Privacy Promise

Prudential HCL Health Insurance Limited (“PHI”, “we”, “us”, “our”) take the privacy and protection of your personal information seriously.
So, we have set out the information below about our processing of your personal information in connection with our provision of services to you or when you otherwise interact with us, what rights you have, and how you can get in touch if you want to know more. For the purpose of data protection laws, the data controller of your personal information is Prudential HCL Health Insurance Limited located at Suite 6, 48th Floor, Commerz III, International Business Park, Oberoi Garden City, Off Western Express Highway, Goregaon (East) Mumbai - 400063.

If you have any questions about anything in this Privacy Promise, or want to exercise any rights you may have, contact information can be found in the Contact Us section below.

We update our Privacy Promise from time to time, so feel free to check our website for the latest version - it's always the one that counts.

PART A - PERSONAL INFORMATION WE PROCESS

We may collect your name, phone number, email address, IP address and any other information you may provide to us. We aim to process only the information necessary to respond to your queries.

As we introduce new services, the personal data we process will increase. This section will be updated accordingly to reflect any changes.

PART B - WHERE WE GET YOUR PERSONAL INFORMATION

We may collect personal information from the following sources:

Directly from you - When you contact us, submit an inquiry, or provide information through our website and your interactions with us

Cookies - We may collect technical information like your IP address when you use our website

As we introduce new services, the personal data we collect will increase. This section will be updated accordingly to reflect any changes.

PART C - CHILDREN'S PRIVACY

Protecting children's privacy is important to us. We do not intentionally collect personal information from anyone under the age of 18. If you have any questions, please contact us through the information provided.

PART D - COOKIE POLICY

We use cookies and similar tools (like pixels and tags) on our website to improve your experience and understand how you interact with our content.

What are cookies?

Cookies are small text files stored on your computer or browser. They help us remember who you are and how you use our site.

Types of cookies we use:

1. First-party cookies - Set by us when you visit our website (like your preferred language).
2. Third-party cookies - Set by others (like advertisers or analytics tools).

Categories of cookies:

• Strictly necessary - Essential for the website to work (e.g., logging in).
• Performance/Analytics - Help us understand how people use our site so we can improve it.
• Functionality - Remember your preferences (like language or region).
• Marketing - Track your activity to show you relevant ads and may be shared with partners.

Consent:

By continuing to use our website, you agree to our use of cookies. You can manage or disable cookies at any time through your browser settings.

Contact Us:

For any queries or to exercise your data protection rights, please contact our privacy team through privacy.indiahealth@prudentialhealth.in

PART E - HOW WE USE YOUR PERSONAL INFORMATION AND WHY

This section identifies the personal information we collect from you and the purposes of processing. It also identifies the legal basis under which we process your personal information (where applicable under data protection laws). To the extent the data protection laws in your jurisdiction do not recognize legitimate interest or another legal basis specified in the table below for a particular purpose, you consent to our processing of your personal information by consenting and acknowledging this Privacy Promise.

WHO WE SHARE YOUR PERSONAL INFORMATION WITH AND WHY

We do not currently share your personal information with third parties, except service providers who help us operate this website.

This section will be updated if we begin offering services that require any additional sharing of information.

ACCURACY AND PROTECTION OF PERSONAL DATA

We will take reasonable efforts to ensure that any personal data we have about you is accurate and complete. However, this means that you must also ensure the accuracy of the personal data provided by you and update us of any changes to the personal data that you had initially provided to us in a timely fashion.

THIRD-PARTY SITES

Our website may contain links to other websites operated by third parties, which may be co-branded with our logo or trademark, even though they are not operated or maintained by us. We are not responsible for the privacy practices of such third parties that are linked to our website. Once you have left our website, we strongly encourage you to refer to the applicable privacy policy of the third-party website to determine how they will handle any information they collect from you.

SECURITY

We implement and update technical and physical security measures to safeguard your personal information against loss, misuse or unauthorized access on an ongoing basis. Our protective measures include [firewalls, data encryption, and access controls]. However, please be aware that transmitting information over the Internet is not completely secure, and no data storage system can be guaranteed to be entirely safe. While we strive to protect your personal information, we cannot guarantee the security of data transmitted to our sites; any transmission is at your own risk. We encourage you to recognize the important role you play in maintaining the security and confidentiality of your personal information.

RETENTION

We do not keep your data for longer than is necessary to fulfil the Purposes above. Your personal information may be stored either for as long as required by law or as is otherwise necessary for us to fulfil the Purposes above.

PART F - WE MAY USE YOUR PERSONAL INFORMATION TO MAKE AUTOMATED DECISIONS OR PROFILE YOU

We, Prudential HCL Health Insurance Limited, our Business Partners, and our Marketing Partners may use your personal information to make automated decisions in relation to providing product / services to you or to conduct other profiling (for example, marketing profiling).

To the extent that we conduct such automated decision-making activity, we'll provide you with further information at the appropriate time.

PART G - USE OF YOUR SENSITIVE PERSONAL INFORMATION

We do not currently collect any sensitive personal information from you. This section will be updated if we begin offering services that require any additional sharing of information.

PART H - YOU'RE IN CONTROL

When it comes to how we / your PHI representative (where applicable) use your personal data, you may have the right to:

• Right to Access : request a copy of your personal data (we have the right to charge a reasonable fee to complete this request) from us / your representative.
• Right to Correction : request that we / your representative correct anything that's wrong, or complete any incomplete personal data.
• Right to Grievance Redressal : complain to a data protection authority or another independent regulator about how your data is being used.
• Right to Erasure : request for erasure of the personal data we hold about you. We may need to retain personal information if there are valid grounds under data protection laws for us to do so.
• Right to Nominate : request that you would like to nominate another individual to exercise your rights in case of death or incapacity.

You can exercise these rights by contacting us, please refer to the contact us section below.

PART I - ACTING ON SOMEONE ELSE'S BEHALF?

If you give us personal information about another person (or persons), we'll take that to mean they have appointed and authorised you to act on their behalf. This includes providing consent to

• our processing of their personal information and
• you are getting any information protection Promises on their behalf.

If for any reason you are concerned as to whether you are permitted to provide us with the other person's information, please contact us at privacy.indiahealth@prudentialhealth.in below before sending us anything.

PART J - DIRECT MARKETING

We, Prudential HCL Health Insurance Limited, our Business Partners, and our Marketing Partners may send you information by post about our and the Prudential Group's products and services and carefully selected third parties, after having obtained your consent (if required by law).

Additionally, from time to time, we, Prudential HCL Health Insurance Limited, and the Prudential Group would like to contact you by electronic means with details about products, services and any special offers. We will only do this if you have consented to us contacting you by electronic means.

You may opt out of receiving marketing-related communications from us, Prudential HCL Health Insurance Limited, Prudential Group companies, our Business Partners and/or our Marketing Partners at any time by [clicking the Unsubscribe link at the bottom of the communication or by contacting us.]

And if you change your mind, and / or you would like to opt-out of receiving non-electronic direct marketing, it's easy to let us know through the following channels:

• If you do not wish to receive marketing materials from your representative, please write to your PHI representative at their usual contact address.
• If you do not wish to receive marketing materials from us, please write to privacy.indiahealth@prudentialhealth.in

Please note that if you opt out of marketing-related emails from us, we will continue to send you non-promotional messages.

For any further queries, please write to us at the below email.
privacy.indiahealth@prudentialhealth.in

ADVERTISING

We may partner with third party partners to display advertisements to you on websites you visit. These third party partners may use cookies and/or other technologies to gather information about your activities on our sites as well as other sites you visit in order to serve you based upon your browsing history and interests. We also use third-party solutions carry out advertising campaigns and send messages to consumers.

PART K - CONTACT US

If you want to exercise any of your rights or if you require any other information about any other part of this Promise, you can contact us in privacy.indiahealth@prudentialhealth.in

We may monitor or record calls or any other communication we have with you. This might be for training, for security, or to help us check for quality.

PART L - LANGUAGE

Except as otherwise prescribed by law, in the event of any discrepancy or inconsistency between the English version and local language version of this Privacy Promise, the English version shall prevail.

PART M - TERMS USED

The Prudential Group means Prudential Plc, Prudential Holdings Limited and any other affiliates of Prudential plc. Prudential Plc is not affiliated in any manner with Prudential Financial, Inc. a company with principal place of business is in United States of America or with the Prudential Assurance Company, a subsidiary of M&G Plc, a company incorporated in United Kingdom.

Business Partners means our service providers, accountants, auditors, IT service and platform providers and our legal advisers.

Marketing Partners means our service providers.