IndemniGO (accessible via https://indemni-go.com/) is managed and operated by Indemnifier Insurance Broker (Private) Limited, a registered entity regulated by the Securities and Exchange Commission of Pakistan (SECP).
We operate as a licensed insurance aggregator in Pakistan, providing digital platform to compare, evaluate, and purchase various insurance products and services. This Privacy Policy outlines how we collect, use, store, share, and protect your personal information when you visit our website, use our mobile applications, or interact with our services.
By accessing our website or utilizing our services, you explicitly consent to the collection, processing, and storage of your personal data in accordance with this Privacy Policy.
To provide you with seamless digital insurance services, we may collect and process the following categories of personal information:
Personal Identification Information: Full name, email address, active mobile phone number, Computerized National Identity Card (CNIC), National Tax Number (NTN), date of birth, and residential or mailing address.
Financial & Transactional Information: Premium payment preferences, transaction history, bank partner accounts, and payment details processed via secure third-party payment gateways.
Insurance & Underwriting Data: Existing policy details, premium preferences, asset records (such as vehicle model and registration number), claims history, and incident/accident details (including photos and GPS coordinates for claims processing).
Technical & Usage Data: Internet Protocol (IP) address, browser type and version, device information, operating system, and analytical data regarding your interaction with our platforms collected through cookies.
We process your personal information based on legitimate business interests, contractual necessity, and regulatory compliance. Your data is used to:
1. Generate, compare, and deliver accurate insurance quotes.
2. With insurance service providers to process insurance applications and policy issuance.
3. Validate personal identity (via phone number and email) for security and anti-fraud protocols.
4. Documents (like CNIC, NTN, AOA, MOA) collected as part of KYC/AML requirement of SECP and insurance/takaful operator reserve the right to deny issuance of policy as non-compliant or reported PEP.
5. Record, process, and transmit accident intimations and claims data to your chosen carrier.
6. Communicate critical policy updates, renewal notices, and customer support queries.
7. Comply with statutory obligations set forth by the SECP, the State Bank of Pakistan (SBP), and local law enforcement.
We respect your privacy and do not sell, rent, or trade your personal data to third parties for marketing purposes. However, to fulfil our services, we may share your data with:
1. Registered Insurance Providers: Our authorized underwriting and insurance partners to facilitate quotes, issue policies, and settle claims at your request.
2. Service Providers & Facilitators: Trusted third-party vendors (e.g., SMS gateways, hosting providers, and payment processors) who assist in our daily technical operations, bound strictly by confidentiality agreements.
3. Regulatory & Legal Bodies: Authorized government agencies, including the SECP, SBP, or judicial authorities, when legally mandated or necessary to prevent financial fraud and protect system integrity.
4. Corporate Restructuring: In the event of a merger, acquisition, joint venture, or sale of assets, your data may be transferred to the succeeding entity under the same confidentiality standards.
We employ industry-standard administrative, technical, and physical security measures—including SSL/TLS encryption for data in transit and restricted database access controls—to shield your personal information from unauthorized access, loss, alteration, or disclosure.
While we take rigorous precautions to protect your data, please note that no method of transmission over the internet or electronic storage is completely secure. Consequently, we cannot guarantee absolute security.
As a valued user, you retain the following rights regarding your personal information:
1. Access & Rectification: You may request to view, update, or correct any outdated or inaccurate personal information stored in our system.
2. Data Erasure: You may request the deletion of your account and associated personal data, subject to any statutory record-keeping periods mandated by Pakistani insurance and financial regulations.
3. Marketing Opt-Out: You can opt out of promotional emails or SMS campaigns at any time by utilizing the "Unsubscribe" link or replying to communications.
4. Withdrawal of Consent: Where processing is based on consent, you may withdraw your consent at any time, which may limit our ability to provide certain services to you.
Our website utilizes cookies and similar tracking identifiers to remember your preferences, optimize web performance, and analyse platform traffic. You can adjust your device or browser settings to refuse cookies; however, doing so may affect the functionality of certain interactive features on https://indemni-go.com/.
Our digital platforms may contain links to third-party websites (such as external payment portals, tracking companies, or partner insurance carriers). We do not control and are not responsible for the privacy practices, content, or security of these external sites. We encourage you to review their respective privacy policies before submitting any personal data.
We reserve the right to modify or update this Privacy Policy at any time to reflect changing technical, legal, or regulatory standards.
When updates are made, we will revise the "Effective Date" at the top of this document. We encourage you to review this page periodically. Your continued use of our platform and services following any changes constitutes your formal acceptance of the updated terms.
As per SECP without premium payment insurance policy cannot be issued. After successful payment insurance policies issues and dispatched at your address within 10 working days.
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact our compliance team:
Email: info@indemni-go.com
Landline: 021 35164731-2
Corporate Entity: Indemnifier Insurance Broker (Private) Limited
Head Office: Karachi, Pakistan