Privacy Policy

This Privacy Policy applies to the Point of Sales Person (“POSP”) Platform ("POSP Platform"), operated by Jio Insurance Broking Limited ("Company", “JIBL”, "we", "our", or "us"), a Direct Insurance Broker registered with the Insurance Regulatory and Development Authority of India (“IRDAI”) under Registration No 347. This policy explains how we collect, use, disclose, and safeguard the personal information of individuals ("you" or "POSPs") who register, onboard, train, certify, and operate through our POSP Platform available via website or mobile application.

The Platform enables you to complete onboarding, KYC, training, examination, certification, and authorized insurance solicitation in accordance with IRDAI guidelines. By accessing or using this Platform, you consent to the practices described in this Policy.

This Privacy Policy applies to all current and prospective POSP agents who access, register, or use the POSP Portal. This policy is in accordance with applicable Indian laws, including the Information Technology Act, 2000, the IRDAI (Insurance Brokers) Regulations, 2018, the IRDAI Guidelines on POSPs Life and Non-Life and the Digital Personal Data Protection Act, 2023.

Applicable Law: Includes the Information Technology Act, 2000, the SPDI Rules, the Digital Personal Data Protection Act, 2023, IRDAI regulations and other relevant laws.

Personal Data: Any data that relates directly or indirectly to an identifiable individual, including sensitive personal data such as Aadhaar, PAN, health, and financial details.

Platform: The POSP onboarding platform of the Company used for registration, KYC, training, examination, certification, and business facilitation.

POSP: Point of Sales Person registered with Company for the solicitation of permitted insurance products.

By using this Platform and registering as a POSP, you confirm that:

• You have read, understood, and agree to this Policy.
• You grant consent to the collection, use, sharing, storage, and processing of your Personal Data by Company as per this Policy and the Applicable Law.
• You authorize the Company to contact you through phone, email, SMS, WhatsApp, or other communication channels, even if you are registered under DND/NCPR.

We may collect the following categories of data:

a) IDENTITY & CONTACT INFORMATION

• Full Name, Father’s/Mother’s Name, DOB, Gender, Photograph
• PAN and Aadhaar (voluntarily)
• Email address, mobile number, residential address

b) PROFESSIONAL & EDUCATIONAL DETAILS

• Education qualification certificates (e.g., 10th Pass certificate)
• Other relevant certificates and marksheets required for eligibility checkss

c) KYC DATA (apart from what is collected under “IDENTITY & CONTACT INFORMATION”)

• Live Photo/Video (for KYC verification))
• Digital signatures
• IP address, device ID during the verification process

d) TRAINING & CERTIFICATION DATA

• Training attendance logs, module completion status
• Examination scores, results, and dates
• Assessment documents and certification records

e) FINANCIAL & TRANSACTIONAL DAT

• Bank account details (Account number, IFSC) for penny-drop verificatio
• Bank passbook copy or cancelled chequ
• If appointed as POSP: Commission data, payouts, and incentives earned

f) DEVICE, USAGE & TECHNICAL DATA

• Browser type, session history, device type
• Login metadata, cookies, usage logs, clicks

g) THIRD-PARTY/REFERRAL DATA

• Employer or partner referral information
• Data obtained through Account Aggregators or government APIs (VAHAN, CKYC, UIDAI)

In addition to Personal Data, we may collect certain Non-Personal Information (NPI) when you access or interact with our POSP Platform. This information, by itself, does not identify you personally but helps us understand usage patterns and improve our services.

EXAMPLES OF NON-PERSONAL INFORMATION WE COLLECT

• Device information such as device type, operating system, screen size, and browser version
• IP address, time zone, network service provider, and general location (city/region)
• Platform usage patterns: page views, click paths, training module time logs, login/logout timestamps
• Error codes, crash diagnostics, and session flow analytics
• Referral source, campaign metadata (e.g., UTM parameters, QR scan codes)

HOW WE USE THIS DATA

• To enhance the Platform's stability, performance, and user experience
• To analyze training module effectiveness and agent engagement
• To detect suspicious or unauthorized activities
• To support debugging and system diagnostics
• For marketing campaign evaluation and optimization
• To generate aggregated statistical insights that do not identify any individual

We may also combine or anonymize this data for analytics and reporting. Such de-identified or aggregated data may be shared with our partners, government authorities, or used internally without compromising your privacy.

• Directly provided by you via digital forms and uploads
• Captured during KYC and remote verification
• Collected through third-party verification agencies, if authorized by you
• Automatically captured during use of the portal or app (cookies, device info, location)
• From public databases or regulators (e.g. VAHAN, UIDAI) with consent

Your data is collected and processed for the following lawful purposes:

• To onboard you as a POSP under IRDAI guidelines
• To complete mandatory KYC, background and verification checks
• To deliver training modules and conduct examinations
• To maintain records of certifications and approvals
• To allow you to access and solicit approved insurance products
• For communication related to your business activities
• To address queries and resolve service requests
• To personalize and improve our platform features and offerings
• To enforce our terms and meet contractual obligations
• To inform you about service updates, promotions, offers, policy reminders, and industry trends
• Detecting fraud, identity theft, impersonation, or misrepresentation
• Sharing with IRDAI or law enforcement when legally required
• Maintaining compliance logs, and audit trails
• To comply with regulatory and legal obligations

Some features of this Website or our Services will require you to furnish your personally identifiable information as provided by you under your account section on our website.

We may share your Personal Data, strictly on a need-to-know basis and in accordance with Applicable Law, with the following categories of recipients:

a. REGULATORY AND STATUTORY AUTHORITIES

We may disclose your information to the Insurance Regulatory and Development Authority of India (IRDAI), government agencies, law enforcement bodies, or judicial authorities as required under law, including for compliance with POSP licensing, training, and audit obligations.

b. INSURER PARTNERS AND SERVICE PROVIDERS

We share your data with insurer partners, empaneled training entities, certification agencies, and background verification partners to complete your onboarding, registration, and sales enablement under POSP guidelines.

c. TECHNOLOGY AND INFRASTRUCTURE VENDORS

We engage cloud service providers, hosting companies, analytics platforms, and customer support tools to operate and improve the Platform.

d. AFFILIATES AND GROUP ENTITIES

We may share data with our group companies or affiliates for joint business purposes or integrated services, such as payroll or field servicing.

e. FRAUD PREVENTION AND RISK CHECKS

We may share data with third-party fraud detection tools or agencies to prevent identity theft, misrepresentation, or impersonation.

f. ANONYMIZED OR AGGREGATED DATA

We may use and share aggregated data (which cannot identify you individually) for business insights, analytics, or reporting.

g. BUSINESS TRANSFERS

In the event of a merger, acquisition, asset sale, or restructuring of JIBL or its POSP business, your data may be shared or transferred as part of that transaction, with appropriate safeguards.

h. WITH YOUR CONSENT

In specific cases where you opt into a service or integration, we may share your data with selected partners with your explicit consent.

We do not sell your personal information to any third party. All disclosures are made under strict confidentiality and only for lawful, legitimate purposes.

We may use cookies, pixel tags, web beacons, mobile device IDs, "flash cookies" and similar files or technologies to collect and store information in respect to Your use of the Platform. You can erase or choose to disable/block these cookies through Your Device/browser settings. You can configure Your browser to alert You when we attempt to send You a cookie with an option to accept or refuse the cookie. If You have turned cookies off, You may be prevented from using certain features of the Platform and this may interfere with certain functionality of the Platform.

We may collect:

• IP address, OS type, device make and model, time/date stamp
• Social login data (if applicable), including your name, profile image, or email from Google/Facebook if used to register
• Network metadata, browser version, crash logs

Our Platform does not install or use browser extensions or plugins. If such features are introduced, we will obtain your explicit consent.

We retain your information for as long as required under applicable laws and regulatory guidelines, or until necessary for our lawful business purposes, whichever is later. Post-deactivation or termination, certain data may be retained for audit, taxation and compliance requirements.

We employ appropriate technical and organizational security measures at all times to protect the information we collect from you. We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. Further, you are responsible for maintaining the confidentiality and security of your login id and password, and may not provide these credentials to any third party.

We store and process your data primarily in India. If any cross-border data transfer becomes necessary (e.g., cloud processing), it will be done in compliance with Indian laws and adequate safeguards.

If your employer, business partner, or referrer submits your details, we rely on their assurance that you have provided consent. Such data will be handled under this Privacy Policy.

As a User, you have the following rights:

• Right to Access: Request copy or summary of personal data we process.
• Right to Correction: Request update, rectification, or completion.
• Right to Erasure: Seek deletion (subject to legal/regulatory necessity).
• Right to Withdraw Consent: You may revoke consent at any time; however, doing so may deactivate your account or restrict functionality.
• Right to Nominate: You may appoint a nominee to exercise your rights in the event of incapacity or death.
• Right to File a Complaint: You may file a complaint with the Grievance Officer or with the Data Protection Board of India (once constituted).

By registering as a POSP, you explicitly authorize us to send communications via email, SMS, WhatsApp, in-app notifications, or calls, regardless of DND status. You can manage preferences via your profile settings or by contacting us. You may opt out of promotional messages by writing to: nodalofficer@jioinsure.in.

Our portal may contain links to third-party websites or partner portals. We are not responsible for their privacy practices or content. Users are advised to read the privacy policy of those sites before sharing any information.

We may amend or modify the Privacy Policy at anytime, as and when the need arises. We request you to regularly check this Privacy Policy from time to time to keep you apprise of changes made in the Policy. Your continued use of the Platform gives your unconditional acceptance to such changes in terms of Privacy Policy.

This Privacy Policy and your use of the Platform shall be governed by the laws of India. Disputes, if any, shall be subject to the exclusive jurisdiction of the courts of Mumbai, Maharashtra.

For queries or grievances related to this policy:
Email: posp.support@jioinsure.in
Address: 1st Floor, B Wing, Building 25, Dhirubhai Ambani Knowledge City (DAKC), MIDC, Kopar Khairane, Navi Mumbai, Maharashtra - 400 710
Please note that the details of the Contact Person may be changed by us from time to time by updating this Privacy Policy.