“Personal Information”,as defined under Information Technology Act, 2000, Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, shall mean any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely available with a body corporate, is capable of identifying such person.

“Sensitive Personal Information”shall mean as defined under the Information Technology Act (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011

“Products” shall mean and include all of Products of Travel Cover Private Limited such as but not limited to Worldwide Travel Related Products, Insurances, Coverages, Insurance, Travel Cover’s Worldwide Assistance Products, luggage infinity services, worldwide assistance including concierge, visa and ticket related products etc.

“Services” shall mean and include all our services including but not limited to our professional services and products made available to you by us, through the Platforms and Offline Channels (as defined below) and all our services and Products purchased / booked by you.

Travel Cover Private Limiteda Limiteda company registered under the Companies Act, 1956 and having its registered office at A704, 7th Floor, Sai Radha Complex, LBS Marg (opp Corpora), Bhandup West, Mumbai 400078, India (“we” / “us” / “our”) owns and operates the domain name https://travelcover.co.in/(“Website”) and the mobile application (“Mobile application”).

We believe that the users / subscribers (“you” / “your”) who avail the benefits and Services through the Website / Mobile application has the right to know and understand ourethical standards in gathering, the purpose of gathering, using, handling, securing and safeguarding any Personal Information(as defined herein below) that you share with us.It also explains your options for accessing and managing all such Personal Information.

This Privacy Policy shall be applicable to any and all persons who -

• 1. Procure and/or intend to procure and/or inquire about any of our Services and Products.
• 2. Procure or subscribe to Services made available by us through any of our platforms / interface including without limitation Website, mobile site, Mobile application (collectively referred hereinafter as "Platforms") and through our offline channels such as but not limited to call centres, offices, agents, distributors, channel partners etc (collectively referred hereinafter as "Offline Channels").
• 3. By purchasing any of our Services and / or by visiting this Website and / or by using any Platform, you agree to be bound by this Privacy Policy. We suggest you read this Privacy Policy in its entirety and carefully as it provides relevant information. Your usage of the Platform and / or purchase of our Services,shall be deemed to indicate that you have carefully read understood, agreed and accepted thereby giving consent to this Privacy Policy. In case you disagree with this Privacy Policy (in whole or in part), we request you to not use/access the Platforms and / or purchase any of our Services. In case you decide to withdraw your consent to this Privacy Policy, then you will have to cancel the Services, in which case notwithstanding to anything contrary contained in this Privacy Policy or Terms and Conditions or anywhere else, 100% cancellation shall be applicable and charged.

If you are a Minor, and you wish to provide us with your Personal Information for the purpose of availing our Servicesand / or any other features of any of the Platform and our Services, then you must read this Privacy Policy with your parent or guardian and may not provide your Personal Information without first obtaining your parent's or guardian's prior written consent. If we are notified or otherwise learn that a Minor has submitted Personal Information to us through any of our Platforms other than under the conditions set forth above, then notwithstanding anything contrary contained herein and / or anywhere else, we will delete the concerned Minor's Personal Information which may affect the Services.

We do not knowingly collect data of users younger than 18 years of age.

• 1.Personal Information
  At the time of visiting the Website, any Platform, or Offline Channels and / or while subscribing to the our newsletter, when you respond to survey or fill out a formand / or at the time of registering with us and / or while Purchasing any of the Service, you share the following data / information with us - (a) your name, age, gender, date of birth, nationality, email address, phone number, information relating to address, billing information, etc; (b) other data publicly available or data made available by linking your social media, geographic location or phone number; (c) transactional information, such as but not limited to availing offers, use of our Services and or any other assistance related to Services; (d) information you provide us when you contact us for help; (e) language preference, information you enter into the Platforms and / or at the Offline Channels,,while availing / using / purchasing the Services, such as but not limited to while asking doubts, enquiring, purchasing, participating in discussions and taking tests.
• 2.Sensitive Personal Information
  As of date of this Privacy Policy, we do not collect any Sensitive Personal Information. However, depending on the type of Services that you may purchase/avail we may, if required mandatorily to provide you with the benefits of your purchased Service, collect Sensitive Personal Informationsuch as password, transactional information, health related information, etc.
• 3.Other Information
  In addition to the above information / data, we may collect certain information automatically, such as but not limited to - (i) the type of mobile device you use, operating system of your mobile or computer, the Internet browsers used by you to access the Websites and information about the way you use our Services through any Platform; (ii) browser and device data; (ii) app usage data (iii) data collected through Cookies, pixel tags and other technologies (iv) Demographic data and other data provided by you (v) aggregated data. However, in case any Other Data identify you as an individual or relate to any particular individual, then we will treat such Other Data as Personal Information.
• 4.Log information:
  When you access our website, our servers may automatically record information that your browser sends whenever you visit the Website. These server logs may include information such as but not limited to your web request, Internet Protocol address, browser type, browser language, the date and time of your requests raised, transcripts of any chat conversations and one or more cookies that may uniquely identify your browser. Please refer to “Cookies” to more about how we collect information using cookies.
• 5.User communications:
  When you send email or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.

• 1. We may collect certain data from Cookies, which are pieces of data stored directly on the computer or mobile device that you are using. Cookies allow us to collect data such as browser type, time spent on the Online Services, pages visited, referring URL, language preferences, and other aggregated traffic data. A Cookie may also allow us to collect information about your path through our Website and to determine whether you have visited us before. However, unless you register with us, it will only collect Other Data. Cookies cannot be used to read data off of your hard drive and cannot retrieve information from any other Cookies created by other Web sites. These Information to help us understand how visitors use our site and help us to improve our site for various purpose including security purposes, to facilitate navigation, to display data and information more effectively, to collect statistical data, to personalize your experience while using any of the Platform(s) and to recognize your computer to assist your use of the Platform. We also gather statistical data about use of the Platform to continually improve design and functionality understand how they are used and assist us with resolving questions.
• 2. Cookies further allow us to select and evaluate which advertisements or offers are to be displayed to you while you are using any of the Platforms or to send promotional emails. We also use Cookies to track responses to online advertisements and marketing emails.
• 3. You may refuse to accept a Cookie from us by following the procedures specific to your Web browser. Although if you do so, you may find your browser to react strangely while visiting our Website and other websites as well. Since Cookies don't provide us with any information from which we can identify you, we suggest you allow us to place one on your computer. If you are visiting a site where you will be accessing your confidential account information, you will be required to accept Cookies as it is essential for site administration and security.
• 4. You can choose whether to accept Cookies by changing the settings on your browser or by managing your tracking preferences. However, if you do not accept Cookies, you may experience some inconvenience in your use of the Online Services. For example, we will not be able to recognize your computer, and you will need to log in every time you visit. You also will not receive advertising or other offers from us that are relevant to your interests and needs.

• 1. We collect Personal Information from you to – (i) process, confirm and fulfil customer requests regarding our Services or transactions made using the Platforms and / or Offline Channels, (ii) identify you, to provide you with information required to service you, give you the benefits of the Products/Services purchased by you, (iii) address your enquiries, complaints and requests, (iv) to send you any communications related to the Services availed, subscribed or purchased by you, which may include sending you email, sms, text messages etc to notify you of changes in our Services or features.
• 2. We will also use your Personal Information to update you with the latest news, benefits, covers, events, offers, sales, brochures, marketing communications and promotional offers, as well as periodic customer satisfaction, market research or quality assurance surveys.
• 3. When you provide an email address at the time of purchasing / subscribing any Service, we use that email address to send you a copy of your invoice(s) and / or other notifications, documents related to your purchase / subscription. However, in case you are purchasing or subscribing any Service on behalf of any third person using your email address, then the invoice(s) and / or other notifications, documents related to the purchase, or the subscription made for such third person will also be sent to you on the email address shared by you with us.
• 4. Personal Information collected by us enables us to give you convenient access to our Services, offerings and Products and may help us tailor your requirement.
• 5. We collect Personal Information from you to combine them with individual data and behavior patterns so that we can provide you with targeted / personalized content. We will further use the information shared by you to ensure continuous better experiences.
• 6. We collect Personal Information from you to Develop new Products, Services, features, and functionality.
• 7. We collect Personal Information from you for compliance purposes, including enforcing our Terms of Service, or other legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency.
• 8. (i) to comply with the rules relating to KYC obligations and under Prevention of Money Laundering Act, 2002 or under any other law; (ii) to identify, verify and conduct background screening purposes; (iii) to conform to legal requirements or comply with legal processes; (iv) to reconcile and settle accounts with those who provide related services to us; (v) to carry out activities connected with the running of our business such as personnel training, quality control, network monitoring, testing & maintenance of computer, other systems and in connection with the transfer of any part of our business in respect of which you are a customer or a potential customer, (vi) to comply with applicable laws, rules and regulations including without limitation, IRDA and KYC obligations and under Prevention of Money Laundering Act, 2002 or under any other law.

• 1. We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to :
  • a.Satisfy any applicable law, regulation, legal process or enforceable governmental request, orders or instructions.
  • b.Enforce applicable Terms of Use, including investigation of potential violations thereof
  • c.Detect, prevent, or otherwise address fraud, security or technical issues, or
  • d.Protect against imminent harm to the rights, property or safety of Travel Cover Private Limited, its users or the public as required or permitted by law.
• 2. We may share with third parties certain pieces of aggregated, non-Personal Information, such as the number of customers and users subscribed to and / or purchased the Services, or the number of users registered on our website and Mobile application. Such information does not identify you individually.
• 3. We may provide information to various service providers such as but not limited to airlines, travel companies, visa processing companies, insurance Companies etc as and when necessary, to ensure that we render you appropriateServices as we offer and further render you the benefits of the Products purchased by you.
• 4. We may provide information to such third parties whom we use to facilitate our business, such as to host the Service at a co-location facility for servers.
• 5. Where we utilize third parties for the processing of any Personal Information, we implement reasonable contractual, organisational and technical protections limiting the use of that information to our specified purposes.