Wednesday, 5 September 2018

ICICI Prudential Life Insurance and three instances of premium amount for the same policy

Here is the email sent to regarding clarification for premium amount for one of their policies:

Dear Sir/Madam,

With regards to the above policy, received an SMS message on August 25, 2018 " Premium of Rs 10400 for your ICICIPru policy 21971634 will be debited from your United Bank of India account ending ....."

On August 31, received SMS "Premium of Rs 9950.00 for ICICIPru  Future Perfect, 21971634 has not been honoured by the bank due to Account Closed/Transferred..."

My query is regarding clarification of the actual premium amount (10400 or 9950) and the reason for this anomaly.

Pertinent to this discussion, first tried to post my grievance through Grievance Redressal form ( but was not able to submit the form.

Yours sincerely,
Rajeev Bagra
Meghdoot Tower,
16/2/1, Round Tank Lane,
Howrah 711101, W.B.
Phone: 7407112226

Here is the reply:

Dear Mr. Rajiv Bagra,

We refer to your concern pertaining to renewal premium for your ICICI Pru future perfect policy number 21971634 held with us.

In response to the same please note the policy was issued with initial premium amount of Rs.10450/- on February 28, 2018. The policy is in half yearly mode and you next renewal due date was on August 28, 2018. We request you to pay the renewal premium.

Incase the resolution provided does not meet your expectations you may escalate to our Grievance Redressal Officer (GRO) within 8 weeks. Click here to write to our GRO. You will receive a response within 10 days post detailed evaluation.

Warm Regards,

Jude Dsouza
Complaint Redressal Officer
Corporate office

Asked them for clarification regarding three instances Rs.10400/9950/10450 of the premium amount (through for the same policy for the same time at the same time and corresponding reply:

Dear Mr. Rajeev Bagra,

We refer to your concern pertaining to premium for your ICICI Pru Future Perfect policy number 21971634 held with us.

In response to the same, please note the policy was issued on February 28, 2018 along with the initial premium amount of Rs.10450/- and we hereby confirm the renewal premium towards the said policy is Rs.10450/-

Further, since the ECS mandate/ direct debit facility was active towards the said policy accordingly Company tried to collect the renewal premium amount however the same was dishonored reason citing “account closed or transferred”.

Incase the resolution provided does not meet your expectations you may escalate to our Grievance Redressal Officer (GRO) within 8 weeks. Click here to write to our GRO. You will receive a response within 10 days post detailed evaluation.

Warm Regards,

Jude Dsouza
Complaint Redressal Officer

Corporate office

This means that Rs.9950/10400/10450 are the same for this financial behemoth and their accounting system.

Wednesday, 8 November 2017

NComputing can slash your IT costs by 50 Percent

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Monday, 9 October 2017

The Many Ways You’re Being Watched

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Why You Need Online Privacy Protection with Privacy Guardian

In the age of constant connectivity, online privacy and secure browsing are no longer merely nice to have; they are mandatory. Anti-malware software safeguards your PC from harm, but today you also need online protection for you, personally.

What You Do Online Isn’t Private

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Companies and individuals can acquire enormous amounts of very specific information about you--your “digital fingerprint”--based on what you do on the internet, and much of this data can be used against you in various ways. Here are a few of them.
Ads following you. Following you, in fact, all the way into your email inbox. Why do ads for products you’ve just browsed follow you around the internet, appearing in banners and sidebars on the pages you visit? This technology that spies on your browsing and shopping habits to place ads in front of you all too often also leads to harassing spam emails as well.

Without online privacy software, when you see an ad, the ad sees you--and can track you. This is unsettling and annoying, especially once you’ve made a purchase and are no longer interested in ads for the product. After all, once you’ve purchased a big-ticket item such as a mattress, refrigerator or vacuum cleaner, you are effectively removed you from the market for that product for many years. Why put up with constant badgering to re-purchase the very item you already bought?

Price discrimination. If an online retailer obtains data indicating you are shopping from a computer located in a wealthy neighborhood, it could mark up the prices you see on its website.

As far back as the summer of 2015, at the annual meeting of the lobbying group the International Air Transport Association one executive called it inevitable that airlines would soon start using personal data to charge some passengers more than others; indeed, this has since come to pass. This deceitful practice is now being deployed by airlines, hotels, insurance companies and more.
Compromised consumer reputation. Credit bureaus are regulated to ensure that people don’t have incorrect credit information spread about them, but there is no such oversight in the online marketplace. Imagine being denied credit because a company has secretly collected data that suggests you are an irresponsible shopper.

Your data for sale. Congress overturned F.C.C. rules requiring broadband providers to get your permission before collecting data on your online activities and selling it to advertisers. Without these restrictions, ISPs are sure to become even more aggressive with data collection.
Unsecure websites. Another threat to online privacy is third-party hackers who can get between you and your point of purchase, potentially stealing your credit card info or other data. This occurs most frequently when you visit unsecure websites that use an unencrypted connection to exchange data with your computer.

In many browsers, a small letter “i” in a circle in the address bar lets you know the page you are visiting may put your personal information at risk; a red alert triangle or full-page warning may appear when a site is determined to be outright malicious or otherwise dangerous. Look for a padlock icon and a URL that starts with “https://” to confirm you are visiting a site with a secure connection. However, there is nothing about even supposedly secure sites that can put an end to the collection of your data through sophisticated fingerprint-based tracking techniques.

Enter Privacy Guardian™

Privacy Guardian is online privacy software that helps ensure anonymous web browsing, keeps your search history private, thwarts digital profile-building or “fingerprinting” based on your habits, enhances identity theft protection and stops ad-trackers from following and targeting you.

Unlike inferior cookies-based tracking blockers focused only on ads, Privacy Guardian focuses on fingerprint-based tracking by studying the behaviors of known fingerprinting scripts and scrambling the data they rely upon to gain sensitive information about you.

How much data is unprotected? Without Privacy Guardian, you may be astonished to learn just how much information about you is attainable from your internet usage. By protecting your digital fingerprint, Privacy Guardian enhances online identity theft protection and helps prevent companies and individuals from gathering your:

Internet Activity
  • Online searches
  • Videos watched
  • Websites visited
Online Purchases
  • Medicines
  • Vehicles
  • Vacation habits
Financial Data
  • Income
  • Credit score
  • Debt and loans
Personal Information
  • Age, gender, ethnicity
  • Political party
  • Marital/child status
The ramifications of giving away personal information of such breadth and scope are alarming to contemplate. Block access to your sensitive online data, device info and habits. Protect your private life with Privacy Guardian.