https://www.settlemed.in (the “Website”, “We”, and “Us”) are committed to protecting your privacy. We have prepared this Privacy Policy to describe to you our practices regarding the personal data we collect from users of our Website.This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures to make the terms of this policy binding.By using the Website, users consent to the collection and use of their Personal Data by us. You also represent to us that you have any and all authorizations necessary to use these Services including using them to process Personal Data. We collect and use the information you provide to us, including information obtained from your use of the Services. Also, we may use the information that we collect for our internal purposes to develop, tune, enhance, and improve our Services, and for advertising and marketing consistent with this Privacy Policy.This privacy policy has been compiled to better serve those who are concerned with how their 'Personal Data’ is being used online. Personal data means data which relate to a living individual who can be identified – (a) from those data, or (b) from those data and other information which is in the possession of, or is likely to come into the possession of, the data controller, and includes any expression of opinion about the individual and any indication of the intentions of the data controller or any other person in respect of the individual.
We are committed to ensuring privacy and security of health-related information that is collected through our services. We have implemented measures to protect personal health information. Please read our privacy policy carefully to get a clear understanding of how our Website collects, uses, protects or otherwise handles users’ Personal Data.
This Privacy Policy is intended to inform users about how our Website treats Personal Data that it processes about users. If users do not agree to any part of this Privacy Policy, then we cannot provide its Services to users and users should stop accessing our services.
By using the Services, You acknowledge, consent and agree that we may collect, process, and use the information that you provide to us and that such information shall only be used by us or third parties acting under our direction, pursuant to confidentiality agreements, to develop, tune, enhance, and improve the Services.
Although we may attempt to notify you when changes are made to this Privacy Policy, you are responsible for periodically reviewing any changes which may be made to the Policy. We may, in our sole discretion, modify or revise the Policy at any time, and you agree to be bound by such modifications or revisions.
1. INFORMATION WE COLLECT: When you contact us, you provide us information about yourself –name, email address, hospital details, designation and other significant protected health information which is used for claim our services. If you correspond with us by e-mail, we may retain the content of your e-mail messages, your e-mail address, and our responses. We also collect general information about your use of our services.
INFORMATION WE COLLECT AUTOMATICALLY WHEN YOU USE OUR SERVICES:
When you access or use our Services, we automatically collect information about you, including:
1. Device Information:
We may collect information about the device you use to access our Website, including the hardware model, operating system and version, unique device identifier, phone number, International Mobile Equipment Identity ("IMEI") and mobile network information.
2. Geo-location Information- Upon using the Website, you will be asked to turn on location If you turn these features on, we may collect your device's geo-location data and save your device's coordinates to offer certain features to you. We may also use your device's geo-location information to personalize the Platform and make it easier for you to interact with us. You can control your location information settings in your Account settings and switch them off if you want to. Even if you have disabled location services, we may still determine your city, state, and country location based on your IP address (but not your exact location).
3. Information Collected by Cookies and Other Tracking Technologies: We use various technologies to collect information, and this may include sending cookies to you. Accepting a cookie does not provide us access to your device or any Personal Data about you, other than the information you choose to share. Other servers cannot read them, nor can they be used to deliver a virus. Most browsers automatically accept cookies, but you can usually adjust yours (Microsoft Internet Explorer, Firefox or Google Chrome) to notify you of cookie placement requests, refuse certain cookies, or decline cookies completely.
4. “Web beacons” or clear .gifs are small pieces of code placed on a Web page to monitor behavior and collect data about the visitors viewing a Web page. For example, Web beacons or similar technology can be used to count the users who visit the Website or to deliver a cookie to the browser of a visitor viewing that page. We may use Web beacons or similar technology on our Services from time to time for this and other purposes.
5. We gather certain information automatically and stores it in log files. This information includes internet protocol addresses as well as browser, internet service provider, referring/exit pages, search terms, operating system, date/time stamp, and click stream data. Occasionally, we may connect Personal Information to information gathered in our log files, as necessary to improve the Service for individual users. Otherwise, we generally use this information as we would any Usage Data, to analyze trends, administer and maintain the Service, or track usage of various features within the Service.
HOW WE USE YOUR PERSONAL INFORMATION:
1. We use the personal information we collect to fulfill your requests for claim process, communication facilitation, improve our services and contact you.
2. By providing us your e-mail address, you consent to us using the e-mail address to send you our Website and services related notices, including any notices required by law, in lieu of communication by postal mail. You also agree that we may send notifications of activity on our Website to the e-mail address you give us, in accordance with any applicable privacy settings. We may use your e-mail address to send you other messages, such as newsletters, changes to our features, or other information. If you do not want to receive optional e-mail messages, you may modify your settings to opt out.
3. Our settings may also allow you to adjust your communications preferences. If you do not wish to receive promotional email messages from us, you may opt out by following the unsubscribe instructions in those emails. If you opt out, you will still receive non-promotional emails from us about your account and our Services.
4. Following termination or deactivation of your services, we may (but are under no obligation to) retain your information for archival purposes. We will not publicly disclose any of your personal data other than as described in this Privacy Policy.
5. At our sole discretion, for any reason or no reason at all, we reserve the right to remove any content or messages, if we believe that such action is necessary (a) to conform to the law, comply with legal process served on us, or investigate, prevent, or take action regarding suspected or actual illegal activities; (b) to enforce this policy, to take precautions against liability, to investigate and defend ourselves against any third-party claims or allegations, to assist government enforcement agencies, or to protect the security or integrity of our Website; or (c) to exercise or protect the rights, property, or personal safety of the Website, our users, or others.
6. To send other messages that help us provide our services on the Site;
7. We never show any users where the other user lives.
8. We do not share your email address with other users, however certain authenticated users may access your email address for the purpose of personal and professional networking;
9. Third Party Service Providers: We employ other companies and individuals to perform functions on our behalf. Examples may include providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments and providing customer service. In connection with their performance of functions on our behalf, we may share personally identifiable information with such companies and individuals as needed for them to perform their functions, but we do not permit such entities and individuals to use personally identifiable information for other purposes. In addition, we may provide non-personally-identifiable information to advertisers and other third parties for their use in marketing efforts for us, themselves, or others. If you are not interested in receiving targeted advertisements or other marketing information or materials as a result of such efforts, you may adjust the settings on your mobile devices to prevent the use of your non-personally-identifiable information in this manner.
10. Protection of Our Services and Others: We reserve the right to release personally identifiable information to unaffiliated third parties when we believe its release is appropriate to comply with the law, enforce or apply our Terms and Conditions and other agreements, or protect the rights, property or safety of us, our users or others. This includes exchanging information with other unaffiliated third parties in connection with fraud protection and credit risk reduction.
11. With Your Consent: Other than as set out above, you will receive notice and have the opportunity to withhold consent when personally identifiable information about you might be shared with unaffiliated third partiesting to our contact address.
Opt-Out: Users may opt out of receiving non-essential communications from Settlemed by following the unsubscribe instructions included in such communications.
3. INFORMATION SHARED DURING TRANSACTION
1. You agree that you will enter into transactions with third parties through our Website and will share your Personal Information with them for easy completion of the transaction. You hereby expressly agree that we shall not be involved or held liable for any breach of the privacy or security of that data. The said breach, if any, shall be a matter of dispute between you and the third party and we shall not be held liable or be issued a notice for the same.
2. We strongly recommend that you should be careful and vigilant while disclosing your Personal Information with your transaction partner. Please do not disclose your bank and account details to anyone through our Website or to any individual whom you have met through our Website.
3. We take credit card/debit card or other bank details on our Website. For payment you will be directed to sign in through the respective payment gateways integrated on our website and the transaction would be completed therein. It is to be noted that we will be storing Bank related information on our records and none of our staffs will hold or be exposed to this information.
HOW WE SHARE YOUR INFORMATION:
1. As a matter of policy, we will not sell or rent information about you and we will not disclose information about you in a manner inconsistent with this Privacy Policy except as required by law or government regulation. We cooperate with law enforcement inquiries, as well as other third parties, to enforce laws such as those regarding intellectual property rights, fraud and other personal rights.
2. We will not share the personal information we collect about you with any third party for their own marketing purposes without your consent. We have contract with third parties prohibiting them from sharing your personal data.
3. If you do not agree with our Privacy Policy, Terms of Service or other policies on our Website please discontinue use of our Service; your continued usage of the Service will signify your assent to and acceptance of our Privacy Policy and Terms of Service.
4. WE CAN (AND YOU AUTHORIZE US TO) DISCLOSE ANY INFORMATION ABOUT YOU TO LAW ENFORCEMENT, OTHER GOVERNMENT OFFICIALS, ANY LAWSUIT OR ANY OTHER THIRD PARTY THAT WE, IN OUR SOLE DISCRETION, BELIEVE NECESSARY OR APPROPRIATE IN CONNECTION WITH AN INVESTIGATION OF FRAUD, INTELLECTUAL PROPERTY INFRINGEMENT, OR OTHER ACTIVITY THAT IS ILLEGAL OR MAY EXPOSE US, OR YOU, TO LIABILITY.
5. ENSURING INFORMATION IS ACCURATE AND UP-TO-DATE
1. We take reasonable precautions to ensure that the Personal Data we Collect, Use and Disclose is complete, relevant and up-to-date. However, the accuracy of that information depends to a large extent on the information you provide. That's why we recommend that you:
2. Let us know if there are any errors in your Personal Data; and5.3. Keep us up-to-date with changes to your Personal Data such as your name or address.
RIGHT TO ACCESS SPECIFIC INFORMATION AND DATA PORTABILITY RIGHT
1. The Right to Access grants individuals to obtain copies of their own health information. This may include medical history, billing records and insurance information. We are committed to protecting the confidentiality, integrity, and availability of all sensitive information collected from users. To safeguard this information, we have implemented appropriate technical, administrative, and physical security measures, including encryption, access controls, regular security assessments, and staff training on data protection best practices.
2. You may have the right under the Information Technology Act, 2000 to request that we disclose certain information to you about our collection and use of your Personal Information over the past twelve (12) months. We understand the importance of individuals having access to their own health information. Therefore, upon request, we provide users with access to the sensitive information collected from them, including health-related data. Users may request access to their information by contacting us. We strive to respond to such requests promptly and in accordance with applicable laws and regulations.
3. Once we receive and confirm your verifiable consumer request, we will disclose to you:i. The categories of Personal Information that we have collected about you.ii. The categories of sources for the Personal Information that we have collected about you;iii. The categories of third parties with whom we share that Personal Information.iv. The specific pieces of Personal Information that we have collected about you (also called a data portability request).v. If we disclosed your Personal Information for a Business Purpose, the Business Purpose for which such Personal Information was disclosed, and the Personal Information categories that each category of recipient obtained.vi. If applicable, (1) the categories of your Personal Information that we have made available for valuable consideration; (2) the categories of third parties to whom such Personal Information was made available; and (3) the category or categories of Personal Information that we have made available to each category of third parties.
1. Right to DeleteA. You may have the right under the HIPAA to request that we delete any of your Personal Health Information that we have collected from you and retained. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Personal Health Information from our records, unless an exception applies.B. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:i. Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.ii. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.iii. Comply with Information Technology Act, 2000 iv. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.v. Comply with a legal obligation or legal order.vi. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
2. Exercising Your Rights. To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by:i. Sending us an e-mail at Hi@settlemed.inii. Only you, or a person that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information. You may also make a verifiable consumer request on behalf of your minor child.iii. You may only make such a request for access or data portability twice within a twelve (12) month period. The verifiable consumer request must provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative, and describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.iv. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.v. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
3. Non-DiscriminationWe will not discriminate against you for exercising any of your rights. We will not:i. Deny you services.ii. Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.iii. Provide you a different level of services.
7. HOW WE PROTECT YOUR INFORMATION:
1. We are very concerned about safeguarding the confidentiality of your personal data or protected health data. We employ administrative, physical and electronic measures designed to protect your information from unauthorized access.
2. By using this Website or the Services or providing Personal Information to us, you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of this Website or Services.
3. We use commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your Personal Health Information. We cannot, however, ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once we receive your transmission of information, we make commercially reasonable efforts to ensure the security of our systems. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. If we learn of a security systems breach, then we may attempt to notify you electronically so that you can take appropriate protective steps.
4. Notwithstanding anything to the contrary in this Policy, we may preserve or disclose your information if we believe that it is reasonably necessary to comply with a law, regulation or legal request; to protect the safety of any person; to address fraud, security or technical issues; or to protect our rights or property. However, nothing in this Policy is intended to limit any legal defenses or objections that you may have to a third party, including a government’s, request to disclose your information.7.5. However, under the following circumstances, we may still be required to share your personal information:a) if we are responding to court orders or legal process, or if we need to establish or exercise our legal rights or defend against legal claims.b) If we believe it is necessary to share information in order to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Use or as otherwise required by law.c) If we believe it is necessary to restrict or inhibit any user from using any of our Website, including, without limitation, by means of "hacking" or defacing any portion thereof.
8. RIGHTS OF THE DATA SUBJECT: Right of confirmationUsers have the right to know and confirm the personal information as to whether or not their personal information is being processed.Right to rectificationUsers have the right to rectify the incorrect details or updating their incomplete personal information data.Right to withdraw data protection consentIf the data subject wishes to exercise the right to withdraw the consent, he or she may, at any time, contact any of our employees.Right to request access You also have a right to access information we hold about you. We are happy to provide you with details of your Personal Information that we hold or process. To protect your personal information, we follow set storage and disclosure procedures, which mean that we will require proof of identity from you prior to disclosing such information. You can exercise this right at any time by contacting us on the above details.Right to withdraw consentWhere the legal basis for processing your personal information is your consent, you have the right to withdraw that consent at any time by contacting us on the above details.
9. YOUR CHOICES ABOUT YOUR INFORMATION:
You have several choices regarding use of information on our Services:
1. Email Communications: We will periodically send you free newsletters and e- mails that directly promote the use of our Website, or Services. When you receive newsletters or promotional communications from us, you may indicate a preference to stop receiving further communications from us and you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the e-mail you receive or by contacting us directly. Despite your indicated e-mail preferences, we may send you service related communications, including notices of any updates to our Terms of Use or Privacy Policy.vi. Changing or Deleting Your Personal Health Data: You may change any of your personal information by visiting the Website and emailing us at Hi@settlemed.in .Upon initiating the account deletion process, all associated personal data is permanently removed from our records.
2. You may, of course, decline to submit personal data through the Website, in which case, we may not be able to provide our services to you. You can review and correct the information about you that we keep on Website by editing your account settings.
10. CHILDREN’S PRIVACY: Protecting the privacy of young children is especially important. Thus any person under the age of 18 can only use our services under the supervision of their parents and the parents shall be held liable and responsible in case of any loss suffered by us. In the event that we learn that we have collected personal data from a child under age 18 who was not authorized by its parents then we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 18, please contact us.
11. MERGER AND ACQUISITIONS: In case of a merger or acquisition, we reserve the right to transfer all the information, including personal data, stored with us to the new entity or thus formed. Any change in the Website’s policies and standing will be notified to you through email.
12. NOTIFICATION PROCEDURES: It is our policy to provide notifications, whether such notifications are required by law or are for marketing or other business related purposes, to you via e-mail notice, written or hard copy notice, or through conspicuous posting of such notice on the Website, as determined by us in our sole discretion. We reserve the right to determine the form and means of providing notifications to you, provided that you may opt out of certain means of notification as described in this Privacy Policy.
13. DO NOT TRACK:
1. Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. DNT is a way for users to inform Website and services that they do not want certain information about their webpage visits collected over time and across Websites or online services.
2. We are committed to providing you with meaningful choices about the information collected on our Website for third party purposes, and that is why we provide the opt-out links. However, we do not recognize or respond to browser-initiated DNT signals, as the Internet industry is currently still working toward defining exactly what DNT means, what it means to comply with DNT, and a common approach to responding to DNT.
14. PHISHING OR FALSE EMAILS: If you receive an unsolicited email that appears to be from us or one of our members that requests personal data (such as your credit card, login, or password), or that asks you to verify or confirm your account or other personal information by clicking on a link, or to provide your personal information to any other user that email was likely to have been sent by someone trying to unlawfully obtain your information, sometimes referred to as a "phisher" or "spoofer." We do not ask for this type of information in an email. Do not provide the information or click on the link. Please contact us on the contact details provided on the Website if you get an email like this.
15. CHANGES TO OUR PRIVACY POLICY:
1. We may update this Privacy Policy and information security procedures from time to time. If these privacy and/or information security procedures materially change at any time in the future, we will post the new changes conspicuously on the Website to notify you and provide you with the ability to opt out in accordance with the provisions set forth above.
2. Continued use of our Website and Service, following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.
16. BREACH OF PRIVACY POLICY: We reserve the right to terminate or suspend any account or delete certain contents from any profile or public domain within the ambit of this Website if the said account or content is found to be in violation of our privacy policy. We sincerely request you to respect privacy and secrecy concerns of others. The jurisdiction of any breach or dispute shall be determined in accordance with the terms of use of the Website.
17. NO RESERVATIONS: We do not accept any reservation or any type of limited acceptance of our privacy policy. You expressly agree to each and every term and condition as stipulated in this policy without any exception whatsoever.
18. NO CONFLICT: The policy constitutes a part of the user terms. We have taken utmost care to avoid any inconsistency or conflict of this policy with any other terms, agreements or guidelines available on our Website. In case there exists a conflict, we request you to kindly contact us for the final provision and interpretation.
19. CONTACT US: If you have any questions about this Privacy Policy, our practices relating to the Website, or your dealings with us, please contact us at Hi@settlemed.in