Privacy Policy

1. Introduction

Chhaya Technologies Ltd ("we", "us", "our") is committed to protecting the privacy and security of your personal data. This Privacy Policy explains how we handle your personal information and any personal information you give us as a member of your family or a beneficiary.

We also give you information about your legal rights and how to contact us. We may update our Privacy Policy from time to time. If we do this, we will post our new Privacy Policy on this webpage, which will take effect the day it is posted.

2. Information We Collect

Personal information means any information that relates directly or indirectly to an individual who is identified or identifiable either from that information or from that information in the possession of the information user. Certain personal information is classified as sensitive personal information.

Chhaya Technologies Ltd shall take all appropriate steps to ensure the personal information it collects is accurate, complete, not misleading and up to date having regard to the purpose for which the personal information was collected and further processed.

• Identity Data: Name, date of birth, and government-issued identification.
• Contact Data: Billing address, email address, and phone numbers.
• Financial Data: Payment card details and historical transaction data.
• Technical Data: IP address, browser type, and time zone settings.

3. How We Use Your Information

Our primary goal in using your information is to provide a seamless, tech-forward insurance experience. We process your data to perform contracts, comply with legal obligations, and pursue legitimate business interests that do not override your fundamental rights.

4. General & Contact Information

We collect general identification and contact information about you and other relevant individuals when you register with us for any of our services. This may include your first name, surname, address, telephone number, gender, date of birth, occupation, confirmation, and national identity number.

Maintaining accurate records is the bedrock of our reliability. We ensure that your general contact information is synchronized across our systems to prevent lapses in coverage.

5. Health & Insurance Services

When you use a health or counselling related product or service of ours, we will collect and record sensitive personal information about you. This will include information about your health, for example the information you provide us during the course of the insurance policy.

For specialized policies, we may process health-related data with the highest degree of security and care, ensuring your personal data remains private and protected in accordance with applicable data protection laws.

6. Use & Handling of Personal Information

Chhaya Technologies Ltd is committed to using and handling personal information in accordance with applicable data protection laws. We collect and use personal information only where we have a legitimate business reason to do so.

We use your personal information to: respond to requests about Chhaya's products and services; register you and other relevant individuals for the products and services you buy; assess your eligibility for planning and processing your premium and other payments; make or facilitate payments in relation to any products or services you buy; and communicate with you on important matters about any services you use.

7. Marketing

We use personal information about potential customers that we receive from our business partners to ask them if they are interested in our products and services.

In order to improve the products and services Chhaya Technologies Ltd offers, we also use personal information to carry out market research and services, including profiling activities. Unless you have told us that you do not wish to receive marketing communications from us, we may also use your personal information in order to provide direct marketing information to you about other products and services.

8. Telephone Records

We record our telephone conversations with our customers and potential customers. We do this so that we have evidence of their requirements and for quality assurance purposes. These recordings are stored securely and accessed only by authorised personnel for the purposes stated above.

9. Security

Chhaya Technologies Ltd takes information security responsibilities very seriously. We take appropriate technical and organizational security measures to prevent the loss, misuse, modification, unauthorized access or disclosure, alteration or destruction of your personal data.

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way. We limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know.

10. Sharing Personal Information

The nature of our business means that we need to share personal information with business partners and other third parties, some of whom may be located outside Bangladesh. This means that your personal information may be held on data servers and processed in countries outside Bangladesh.

We share information with our service providers as needed for providing our products and services. Our service providers include: insurers, reinsurers; third party claims administrators; insurance and reinsurance brokers and other intermediaries and agents; business partners; financial and fintech institutions; securities firms; medical professionals and providers of medical services.

11. Your Legal Rights

You have legal rights in relation to your personal information. You have the right to: access your personal information; correct inaccurate personal information; request erasure of your personal information in certain circumstances; object to or restrict our use of your personal information; request that we transfer your personal information to another organization; and withdraw your consent where we rely on consent to use your personal information.

You will not have to pay a fee to access your personal information or to exercise any of the other rights. However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive.

12. Sensitive Personal Information

If personal information is sensitive personal information, we will only collect it and use it with your explicit consent unless we are permitted to use it under applicable law. Sensitive personal information includes information about: racial or ethnic origin; political opinions; religious or philosophical beliefs; trade union membership; genetic or biometric data; health data; sex life or sexual orientation.

We may process your sensitive personal information in order to protect your vital interests, for the purposes of, or in connection with, any legal proceedings, or for the purposes of obtaining or establishing, exercising or defending legal rights.

13. How to Contact Us

Please contact us with any queries on data and personal information.

Email: info@chhaya.com.bd

Phone: +88017015XXX

Address: House 688 (4th Floor), Road-152, Gulshan Circle-7, Dhaka -1212, Bangladesh