Privacy Policy

MIALTUS (hereinafter referred as MIALTUS, ‘we,) is owner of website https://eb.mialtus.in (collectively called ‘services & products)....

PLEASE READ THE PRIVACY POLICY CAREFULLY

By using this website, you agree to the Privacy Policy (‘the Policy’). By accessing and using this website, you accept, without limitation or qualification, the Policy. MIALTUS may modify the Policy by revising them on the website. Your continued use of the website constitutes your acceptance of any such revisions. You should therefore periodically visit this page to review the current Policy. MIALTUS hereby undertake that any information provided by you on this website shall not be provided to any third party for any promotional activity subject to consent sought by MIALTUS through a notification at the contact details provided by you. If you are a subscriber of MIALTUS, please read MIALTUS applicable Notice of Privacy Practices as described below. If you do not agree and accept, without limitation or qualification, the Policy, you must exit this website immediately.

WEBSITE /APP PRIVACY POLICY

What Personal Information Do We Collect?

When you visit this website, no personal information—such as your name, date of birth or telephone number —is collected, unless you provide us with that information voluntarily, such as when you complete an online form to learn more about MIALTUS products and services.

How Do We Use Your Personal Information?

If you choose to provide us with personal information by completing a form on this website, emailing us, or calling the phone number of agents listed on the website, we will use that personal information to (i) respond to your question or request, (ii) communicate with you about our service & products via email, and (iii) send information to you. If you are not a subscriber of MIALTUS and you have questions about how we use your personal information, you may contact us at contact@MIALTUSins.in

Do We Disclose Any Personal Information to Outside Parties?

Unless you expressly give us permission in writing to do so, MIALTUS will not sell, rent, license, or trade your personal information other than as specified in this Privacy Policy.

Disclosures to Third Parties Assisting in Our Operations.

MIALTUS may share your personal information under confidentiality agreements with other companies that work with, or on behalf of, MIALTUS to provide products and services. These companies may use your personal information to assist MIALTUS in its operations. However, these companies do not have any independent right to share this information.

Disclosures Under Special Circumstances.

We may provide information about you to respond to subpoenas, court orders, legal process or governmental regulations, or to establish or exercise our legal rights or defend against legal claims. 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, or as otherwise permitted or required by law.

Health, Fitness & Wellness Features (Mobile Application)

The MIALTUS app includes optional health and wellness features. Each is used only with your consent and only when you actively choose to use it. None of the results provided by these features is a medical diagnosis; all results are indicative wellness estimates for general informational purposes only.

1. Fitness Calculator (BMI / BMR)

Data collected: Details you enter yourself — name, gender, date of birth, height, and weight.

How it is used: These inputs are used to calculate body-mass index (BMI), basal metabolic rate (BMR), and related fitness metrics. This calculation is performed on your device.

Sharing: This data is not sold, rented, licensed, or shared with any third party.

Storage & retention: Your inputs and results are stored within your MIALTUS profile/account so the app can display your fitness metrics, and are retained until you delete them or request account deletion.

2. Face Scan (Facial Wellness Scan)

The Face Scan feature uses your device's front camera to capture short-duration facial video in order to estimate general wellness indicators (such as stress index, wellness score, estimated heart rate, and related parameters) using remote photoplethysmography (rPPG) — a technique that estimates wellness signals from subtle changes in facial skin colour.

Data collected:

  • Live facial video / images captured by the front camera during the scan.
  • The profile details you provide for the estimate: name, gender, date of birth, height, and weight.

How it is used and disclosed:

  • The facial video is transmitted to our processing service solely to compute your wellness indicators.
  • We do NOT use the camera or facial video for identity verification, facial recognition, or to create any biometric faceprint or identity template. The scan is used only to estimate wellness indicators.

This processing is performed on secure servers operated by MIALTUS Brokers of India Limited. Facial video is transmitted over an encrypted (TLS) connection solely to generate your wellness results, is processed only for that purpose, and is not shared with, sold to, rented to, or accessed by any third party.

Storage & retention:

  • The facial video/images are not retained after processing — they are deleted immediately once your results are generated, and are not used for advertising, profiling, or any other purpose.
  • Only the derived wellness results (e.g., stress index, wellness score) are saved in the Health Records section of your Profile, where they remain until you delete them or request account deletion.

3. Step / Activity Tracker

If you choose to use the Step Tracker feature, the app may access physical activity data such as step count, estimated calories burned, and distance covered.

Source: This data is accessed from Apple Health (iOS) and Google Fit / Health Connect (Android), only after your explicit consent.

How it is used: This data is used solely to display activity insights within the app.

Sharing & storage: This activity data is not stored on MIALTUS servers, remains only on your device, is not shared with third parties, and is not used for advertising or profiling.

Step, calorie, and distance values are estimates for general fitness and wellness purposes only and are not medical measurements.

Data Retention

MIALTUS retains personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including providing services, complying with legal obligations, resolving disputes, and enforcing agreements.

Personal data collected through the website or mobile application is retained for the duration of the user's active relationship with MIALTUS or as required by applicable laws and regulatory requirements in India.

If you request deletion of your personal information, we will process such requests in accordance with applicable legal obligations. Some data may be retained for a limited period for legal, security, fraud prevention, and regulatory compliance purposes.

Physical activity data (such as step count, calories, and distance) accessed through Health Connect by Android or Apple Health is not stored on MIALTUS servers and remains only on the user's device.

Permissions Requested

Physical Activity Data: Used to track and calculate your daily step count through Health Connect by Android and Apple Health for accurate step counter functionality.

Business Transfers.

We may share your personal information with other business entities in connection with the sale, assignment, merger or other transfer of all or a portion of MIALTUS business to such business entity. We will require any such successor business entity to honour the terms of this Privacy Policy.

Secure Website Services

Certain online services are available to MIALTUS subscribers via our Secure Website Services, such as availing healthcare benefits , accessing to claims details , you may disclose personal information to MIALTUS. MIALTUS may collect your personal information for the following: • The Secure Website Services require a password to log in before accessing information, thus you may need to provide certain personal information so that MIALTUS may verify your identity;

  • To use and share your personal information to provide you with your professional upgradation services or other products and services related to insurance and healthcare ; and
  • To respond to requests via email or any type of communication provided via the Secure Website Services.

Users of MIALTUS Secure Website Services understand that the confidentiality of personal information is protected by prevalent laws in India. By using MIALTUS Secure Website Services you represent to MIALTUS that you are either

  • (i) the individual to whom this account pertains, or
  • (ii) legally authorized under applicable law to receive health care information regarding, and to make healthcare decisions for, the individual to whom this account pertains (for example, as the parent, legal guardian or legal custodian of such individual).

Internet Protocol Addresses

You should also be aware that when you visit our websites, MIALTUS may collect certain information that does not identify you personally, but provides us with "usage data," such as the number of visitors we receive or what pages are visited most often. This data helps us to analyze and improve the usefulness of the information we provide on these websites. Cookies and Web Beacons We do use "cookie" technology to understand and analyse visitor’s data on our website. On some pages of the MIALTUS website there may also be use of action tags which are used to measure effectiveness of our digital promotions.

Links on the Site

The website may contain links to other websites. Please be aware that MIALTUS is not responsible for the privacy practices of such other websites. When you connect to a website that is linked to our site, we encourage you to read the privacy statements of that website. This Privacy Policy applies solely to information collected by this site. Response to “Do Not Track” Signals Some Internet browsers include the ability to transmit “Do Not Track” signals. Since uniform standards for “Do Not Track” signals have not yet been adopted, MIALTUS does not process or respond to “Do Not Track” signals.

Children's Privacy Protection

Minors under 18 years of age who are not subscribers of MIALTUS may have the personal information that they have provided to MIALTUS through this website can request to delete the same by sending an email to contact@MIALTUSins.in. Please note that, while we make reasonable efforts to comply with such requests, deletion of your personal information does not ensure complete and comprehensive removal of that data from all systems.

Changes to This Privacy Policy

This Privacy Policy may be revised from time to time as we add new features and services, as laws change, and as industry privacy and security best practices evolve. We display an effective date on the policy in the below left corner of this Privacy Policy so that it will be easier for you to know when there has been a change. If we make any change to this Privacy Policy regarding use or disclosure of personal information, we will provide advance notice on the site. Small changes or changes that do not significantly affect individual privacy interests may be made at any time and without prior notice.

Online Security

MIALTUS uses reasonable and appropriate security measures to safeguard the information that has been collected from you via the public or Secure Website Services. Among the measures that MIALTUS has implemented for its websites are administrative, physical and technical safeguards. However, you should know that no web site operator, including MIALTUS can fully eliminate security risks associated with personal information. While MIALTUS has endeavoured to create a secure and reliable website for users, the confidentiality of any communication or material transmitted to/from the site or via e-mail cannot be guaranteed.