Mira Centre For Innovation (“us”, “we”, or “Mira Centre For Innovation”, which also includes its affiliates) is the author and publisher of the internet resource www.mcikolkata.com (“Website”) on the world wide web as well as the software and applications provided by Mira Centre For Innovation, including the mobile application ‘Mira Centre For Innovation’, and the software and applications pertaining to it.
Mira Centre For Innovation understands that your privacy is important to you and that you care about how your information is used and shared online. We respect and value the privacy of everyone who visits Our Site and will only collect and use information in ways that are useful to you and in a manner consistent with your rights and our obligations under the law.
Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
“You”, “Your”, “Yourself” and “User” shall mean and refer to natural and legal individuals who use the Application, including End-Users, Patients, general Users and Registered Medical Practitioners.
“Application” shall mean and refer to “Mira Centre For Innovation”
“Personal Information” shall mean and refer to any personally identifiable information that We may collect from You.
“Third Parties” refer to any application, website, company or individual apart from the User and the creator of the Application
|“Account”||means an account required to access and/oruse certain areas and features of Our Site;|
|“Cookie”||means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 5, below;|
|“Our Site”||means this website, www.Mira Centre For Innovation.com;|
|“India and EU Cookie Law”||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended in 2004, 2011 and 2015; and|
|“We/Us/Our”||means Mira Centre For Innovation, a limited company, registered under the Indian Companies Act, 1956 with Corporate Identity Number U85100TZ2010PTC089108 having its Registered Office at Shop No 1, GD-FR 39,Rai Bahadur Road, LP-2/5/0, Kolkata – 700 034|
- Section 43A of the Information Technology Act, 2000;
- Regulation 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the “SPI Rules”);
- Regulation 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011.
- Indian Medical Council Act, 1956
- the Indian Medical Council (Professional Conduct, Etiquette and Ethics Regulation 2002)
- Telemedicine Practice Guidelines
- Drugs &Cosmetics Act, 1940 and Rules 1945
- Clinical Establishment (Registration and Regulation) Act, 2010
- The type of information collected from the Users, including Personal Information and Sensitive Personal Data or Information relating to an individual;
- The purpose, means and modes of collection, usage, processing, retention and destruction of such information; and
- How and to whom Mira Centre For Innovation will disclose such information.
2. COLLECTION OF PERSONAL INFORMATION
Generally, some of the Services require us to know who you are so that we can best meet your needs. When you access the Services, or through any interaction with us via emails, telephone calls, video conferencing or other correspondence, we may ask you to voluntarily provide us with certain information that personally identifies you or could be used to personally identify you. You hereby consent to the collection of such information by Mira Centre For Innovation. Without prejudice to the generality of the above, information collected by us from you may include (but is not limited to) the following:
- Contact data (such as your email address and phone number);
- Demographic data (such as your gender, your date of birth and your pin code;
- Data regarding your usage of the services and history of the appointments made by or with you through the use of Services;
- Insurance data (such as your insurance carrier and insurance plan);
- Other information that you voluntarily choose to provide to us (such as information shared by you with us through emails or letters.
The information collected from you by Mira Centre For Innovation may constitute ‘personal information’ or ‘sensitive personal data or information’ under the SPI Rules.
“Personal Information” is defined under the SPI Rules to mean any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available to a body corporate, is capable of identifying such person.
The SPI Rules further define “Sensitive Personal Data or Information” of a person to mean personal information about that person relating to:
- Financial information such as bank accounts, credit and debit card details or other payment instrument details;
- Physical, physiological and mental health condition;
- Sexual orientation;
- Medical records and history;
- Biometric information;
- Information received by body corporate under lawful contract or otherwise;
- Visitor details as provided at the time of registration or thereafter; and
- Call data records.
Mira Centre For Innovation will be free to use, collect and disclose information that is freely available in the public domain without your consent.
3. PRIVACY STATEMENTS
3.1 ALL USERS NOTE:
This section applies to all users of Mira Centre For Innovation platform.
3.1.2 All the information provided to Mira Centre For Innovation by a User, including Personal Information or any Sensitive Personal Data or Information, is voluntary. You understand that Mira Centre For Innovation may use certain information of yours, which has been designated as Personal Information or ‘Sensitive Personal Data or Information’ under the SPI Rules, (a) for the purpose of providing you the Services, (b) for commercial purposes and in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes, (c) for sale or transfer of such research, statistical or intelligence data in an aggregated or non-personally identifiable form to third parties and affiliates (d) for communication purpose so as to provide You a better way of booking appointments and for obtaining feedback in relation to theRegistered Medical Practitioners and their practice, (e) debugging customer support related issues. (f) for the purpose of contacting you to complete any transaction if you do not complete a transaction after having provided us with your contact information in the course of completing such steps that are designed for completion of the transaction. Mira Centre For Innovation also reserves the right to use information provided by or about the End-User for the following purposes:
- Publishing such information on the Website.
- Contacting End-Users for offering new products or services.
- Contacting End-Users for taking product and Service feedback.
- Analysing software usage patterns for improving product design and utility.
- Analysing anonymized practice information for commercial use.
- Processing payment instructions including those through independent third-party service providers such as payment gateways, banking and financial institutions, pre-paid instrument and wallet providers for processing of payment transaction or deferral of payment facilities.
If you have voluntarily provided your Personal Information to Mira Centre For Innovation for any of the purposes stated above, you hereby consent to such collection and use of such information by Mira Centre For Innovation. However, Mira Centre For Innovation shall not contact You on Your telephone number(s) for any purpose including those mentioned in this sub-section 4.1(iii), if such telephone number is registered with the Do Not Call registry (“DNC Registry”) under the PDPA without your express, clear and un-ambiguous written consent.
3.1.4 Mira Centre For Innovation does not control or endorse the content, messages or information found in any Services and, therefore, Mira Centre For Innovation specifically disclaims any liability with regard to the Services and any actions resulting from your participation in any Services, and you agree that you waive any claims against Mira Centre For Innovation relating to same, and to the extent such waiver may be ineffective, you agree to release any claims against Mira Centre For Innovation relating to the same.
3.1.5 You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of account registration. If your personal information changes, you may correct, delete inaccuracies, or amend information by making the change on our member information page or by contacting us through privacy@Mira Centre For Innovation.com. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable. If you provide any information that is untrue, inaccurate, out of date or incomplete (or becomes untrue, inaccurate, out of date or incomplete), or Mira Centre For Innovation has reasonable grounds to suspect that the information provided by you is untrue, inaccurate, out of date or incomplete, Mira Centre For Innovation may, at its sole discretion, discontinue the provision of the Services to you. There may be circumstances where Mira Centre For Innovation will not correct, delete or update your Personal Data, including (a) where the Personal Data is opinion data that is kept solely for evaluative purpose; and (b) the Personal Data is in documents related to a prosecution if all proceedings relating to the prosecution have not been completed.
3.1.6 If you wish to cancel your account or request that we no longer use your information to provide you Services, contact us through support@Mira Centre For Innovation.com. We will retain your information for as long as your account with the Services is active and as needed to provide you the Services. We shall not retain such information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force. After a period of time, your data may be anonymized and aggregated, and then may be held by us as long as necessary for us to provide our Services effectively, but our use of the anonymized data will be solely for analytic purposes. Please note that your withdrawal of consent, or cancellation of account may result in Mira Centre For Innovation being unable to provide you with its Services or to terminate any existing relationship Mira Centre For Innovation may have with you.
3.1.7 If you wish to opt-out of receiving non-essential communications such as promotional and marketing-related information regarding the Services, please send us an email at support@Mira Centre For Innovation.com
3.1.8 Mira Centre For Innovation may require the User to pay with a credit card, wire transfer, debit card or cheque for Services for which subscription amount(s) is/are payable. Mira Centre For Innovation will collect such User’s credit card number and/or other financial institution information such as bank account numbers and will use that information for the billing and payment processes, including but not limited to the use and disclosure of such credit card number and information to third parties as necessary to complete such billing operation. Verification of credit information, however, is accomplished solely by the User through the authentication process. User’s credit-card/debit card details are transacted upon secure sites of approved payment gateways which are digitally under encryption, thereby providing the highest possible degree of care as per current technology. However, Mira Centre For Innovation provides you an option not to save your payment details. User is advised, however, that internet technology is not full proof safe and User should exercise discretion on using the same.
3.1.9 Due to the communications standards on the Internet, when a User or the End-User or anyone who visits the Website, Mira Centre For Innovation automatically receives the URL of the site from which anyone visits. Mira Centre For Innovation also receives the Internet Protocol (IP) address of each User’s computer (or the proxy server a User used to access the World Wide Web), User’s computer operating system and type of web browser the User is using, email patterns, as well as the name of User’s ISP. This information is used to analyze overall trends to help Mira Centre For Innovation improve its Service. The linkage between User’s IP address and User’s personally identifiable information is not shared with or disclosed to third parties. Notwithstanding the above, Mira Centre For Innovation may share and/or disclose some of the aggregate findings (not the specific data) in anonymized form (i.e., non-personally identifiable) with advertisers, sponsors, investors, strategic partners, and others in order to help grow its business.
3.1.10 The Website uses temporary cookies to store certain (that is not sensitive personal data or information) that is used by Mira Centre For Innovation and its service providers for the technical administration of the Website, research and development, and for User administration. In the course of serving advertisements or optimizing services to its Users, Mira Centre For Innovation may allow authorized third parties to place or recognize a unique cookie on the User’s browser. The cookies however, do not store any Personal Information of the User. You may adjust your internet browser to disable cookies. If cookies are disabled you may still use the Website, but the Website may be limited in the use of some of the features.
3.1.11 A User may have limited access to the Website without creating an account on the Website. Unregistered Users can make appointments with the doctors by providing their name and phone number. In order to have access to all the features and benefits on our Website, a User must first create an account on our Website. To create an account, a User is required to provide the following information, which such User recognizes and expressly acknowledges is Personal Information allowing others, including Mira Centre For Innovation, to identify the User: name, User ID, email address, country, ZIP/postal code, age, phone number, password chosen by the User and valid financial account information. Other information requested on the registration page, including the ability to receive promotional offers from Mira Centre For Innovation, is optional. Mira Centre For Innovation may, in future, include other optional requests for information from the User to help Mira Centre For Innovation to customize the Website to deliver personalized information to the User.
3.1.13 The Website may enable User to communicate with other Users or to post information to be accessed by others, whereupon other Users may collect such data. Such Users, including any moderators or administrators, are not authorized Mira Centre For Innovation representatives or agents, and their opinions or statements do not necessarily reflect those of Mira Centre For Innovation, and they are not authorized to bind Mira Centre For Innovation to any contract. Mira Centre For Innovation hereby expressly disclaims any liability for any reliance or misuse of such information that is made available by Users or visitors in such a manner.
3.1.15 Mira Centre For Innovation maintains a strict “No-Spam” policy, which means that Mira Centre For Innovation does not intend to sell, rent or otherwise give your e-mail address to a third party without your consent.
3.1.16 Mira Centre For Innovation has implemented best international market practices and security policies, rules and technical measures to protect the personal data that it has under its control from unauthorised access, improper use or disclosure, unauthorised modification and unlawful destruction or accidental loss. However, for any data loss or theft due to unauthorized access to the User’s electronic devices through which the User avails the Services, Mira Centre For Innovation shall not be held liable for any loss whatsoever incurred by the User.
3.1.17 Mira Centre For Innovation implements reasonable security practices and procedures and has a comprehensive documented information security programme and information security policies that contain managerial, technical, operational and physical security control measures that are commensurate with respect to the information being collected and the nature of Mira Centre For Innovation’s business.
3.2 REGISTERED MEDICAL PRACTITIONERS NOTE:
This section applies to all Registered Medical Practitioners/Doctors of Mira Centre For Innovation platform:
3.2.1 As part of the registration as well as the application creation and submission process that is available to Registered Medical Practitioners on Mira Centre For Innovation, certain information, including Personal Information or Sensitive Personal Data or Information is collected from the Registered Medical Practitioners.
3.2.3 Registered Medical Practitioners’ personally identifiable information, which they choose to provide to Mira Centre For Innovation, is used to help the Registered Medical Practitioners describe and identify themselves. This information is exclusively owned by Mira Centre For Innovation. You will be the owner of your information and you consent to Mira Centre For Innovationforcollecting, using, processing and/or disclosing this information for the purposes hereinafter stated. Mira Centre For Innovation may use such information for commercial purposes and in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes, and may sell or otherwise transfer such research, statistical or intelligence data in an aggregated or non-personally identifiable form to third parties and affiliates. Mira Centre For Innovation also reserves the right to use information provided by or about the Registered Medical Practitioner for the following purposes:
- Publishing such information on the Website.
- Contacting Registered Medical Practitioners for offering new products or services subject to the telephone number registered with the DNC Registry.
- Contacting Registered Medical Practitioners for taking product feedback.
- Analysing software usage patterns for improving product design and utility.
- Analysing anonymized practice information including financial, and inventory information for commercial use.
3.2.4 Mira Centre For Innovation automatically enables the listing of Registered Medical Practitioners’ information on its Website for every ‘Doctor’ or ‘Clinic’ added to a Practice using its software. The Registered Medical Practitioner information listed on Website is displayed when End-Users search for doctors on Website, and the Registered Medical Practitioner information listed on Website is used by End-Users to request for doctor appointments. Any personally identifiable information of the Registered Medical Practitioners listed on the Website is not generated by Mira Centre For Innovation and is provided to Mira Centre For Innovation by Registered Medical Practitioners who wish to enlist themselves on the Website, or is collected by Mira Centre For Innovation from the public domain,Mira Centre For Innovation displays such information on its Website on an as-is basis making no representation or warranty on the accuracy or completeness of the information. As such, we strongly encourage Registered Medical Practitioners to check the accuracy and completeness of their information from time to time, and inform us immediately of any discrepancies, changes or updates to such information. Mira Centre For Innovation will, however, take reasonable steps to ensure the accuracy and completeness of this information.
3.2.5 Mira Centre For Innovation may also display information for Registered Medical Practitioners who have not signed up or registered for the Services, provided that the Registered Medical Practitioners have consented to Mira Centre For Innovation collecting, processing and/or disclosing their information on the Website. Such Registered Medical Practitioners are verified by Mira Centre For Innovation or its associates, and Mira Centre For Innovation makes every effort to capture accurate information for such Registered Medical Practitioners. However, Mira Centre For Innovation does not undertake any liability for any incorrect or incomplete information appearing on the Website for such Registered Medical Practitioners.
3.3 END-USERS NOTE:
This section applies to all End-Users of Mira Centre For Innovation platform:
3.3.1 As part of the registration/application creation and submission process that is available to End-Users on this Website, certain information, including Personal Information or Sensitive Personal Data or Information is collected from the End-Users.
3.3.3 If you have inadvertently submitted any such information to Mira Centre For Innovation prior to reading theprivacy statements set out herein, and you do not agree with the manner in which such information is collected, processed, stored, used or disclosed, then you may access, modify and delete such information by using options provided on the Website. In addition, you can, by sending an email to support@Mira Centre For Innovation.com, inquire whether Mira Centre For Innovation is in possession of your personal data, and you may also require Mira Centre For Innovation to delete and destroy all such information.
3.3.4 End-Users’ personally identifiable information, which they choose to provide on the Website is used to help the End-Users describe/identify themselves. Other information that does not personally identify the End-Users as an individual, is collected by Mira Centre For Innovation from End-Users (such as, patterns of utilization described above) and is exclusively owned by Mira Centre For Innovation. Mira Centre For Innovation may also use such information in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes, and may sell or otherwise transfer such research, statistical or intelligence data in an aggregated or non-personally identifiable form to third parties and affiliates. In particular, Mira Centre For Innovation reserves with it the right to use anonymized End-User demographics information and anonymized End-User health information for the following purposes:
- Analysing software usage patterns for improving product design and utility.
- Analysing such information for research and development of new technologies.
- Using analysis of such information in other commercial product offerings of Mira Centre For Innovation.
- Sharing analysis of such information with third parties for commercial use.
3.3.5 Mira Centre For Innovation will communicate with the End-Users through email, phone and notices posted on the Website or through other means available through the service, including text and other forms of messaging. The End-Users can change their e-mail and contact preferences at any time by logging into their “Account” at www.Mira Centre For Innovation.com and changing the account settings.
3.3.6 At times, Mira Centre For Innovation conducts a User survey to collect information about End-Users’ preferences. These surveys are optional and if End-Users choose to respond, their responses will be kept anonymous. Similarly, Mira Centre For Innovation may offer contests to qualifying End-Users in which we ask for contact and demographic information such as name, email address and mailing address. The demographic information that Mira Centre For Innovation collects in the registration process and through surveys is used to help Mira Centre For Innovation improve its Services to meet the needs and preferences of End-Users.
3.3.7 Mira Centre For Innovation may keep records of electronic communications and telephone calls received andmade for making appointments or other purposes for the purpose of administration of Services, customer support, research and development and for better listing of Registered Medical Practitioners.
3.3.8 All Mira Centre For Innovation employees and data processors, who have access to, and are associated with the processing of sensitive personal data or information, are obliged to respect the confidentiality of every End-Users’ Personal Information or Sensitive Personal Data and Information. Mira Centre For Innovation has put in place procedures and technologies as per good industry practices and in accordance with the applicable laws, to maintain security of all personal data from the point of collection to the point of destruction. Any third-party data processor to which Mira Centre For Innovation transfers Personal Data shall have to agree to comply with those procedures and policies,or put in place adequate measures on their own.
3.3.10 To the extent necessary to provide End-Users with the Services, Mira Centre For Innovation may provide their Personal Information to third party contractors who work on behalf of or with Mira Centre For Innovation to provide End-Users with such Services, to help Mira Centre For Innovation communicate with End-Users or to maintain the Website or independent third party service providers to process payment instructions including providing a payment deferral facility to End-Users in relation to the Services. These third-party service providers have access to information needed to process payments, but may not use it for other purposes. Generally, these contractors do not have any independent right to share this information, however certain contractors who provide services on the Website, including the providers of online communications services, may use and disclose the personal information collected in connection with the provision of these Services in accordance with their own privacy policies. In such circumstances, you consent to us disclosing your Personal Information to contractors, solely for the intended purposes only.
3.4 CASUAL VISITORS NOTE:
3.4.1 No sensitive personal data or information is automatically collected by Mira Centre For Innovation from any casual visitors of this website, who are merely perusing the Website.
3.4.3 If you, as a casual visitor, have inadvertently browsed any other page of this Website prior to reading the privacy statements set out herein, and you do not agree with the manner in which such information is obtained, collected, processed, stored, used, disclosed or retained, merely quitting this browser application should ordinarily clear all temporary cookies installed by Mira Centre For Innovation. All visitors, however, are encouraged to use the “clear cookies” functionality of their browsers to ensure such clearing / deletion, as Mira Centre For Innovation cannot guarantee, predict or provide for the behaviour of the equipment of all the visitors of the Website.
4. CONFIDENTIALITY AND SECURITY
4.1 Your Personal Information is maintained by Mira Centre For Innovation in electronic form on its equipment, and on the equipment of its employees. Such information may also be converted to physical form from time to time. Mira Centre For Innovation takes all necessary precautions to protect your personal information both online and off-line, and implements reasonable security practices and measures including certain managerial, technical, operational and physical security control measures that are commensurate with respect to the information being collected and the nature of Mira Centre For Innovation business.
4.2 No administrator at Mira Centre For Innovation will have knowledge of your password. It is important for you to protect against unauthorized access to your password, your computer and your mobile phone. Be sure to log off from the Website when finished. Mira Centre For Innovation does not undertake any liability for any unauthorised use of your account and password. If you suspect any unauthorized use of your account, you must immediately notify Mira Centre For Innovation by sending an email to support@Mira Centre For Innovation.com You shall be liable to indemnify Mira Centre For Innovation due to any loss suffered by it due to such unauthorized use of your account and password.
4.3 Mira Centre For Innovation makes all User information accessible to its employees, agents or partners and third parties only on a need-to-know basis, and binds only its employees to strict confidentiality obligations.
4.4 Part of the functionality of Mira Centre For Innovation is assisting the doctors to maintain and organise such information. Mira Centre For Innovation may, therefore, retain and submit all such records to the appropriate authorities, or to doctors who request access to such information.
4.5 Part of the functionality of the Mira Centre For Innovation is assisting the patients to access information relating to them. Mira Centre For Innovation may, therefore, retain and submit all such records to the relevant patients, or to their doctors.
4.6 Notwithstanding the above, Mira Centre For Innovation is not responsible for the confidentiality, security or distribution of your Personal Information by our partners and third parties outside the scope of our agreement with such partners and third parties. Further, Mira Centre For Innovation shall not be responsible for any breach of security or for any actions of any third parties or events that are beyond the reasonable control of Mira Centre For Innovation including but not limited to, acts of government, computer hacking, unauthorised access to computer data and storage device, computer crashes, breach of security and encryption, poor quality of Internet service or telephone service of the User etc.
5.2 By using Our Site you may also receive certain third-party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. We use third party Cookies on Our Site for advertising services.
5.3 Before any Cookies are placed on your computer or device, you will be shown a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
5.4Our Site uses analytics services. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling Us to better understand how people use Our Site. This, in turn, enables Us to improve Our Site and the products and services offered through it. You do not have to allow Us to use these Cookies, as detailed below, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
5.5The analytics service(s) used by Our Site use(s) Cookies to gather the required information. Certain of these Cookies may be placed immediately when you first visit Our Site and it may not be possible for Us to obtain your prior consent.
5.6You can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third-party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
5.7You can choose to delete Cookies at any time however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
5.8It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
6. SUMMARY OF YOUR RIGHTS UNDER GDPR:
Please note your rights below under General Data Protection Regulation:
- The right to request access to, deletion of or correction of, your personal data held by Us;
- The right to complain to a supervisory authority;
- The right to be informed of what data processing is taking place;
- The right to restrict processing;
- The right to data portability;
- Object to processing of your personal data;
- Rights with respect to automated decision-making and profiling (see section 15 below).
If a User uses the Services or accesses the Website after a notice of changes has been sent to such User or published on the Website, such User hereby provides his/her/its consent to the changed terms.
8. CHILDREN’S AND MINOR’S PRIVACY
Mira Centre For Innovation strongly encourages parents and guardians to supervise the online activities of their minor children and consider using parental control tools available from online services and software manufacturers to help provide a child-friendly online environment. These tools also can prevent minors from disclosing their name, address, and other personally identifiable information online without parental permission. Although the Mira Centre For Innovation Website and Services are not intended for use by minors, Mira Centre For Innovation respects the privacy of minors who may inadvertently use the internet or the mobile application.
9. CONSENT TO THIS POLICY
10. ADDRESS FOR PRIVACY QUESTIONS
Name: Mira Centre For Innovation
Phone: +91 99035 79431