Privacy Policy

THIS PRIVACY POLICY (“PRIVACY POLICY”) SETS FORTH THE MANNER OF COLLECTION, USE AND DISCLOSURE OF INFORMATION GATHERED ON THE AFFORDPLAN WEBSITE. PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY CONTINUING TO USE THE SERVICES, OR ACCESSING THE WEBSITE YOU AGREE TO THE TERMS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THE SAME, YOU SHOULD NOT ACCESS OR USE THE WEBSITE OR AVAIL OF THE SERVICES.

This document is an electronic record in terms of the Information Technology Act, 2000 and rules framed thereunder, as applicable and in accordance with such other applicable provisions under applicable laws pertaining to electronic records in various statutes (as amended from time to time). This document is published in accordance with the provisions of Rule 3(1) of the Information Technology (Intermediary Guidelines) Rules, 2011 which require the publishing of the rules and regulations, Terms of Use and this Privacy Policy for access or usage of the Affordplan Platform (as defined hereinafter) for mobile and handheld devices and compliance with Digital Personal Data Protection Act, 2023. This electronic record is generated by a computer system and does not require any physical or digital signatures.

Affordplan is operated by ‘Usekiwi Infolabs Private Limited’, a company duly incorporated in India (“Company” or “Affordplan”). These terms of use (“Terms”) govern Your use of our website www.affordplan.com (“Website”) and our “Affordplan Swasth” application for mobile and handheld devices (“Application”) including any subdomains thereof are jointly referred to as the “Affordplan Platform”.

The following terms of the privacy policy are by and between the Company and the Customers/ Permitted User/ End User (“User” or “You” or “Your”) of the Affordplan Platform. The Company provides a platform through its Website and/or Application and provides Services.

This Privacy Policy does not apply to the websites of Our Merchants, business partners, corporate affiliates or any other third parties, even if their websites are linked to the Affordplan Platform. We recommend You review the respective privacy statements of the other parties with whom You interact.

By accessing the Affordplan Platform or otherwise using the Affordplan Platform, You expressly consent to Our collection, storage, use and disclosure of the User Data in accordance with the terms of this Privacy Policy. All information in this Privacy Policy applies to You unless otherwise indicated.

Please note: All information in this Privacy Policy applies to You unless otherwise indicated. In this Policy, the term “Personal Data” shall mean any data of an individual/ organization/ company who is identifiable by or in relation to such data.

Further, any and all terms not defined herein but capitalized shall derive the meaning from the Terms of Use or the Merchant Agreement or the User Agreement as the context so requires.

1. COLLECTION, STORAGE AND USE OF INFORMATION RELATED TO YOU

When the End User access or utilize the Affordplan Platform, these Users are required to provide certain Personal Data and non-personal information which may include (such information and correspondences hereinafter collectively referred to as “User Data”):

• Information about Your identity, including but not limited to, Your name/guest name, nationality, gender, marital status, age, email address, product details and particulars thereof (if any);
• KYC details including Aadhaar, Pan, etc.;
• Your financial information, such as Your banking details and any information relating to Your income;
• Your contact details such as Your physical addresses, postal addresses, telephone and fax numbers and the like;
• Your medical details such as details of disease or ailment, previous medical history or records etc.;
• Payment and Account Information: Your account history with Us including (without limitation) all billing information and communications, payment history etc.;
• Content, information about Your correspondents, and the destination/origin of communications between You and any other person using Our Services, which include email communications, blog, chat room and discussion board communications, instant message communications, experts forum communications, fax mail communications, membership of mailing lists etc. as applicable;
• Your usernames, passwords, email addresses and other security-related information used by You in relation to Our Services.

Other information may include:

• Cookies and electronic tools to gather data on individual interests for enhanced Affordplan Platform responsiveness. This includes server logs with details like web requests, IP addresses, browser type, language, date, time, and unique browser identifiers primarily for user authentication;
• location and device information while using the Application, using it to provide service-related suggestions if needed;
• Emails and other communications sent to Us are retained to process inquiries, respond to requests, and enhance services.

We may also collect payment information such as Your payment card number, expiration date, billing and shipping address. By using the Service, You consent to the recording, storage, and disclosure of such communications You send or receive for these purposes. We may also store and process prescriptions, treatment notes, recommendations and other data generated by Merchants on or through the Platform, and data shared by third parties such as diagnostics-related information; prescription-related information etc. and may retain such material for Our records for the duration of You availing the Services or for any such period required or permitted under applicable law in the form of images.

We collect only the User Data that We believe to be relevant and is required to provide effective Services that You voluntarily elect to provide Us. You may, at any instance, choose not to provide Us the User Data, however, in such a case We may not be able to offer You (partially or entirely, as the case may be) the Services provided by Us.

Additionally, We collect Your User Data in order to record, support and facilitate the provision of Services to You, including, via third parties whom You agree to engage with through the use of the Affordplan Platform, to assist You with insurance services, customer services, technical support issues, to follow up with You, to otherwise support Your relationship with Us and/or to prevent fraud and unlawful activities.

Please note: To make it easier to manage Your buying, You can open a User Account. This allows You to save Your personal settings; review previous plans availed and manage future planning. When You visit Our Affordplan Platform, even if You do not make a purchase, We may collect certain information, such as data that identifies Your computer/mobile device, device-specific settings and characteristics and latitude/longitude details etc.

2. PURPOSE OF USERS DATA

• We use Your Data to complete and administer Your online transactions through the Affordplan Platform.
• We offer the User Account facility on Our Affordplan Platform. We use the information You give Us to administer this, allowing You to manage Your Transactions, take advantage of special offers, make future Transactions more easily and manage Your personal settings.
• Managing personal settings allows You to see Transactions that You have undertaken using the Affordplan Platform before.
• When You undertake Transactions using the Affordplan Platform or set up the User Account, We may use Your contact information to send You news about similar offers and plans.
• We may also send to the Users regular newsletters by email. You can opt- out, or unsubscribe, from marketing communication at any time.
• Based on the information You share with Us, individualized offers may be shown to You on the Affordplan Platform, in mobile apps or on third-party applications, including social media websites.
• We may use the User’s Data for the detection and prevention of fraud and other illegal or unwanted activities or disclose the User’s Data if required as per applicable laws.
• The Affordplan Platform collects personal information such as name, phone number, address, and age, as well as, on occasions, including government ID as per healthcare and tax laws and regulations in the country for authentication of user/consumer and verification of authentic payment.

3. LINKS TO THIRD-PARTY WEBSITES AND ADVERTISING

We may use third-party service providers to process the End User’s Data on Our behalf for the purposes specified above. To further elaborate in this regard, We may instruct third parties to contact You.

We also work with third-party payment service providers to facilitate payment or payment guarantees. We also work with third-party advertisement networks to market Our services on other platforms or involve third-party providers for analytical purposes.

These third parties involved in any of these services will, as far as may be feasible, be bound by confidentiality agreements and will not be allowed to use the End User’s Data for any purposes other than those specified herein.

We may share information with Our business partner, for example, as part of the administration of Your account, in order to manage Your plan, so that they can address queries related to Your transaction and for marketing purposes. In this context, Your information is governed by the privacy policies of the respective business partners.

4. END USER’S DATA SECURITY SAFEGUARDS

We use reasonable security measures to protect information from unauthorized access, maintain data accuracy and help ensure the appropriate use/disclosure of information.

We host the Website in a secure server environment that uses firewalls and other advanced technology to prevent interference or access from outside intruders.

We have implemented meticulous technical, organizational, and security protocols to avert the inadvertent loss, misuse, or unauthorized access, alteration, or disclosure of Your Personal Data.

Furthermore, access to Your Personal Data is restricted to individuals such as employees, agents, contractors, and selected third parties, only when essential for legitimate business purposes and on a need-to-know basis.

These authorized entities will exclusively process Your Personal Data based on Our explicit instructions and are strictly bound by rules of confidentiality.

Additionally, We have established comprehensive procedures to address any suspected data security breaches. In situations where legal obligations dictate, We commit to promptly notifying You and relevant regulatory bodies of any suspected breaches.

5. LOYALTY PROGRAM

The End Users authorize the Company to collect, process, facilitate and remit payment collected electronically or through cash on pick-up for the facilitation of transactions between Merchant and the End User.

The End User expressly agrees and opts in for the Company to send any promotional and transactional messages by phone, email other means (even if listed in the TRAI’s DND list).

6. DATA RETENTION

We keep Your Personal Data and other information to enable Your continued use of the Affordplan Platform, for as long as it is required to fulfil the relevant purposes described in this Privacy Policy, like an ongoing contractual relationship or accounting needs, or when there is a legal storage need.

Data will be retained by the Company as suggested hereinabove, however, no claim shall be made by You or any stakeholder for the destruction of the Personal Data and other information.

7. NOTICE

Every request made to the User for consent with regard to the processing of the Personal Data shall be accompanied or preceded by a notice given by the Company to the User, informing the User of the Personal Data and the purpose for which the Personal Data is proposed to be processed.

Further, the notice shall include the right to withdraw and the right to seek grievance redressal by the User.

The notice shall also include the manner in which the User may make a complaint to the Data Protection Board as may be prescribed under the provisions of law time being in force.

8. CHANGES TO THIS PRIVACY POLICY

As We update, improve and expand the Affordplan Platform, we may change this Privacy Policy from time to time, so please refer back to it periodically as You will be deemed to be governed by the terms of such modified Privacy Policy, as it comes into effect from time to time.

9. DISCLAIMER

The Company does not store any account-related information or any credit/debit card details.

The Company shall not be liable for any loss or damage sustained by Users as a result of any disclosure (inadvertent or otherwise) of any information concerning the User's account, credit cards or debit cards in the course of any online transactions or payments made for any products and/or services offered through the Affordplan Platform.

In case any Personal Data is shared by You with the Company, which is not requested by the Company during registration, (whether mandatorily or optionally), the Company will not be liable for any information security breach or disclosure in relation to such information.

In no event will any delay, failure or omission (in whole or in part) in enforcing, exercising or pursuing any right, power, privilege, claim or remedy conferred by or arising under this Privacy Policy or by law, be deemed to be or construed as a waiver of that or any other right.

10. CONTACT US

If You have any questions, concerns, or requests regarding this Privacy Policy or Our data practices, please contact Us at info@affordplan.com or +91-92500 50501.

Thank You for using the Website!