Last Updated: 2024.08.15
This Privacy Policy forms part of the Terms & Conditions governing our services. By using our services, you acknowledge that you have read and agree to the practices described in this Privacy Policy. We encourage you to take a moment to review this document carefully.
1. About Us
INSUREHERO Inc. ("InsureHero," "we," "us," "our") is a registered company with its principal place of business in the United States, focused on providing innovative insurance solutions across Latin America and the United States. We are committed to protecting your privacy and ensuring that your personal data is handled securely and in compliance with applicable data protection laws, including but not limited to the Ley Federal de Protección de Datos Personales en Posesión de los Particulares (LFPDPPP) in Mexico, the General Data Protection Regulation (GDPR) in the European Union, and applicable US laws.
2. Personal Data We Collect
We collect and process various types of personal data depending on your interaction with our services. This data may be collected directly from you or from third parties, including our partners.
Types of Personal Data Collected:
- General Identification and Contact Information: This includes your full name, email address, telephone number, residential or business address, and any other contact information you provide.
- Identification Numbers: Depending on the services used, we may collect national identification numbers (e.g., CURP in Mexico, Social Security Number in the US), passport numbers, or other government-issued identification.
- Insurance Contract Data: Information about the insurance contracts you have with us, such as policy numbers, coverage details, and claims history.
- Payment Information: For the processing of payments, we may collect payment details such as your credit/debit card information, bank account details, and transaction history.
- Location Data: If you use our mobile application, we may collect your location data to provide location-based services.
- Device and Usage Data: This includes IP addresses, browser type, device identifiers, and data about how you interact with our services.###
3. How We Use Your Personal Data
We process your personal data for a variety of purposes, including:
Service Provision:
- To provide, maintain, and improve our services.
- To manage your account and authenticate your identity.
- To process and manage claims, and assess insurance risks.
- To communicate with you regarding your policy, claims, and other related services.
Legal Compliance and Risk Management:
- To comply with legal and regulatory obligations.
- To prevent, detect, and investigate fraud or other illegal activities.
- To enforce our terms and conditions.
Marketing and Personalization:
- To send you marketing communications and offers, provided you have consented to receive such communications.
- To personalize your experience and tailor the content we show you based on your preferences and usage.
Customer Support:
- To provide customer service and respond to your inquiries.
- To resolve complaints and disputes.
4. Legal Basis for Processing Your Personal Data
We process your personal data based on the following legal grounds:
- Contractual Necessity: Processing is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into a contract.
- Legal Obligations: Processing is necessary to comply with legal obligations to which we are subject.
- Legitimate Interests: Processing is necessary for the purposes of our legitimate interests, such as improving our services, provided that such interests are not overridden by your rights and interests.
- Consent: Where required by law, we will obtain your consent before processing your personal data for certain purposes, such as sending marketing communications.
5. Automated Decision-Making and Profiling
We may use automated decision-making and profiling in certain circumstances, particularly in evaluating your insurance application and determining premiums. These processes help us assess risks and make decisions more efficiently. You have the right to request human intervention in such decisions, express your point of view, and contest the decision.
6. Data Sharing and Transfers
With Third Parties:
- We may share your personal data with third-party service providers who assist us in delivering our services, such as payment processors, IT service providers, and marketing agencies.
- We may also share your data with business partners, affiliates, and other entities within our corporate group for the purposes outlined in this policy.
Legal and Regulatory Authorities:
- We may disclose your personal data to governmental and regulatory bodies to comply with our legal obligations or to protect our rights, property, or safety, and those of our customers or others.
Cross-Border Data Transfers:
- Your personal data may be transferred to and processed in countries outside of your country of residence, including countries that may not have the same level of data protection laws as your home country. We will ensure that appropriate safeguards are in place to protect your data in such transfers, in accordance with applicable data protection laws.
7. How We Protect Your Personal Data
We implement a variety of security measures to maintain the safety of your personal data. These include physical, administrative, and technical safeguards to protect your data from unauthorized access, disclosure, or misuse. However, no security system is impenetrable, and we cannot guarantee the absolute security of your data.
8. Data Retention
We will retain your personal data for as long as necessary to fulfill the purposes for which it was collected or as required by law. Once your data is no longer needed, we will securely delete or anonymize it.
Retention Periods:
- Personal data related to your account and policy will be retained for as long as your account is active and thereafter as required by law or as necessary for legitimate business purposes.
- Data related to claims will be retained for the duration required by law or to resolve any disputes.
9. Your Rights Regarding Your Personal Data
Depending on the jurisdiction, you may have the following rights regarding your personal data:
- Right of Access: You have the right to request access to the personal data we hold about you.
- Right to Rectification: You have the right to request that we correct any inaccuracies in your personal data.
- Right to Erasure: You have the right to request that we delete your personal data under certain conditions.
- Right to Restrict Processing: You may request that we restrict the processing of your personal data in certain circumstances.
- Right to Data Portability: You have the right to request a copy of your data in a structured, commonly used format.
- Right to Object: You have the right to object to the processing of your personal data based on our legitimate interests or for direct marketing purposes.
- Right to Withdraw Consent: Where we rely on your consent to process your personal data, you have the right to withdraw that consent at any time.
10. How to Exercise Your Rights
To exercise any of your rights, please contact us at legal@insurehero.io with your request. We may ask you to verify your identity before processing your request. We will respond to your request within the timeframe required by law.
11. Privacy of Minors
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware that we have collected personal data from a minor, we will take steps to delete that information.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with a revised "Effective Date." We encourage you to review this policy periodically.
13. Contact Us
If you have any questions about this Privacy Policy or our data protection practices, please contact us at: INSUREHERO INC.
Address: 100 Bayview Drive, PH 27 ℅ Diego Roman. Sunny Isles - FL 33160
Email: legal@insurehero.io
Phone: +1 (415) 688 9103
