5 reasons to get life insurance while you’re young and healthy

Introduction

This Privacy Policy for Prismera Technologies, operated and maintained by PRISMERA TECHNOLOGIES PRIVATE LIMITED, sets forth how personal information is obtained, stored, safeguarded, and utilized whenever you access our services or interact with the platform. Please note that this policy does not cover practices of external websites or third-party entities connected via links from Prismera Technologies.In this document, the terms “we,” “our,” and “us” exclusively refer to Prismera Technologies, while “you,” “your,” “user,” or “users” denote individuals engaging with the website. If you are not in agreement with the practices stated here, you should discontinue your use of Prismera Technologies. This Privacy Policy is to be read together with our Terms and Conditions, as both collectively outline the responsibilities and expectations tied to using our platform.

Information We Collect

To ensure smooth services, safety, and compliance, we gather different types of data when you make use of our platform. Personal data collected may include your full name, contact number, email, postal address, and where legally necessary, government-issued identity proofs such as PAN or Aadhaar for KYC verification.For enabling financial activities, we also obtain details like UPI IDs, bank account numbers, credit/debit card details, billing addresses, and payment invoices. We retain transaction records to satisfy compliance needs and to support user queries.Additionally, we capture technical details such as IP addresses, type and version of browsers, device model, operating system, login logs with timestamps, user interactions, referral data, and browsing pathways. This assists in enhancing service performance and strengthening security.Cookies and other tracking tools are also employed to save user preferences, maintain active sessions, detect fraud, perform analytics, and personalize your experience.

How We Use Your Information

Your data is not traded, rented, or sold to outsiders for promotional gain. Sharing occurs only under authorized circumstances. The information gathered is applied for:

• Processing transactions securely
• Authenticating customers and merchants
• Meeting legal or regulatory needs (KYC, compliance)
• Preventing, investigating, and responding to fraudulent actions or security risks
• Handling disputes and providing customer support
• Upgrading, developing, and maintaining the platform
• Delivering service-based notifications and alerts
• Conducting internal reviews, audits, and reporting
• Enhancing personalization of the interface and optimizing digital content
• Marketing our own services, strictly with user approval

How We Share Your Information

Though we never rent or sell your data, sharing with authorized entities may occur in these scenarios:a. Payment Partners and Banks – For transaction authorization and processing.b. Merchants – To validate and confirm successful transactions.c. Service Providers – Vendors handling operations like fraud detection, cloud hosting, IT maintenance, KYC checks, and analytics.d. Legal and Regulatory Authorities – In compliance with laws, subpoenas, or requests from authorized public agencies.e. Corporate Events – During a merger, acquisition, restructuring, asset transfer, or bankruptcy, your data may be treated as transferable business property.

Data Retention Policy

We retain both financial and personal records only as long as they serve business or legal obligations. For example, KYC submissions and financial records are generally preserved between 8 to 12 months depending on applicable legislation.After the legally required period, information is erased permanently or anonymized so it cannot be linked back to you.

Data Security Measures

Protecting your sensitive details is our top priority. We use robust encryption systems such as SSL/TLS during data transmission, and your financial details are stored on highly secure, industry-compliant servers.Our systems undergo periodic audits, penetration tests, and vulnerability checks. Confidential data is only accessible to authorized professionals who follow strict data security protocols. We employ advanced safeguards such as real-time fraud detection tools, multi-factor authentication, and data loss prevention mechanisms.Despite these strong precautions, no online transfer method is 100% risk-free. Users are encouraged to maintain strong passwords and avoid sharing login credentials.

User Rights and Choices

Depending on regional laws (such as GDPR), you may hold certain entitlements, including:

• Right to Access: Receive a copy of the information we hold.
• Right to Correction: Amend inaccurate or incomplete information.
• Right to Deletion: Request erasure of your personal data.
• Right to Withdraw Consent: Cancel any consent previously provided.
• Right to Restrict/Object: Restrict or oppose certain processing activities.
• Right to Data Portability: Ask for data in a structured, transferable form.

For exercising these rights, kindly reach out to us at info@prismeratechnologies.com.

Cookies and Similar Technologies

Our website utilizes cookies and related tracking mechanisms to maintain smoother functionality and to tailor user experiences. They help us recognize logins, store preferences, collect analytical insights, and detect unusual activities.You may regulate cookies directly through your browser settings. Keep in mind that disabling them may limit functionality or affect your ability to finalize transactions.

Third-Party Links and Services

Our services might incorporate links, plugins, or integrations from third parties such as banks, analytics providers, or KYC partners. We are not accountable for their privacy approaches, and you are advised to examine their respective privacy policies before disclosing information.

Children’s Privacy

The platform is not directed at persons below 18 years. We do not intentionally gather details from minors. Should such data collection be identified, it will be deleted immediately unless parental consent has been verified.

Changes to this Privacy Policy

We may periodically revise this Privacy Policy to align with new legal, business, or technological changes. Updates will always be available on this page with an updated “Last Modified” date. Users are encouraged to review the policy regularly.

Consent and Acceptance

By continuing to browse or use Prismera Technologies, you acknowledge understanding and acceptance of this Privacy Policy. If you disagree, you should refrain from further using the platform.

Contact Us

If you wish to raise a question, concern, or complaint about this Privacy Policy, please write to us at info@prismeratechnologies.com