01About JBN Insurance

JBN Insurance Surveyor and Loss Assessors LLP ("JBN Insurance", "we", "us" or "our") respects the privacy and confidentiality of information entrusted to us by our clients, policyholders, insurers, intermediaries, surveyors, customers, vendors and other persons who interact with us.

This Privacy Policy explains how we collect, use, process, store, protect and disclose information when you visit our website, communicate with us, submit information to us, or use services and digital facilities made available through our website.

Our website and certain digital workflows are supported by technology developed and maintained by SurveyMaster, which acts as our technology and software-support provider. SurveyMaster may provide the website, hosting-related technology, application infrastructure, software, digital workflows, technical support and related technology services on behalf of JBN Insurance.

The insurance surveying, loss assessment, professional inspection, investigation, valuation and related professional services remain the responsibility of JBN Insurance and its authorised professionals.

02Information We May Collect

Depending on the service or assignment, we may collect information including:

• Personal and contact information (name, phone, email, address)
• Insurance and claim information
• Vehicle and asset information
• Property and inspection information
• Photographs, videos and documents
• Technical and usage information

03How We Collect Information

Information may be collected:

• Directly from you
• Through our website, forms and digital applications
• During physical inspections
• Through telephone or electronic communication
• From insurers or insurance intermediaries
• From policyholders or claimants
• From authorised representatives
• From repairers, workshops, vendors or other assignment-related parties
• Through documents supplied in connection with an assignment

04How We Use Information

We may process information for insurance surveying and loss assessment, claim administration, communication, record keeping, quality control, internal administration, audit and compliance, fraud prevention and investigation, information security, system administration and business continuity.

05Photographs, Videos and Inspection Evidence

Insurance surveying frequently requires photographic and video evidence. Such material may contain vehicles, buildings, machinery, equipment, personal property, people, registration numbers, documents, location information or other information incidentally captured during an inspection.

Such material may form part of the survey or assessment record and may be retained and shared with authorised parties where necessary for the relevant assignment, claim, regulatory requirement, legal purpose or contractual obligation.

06Technology Platform and SurveyMaster

JBN Insurance uses technology and digital infrastructure supported by SurveyMaster. SurveyMaster may provide website infrastructure, digital forms, survey-management workflows, document management, photo and video management, reporting functionality, application infrastructure, software maintenance, technical support, system administration and other technology services authorised by JBN Insurance.

SurveyMaster acts as a technology service provider to JBN Insurance and does not independently become the insurer, surveyor, loss assessor or decision-maker merely because its technology is used to process information.

07AI-Assisted Technology

Certain digital workflows may use automated or AI-assisted technology for image analysis, damage identification, document processing, classification, data extraction, report preparation assistance or estimation assistance.

AI-generated or automated outputs are intended to assist authorised professionals and operational personnel. They should not automatically be treated as a final professional opinion, claim decision, legal determination, coverage decision or payment determination.

08Sharing of Information

We may disclose relevant information where reasonably necessary to perform an assignment or where permitted or required by law. Depending on the assignment, recipients may include insurance companies, insurance brokers, corporate clients, policyholders, claimants, authorised representatives, repairers and workshops, experts and consultants, investigation agencies, service providers, technology and software service providers, government authorities, regulatory authorities, courts, tribunals or law-enforcement authorities, and other persons specifically authorised or required in connection with an assignment.

We do not intend to sell personal information as a commercial product. Information is shared based on the purpose for which it is required and subject to applicable contractual, legal and operational requirements.

09Data Retention

We may retain information for as long as reasonably necessary for completion of the relevant assignment, claim and survey records, contractual obligations, regulatory requirements, legal obligations, audit requirements, dispute resolution, fraud prevention, record management and legitimate business purposes.

The retention period may vary depending upon the nature of the assignment and the requirements of the relevant insurer, client, regulator, law or contractual arrangement.

10Data Security

We take reasonable technical and organisational measures designed to protect information against unauthorised access, unauthorised disclosure, accidental loss, unauthorised alteration, misuse, destruction and other reasonably foreseeable security risks.

However, no internet-based system or electronic transmission can be guaranteed to be completely secure. Our detailed security practices are described in our Security Statement.

11Cookies and Technical Information

Our website or technology infrastructure may use cookies, logs and similar technical mechanisms for website functionality, session management, security, performance monitoring, troubleshooting, analytics and improving user experience. Technical information may include IP address, browser type, device information, operating system, access time, pages or services accessed and technical logs.

12Third-Party Services

Certain services may depend upon third-party technology providers such as cloud infrastructure, communication services, email services, authentication services, mapping services, analytics services, payment services, document or storage services and API services. Where third-party services are used, information may be processed by those providers to the extent necessary to provide the relevant service.

13Your Responsibilities

When submitting information through our website or during an assignment, you should:

• Provide accurate information
• Provide only information that you are authorised to provide
• Avoid submitting unnecessary personal information
• Protect your account credentials
• Inform us if information has been submitted incorrectly
• Not attempt to access information belonging to another person
• Not misuse the website or digital services

14Privacy Rights and Requests

Subject to applicable law, individuals may have rights relating to their personal data, including rights concerning correction, updating and erasure, as applicable. Requests relating to personal information may be submitted to JBN Insurance using the contact details provided below. We may need to verify the identity and authority of the person making a request before processing it.

15Grievance Redressal

If you have a concern regarding the processing of your personal information, you may contact JBN Insurance using the contact details provided on this website. We will review and respond to legitimate privacy-related requests and grievances in accordance with applicable law and our applicable procedures.

16Children's Privacy

Our services are intended primarily for business, insurance, professional and claim-related purposes. We do not knowingly seek personal information from children for independent use of our services. Where information relating to a child is required for a legitimate insurance or claim assignment, such information should be provided by an appropriately authorised parent, guardian, insurer or other authorised person.

17Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal or regulatory requirements and operational practices. The updated version will be published on this website with a revised Last Updated date.

18Contact Us

For any questions, requests or grievances relating to this Privacy Policy, please contact us:

For technology-related matters concerning the SurveyMaster platform, JBN Insurance may coordinate with its technology service provider, SurveyMaster.

01About the Services

JBN Insurance provides professional insurance surveying, loss assessment, inspection, investigation, valuation and related services as applicable to a particular assignment. The exact scope is determined by the relevant appointment, work order, engagement letter, insurer instruction, client instruction or applicable contract.

02Website and Technology Services

The website may provide digital enquiry forms, assignment-related communication, document submission, photo and video submission, digital workflows, report-related facilities, notifications and other technology-enabled services. Certain technology is developed, hosted, maintained or supported by SurveyMaster. SurveyMaster is the technology provider and does not thereby become the insurer, surveyor, loss assessor, investigator or professional decision-maker.

03Eligibility and Authorised Use

You agree to use the website only for lawful purposes. You must not use it for fraudulent purposes, submit false or misleading information, impersonate another person, attempt unauthorised access, access another user's information, introduce malicious code, interfere with operation, copy or misuse proprietary content, reverse engineer protected technology, abuse automated systems or circumvent security controls.

04User Information

Where you provide information to JBN Insurance, you represent that the information is accurate to the best of your knowledge, that you have authority to provide information belonging to another person or organisation, that the information is provided for a legitimate purpose and that you will not knowingly provide fraudulent, misleading or unauthorised information.

05Insurance Assignments

An insurance survey, inspection or loss assessment is undertaken according to the scope of the relevant appointment. Submission of documents or conduct of an inspection does not guarantee claim acceptance, rejection, settlement or payment.

06Professional Reports

Reports may contain professional observations, assessments, measurements, opinions and conclusions based upon information made available to the surveyor, physical inspection, documents, photographs, statements, technical information, estimates and other evidence available at the time of assessment.

07AI and Automated Technology

Certain workflows may use artificial intelligence, automation or technology-assisted processes for image analysis, damage identification, data extraction, document processing, classification, estimation assistance and workflow automation. Technology-generated results may contain errors or omissions and should be reviewed by an appropriately authorised professional before being relied upon for material insurance, financial, legal or professional decisions.

08No Guarantee of Claim Outcome

Use of the website, submission of documents or completion of an inspection does not constitute acceptance of a claim, admission of liability, confirmation of policy coverage, confirmation of loss quantum, guarantee of settlement, guarantee of payment or waiver of any policy condition.

09Technology Availability

We aim to maintain reliable digital services. However, services may occasionally be unavailable due to scheduled maintenance, software updates, network problems, internet outages, third-party service interruptions, infrastructure problems, cybersecurity events, force majeure events or other circumstances outside our reasonable control.

10Third-Party Services

The website or digital workflows may integrate with third-party services including communication, cloud, authentication, mapping, API, payment, analytics or other technology providers. Use of third-party services may be subject to their respective terms and policies.

11Intellectual Property

Unless otherwise stated, website content, logos, graphics, design, layout, reports/templates, images, software, interfaces, digital workflows and branding may be owned by JBN Insurance, SurveyMaster, their licensors or other authorised parties. No intellectual property rights are transferred merely by accessing the website.

12SurveyMaster Technology

SurveyMaster may own or license certain software, technology, interfaces, workflows, databases, technical architecture and related intellectual property used to operate or support the website. Use of the JBN Insurance website does not grant ownership of SurveyMaster technology or JBN Insurance intellectual property.

13Confidentiality

Insurance assignments may involve confidential information. JBN Insurance will handle confidential information in accordance with applicable contractual obligations, professional requirements, privacy obligations and law. Users must also avoid disclosing confidential claim, policy, customer or business information to unauthorised persons.

14Security

We use reasonable technical and organisational measures intended to protect systems and information. No electronic system can be guaranteed to be completely secure. Users are responsible for maintaining credential confidentiality and reporting suspected unauthorised access.

15User-Submitted Content

When you submit photographs, videos, documents, statements or other material, you grant JBN Insurance the right to use that material to the extent reasonably necessary for the relevant assignment, surveying and assessment, reporting, claim administration, communication, legal or regulatory compliance, record keeping and related authorised purposes.

16Prohibited Activities

You must not use the website to commit fraud, misrepresent a claim, submit forged documents, manipulate evidence, interfere with an investigation, gain unauthorised access, introduce malware, attack or test systems without permission, scrape protected information, circumvent security controls or use the platform for unlawful purposes.

17Fees and Commercial Terms

Where JBN Insurance provides professional services for a fee, applicable professional fees, expenses, taxes and payment conditions shall be governed by the relevant engagement, appointment letter, work order, quotation or agreement.

18Limitation of Technology Responsibility

Where a service depends upon technology supplied by SurveyMaster or another third party, JBN Insurance's responsibility will be determined according to the applicable contractual arrangement and applicable law. SurveyMaster's role is primarily that of a technology and software-support provider and it does not independently determine insurance coverage, claim liability, loss quantum, policy interpretation, claim acceptance, claim rejection or professional survey conclusions unless separately and expressly engaged.

19Disclaimer

The website and general informational content are provided for information and service facilitation purposes. While reasonable efforts may be made to maintain accurate information, JBN Insurance does not warrant that every item of website information will always be complete, current or error-free.

20Suspension and Termination

We may suspend or restrict access where reasonably necessary because of security concerns, suspected fraud, unauthorised use, violation of these Terms, legal requirements, operational requirements or technical issues.

21Changes to These Terms

We may update these Terms from time to time. The updated version will be published on the website with a revised Last Updated date.

22Governing Law

These Terms shall be governed by the laws applicable in India. Any dispute shall be subject to the jurisdiction and dispute-resolution mechanism specified in the applicable engagement, agreement or contract. Where no separate contractual mechanism applies, disputes shall be subject to the jurisdiction of the competent courts having jurisdiction over JBN Insurance, subject to applicable law.

23Contact

For any questions, requests or concerns relating to these Terms of Service, please contact us:

For technology-related matters, JBN Insurance may coordinate with its technology service provider, SurveyMaster.

24Entire Understanding

These Terms govern general use of the website. For a specific insurance assignment, the applicable appointment letter, engagement letter, work order, client agreement, insurance policy, regulatory requirement or other governing document may contain additional or different terms. Where legally applicable, the specific agreement shall prevail for that particular assignment.

01Our Security Principles

Our approach is based on four principles:

• Confidentiality — information should be accessible only to authorised persons and systems
• Integrity — information should be protected against unauthorised alteration or manipulation
• Availability — relevant systems and information should remain reasonably available to authorised users
• Accountability — access and operational activities should be managed responsibly and, where appropriate, traceably

02Secure Access

Access to digital systems is intended to be restricted to authorised users. Depending on the system and user role, controls may include user authentication, password protection, session controls, role-based access, account management, access restrictions and administrative controls.

03Role-Based Access

Access to information may be controlled according to user role, assignment, organisation, operational requirement and authorisation level. The objective is to ensure that users receive access to information appropriate to their role and responsibilities.

04Protection of Insurance Information

Information may include policy, claim, customer, vehicle, property, photographic, video, document, estimate, report and statement information. We seek to implement reasonable technical and organisational safeguards appropriate to the nature of the information and services.

05Secure Transmission

Where information is transmitted through online services, reasonable security measures are used to protect information during transmission. Users should understand that no internet transmission can be guaranteed to be completely secure.

06Photographs and Videos

Digital inspection material may be transferred from authorised devices to the applicable technology platform. Such material may include damage photographs, vehicle or property photographs, equipment photographs, inspection videos, documents photographed during inspection and other evidence relevant to an assignment.

07Document Security

Documents submitted through workflows may contain confidential or personal information, including insurance policies, claim forms, identity documents, registration documents, invoices, estimates, bills, statements, survey reports and supporting evidence. We seek to protect such information through appropriate access and system controls.

08Mobile and Field Inspection Security

Where digital inspection tools are used, security considerations include authenticated access, controlled user accounts, secure transmission, access restrictions, protection of uploaded media and appropriate device practices. Users should keep mobile devices secure and should not share application credentials.

09Technology Infrastructure

SurveyMaster provides technology and software support for certain JBN Insurance digital services. Depending on the service, the environment may include application infrastructure, databases, cloud services, APIs, storage systems, authentication services, monitoring systems, backup mechanisms and communication infrastructure. The exact infrastructure may change as technology and service requirements evolve.

10Access Monitoring and Auditability

Where technically available and appropriate, system activities may be recorded or monitored for security, troubleshooting, fraud prevention, system administration, quality control, operational accountability and investigation of suspected misuse.

11Backup and Business Continuity

Where applicable, systems supporting digital services may use backup and recovery mechanisms intended to reduce the risk of permanent loss of information caused by hardware failure, software failure, accidental deletion, infrastructure disruption or other operational events.

12AI and Automated Processing Security

Certain SurveyMaster-supported workflows may use AI or automated technology for image analysis, damage identification, document analysis, data extraction, classification, estimation assistance and workflow automation. AI output should not automatically be considered a final professional conclusion.

13Third-Party Technology Providers

Certain digital functions may depend on third-party providers of cloud infrastructure, communication, authentication, APIs, analytics, storage, mapping or other technology services. Where such providers are used, information may be processed to the extent necessary for the applicable service.

14Administrative and Personnel Security

Access to information by personnel should be based on legitimate business requirements. Depending on the role, administrative controls may include authorised account management, access restrictions, confidentiality obligations, role-based permissions, internal procedures and removal of access when no longer required.

15Security Incident Response

If a suspected security incident is identified, appropriate steps may include identification and assessment, containment, investigation, restoration and remediation, assessment of affected information, communication with relevant parties where required, and compliance with applicable legal or contractual obligations.

16Responsible Disclosure

If you discover a suspected security vulnerability affecting the JBN Insurance website or technology-enabled services, please report it responsibly rather than attempting to exploit it. Reports should include a description, affected page or service, safe reproduction steps where available, relevant screenshots or technical information and contact details.

17Customer and User Responsibilities

Users of our digital services share responsibility for security. You should keep your credentials confidential, use strong passwords, keep devices secure, report suspected unauthorised access promptly and avoid sharing access to any JBN Insurance or SurveyMaster account with unauthorised persons.

18Security Limitations

Although reasonable safeguards are implemented, no website, software application, network, cloud infrastructure or electronic transmission can be guaranteed to be completely secure. Our security practices are designed to reduce risk, not to eliminate every possible risk.

19Security and Privacy

Security controls operate together with our Privacy Policy. The Privacy Policy explains how information may be collected, used, shared and retained. This Security Statement explains the principles and safeguards used to protect information.

20Technology Support by SurveyMaster

SurveyMaster provides technology development and support for the JBN Insurance digital platform. Its role may include website development, software development, application maintenance, digital workflow implementation, infrastructure support, system administration and technology integration. The use of SurveyMaster technology does not transfer JBN Insurance's professional responsibilities to SurveyMaster.

21Updates to this Security Statement

Security practices evolve as technology, threats, infrastructure and business requirements change. We may update this Security Statement from time to time. The latest version will be published on this website.

22Security Contact

For security-related queries, suspected vulnerabilities or reports of unauthorised access, please contact us:

For technology-related issues, JBN Insurance may coordinate with its technology service provider: SurveyMaster — Technology & Software Support Provider · Email: admin@surveymaster.in