ValuEnable’s Privacy Policy

This Privacy Policy is effective from July 4, 2021 until next revision

1. Introduction

Welcome to ValuEnable .


ValuEnable Private Limited (“us”, “we”, or “our”) operates www.valuenable.in, a platform providing solutions (hereinafter referred to as “Service”) to address the customer retention issues faced by Life insurance companies. Our services have been designed to benefit both the insurance company and policyholders alike.


Our Privacy Policy governs your visit to www.valuenable.in, and explains how we collect, safeguard and disclose information that results from your use of our Service.


We use your data to provide and improve Service. By using our Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.


Our Terms and Conditions (“Terms”) govern all use of our Service and together with the Privacy Policy constitutes your agreement with us (“agreement”).

    2. Definition
  • Aadhaar Regulations: shall include Aadhaar (Targeted Delivery of Financial and other subsidies, Benefits and Services) Act, 2016, Aadhaar and other laws (Amendment) Act, 2019, Aadhaar (Authentication) Regulations 2016, Aadhaar (Data Security) Regulations, 2016 and other applicable regulations issued by Unique Identification Authority of India from time to time.
  • Consent: Consent means any freely given specific and informed indication of his/ her wishes by which the data subject or person authorized (by law or otherwise) to give information on behalf of the data subject signifies agreement to "Personal Data" or Customer Data or Insurance Data or "Personal Data or information" relating to him/her being processed. The consent from the Data Subject shall be obtained at the time of receiving the Data to ensure transparency with the Data Subject and in compliance with applicable laws including Aadhaar Regulations. The sharing of information without consent is allowed only under Prevention of Money Laundering Act, 2002 and not otherwise. The consent may be obtained by a number of methods. These may include clauses in employment contracts, check boxes on replies to application forms, and click boxes on online forms where Personal Data are entered or oral confirmation through IVR /telephonic mode, or including suitable clause in any other form etc.
  • Data Controller: The Data Controller is the "person" responsible for complying with the data privacy requirements and has full authority to decide how and why "Personal data" or customer data or insurance Data or "Personal information" is to be "processed" (this includes using, storing and deleting the data).
  • Data Subject: A data subject is a natural person who is the subject of Data, Information, Customer Data or Insurance Data or "Personal Data or information" or Sensitive Personal Data or Information of a person.
  • Insurance Data: means Data as to Life Insurance Policy(ies) issued by various Insurance Companies and shall also include the Data of Customer who holds Insurance Policy(ies).
  • Personal Data or Information: "Personal Data or information" means any information that relates to a natural person which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying or relating to such person or the property(s)/profession of a person or any other personal information of such person.
  • Sensitive Personal Data or Information: Sensitive Personal Data or Information of a person means such personal Data or information which consists of information relating to :-
    1. a. Password;
    2. b. Financial information such as Bank account or credit card or debit card or other payment instrument details or Aadhaar Number;
    3. c. Physical, physiological and mental health condition;
    4. d. Sexual history or orientation;
    5. f. Medical records and history as to any type of ailments and health status of insured and his/her family members;
    6. g. Biometric information of person or employee;
    7. h. Any detail relating to the above clauses as provided to body corporate for providing service; and
    8. i. Any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise
  • The User: Is the individual using our Service. The User corresponds to the Data Subject, who is the subject of Personal Data. This includes anyone who is browsing our portal.
    3. Purpose

    The purpose of this Policy is to enable ValuEnable Private Limited (referred from now under as ValuEnable) to:

  • Implement the reasonable security practices, procedures and Standards in ValuEnable so that the Personal Data or Information and/or Sensitive Personal Data or Information of a person and or all other Data, Insurance Data or Customer Data of whatsoever nature is securely handled and safe guarded by implementing such reasonable security practices, procedures and standards as is required by law.
  • Comply with applicable statutory provisions, rules and regulations in respect of data privacy and data protection including but not limited to the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Act, 2016; Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011 as amended from time to time.
  • Enable the Data Subject and third parties to know, understand and duly follow & comply with the Data Privacy Policy of ValuEnable while accessing, using and transmitting any Personal Data or Information and or Sensitive Personal Data or Information of a person or any other Data or Information of whatsoever nature.
    4. Transfer/Disclosure of data or information
  • Personal Data or Information and or Sensitive Personal Data or Information of a person and or all other Data of whatsoever nature, including Customer Data and Insurance data shall not be transferred or transmitted or disclosed or disseminated to any third person, legal entity, corporations, associations, firms, trusts, societies, non-profit organizations or any other legally formed entities or not legally formed association of persons/associations, country or territory, unless reasonable security practices, procedures and Standards are duly taken that are commensurate with the Personal Data or Information and or Sensitive Personal Data or Information of a person or any other Data or Information of whatsoever nature, including Customer Data or Insurance data, being transmitted, transferred or disclosed.
  • "Personal Data or Information" or Customer Data or Insurance Data may be communicated to any third persons, legal entity, corporations, associations, firms, trusts, societies, non-profit organizations or another legally formed entities or not legally formed association of persons/associations, country or territory only for reasons consistent with the purposes for which such data were originally collected or other purposes authorized by law.
  • Information regarding the purpose of collection, usage and reasonable Security practices, procedures and standards must be disclosed to the Data subject and/or any other person from whom Sensitive Personal Data or Information of a person is obtained.
  • The disclosure to Data subject may be given orally, electronically or in writing. If given orally, the person making the disclosures should use an approved and suitable script or form. The records should be retained establishing the fact, date, content, and method of disclosure.
  • The third party receiving the sensitive personal data or information from ValuEnable or any person on its behalf as hereinabove shall not disclose it further. ValuEnable to have such agreement/clauses with third parties to suitably safeguard sensitive personal data or information in this regard.
    5. Data Subject's Right

    With Reasonable policies, procedures and standards established by ValuEnable; Data Subjects shall be entitled to the information about his/her own "Personal Data” or Information" or "Sensitive Personal Data or Information” or “Insurance Data” upon specific written request to:

  • access, update or to delete the information we have on you;
  • rectified the information if that information is inaccurate or incomplete;
  • have your data removed from our systems (If you choose to delete your personal information, you may not be able to use certain functions that require your personal information to operate).
    6. Data Security
  • ValuEnable shall adopt appropriate and reasonable security processes, procedures and standards by way of managerial, technical, operational and physical security control measures that are commensurate with the Personal Data or Information and or Sensitive Personal Data or Information of a person or any other Data of whatsoever nature.
  • All information as to reasonable security process, procedure, controls and standards shall be implemented for security of Personal Data or Information and or Sensitive Personal Data or Information of a person or any other Data of whatsoever nature or Customer Data or Insurance Data in line with this Information Security Policy.
    7. Amendments to policy

    We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.