Privacy And Cookie Policy

Application of this policy

We recognise that visitors to our site may be concerned about the information they provide to us and how we handle that information. We respect your privacy. This Privacy Policy outlines the information we collect and how we use it. This Policy applies solely to information collected through this Site and not other sources.

1. Conditional Use of this Site

Your access to and use of this Site and its contents (the "Site") is subject to the terms and conditions of this Privacy Policy ("Privacy Policy" or "Policy"), and all applicable laws. By accessing and using this Site, you (the "User" or "you") accept and agree to these without any limitation or qualification.

2. Terms of Use

Your use of this Site is also subject to the Terms & conditions posted on this Site ("Terms & conditions").

3. Information We Collect

Your use of this Site is also subject to the Terms & conditions posted on this Site ("Terms & conditions").

a) Personally-Identifiable Information

On our Site, we collect certain personally-identifiable information, such as name and email addresses. We don't require you to register or provide personally-identifiable information to view our site or access much of its content. But if you register, you may use certain additional features that allow you to e.g. create your own Insurtech Circle profile. Sharing this additional information with us also helps us customise your website experience. In addition, we may use the information you provide us to send you offers, updates and information about Insurtech Circle. Here are the ways we collect personally-identifiable information.

b) Registration

To take full advantage of our offers, you may choose to register on our site. In the registration process, we sometimes request certain information (such as your contact information and age) so we can provide you with the communications you request, tailor our Site to better meet your needs and customise our contacts with you.

c) Contests, competitions and promotions

Our site contains notices of contests and competitions that you can enter. We use the information you provide to conduct the promotion (for example, to contact you if you're a winner).

d) E-mail

When you ask us to send you news, updates or other content by e-mail, you may provide us with certain information like your e-mail address so we can fulfill your request.

e) "Contact Us" link

If you contact us through link on this site, we ask you for information such as your first name, e-mail address, and other information, so we can respond to your questions and comments. You may choose to provide additional information as well.

f) Information collected by automated means

We may use cookies, web beacons/pixel tags, log files, and other technologies to collect certain information about visitors to our Site, use of our online services, and interactions with our emails and online advertisements. For example, through these means, we may collect your browser type and operating system, viewed webpages, links that are clicked, IP address, sites visited before coming to our Site, emails we send that you open, forward, or click through to our Site. You can set your Internet browser settings to stop accepting new cookies, to receive notice when you receive a new cookie, to disable existing cookies, and to omit images (which will disable pixel tags). Note that the opt-out will apply only to the browser that you are using when you elect to opt out of advertising cookies. Without cookies or pixel tags though, you may not be able to take full advantage of all of Insurtech Circle's website features.

4. How we use your information

We may use the information we collect to contact you from time to time. For example, we may (i) send you news, offers, and other communications and information about Insurtech Circle. We also may use the information you provide to contact you for your opinions on Insurtech Circle. As described in this Privacy Notice, we also use the information we collect about you to improve our Site and services, and to deliver content that is customised to your interests. In addition we may use such personal information:

  • to respond to your questions and requests, to provide you with access to certain areas and features and to communicate with you about your activities on this Site;
  • if required by law, regulation or court order;
  • for the purpose of or in connection with legal proceedings or necessary for establishing, defending or exercising legal rights; or
  • in an emergency to protect the health or safety of website users or the general public or in the interests of national security. Except as provided in herein, we will not provide any of your personal information to any third parties without your specific consent.

5. How we share your information

We do not sell or otherwise disclose personally identifiable information about our website visitors, except as described here. We do not share your personally identifiable information with unaffiliated third parties for their own marketing purposes without your consent. We may share personally identifiable information among Insurtech Circle' brands and subsidiaries. We may also share the information with service providers we have retained to perform services on our behalf, such as to help run events and provide customer service. These service providers may have access to personally-identifiable information about our website visitors if it is needed to perform their functions for Insurtech Circle. In addition, we may disclose information where we think it's necessary to investigate or prevent an actual or suspected crime or injury to ourselves or others, if required by law, or in response to a request from law enforcement authorities or other government officials. We may conduct joint promotions with other companies. We may share with our promotional partners (and their service providers) certain personally-identifiable information as necessary to conduct the promotion. We will not share this information with our promotional partners for any other purpose unless you consent to such sharing.

6. Links to other websites

This Site may contain links to other web sites that we do not own or operate. We do not control, recommend or endorse and are not responsible for these sites or their content, products, services or privacy policies. Downloading material from certain sites may risk infringing intellectual property rights or introducing viruses into your system. You should note when you leave this Site and read the privacy policies and terms of these other sites. You should also independently assess the authenticity of any website which appears or claims that it is one of our sites (including those linked to through an email).

7. How we protect your information

The security of personally-identifiable information is important to us. We maintain administrative, technical and physical safeguards to protect against unauthorised use, disclosure, alteration or destruction of the personally-identifiable information we collect on this Site. However, we cannot guarantee the security of such information. To the fullest extent permitted by law, we disclaim all liability and responsibility for any Damages you may suffer due to any loss, unauthorised access, misuse or alteration of any information you submit to this Site.

8. Updates to this Privacy Policy

Please note we may change information on this Site and/or this Policy, at any time without notice. You should regularly review this Policy for any changes. Any changes will be effective immediately upon the posting of the revised Policy on this Site. By continuing to use the Site, you agree to any changes, and by providing continued access to the Site we are providing you consideration for agreement to such changes.

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