use any discount codes offered by us. This information collected includes the name and email address of the person you have referred and we will send the referred person a one-time email inviting them to visit Navi Health.
• If you provide any feedback or comments to us on Navi Health or through any survey conducted by Navi or any other mode of offline interactions.

How we use this data: See, For Enabling Navi Health and its Services; For Enabling Communications between you and us/Insurance Partner; For Issuing Insurance Policies; For Enabling Customer Support; For Research and Development; For Enabling Communications Between You and Us; For Marketing and Outreach.

II. Data we collect from your usage of our Services:

1. Geolocation data:

We and our Insurance Partner collect the location data from you in two ways: (i) when you add the pin code as part of your Navi Account data; and (ii) from your mobile device when enabled by you to do so. We collect this data when Navi Health is running in the background of your mobile device.

2. User Personal Information:

Navi Health collects user account data which includes email address, name to log in to Navi Health. This information is required as part of the registration process to access our service and it is also used to auto populate relevant fields in the course of the interface of our app. Navi Health also collects mobile numbers for verification to check the active SIM status on the device, uniquely identify you and prevent fraud and unauthorized access.

3. Payment and Billing Information:

We might collect your billing name, billing address and payment method when you buy an insurance policy from us.

4. Phone Book Contacts:

When you grant us access to the address book on your mobile device, then we and our Insurance Partner access and store the names and contact information from your address book to facilitate invitations, assess your phone usage and habits. As part of your usage of our Services, we collect all of your phonebook contacts which includes their contact names, phone numbers, account types, favourites (starred) and contact labels for marketing purposes. We also use this data to determine your social network from your phonebook contacts and identify fraudulent contacts in your network. This helps us in detecting fraud and reducing risk.

5. Financial SMS Data:

When you grant us access to the SMSs on your mobile device, then we and our Insurance Partner collect SMS data stored on your mobile device. You will not be able to access certain Services we provide on Navi Health or we may require additional information and documents if you disable this access.

6. App Data:

We and our Insurance Partner collect the data about your installed applications, including the applications that you have installed on and from the date you create your Navi Account and the manner in which you use them. This also includes having access and permission to send you messages and notifications via your social media and instant messaging applications.

7. Usage data:

We collect data about how you interact with our Services. This includes data such as interaction patterns (such as screen actions, gestures: taps, scrolls) access dates and times, duration of time spent on Navi Health, Navi Health features or pages viewed, Navi Health crashes and other system activity, type of browser, and third-party sites or services used before, after or in the course of interacting with our Services. We may also collect the type of mobile device you are using or the version of the operating system your computer or device in running on.

8. Demographic Information:

We may collect demographic information about you, events you like, events you intend to participate in, policies you buy, or any other information provided by you during the use of Navi Health. This information may be collected as part of a survey also.

9. Transaction information:

We collect transaction information related to the use of our Services, including the type of Services requested, date and time the Service was provided, insurance availed, premium payable and payment method. Additionally, if someone uses your promotion code, we may associate your name with that person and their usage of Navi Health.

10. Device data:

We collect data about the devices used to access our Services, including the hardware models, device IP address, operating systems and versions, software, preferred languages, unique device identifiers, advertising identifiers, serial numbers, device motion data, and mobile network data.

11. Storage:

This permission is required so that users' documents can be securely downloaded and saved on users' phones and upload the right documents for a faster approval of insurance policy and disbursal of claims. This helps provide a very smooth and seamless experience while using Navi Health.

How we use this data: See, For Enabling Navi Health and its Services; For Enabling Communications between you and us/Insurance Partner; For Issuing Insurance Policies; For Enabling Customer Support; For Research and Development; For Enabling Communications Between You and Us; For Marketing and Outreach.

III. Information we receive from other sources:

We may also be working closely with third parties (including, for example, business partners, technical sub-contractors, analytics providers, search information providers, service providers, third-party administrators and medical examiners and may lawfully receive information about you and other covered members/nominees from such sources. Such data may be shared internally and combined with data collected on Navi Health. We may also collect information you post in a public space on Navi Health or on a third-party social media site belonging to us or our Insurance Partner.

How we use this data: See, For Enabling Navi Health and its Services; For Enabling Communications between you and us/Insurance Partner; For Issuing Insurance Policies; For Enabling Customer Support; For Research and Development; For Enabling Communications Between You and Us; For Marketing and Outreach.

Section 3: How and Why is The Collected Data Used?

The data that is collected in accordance with Section 2 above will be used in the manner detailed below:

1. For enabling Navi Health and its Services:

We use the data collected to personalize, maintain and improve our Services. This includes using the data to:

• Create and update Navi Health.
• Analyze your eligibility for an insurance policy and estimate the terms of insurance.
• Track premium payments.
• Enable features that allow you to add and remove bank accounts for payment of premium by you and claims disbursed, from time to time.
• Enable features that help you check your insurance history and other features as may be added from time to time.
• Perform internal operations necessary to provide our Services, including to troubleshoot software bugs and operational problems; to conduct data analysis, testing, and research; and to monitor and analyze usage and activity trends.
• To improve our products and services.
• To personalize your experience on Navi Health. This could include displaying appropriate content based upon our judgment and discretion.
• We may add features that allow you to call us (through Navi Health or otherwise), similarly, we may also need to contact you (through Navi Health or any other channels that you give us access to, such as WhatsApp or Facebook).

2. For Enabling Communications between you and us/Insurance Partner:

We might use the information you provide:

• To contact you for confirmation of a purchase on Navi Health.
• Respond to your pre-sale and post-sale service requests.
• Support your needs efficiently and without delay.
• To send you updates about services or products of relevance to you, or for other promotional purposes.
• To respond to your requests or questions. We might use your information to confirm your registration for an event or contest.
• We use information to send you transactional communications. We might send you emails or SMS about your account or a policy purchase.
• The personal information, including sensitive personal information or data collected may be utilized by us towards sending/providing information on the products and services offered by us.

3. For Issuing Insurance Policies:

• Our Insurance Partner uses the data to analyze your eligibility for an insurance policy and the terms of the policy. Failing to process such data could mean that we may not be able to provide you with an insurance policy.
• Our Insurance Partner also uses the data to track payment of premium amounts and claim disbursals to you.

4. For Enabling Customer Support:

We use the information to provide customer support, including to resolve your concerns from the use of the Services, and train our customer service executives.

5. For Research and Development:

We may use the data so collected for research, analysis, and product development to improve the UI/UX experience – all of which will ultimately improve how you experience Navi Health.

6. For Marketing and Outreach:

We may use the data we collect to market Navi Health and our Services. This includes sharing your feedback, ratings and screen names for purely promotion and marketing purposes. Such promotion and marketing may be done via hoardings, banners, pamphlets etc. Further, we might send you information about special promotions or offers. We might also tell you about features or products. These might be our own offers or products, or third-party offers or products we think you might find interesting. Or, for example, if you buy an insurance policy from us, we'll enroll you in our newsletter.

7. For Legal Compliance and Requirements:

We may use the data we collect to investigate or address claims or disputes relating to use of our Services, or as otherwise allowed by applicable law, or as requested by regulators, government entities, and official inquiries.

8. For Product Innovation:

• We may use the data we collect to offer new products and services for your use.
• We use information to look at site trends and customer interests. We may use your information to make Navi Health and our products better. We may combine information we get from you with information about you we get from third parties.

Section 4: How do we share the Collected Information?

1. Sharing with third parties:

• Service Providers: We will share information with third parties who perform services on our behalf. We reserve the right to exchange, share or provide the information with vendors who, including but not limited to, help us manage our online registration process or payment processors or transactional message processors for that limited purpose. Some vendors may be located within or outside of India. These third-party service providers are not permitted to share the information further.
• Third Party Services: Navi Health may allow you to connect with other websites, products, or services that we don’t have control over (for example, if we allow you to pay through an external wallet facility then we will have to share your usage information with the facility provider or if you are required to undertake medical exams, tests, etc. through a third-party). However, usage of such third-party services is subject to their privacy policies and not within our control. We recommend that you have a look at their privacy policies before agreeing to use their services. This policy does not apply to the content or the privacy practices neither does it cover the information and disclosure practices of those apps/service providers. We are not responsible for these third-party sites/services.
• Affiliates and Group Companies: Subject to applicable law, we may share any data we have collected or collect from you with our affiliates and group companies for product research and development, advertising relevant products to you, and to tailor the products for your benefit.
• Change in Control: While negotiating or in relation to a change of corporate control such as a restructuring, merger or sale of our assets, we may have to disclose our databases and information we have stored in the course of our operations.

2. Sharing with third parties:

Notwithstanding any other provision of this Policy, we may share information if we think we have to in order to comply with the law. If any governmental authority or law enforcement officers request or require any information and we think disclosure is required or appropriate in order to comply with laws, regulations, or a legal process.

Section 5: What are Your Rights regarding the Data?

It is important for us that you remain in control of your data. Please write to us at gro@navi.com if you wish to exercise any of your rights under the Policy. You shall have the following rights:

1. Sharing with third parties:

In the event that any personal data provided by you is inaccurate, incomplete or outdated then you shall have the right to provide us with the accurate, complete and up to date data and have us rectify such data. It may take up to 10 days to process your request. We urge you to ensure that you always provide us with accurate and correct information/data to ensure your use of our Services is uninterrupted.

2. Right to withdraw consent:

You have the right to withdraw your consent to this policy by uninstalling Navi Health. However, if you have availed any policies from our Insurance Partner, we shall have the right to continue processing your information till such policy is valid and existing.

However, we shall not retain your data and information if it is no longer required by us and there is no legal requirement to retain the same. Do note that multiple legal bases may exist in parallel and we may still have to retain certain data and information at any time.

3. Right to opt-out:

We may use your email address to send you information about your insurance policy. It may also be used to respond to your inquiries, questions, and/or other post-sale requests.

By opting into our mailing list, you may receive emails that could include related product or service information, educational content etc. If at any time you would like to unsubscribe from receiving email communication, you can opt out of receiving our marketing emails. To stop receiving our promotional emails, please email unsubscribe@navi.com. It may take about ten days to process your request. Even if you opt out of getting marketing messages, we will still be sending you transactional messages through email and SMS about your purchases. We obtain your permission to post testimonials which may include your personal information prior to posting on Navi Health. If you would like your testimonial removed, please contact us at: unsubscribe@navi.com

Push Notifications: You can opt out of receiving push notifications through your device settings. Please note that opting out of receiving push notifications may impact your use of Navi Health.

Section 6: What is Our Data Security Practice?

We maintain information pertaining to you in our business records as per current regulatory requirements. We have secure and appropriate data collection, storage, and processing practices. Our security measures protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on Navi Health.

All kinds of private information exchange and transactions on Navi Health happens through SSL secured communication channel and is encrypted and protected with digital signatures.

Section 7: Consent Mechanism

By setting up a Navi Account, you agree to our and the Insurance Partner’s processing, storage, usage, and sharing of the data provided by you pursuant to this Policy. If you do not agree with any of the terms of this Policy or the Terms or wish to revoke any consent you have provided to us and/or the Insurance Partner, please write to us at gro@navi.com. However, please note that if you revoke any mandatory permissions or revoke the consent to process and store information needed to facilitate the issuance of policies or disbursal of claims, then we may have to cease the provision of Services to you. You cannot withdraw your consent once you have availed a policy using Navi Health till such policy is valid and subsisting.

Section 8: Data Retention

We shall retain the information you provide to facilitate your smooth and uninterrupted use of Navi health, and (i) to provide, improve and personalize our Services; (ii) to contact you about your account and give customer service; (iii) to personalize our advertising and marketing communications; and (iv) to prevent, detect, mitigate, and investigate fraudulent or illegal activities. We do not retain your personal data for longer than required for the purpose for which the information may be lawfully used. For any other information, we may entertain your request for deletion, however, you may not be able to use our Services at all after such deletion.

Section 9: Children’s Privacy

Our Services are not directed to children, and we do not knowingly solicit or collect personal information from persons under the age of 18 (eighteen). If we find out that a child has given us personal information, we will take steps to delete that information and terminate the relevant account on Navi Health.

Section 10: Communications from Us

We may from time to time contact you via calls, SMS, emails, WhatsApp and other communication channels to provide you with information pertaining to our Services, notifications on updates vis-à-vis our Services (when we consider it necessary to do so), educational information and promotions. We may also notify you if we need to temporarily suspend Navi Health for maintenance, and keep you informed on security, privacy, or administrative-related communications. By setting up an account on Navi, you consent to us contacting you via call, SMS, WhatsApp, push notifications, or through any other communication channel, as we may deem fit.

Section 11: Updates to this Notice

We may occasionally update this Policy. When we do, we will revise the date on this policy. Use of our services after an update constitutes consent to the updated notice to the extent permitted by law. Please take the time to periodically review this Policy for the latest information on our privacy practices.