PRIVACY POLICY

Last Updated: 23rd May 2022

TejRe (“TejRe” or “we”) respects your right to privacy. This Privacy Policy applies to personal information that TejRe collects, shares and uses and how you can exercise your privacy rights.

TejRe offers a Software-as-a-Service solution for risk transfers and other workflow software solutions for the insurance and reinsurance markets (our “Services”). For more information about TejRe, please see www.tejre.com (our “Site”).

INFORMATION WE COLLECT AND WHY WE COLLECT IT In general, we collect personal information from or about you for the purposes described in this Privacy Policy or for purposes that we explain to you when or before we collect your personal information. We also may use your personal information for other purposes that are not incompatible with the purposes that we disclose to you but only when permitted by applicable laws.

1. We collect the information that you provide to us. When you use our Site or Services, we may ask you to provide certain personal information and other information.
   
   

   Personal Information that TejRe Collects	Why TejRe Collects the Personal Information
   Business Contact details, including name, telephone numbers, email address and postal address.	To respond to your correspondence and requests and otherwise communicate with you For billing purposes To obtain your feedback regarding our Site or Services To send you information about our Services that we think will interest you
   User credentials, including name, email address, job title, office address, device type and ID and other personal information that you or your employer choose to provide to us.	To set up and maintain your account To monitor and enforce compliance with our Terms of Service or other agreement with you or your employer For customer service and support for our Services
   Information you give us when you fill out an on-line information request form or send us an email.	To respond to your request in the form or email To learn more about your products or services if you are a prospective or current vendor or service provider To process your application if you apply for a job with us

   
   Users of the Services also may upload personal information when requesting a quote or sharing materials. TejRe does not review this uploaded information to determine whether it contains personal information and processes the uploaded information only as necessary to provide the Services for users of the Services, as described in the TejRe Terms and Conditions . If you have questions about whether one of TejRe’s customer has uploaded your personal information to the Services, please contact that customer.
   
   
2. We automatically collect information when you use the Site or Services.
   We automatically collect certain information from your computer or mobile device when you use the Site or Services. Some of this automatically collected information is personal information under certain laws.
   
   The information that we automatically collect includes:
   
   • Information about how your computer or device interacts with our Site and Services, including the date, time, search requests and results, the pages accessed and links clicked
   • IP address, broad geographic location (e.g., country or city-level location which TejRe derives from other data), device type, device identification number, browser type, operating system and other technical information
   
   We use this automatically-collected information:
   
   • To provide the Site and Services
   • For pricing and billing purposes
   • To better understand how the Services are used so that we can update and improve the quality of the Services and develop new ones
   • For our analytics purposes, such as to track usage of our Site, to measure the number of unique visitors to the different sections of our Site, to understand how people find our Site and to help us make our Site and marketing more useful
   • To send you information about our Services that we think will interest you
   • To address suspected or detected unauthorized and illegal activity on or through the Services, such as scraping or fraud, prevent recurrence and design countermeasures
   • Detect security incidents
   • Identify and repair bugs in the Services
   
   Some of this information is automatically collected using cookies and similar tracking technology. See our NOTICE ABOUT COOKIES AND TRACKING TECHNOLOGY below.
   
   
3. We collect information from third party sources
   From time to time, we may receive personal information about you from third-party sources, which include:
   
   • Your employer which may provide us with your business contact information in connection with use of the Services on behalf of your employer.
   • Marketing partners that help us identify individuals who may be interested in learning more about the Services and to supplement personal information we already have about you, such as when we acquire an email list from a marketing partner
   • Resellers and other business partners that may share personal information with us when we offer “white label” access to the Services.

We only accept personal information from third parties when we have confirmed that these third parties have your authorization or are otherwise legally permitted or are required to disclose your personal information to us.

HOW TEJRE SHARES PERSONAL INFORMATION
We may disclose your personal information to the following categories of recipients:

• Service providers, such as payment card processors, that help us provide the Services and Site for you;
• Marketing partners that help us identify individuals who may be interested in learning more about the Services and to supplement personal information we already have about you, such as when we acquire an email list from a marketing partner
• Competent law enforcement, regulatory or other government agencies, courts or other third parties when we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• Potential acquirers and their agents and professional advisers in connection with any proposed purchase, merger or acquisition of any part of our business. We will inform the buyer that the terms of this Privacy Policy apply to your personal information;
• With resellers and other business partners with which we share personal information in order to offer “white label” access to the Service; and
• Any other person with your consent to the disclosure.

NOTICE ABOUT OUR USE OF COOKIES AND SIMILAR TRACKING TECHNOLOGY
We use cookies and other data tracking technology to collect and use personal information about you. We also may allow others to use cookies and similar technologies (e.g., pixels) to recognize you and/or your device(s) when you use the Site or Services.

What are cookies?
Cookies are small text files that are sent to or accessed from your web browser or your computer’s hard drive. A cookie typically contains the name of the domain (internet location) from which the cookie originated, the “lifetime” of the cookie (i.e., when it expires) and a randomly generated unique number or similar identifier. A cookie also may contain information about your computer, such as user settings, browsing history and activities conducted while using the Site and certain Services.

TejRe may also use “pixels” (also known as web beacons). Pixels are transparent images that are used in collecting information about website usage across websites and over time.

Cookies that TejRe sets on the Site or through the Services are called first-party cookies. Cookies set by any other party are called third-party cookies. Third-party cookies enable third-party features or functionality on or through the Site or through the Services, such as analytics, marketing automation and customer support. The parties that set third-party cookies can recognize your computer both when it visits the Site and also when it visits certain other websites.

Most browsers accept cookies automatically but allow you to disable them. You also can opt-out of certain cookies using the following link: [•]. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Some features of our Site and Services may not work properly without cookies.

Some web browsers (including Safari, Internet Explorer, Firefox and Chrome) incorporate a “Do Not Track” (“DNT”) or similar feature that signals to websites that a user does not want to have his or her online activity and behaviour tracked. If a website that responds to a particular DNT signal receives the DNT signal, the browser can block that website from collecting certain information about the browser’s user. Not all browsers offer a DNT option and DNT signals are not yet uniform. For this reason, many website operators, including TejRe, do not respond to DNT signals.

Why does TejRe use cookies and other tracking technology?
Some cookies are required for the Site or Services to operate. Other cookies enable us to track the interests of Site users, to enhance the experience the Site and to target advertising.

The types of cookies served the Site and why they are used is as follows:

• “Strictly necessary” cookies are required to allow us to deliver the Sites to you and to provide specific services that you request from us.
• “Performance” or “Analytics” cookies help us to collect information about how visitors use the Site and helps us analyse and improve the Site. Performance or analytics cookies remain on your computer after you close your browser until you delete them.
• “Advertising” cookies are used to make advertising messages more relevant to you. They help to display advertisements that are based on your inferred interests, prevent the same ad from appearing too often and ensuring that ads are properly displayed for advertisers.

We also use Google Analytics (including Double Click). Google Analytics provides us with demographic data about Site users, such as age and gender. Google uses a cookie that Google or its affiliate DoubleClick recognizes when you visit other websites. For more information about how Google collects, uses, and shares your information, please visit the Google Privacy Policy-Partners website at https://www.google.com/policies/privacy/partners/ or Google’s Privacy Policy.

Google uses cookies to help us analyse how visitors use the Site. The information generated by the cookie about your use of the Site (including your IP address) will be transmitted to and stored by Google on servers in the United States. On behalf of TejRe, Google will use this information to evaluate your use of the Site and compile reports on your activity for us and third parties who help operate and provide services related to TejRe. Google will not associate your IP address with any other data held by Google. You may refuse the use of these cookies by selecting the appropriate settings on your browser as discussed in this notice.

Google has developed an opt-out browser add-on; if you want to opt out of Google Analytics, you can download and install the add-on for your web browser.

Pixels and similar data collection technology enables TejRe to monitor the traffic patterns of visitors from one Site page to another, to deliver or communicate with cookies, to understand whether you visit the Site after seeing our online advertisement displayed on a third-party website, to improve performance of the Site and to measure the success of our email marketing campaigns.

TejRe currently does not serve targeted advertisements on the Site. TejRe may use information about your visits to the Site to provide relevant advertisements on other websites. TejRe and third parties also may deploy technology that measures the effectiveness of the advertisements on other websites by using cookies or web beacons to collect information about your visits to the Site and other websites to provide advertisements on other websites about goods and services that may interest you. The information collected through this process does not enable us or the third parties to identify your name, contact details or similar directly identifying details unless you choose to provide them.

HOW TEJRE PROTECTS PERSONAL INFORMATION
We use technical, physical and administrative safeguards intended to protect the personal information that we collect from and about you. Our safeguards are designed to provide a level of security appropriate to the risk of processing your personal information and include (as applicable) measures to ensure the ongoing confidentiality, integrity, availability and resilience of processing systems and a procedure for regularly testing, assessing and evaluating the effectiveness of technical and organizational measures for ensuring the security of the processing of personal information.

You are responsible for maintaining the security of your account credentials for the Services. TejRe will treat access to the Services through your account credentials as authorized by you. We may suspend your use of all or part of the Services without notice if we suspect or detect any breach of security. If you believe that information you provided to us is no longer secure, please notify us immediately using the contact information provided below.

If we become aware of a breach that affects the security of your personal information, we will provide you or your employer with notice as required by applicable law. To the extent permitted by applicable law, TejRe will provide its notice to you through the email address associated with your account.

UNAUTHORIZED ACCESS TO THE SITE OR SERVICES – INCLUDING SCRAPING – IS PROHIBITED AND MAY LEAD TO CRIMINAL PROSECUTION.

HOW TEJRE RETAINS PERSONAL INFORMATION
We retain personal information for as long we have a legitimate business need to do so, such for the duration of your subscription or to comply with applicable legal, taxation or accounting requirements.

When we have no longer have a legitimate business need to process your personal information, we follow our information governance procedures and either delete or anonymize your personal information. If we cannot delete or anonymize your personal information, then we will segregate and securely store your personal information until deletion or anonymization is possible.

CHILDREN’S PRIVACY
The Site and Services are not intended for use by minors (i.e., children under the age of majority if older in a particular jurisdiction) or to collect personal information from minors.

TejRe does not knowingly collect personal information from minors. Consistent with the requirements of applicable law, if we learn that a minor has improperly provided us with personal information, we will use that information only to respond directly to that child (or his or her parent or legal guardian) to inform the minor that he or she cannot use the Sire or Services and subsequently will delete that information.

Please note that users of the Services also may upload personal information when requesting a quote or sharing materials through the Services as described in the TejRe Terms and Conditions https://www.TejReplatform.com/TejRe-platform-terms/ . TejRe does not review this uploaded information to determine whether it contains personal information. If you have questions about whether one of TejRe’s customer has uploaded any specific category or pieces of personal information to the Services, please contact that customer.

We provide information about how we use and disclose personal information above in this Privacy Policy.

Our legal basis for collecting and using personal information depends on the context in which it is collected. Generally, we only collect personal information from you only when we need the personal information to perform a contract with you (such as when you subscribe to our Services), when we have your consent to do so or when the processing is in our legitimate business interests and not overridden by your privacy or other fundamental rights and freedoms (such as when we process personal information to provide our Services to you). In some cases, we also may have a legal obligation to collect personal information from you.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether providing your personal information is mandatory and the possible consequences if you do not provide your personal information.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), this interest is typically to provide our products and services and communicating with you as necessary to provide our services to you and for our legitimate commercial interest, for instance, when responding to your queries, improving our products and services, advising you of product features or new releases, informing you of product maintenance, or undertaking marketing activities. We may have other legitimate interests and if appropriate we will make clear our legitimate interests at the relevant time.

If you have questions about or need further information concerning the legal bases on which we collect and use your personal information, please contact us using the contact details provided below.

If you would like to review, correct, update, suppress, restrict or delete personal information that you have previously provided to us or if you would like to receive an electronic copy of your personal information for purposes of transmitting it to another company (where this right to portability is provided to you by law), please submit your request to us by email to support@relayplatform.com

In your request, please make clear what personal information you would like to have changed, whether you would like to have your personal information suppressed from our database or other limitations you would like to put on our use of your personal information. For your protection, we only fulfil requests for the personal information associated with the particular email address that you use to send us your request, and we may need to verify your identity before fulfilling your request. We will try to comply with your request as soon as reasonably practicable and within the time periods required by applicable law.

Please note that we often need to retain certain personal information for recordkeeping purposes and/or to complete any transaction that you began prior to requesting a change or deletion (e.g., when you make a purchase or enter a promotion, you may not be able to change or delete the personal information provided until after the completion of such purchase or promotion). Our databases and other records may have residual personal information which will not be removed. We also may not allow you to review certain personal information for legal, security or other reasons.

Please note that users of the Services also may upload personal data when requesting a quote or sharing materials through the Services as described in the TejRe Terms and Conditions. TejRe does not review this uploaded information to determine whether it contains personal data. If you have questions about whether one of TejRe’s customer has uploaded your personal data to the Services, please contact that customer. for more information. Please also read our Privacy Shield Policy immediately below to learn more about how to resolve complaints about your personal information processed by or on behalf of Relay.

UPDATES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time in response to changing legal, technical or business developments. When we update our Privacy Policy, we will post the updated version and change the Effective Date above. We also will take appropriate measures to inform you in advance so that you have an opportunity to review the revised Privacy Policy before it is effective. If your consent is required by applicable privacy laws, we will obtain your consent to changes before the revised Privacy Policy applies to you.

HOW TO CONTACT US
If you have any concerns or questions about any aspect of this Privacy Policy, please contact our Privacy Policy Coordinator as follows:

TejRe Insuretech Private Limited.
support@relayplatform.com

https://in.godaddy.com/legal/agreements/cookie-policy