Privacy Policy

1. Introduction

This Privacy Policy outlines the types of information that Mitigata Insurance Brokers Pvt. Ltd. (a subsidiary of Alphawave Technologies Private Limited) collects through the Mitigata Console, Mitigata Mobile Application, and the Mitigata Insurance website. By accessing or using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Do Not Collect

We are committed to protecting your privacy. We explicitly do not collect:

• Payment Card Information (PCI) — All payment processing is handled by certified third-party payment gateways. We never store your card details.
• Protected Health Information (PHI) — We do not collect or process any health-related personal information.

3. Information Collected Via Technology

When you use our services, certain non-personally identifiable information may be automatically collected through analytics and monitoring tools, including:

• Log files and usage data for performance assessments and service improvement
• Device information such as hardware model, operating system version, unique device identifiers, and mobile network information
• Browser type, language preference, and referring site
• Date and time of access, pages viewed, and time spent on each page

4. Information You Provide

When you use our insurance marketplace, we may collect information that you voluntarily provide, including:

• Phone number for authentication and OTP verification
• Name and contact details for policy issuance
• Communication preferences for service-related notifications

5. Use of Information

The information we collect is used for the following limited purposes:

• Monitoring application performance, stability, and uptime
• Enhancing product features and security
• Processing and managing your insurance policies
• Providing customer support and claims assistance
• Sending policy-related notifications and updates
• Complying with regulatory and legal requirements

6. Sharing Information with Partners

We may share non-personally identifiable information with trusted partners who are bound by strict confidentiality agreements. These partners cannot use the shared information independently or for purposes other than those specified in our agreements. We may share your information with insurance partners solely for the purpose of policy issuance and claims processing.

7. Cookies and Tracking Technologies

Our website and applications may use cookies and similar tracking technologies to enhance your experience. These technologies help us understand usage patterns and improve our services. You can manage your cookie preferences through your browser settings.

8. Security Measures

We implement robust security measures to protect your information, including:

• Internal reviews of data collection, storage, and processing practices
• Encryption of data in transit and at rest
• Physical security safeguards at our office locations
• Access controls and authentication mechanisms
• Regular security audits and vulnerability assessments

9. Data Retention

We retain your information only for as long as necessary to fulfil the purposes outlined in this policy, or as required by applicable laws and regulations. Policy-related data is retained as per IRDAI guidelines and applicable insurance regulations.

10. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information, subject to legal and regulatory requirements
• Withdraw consent for data processing where applicable
• Lodge a complaint with the relevant data protection authority

11. Compliance with Legal Requirements

We may disclose your information in response to legal demands, such as subpoenas, court orders, or government requests, where we are required to do so by applicable law. We will make reasonable efforts to notify you of such requests unless prohibited by law.

12. Third-Party Links

Our services may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services you access through our platform.

13. Google API Disclosure

Our application's use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. We do not use Google API data for advertising or any purpose beyond the core functionality of our services.

14. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We encourage you to review this page periodically for the latest information on our privacy practices. Continued use of our services after any changes constitutes acceptance of the updated policy.

15. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us: