Privacy Policy

Privacy Policy for https://personal-health-insurance.storysurge.net

Introduction

At https://personal-health-insurance.storysurge.net (referred to as “Personal Health Insurance,” “we,” or “our”), we are committed to maintaining the privacy and security of your personal information. This comprehensive Privacy Policy outlines our practices regarding the collection, handling, and protection of data when you interact with our website, applications, services, and products. We take pride in adhering to various international privacy regulations, including but not limited to:

  • Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Quebec Law 25 on the Protection of Personal Data in the Private Sector
  • General Data Protection Regulation (GDPR) from the European Union
  • Lei Geral de Proteção de Dados (LGPD) in Brazil
  • California Consumer Privacy Act (CCPA/CPRA), California, USA
  • Colorado Privacy Act (CPA), Colorado, USA
  • Utah Consumer Sales and Service Protection Act (UCPA), Utah, USA
  • Connecticut Personal Data Protection Act (CTDPA), Connecticut, USA
  • Virginia Consumer Data Protection Act (VCDPA), Virginia, USA
  • Protection of Personal Information Act (POPIA), South Africa

Scope

This Privacy Policy is applicable to all aspects of our online presence, encompassing:

However, it’s crucial to emphasize that this policy does not extend to third-party websites, applications, or services accessible through links on our site. These external entities have their own privacy policies governing data collection and usage.

Processing Activities

This document outlines the practices we employ when you engage in the following activities:

  • Using our applications and services as an authorized user
  • Visiting any website linked to this Privacy Policy
  • Receiving communications from us, including newsletters, emails, phone calls, or text messages (SMS)

Personal Data Collection

We collect several types of personal data to enhance your experience with our services. These include:

  • Account Information: Details related to your account creation and management, such as usernames, passwords, and profile information.
  • Payment Information: Data necessary for processing payments, including cardholder names, card numbers, expiration dates, and security codes.
  • Financial Information: Records of transactions, account balances, and other financial data relevant to our services.
  • Purchase Information: Details about your purchases, order history, and preferences.
  • Mobile Device Identifiers: Unique identifiers from your mobile devices when you use our apps.
  • Location Data: Your geographic location when using our location-based services or when you opt-in to share it.
  • Feedback: Any comments, reviews, or feedback you provide us through surveys or direct communication.
  • Social Media Information: Data from social media platforms when you choose to log in and link your accounts with us.
  • Product Information: Details about the products you view, purchase, or interact with on our platform.

We gather this data through various means, including direct user input, interactions with our services, and automated technologies like cookies and tracking pixels. Additionally, third parties may share personal data with us for specific purposes, always subject to their respective privacy policies.

Cookies

We utilize cookies to enhance your experience on our platform and for analytical purposes:

  • Strictly Necessary Cookies: These ensure basic functions of our website, such as enabling login sessions and remembering user preferences.
  • Preference Cookies: Tailored settings and preferences you choose to save for future visits.
  • Analytics Cookies: Used by our analytics providers to collect information about your visit, including pages visited and time spent on each page, to improve the performance of our site.

Users have control over non-essential cookies through our Cookie Manager, allowing them to customize their preferences.

Retention and Deletion

The duration for which we retain personal data is determined by legal requirements and the purpose for which it was collected:

  • We keep account information and transaction records as long as your account is active or required for legal compliance.
  • Payment information is stored securely in accordance with card network rules, usually up to 7 years for dispute resolution.
  • We may retain other types of personal data for longer periods if necessary for our legitimate business interests, legal obligations, or statistical analysis.

Once the retention period expires or when you request deletion, we will anonymize or delete your data from our systems and those of our service providers.

Security Measures

We have implemented robust security measures to protect personal data:

  • Encryption: We use encryption for data at rest and in transit to safeguard sensitive information.
  • Secure Third-Party Processing: Our partners and service providers adhere to strict privacy and security standards when handling your data.
  • Access Controls: Only authorized personnel have access to personal data, and their actions are monitored to maintain security.

Your Choices and Rights

You have control over how we process your personal data:

  • Opt-Out of Communications: You can choose to stop receiving marketing emails or text messages by following the unsubscribe instructions provided.
  • Manage Cookies: Adjust your cookie preferences through our Cookie Manager.
  • Access, Update, or Delete Data: You have the right to access, update, or delete your personal data held by us. Please contact our support team for assistance.

Changes to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any significant changes through our website or directly if required by law.

By continuing to use our services after such changes, you agree to the updated policy. For significant updates, we may provide additional notice methods, such as emails or in-app notifications.