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Privacy Policy

Last updated Jan 4, 2024


  1. By acknowledging and accepting Bawales’ Policy, you affirm that you have diligently reviewed its contents and provide unequivocal consent for the authorized utilization of all associated content.
  2. This Privacy Policy (“Privacy Policy”) governs the manner in which Bawales access, collection, use, store, disclose, handle, and sharing information collected from users (each, a “User”) of the and/or its mobile application (“Bawales”)or any of its channels. This Policy applies to every User visiting/ accessing the Site, or downloading mobile applications of Bawales or availing the products and/or services offered by Bawales or any of its channels.
  3. In the process of you using this Website or availing of the existing or future services or facility provided by the Website/Application, you may be required to furnish information, including Personal information and/or Sensitive Personal Information and/or any other information that is of a confidential nature. You are urged to keep the information current to ensure that the services and facility remain relevant and enable us to reach you.

Information Collection:

  1. What is Personal Information?

Personal Information is generally information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person such as name, age, gender, email address, mailing address, phone number, PAN number, photograph, User’s payment information, payment/purchase history, credit score, monthly/annual income, loan/financial history, health/medical/physical fitness information, bank account details, credit card information, User’s mobile device location, information identifiers that relate to an individual device, browser or application, MAC address and any such other related information or data as may be required and ensured alignment with the criteria and requirements of the local / global related regulators for offering products and services offered by Bawales.

  1. How We Use Your Personal Information

Bawales collects information related to you, including Personal Information, for a variety of purposes, as described below. This may include (but not limited) to:
Contact you regarding your account, your orders, upcoming and/or failed payments, renewals, and endorsements, or for any other important reason concerning your transactions with Bawales.
Provide you with a requested quote or offer services of a third-party vendor. When you submit contact information to us as part of an attempted or completed request for a quote or offer for services, you consent to receive telephone calls, emails, text messages, or other similar communications in connection with these services.
Contact you with relation to our Services and products or services offered through our Services if you expressly provide us with your contact information in connection with our Services or the products or services offered through our Services.
Provide you with information and/or services you request.
Determine eligibility and process applications for products and services.
Inform you regarding products and services we may offer.
Communicate, service, and bill accounts or clients.
Inform the research and development of new products and services.
Analyze claims data or other data to (1) respond to your questions or provide you information that you request; (2) provide you with products, services, or subscriptions that you select, including associated benefits; (3) present our Website and its contents to you;  (4) store information about your preferences, so we can better personalize your content; and (5) conduct other commercial purchases, including advertising and product development.
Obtain and update insurance or credit information with appropriate third parties, such as credit reporting agencies.
Monitor and administer accounts and the services thereto.
Conduct employee and other training.
Perform market analysis, analytics, advertising and marketing of products and services to you, or to facilitate advertising and marketing.
Fulfill contractual obligations.
Comply with or satisfy a legal or regulatory requirement and to communicate with you or/and other parties about wrong/missing information you have given to us or/and any third party using our services/products.

  1. Sharing User’s Personal Information

Bawales may use third party service providers to help its’ business operation efficiently and effectively and the Site or administer activities on its behalf, such as sending out newsletters or surveys. Bawales may share User’s information with these third parties for limited purposes and ensured alignment with the criteria and requirements of the local / global related regulators. Accepting Bawales Policy is a permission to use this condition.

Banking and Credit Card Information:

If you submit a credit card payment through our Services, for example to purchase insurance coverage, we do not store credit card information on our own servers or associate it with your Account Information for any purpose other than completing your purchase.

Data Security:

  1. Bawales takes steps to protect your information from unauthorized access. While we take reasonable measures to protect the information you submit via the website, mobile application or any of Bawales’ channels. against loss, theft, and unauthorized use, disclosure, or modification, we cannot guarantee its absolute security. No internet, email, or mobile application transmission is ever fully secure or error free. Email or other messages sent through the website may not be secure. You should use caution and comply with the directives issued by the pertinent authorities whenever submitting information through email or the website and take special care in deciding which information you provide us.
  2. Encryption: Bawales employs state-of-the-art encryption methods and adheres to globally recognized best practices to safeguard user data, ensuring its secure protection during both transmission and storage.
  3. Data Minimization: Bawales exclusively collects and retains the minimal essential user data required for the optimal functioning of our services, in strict adherence to the instructions provided by relevant authorities/regulators. We do not store or process any unnecessary or excessive personal information.
  4. Regular Security Audits: Bawales conduct periodic security audits and assessments to identify and address any vulnerabilities or risks to user data. This demonstrates our commitment to maintaining a secure environment for user information.
  5. Data Breach Response: In the event of a data breach. Bawales takes appropriate actions, this can include immediate notification of affected users, cooperation with relevant authorities, and implementation of remedial measures to prevent similar incidents in the future.
  6. User Responsibilities: Bawales’ users bear the responsibility of maintaining the confidentiality of their login credentials and personal information, exercising due diligence in utilizing robust passwords, and refraining from sharing sensitive information with third parties.

User’s Acceptance:

By utilizing Bawales‘ website, mobile app, or any of Bawales’ channels in any capacity, the user explicitly expresses acceptance of the Policy. In the event that the user does not concur with this Policy, it is recommended that the user refrains from using the website or downloading Bawales mobile application. The user’s continued use of the site, mobile app, or any of Bawales’ channels, will be construed as the user’s acknowledgment and acceptance of those policies.

Policy Changes:

Bawales retains complete discretion to revise this Privacy Policy at any time, without the necessity of prior notification. Users are obligated to regularly review Bawales’ policies for any additions, removals, or modifications to stay informed about changes. The user acknowledges and agrees that it is their responsibility to consistently and thoroughly review this Policy periodically to stay unequivocal informed about any modifications.

Contact Us:

If you have additional questions or would like more information regarding our information collection, use of information, or disclosure practices, please feel free to contact us at [email protected].