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Universal Insurance Brokers Services Pvt. Ltd. (UIB) and its subsidiaries ("we"/"our"/"our company") take your ("you"/"your"/"your company") privacy seriously. Because we value our customer relationships, we do not sell customer information. We will only share your information for the purposes of providing services which you have engaged us to perform on your behalf, such as placing your insurance, and/or providing you with insurance-related products and/or services, as applicable, and as otherwise permitted or required by law. This Privacy Policy outlines our information-sharing practices to help you understand how we protect your privacy, when we collect and use information about you, and the measures we take to protect the confidentiality of that information.


Your Confidential Information includes, but is not limited to, Protected Health Information, Non-public Personal Financial Information, and/or Trade Secrets. You do not have to provide us any Confidential Information in order to visit our Web site. We may request Confidential Information from you at our site in order to deliver requested materials to you and deliver an insurance- or benefits-related service. We do not sell your Confidential Information to others under any circumstances. We collect only that amount of Confidential Information which you choose to provide to us. By using our Web site you agree to the uses of your Confidential Information described in this notice. If at any time this policy changes, those changes will be posted on this page of our Web site, so that you are aware of our intent to better protect your privacy.
We collect only that amount of Confidential Information which you choose to provide to us. By using our Web site you agree to the uses of your Confidential Information described in this notice. If at any time this policy changes, those changes will be posted on this page of our Web site, so that you are aware of our intent to better protect your privacy.


Generally, we support the concept of non-disclosure of your Confidential Information. We also hold our business associates and our affiliates to similar confidentiality standards. Your Confidential Information must be used and disclosed in a manner consistent with applicable laws and regulations, contractual obligations, and our company's policies and procedures.
Protected Health Information is defined as individually identifiable health information that is held or transmitted by our company in performance of our contractual obligations with clients. This type of information includes information in electronic, paper and oral form. Protected Health Information may be used and disclosed solely for our company's business activities related to health care operations.
Non-public Personal Financial Information is defined as including confidential information of a financial nature that is shared by a current, prospective or prior client with us in the course of providing products and services to that client. This type of information is not otherwise available to the public and includes, but is not limited to, the following: credit history, financial benefits, business records, accounting information involving the client, contracts in which the client is a party, claims which the client is a party to, client’s policy information, and any other data of the client’s that is financial in nature.
Trade Secrets are defined to include any proprietary information of our current, prospective or prior client that is obtained through the course of our business activities with that client, through the provision of products and services provided by us to the client. This information is not otherwise available to the public and includes, but is not limited to, the following: business records, contracts, claims, products, business methods, data processing procedures, marketing strategies, pending projects or proposals, mailing lists, and any other information related to a client’s activities, products or services, which may or may not be protected by the Indian Patent and Trademark Office.


Click Streams
We may capture click streams to help us learn what parts of our Web site are most popular and among which audiences. We may also use them to help us optimize our user interface, to analyze site usage statistically, to improve content, and to customize our Web site's content and layout. In short, we use this information to allow us to tailor our Web site and to meet your needs better. We analyze click stream data to track trends and behaviors, not individuals. We are interested in our audience size, return visit rate, and similar data on an aggregate basis. We also capture date and time information of visits, pages visited, and the time you spend with us.
Cookies
Cookies are pieces of information that a Web site transfers to your computer's hard drive for record-keeping purposes. They can make the site more useful by storing information about your preferences at our Web site. It is almost standard for any interactive Web site to use cookies. Cookies do not identify a user, but they do identify a user's computer. Most browsers are set up to accept cookies. If you prefer, you can set your browser to refuse cookies, but some online services on our Web site will not function without them.
We do not use cookies to track or report on activity when you are not on our Web site or to provide such information to other parties for their own marketing use. We do not use cookies to collect personal information such as your e-mail address, and we do not combine information collected through cookies with your Confidential Information. We make no attempt to look at or examine other cookies or information that may be stored on your computer.
Do Not Track Signals
we honour your web browser’s Do Not Track signal.


We do not use, disclose, sell or transfer any Confidential Information without consent unless required or permitted by law or regulation. In cases of permitted disclosure, we will disclose information in compliance with applicable laws and regulations and will require the recipient to protect the information and use it only for the purpose provided.
For example, we may disclose your Confidential Information in order to market your insurance coverage directly with insurers and providers. We also may disclose your Confidential Information we collect, as described above, to companies that perform marketing services on our behalf or to other insurers or providers with whom we have joint marketing agreements. Additionally, we may disclose your Confidential Information in the event of a reorganization, merger, or sale.


We restrict access to your Confidential Information to our employees who need to know such information in order to provide you with the insurance products or services for which you have engaged us. We maintain physical, electronic, and procedural safeguards that comply with Indian state regulations to guard your Confidential Information.
Live chat sessions on our site are encrypted to encode information that you share with our operators. By contrast, be aware that e-mail messages sent in clear text over the public Internet can be observed by an unintended third party. Non-encrypted Internet e-mail communications may be accessed and viewed by other Internet users without your knowledge and permission while in transit to us. If you wish to keep your information private, please do not use electronic mail to communicate information to us or request information from us that you consider to be Confidential and/or proprietary. If you wish, you may contact us instead via telephone at the phone number provided elsewhere in this Web site.


We may provide links to other Web sites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other Web site owners or the content or accuracy contained on those other Web sites. Links to other Web sites do not constitute or imply endorsement by us of those Web sites, any products or services described on those Web sites or any other material contained in them. Contact those Web sites directly for their individual privacy policies.


We reserve the right to make changes to our Privacy Policy at any time. Such changes will be posted on this page. We encourage you to review the Web site and the Privacy Policy in particular periodically for any updates or changes. Your continued access or use of this Web site shall be deemed your acceptance of all terms and conditions contained in this Privacy Policy.

Copyright Universal Insurance Brokers Services Pvt. Ltd. All rights reserved.
Universal Insurance Brokers Services Pvt. Ltd. (UIB) grants permission to view, copy, print and distribute the information found on this Web site provided that the above copyright notice appears on all copies, use is for internal informational purposes only, and no modification is made to any materials. Any other use, reproduction or distribution must be first approved by UIB.

DISCLAIMER. The content of this Web site is provided for informational purposes only, from a insurance perspective, with the understanding that UIB is not rendering legal, accounting or other professional advice on specific matters. Accordingly, UIB assumes no liability whatsoever in connection with the use of such content. UIB recommends that you consult your legal counsel or other professional advisor with respect to your individual situation.

NO WARRANTIES. UIB makes no representation or warranty whatsoever and assumes no responsibility or liability whatsoever in connection with the accuracy, completeness, or currency of the materials or the suitability, functionality, or operation of the materials on this or any other site which may be hyperlinked to this site. UIB is in no way responsible for the views, content or accuracy of any site which is either hyperlinked to or from this site, nor does UIB endorse any content or products that may be advertised or noted on these sites. Information on this Web site is subject to change at any time without prior notice.

LIMITATION OF LIABILITY. UIB provides these materials and Web site on an "as is" "when available" basis without warranty of any kind, express or implied, including but not limited to any implied warranty of merchantability or fitness for a particular purpose or non-infringement. In no event will UIB be liable for any damages, including but not limited to special, indirect, incidental or consequential damages, or for acts of negligence arising in connection with any information, result, error, omission, defect, delay or system malfunction relating to UIB 's web site regardless of whether UIB has been advised of the possibility of such damages. Access to this Web site may be monitored and use of this site constitutes consent to monitoring.

WARNING: Unauthorized access to secured databases or circumvention of security measures on this Web site may be a violation of laws.

The Company will not be liable under the Policy in respect of loss or damage due to Loss of or damage caused due to Fire, Lightning, Explosion, Theft, Subsidence, Landslide, Flood, Inundation, Storm, Tempest, Earthquake and Volcanic Eruption or any other Act of God perils. War, Nuclear Perils Over load experiment or test requiring the imposition of abnormal conditions Gradually developing flaws, defects, cracks or partial fractures Deterioration of or wearing away / out of any part of machinery Wilful or gross negligence of insured Faults or defects existing at the time of inception of policy Consequential Loss Excess stated in the Schedule Damage for which the manufacturer or supplier or repairer of the property is responsible either by law or contract.