1. INTRODUCTION
Saral E-Commerce Private Limited, a company incorporated under the Companies Act, 2013, having its registered office at B-49 Kanpur Road Yojna, Neelam Heights, Near Phoenix United Mall, Kanpur Road, Lucknow - 226012, Uttar Pradesh, India (hereinafter referred to as "SaralESuvidha", "GoInsure", "we", "us", or "our"), is committed to protecting the privacy and security of information entrusted to us.
This Privacy Policy describes how GoInsure collects, uses, stores, processes, and discloses information when Merchants or users access or use the GoInsure platform , website, APIs, dashboards, or related services (collectively, the “Platform ”).
By accessing or using the Platform, you consent to the practices described in this Privacy Policy.
2. APPLICABILITY
This Privacy Policy applies to:
- Registered Merchants using GoInsure
- Merchant representatives, employees, or authorised users
- End customers whose insurance premium payments are processed through the Platform
This Policy must be read together with the Terms & Conditions of GoInsure.
3. ROLE OF INSUREPAY
GoInsure acts solely as a technology and payment facilitation platform for insurance premium collections through BBPS (Bharat Bill Payment System) and authorised banking/payment partners.
- Does not issue insurance policies
- Does not underwrite risk
- Does not act as an insurance agent, broker, or advisor
- Does not determine policy terms, pricing, or coverage
All insurance-related data is processed only to the extent required to facilitate lawful premium payments.
4. INFORMATION WE COLLECT
4.1 Information Collected from Merchants
We may collect:
- Business details (legal name, registration documents, GST, PAN)
- KYC / KYB information of directors, partners, or authorised signatories
- Bank account and settlement details
- Contact details of authorised personnel
- Login credentials and access logs
- Transaction and settlement records
4.2 Information Collected for End Customers (via Merchants)
Limited customer data necessary for payment processing, including:
Policy number
Insurer name
Premium amount
Mobile number / email (for receipt and confirmation)
Transaction reference numbers
GoInsure does not intentionally collect sensitive insurance data beyond payment facilitation requirements.
4.3 Technical & Usage Data
We may collect:
- IP address
- Device and browser information
- Date, time, and logs of platform access
- API usage logs and system diagnostics
5. PURPOSE OF DATA COLLECTION
We collect and process information for the following purposes:
- Facilitating insurance premium payment transactions
- Routing payments through BBPS and banking partners
- Merchant onboarding, verification, and compliance
- Transaction reconciliation and settlement
- Fraud prevention, risk monitoring, and audit trails
- Regulatory reporting to BBPS, NPCI, banks, and authorities
- Customer and merchant support
- System security, analytics, and service improvement
6. SHARING OF INFORMATION
We may share information strictly on a need-to-know basis with:
- BBPS operating units and NPCI
- Partner banks and payment gateways
- Insurance companies (only payment-related data)
- Regulatory or law enforcement authorities
- Auditors, compliance consultants, and technology service providers
We do not sell or rent personal data to third parties for marketing purposes.
7. DATA RETENTION
Transaction and financial records are retained as required under Applicable Law, RBI, and BBPS guidelines.
- Transaction and financial records are retained as required under Applicable Law, RBI, and BBPS guidelines.
- Merchant data is retained for the duration of the relationship and thereafter as legally mandated.
- Data may be retained longer in case of audits, disputes, investigations, or regulatory directions.
8. DATA SECURITY
We implement reasonable security practices and procedures as required under the Information Technology Act, 2000, including:
- Secure servers and encrypted communication
- Role-based access controls
- Audit logs and monitoring
- Periodic security assessments and audits
Despite best efforts, no system is completely secure, and GoInsure does not guarantee absolute security of data.
9. COOKIES & TRACKING
GoInsure may use cookies or similar technologies to:
- Improve platform functionality
- Maintain secure sessions
- Analyse usage patterns
Cookies do not directly collect personal data unless voluntarily provided.
10. USER RIGHTS & CHOICES
Merchants may:
- Update their business information
- Request access to stored data (subject to legal limitations)
- Request correction of inaccurate data
- Opt out of non-essential communications
Requests may be denied where retention is required by law.
11. THIRD-PARTY LINKS
The Platform may contain links to third-party websites or services. GoInsure is not responsible for the privacy practices of such third parties.
12. DISCLOSURE UNDER LAW
We may disclose information where required to:
- Comply with Applicable Law
- Respond to court orders or regulatory directions
- Protect the rights, property, or safety of GoInsure, Merchants, or the public
- Prevent fraud or illegal activity
13. CHANGES TO THIS POLICY
GoInsure may update this Privacy Policy from time to time.
Revised versions will be published on the Platform. Continued use constitutes acceptance.
14. GRIEVANCE REDRESSAL
In accordance with the Information Technology Act, 2000:
- Grievance Officer
- Name: Dispute Team
- Email: [email protected]
- Address: SaralESuvidha, C/O Saral E-Commerce Pvt. Ltd., B-49 Kanpur Road Yojna, Neelam Heights, Near Phoenix United Mall, Kanpur Road, Lucknow - 226012
15. GOVERNING LAW
This Privacy Policy shall be governed by and construed in accordance with the laws of India.
16. CONSENT
By accessing or using GoInsure, you:
- Consent to the collection and use of information as described herein
- Acknowledge that data may be processed through BBPS and authorised partners
- Agree to this Privacy Policy in full