Privacy Policy

Your privacy is important to us. Maintaining your trust and confidence is one of our highest priorities.We ensure secure transactions and strive to take reasonable care in the protection of information we receive during the course of us rendering services.

As used in this Privacy Policy, terms such as “we” or “our” or “us” or “Company” refer to Vats Multi ventures Pvt Ltd and Prandium Technologies OPC Private Limited. Aarogyapay platform and wallet and prepaid card is a product of Vats Multi ventures Pvt Ltd and Prandium Technologies OPC Private Limited is a software technology development company which built and manages the Aarogyapay platform and various products.

The purpose of this Privacy Policy (“Privacy Policy” / “Policy“), as amended from time to time, is to give you an understanding on how we intend to collect, store, transfer, disclose, process and use the information you provide to us through our website or mobile application (collectively known as “Aarogyapay Platform“).

This Privacy Policy may be subject to further changes including as may be warranted by change in law. Upon updating the Policy, we may revise the “Updated” date at the bottom of this Policy. We therefore request you to go through our Privacy Policy frequently to be updated with changes incorporated from time to time. Your continued engagement with us will imply your acceptance of such updates to this Policy.

If you do not agree to the terms of this Privacy Policy, please do not (i) access or use our Aarogyapay Platform, (ii) avail of services from us, and do not disclose your information to us.

By providing us your and/or your family members and/or your dependents information, you hereby (i) consent to the collection, storage, disclosure, processing and transfer of such information for the purposes as disclosed in this Policy and (ii) represent that you have taken the necessary consents from such persons to provide us with such information. You are providing the information out of your free will. You have the option not to provide the data or Personal Information / Sensitive Personal Data or Information (as defined below) sought to be collected if you do not agree with this Policy.

Applicability of Privacy Policy

The terms of this Privacy Policy are applicable to all individuals and entities that visit, access and / or avail of our services via the Aarogyapay Platform from whom we collect information, including insurers, healthcare providers, corporate clients and employees of corporate clients.

Collection of Information and Usage

We may collect certain Personal Information including Sensitive Personal Data or Information (as defined below) from you and/or your family members and/or your dependents while using our Aarogyapay Platform or directly from the concerned insurer and / or your employer, if applicable.

Personal Information means any information that relates to or identifies you and/or your family members and/or your dependents and may include name, identity card number, date of birth, employee code, email address, residential address, mobile number, alternate telephone number, etc.

Further, you would be required to give us certain Sensitive Personal Data or Information about you and/or your family members and/or your dependents. Sensitive Personal Data or Information shall mean such Personal Information which consists of information relating to

• Financial information such as bank account or any other payment instrument details;
• Physical, physiological and mental health condition;
• Medical records and history; and
• Any detail relating to the above

We inform you that our Aarogyapay Platform may collect certain Personal Information and/or Sensitive Personal Data or Information about you and/or your family members and/or your dependents such as medical and health records including but not limited to your prescription, test reports, past medical history, etc.

We understand that the Personal Information and/or Sensitive Personal Data or Information is extremely private to you and/or your family members and/or your dependents and assure you that it will be used only for providing required healthcare services as mutually agreed to be rendered by us, and as stated under this Policy.

While using our Aarogyapay Platform and for availing of any of our services, you would be required to give us your and/or your family members and/or your dependents Personal Information and/or Sensitive Personal Data or Information . This could be done post-login on our Aarogyapay Platform using the credentials given by us, which will be shared with you by email, which is unique to you and you will be required to change the password at the time of the first login.

When you visit our Aarogyapay Platform, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city or area you are located within for helping you in the selection of the right provider for the services you wish to avail. While using our Aarogyapay Platform, you may also be required to give us access to few files available on your device. In case you do not want us to use your location for the purposes set forth above, you should turn off the location services. We may use your photo gallery or camera only to facilitate the uploading of documents or files in certain flow but we will not access information without your explicit consent. You have the option not to provide us with consent or to subsequently revoke consent, for our use of your device’s camera/file and folders.

On receipt of express consent from the user, we collect certain information limited to the user’s name, email id and phone number provided by the user while installing and using the Aarogyapay web app, mobile app mobile app, we also collect certain non-identifiable aggregated health-related information of the user from Apple Health Kit to create a user profile which enables the user to automatically track their step count, water consumption, weight, calorie count and blood pressure. We do not store any payment details including but not limited to net banking, Credit card or Debit card details.

Access and use

You may be given the privilege to upload and store your and/or your family members and/or your dependents medical and health records on our Aarogyapay Platform to which only you shall have access by using your unique login credentials. This will help you have access to all your and/or your family members and/or your dependents medical and health records. We would like to reiterate that barring you, no one shall have access to these records except to the parties as mentioned in this Privacy Policy and such information shall be transmitted by us in encrypted form to avoid being hacked and decoded.

If you need to access your Sensitive Personal Data or Information, update or correct such information for any reason, you may do so by logging into the Aarogyapay Platform and / or writing to us at grievance@Aarogyapay.com and your Sensitive Personal Data or Information will accordingly be updated / corrected.

In the event you wish to know the names and addresses of the third parties your Personal Information has been disclosed to, you may request us for such information by writing to us at grievance@Aarogyapay.com . We will make all reasonable efforts to revert to you within a reasonable period of time, with the information that you require.

Personal informations processing

We would like to state that we collect Personal Information and/or Sensitive Personal Data or Information that is absolutely necessary and relevant for us to make your experience hassle-free, convenient, smooth and most importantly, safe. This will also help us in providing you with customized services, assist you with all your queries, resolve the issues faced by you, to follow up with you in order to ensure a long, sustained relationship and most importantly to safeguard you from any kind of fraudulent and unlawful usage.

Personal Information and/or Sensitive Personal Data or Information may be collected by us directly from you and/or your family members and/or your dependents for the purpose of providing healthcare services including inpatient & outpatient services, administration of health screening and wellness benefits.

Cookies

We use data collection methods/mechanisms such as “Cookies” on certain pages of the Aarogyapay Platform to help analyse our web page flow and promote trust and safety. “Cookies” are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of “Cookies”.

We also use “Cookies” to allow you to enter your password less frequently during a session. Most “Cookies” are “Session Cookies”, meaning that they are automatically deleted from your hard drive at the end of a session. You are free to decline our “Cookies” if your browser permits you to do so although we recommend strongly that you allow them to ensure you have access to all of our services.

Data Storage & usage

All your Personal Information and/or Sensitive Personal Data or Information is hosted and/or processed by us at the Company’s data center partners cloud/web  servers situated in India or/and at location(s) in India as the Company may so desire to store.Your and/or your family members and/or your dependents’ Personal Information and/or Sensitive Personal Data or Information is retained by us only for the purpose of providing the required services or for historical or statistical or legal purposes and such retention shall be for a period required to fulfil such purposes and / or as required under applicable law.

Transferring / Sharing of Information and details

We respect your privacy and hereby declare that we do not transfer and / or disclose your and/or your family members and/or your dependents’ Personal Information and/or Sensitive Personal Data or Information except as under:

• To law enforcement agencies in connection with an investigation having the interest of general public at large, after having been approved by the due process of law;
• To our associates and affiliates to help detect and prevent fraud, identity theft and other illegal activities, correlate related or multiple accounts to prevent abuse of our services; and to facilitate joint or co-branded services that you request where such services are provided by more than one corporate entity;
• To our full time employees and associates on a need to know basis for the purpose of enabling the Company to provide the necessary services to you;
• With our empaneled healthcare providers on a ‘need to know’ basis for the purpose of enabling the Company to provide the necessary services to you;
• We shall also share such information with our associates or affiliates should the Company decide to undergo restructuring in anyway or is acquired by any other entity and ensure that in such an event the other entity continues to follow this policy strictly;
• With your employer or its authorized representatives, if applicable, and on receipt of a formal request from your employer and upon receipt of necessary approval(s).
• With our third party software service providers for improving our healthcare and wellness tech services and enabling us to make calls, sms, email, notifications etc.

Advertisements, promotions and links to third-party websites

Our Aarogyapay Platform may contain certain advertisements and links to third-party websites. We would like to clarify that we do not control or guarantee the accuracy, safety and integrity of the Personal Information and/or Sensitive Personal Data or Information you provide, if you choose to, share your information with these advertisers and third-party websites. It is, therefore, advised that you go through their terms and conditions and privacy policy before providing any Personal Information and/or Sensitive Personal Data or Information about yourself and/or your family members and/or your dependents on these websites.

Safety Precautions and norms

We have stringent, strong, security measures undertaken to ensure against the loss, misuse or alteration of Personal Information and/or Sensitive Personal Data or Information about you and/or your family members and/or your dependents with us. We shall take all necessary precautions to safeguard your information and protect it from any unauthorized use. We have SSL Certificate issued by trusted certification authority and other safety measures in place to guard your information with us against any theft or unlawful usage or modification thereof. You are advised, however, that internet technology is not 100% safe and you should exercise discretion on using the same.

Consent by the user

By using our Aarogyapay Platform and providing your and/or your family members and/or your dependents’ Personal Information and/or Sensitive Personal Data or Information, you hereby consent to the collection, storage, disclosure, transfer, processing and usage of your and/or your family members and/or your dependents’ Personal Information and/or Sensitive Personal Data or Information by us as per the terms of this Privacy Policy. Kindly frequent this section to keep yourself updated of any changes made by us in the Privacy Policy.You hereby confirm to the Company that you have taken necessary consent from your family members and/or your dependents for submission of their Personal Information and/or Sensitive Personal Data or Information with us.

User Rights for opting out: The Company respects your privacy considerations and hence provides an option to you, to not provide the Personal Information and/or Sensitive Personal Data or Information sought to be collected. Further, you can also withdraw your consent which was earlier given to the Company, and the same must be communicated to the Company in writing. However, we inform you that on your electing to opt out (as envisaged in this section) or on withdrawal of your consent, the Company may not be in a position to provide you necessary services / benefits for which the Personal Information and/or Sensitive Personal Data or Information was sought to be collected.You can stop all collection of information by the mobile application easily by uninstalling the mobile application from your device. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application.Further, you will have the option to not provide your consent, or withdraw any consent given earlier, provided that the decision to not provide consent / withdrawal of the consent is communicated to us at grievance@aarogyapay.com

Writing to Grievance Officer

The name and contact details of the Grievance Officer is provided hereunder to address all your queries and grievances in accordance with the Information Technology Act, 2000, and Rules made thereunder.

Email address: grievance@aarogyapay.com

If you have any reason to believe that we or any company associated with us has misused any of your and/or your family members and/or your dependents Personal Information and/or Sensitive Personal Data or Information please contact us immediately and report such misuse.We can address any questions, comments and concerns about our online privacy practices and policy. Please write to our Grievance Officer at the above mentioned email address.

Governing rules and laws applicable

If you choose to visit our Aarogyapay Platform, your visit/use and any dispute over privacy is subject to this Privacy Policy and the Aarogyapay Platform’s terms of use. In addition to the foregoing, any disputes arising under this Privacy Policy shall be governed by the laws of India.

This Privacy Policy is compliant with the provisions of the Information Technology Act, 2000 and Rules made thereunder including any modifications or amendments made thereto. The Company may make necessary changes to this Privacy Policy consequent upon any changes or modification in the law. It is hence imperative that you frequently read this Privacy Policy to keep yourself updated of any changes made by us.