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Our Commitment to Your Privacy

At GlobeInsured, we are committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website, request quotes, purchase insurance policies, or interact with our services.

Information We Collect

Personal Information You Provide

When you use our services, we may collect:

For Insurance Quotes and Applications:

• Name, date of birth, and contact information (email, phone, address)
• Travel details (destinations, dates, trip purpose)
• Health information (medical conditions, medications, pre-existing conditions)
• Payment information (credit card details, banking information)
• Emergency contact information
• Passport and identification details

For Customer Support:

• Information you provide in communications with our support team
• Feedback, reviews, and survey responses
• Claims documentation and supporting materials

Information We Collect Automatically

Website Usage Data:

• IP address, browser type, and device information
• Pages visited, time spent on pages, and navigation patterns
• Cookies and similar tracking technologies
• Referral sources and search terms

Policy and Claims Data:

• Policy purchase and renewal history
• Claims history and documentation
• Payment and billing records
• Customer service interactions

How We Use Your Information

We use your personal information to:

Provide Insurance Services

• Process insurance applications and issue policies
• Calculate premiums and assess risk
• Handle claims processing and settlement
• Provide customer support and assistance
• Send policy documents and important updates

Improve Our Services

• Analyze website usage to enhance user experience
• Develop new insurance products and services
• Conduct market research and customer satisfaction surveys
• Personalize your experience on our website

Legal and Business Operations

• Comply with legal and regulatory requirements
• Prevent fraud and ensure security
• Maintain business records and accounting
• Protect our rights and enforce our terms of service

Marketing Communications

• Send newsletters and promotional offers (with your consent)
• Provide information about relevant insurance products
• Share travel safety tips and industry updates

You can opt out of marketing communications at any time using the unsubscribe link in our emails or by contacting us.

How We Share Your Information

We may share your personal information in the following circumstances:

With Service Providers

• Insurance underwriters and reinsurers
• Payment processors and billing companies
• Claims administrators and medical providers
• IT service providers and website hosting companies
• Customer service and call center providers

For Legal Compliance

• When required by law, regulation, or court order
• To comply with insurance regulatory requirements
• In response to government investigations or subpoenas
• To protect against fraud or other illegal activities

Business Transfers

• In connection with mergers, acquisitions, or business sales
• To successors or assigns of our business operations

With Your Consent

• When you explicitly authorize us to share information
• For specific purposes you have approved

We do not sell your personal information to third parties for their marketing purposes.

Data Security

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• SSL encryption for data transmission
• Secure servers and databases with access controls
• Regular security audits and vulnerability assessments
• Multi-factor authentication for sensitive systems

Administrative Safeguards

• Employee training on privacy and security practices
• Limited access to personal information on a need-to-know basis
• Background checks for employees handling sensitive data
• Incident response procedures for security breaches

Physical Safeguards

• Secure facilities with controlled access
• Locked filing cabinets for physical documents
• Secure disposal of documents containing personal information

Your Privacy Rights

Depending on your location, you may have the following rights:

Access and Portability

• Request copies of personal information we hold about you
• Receive information in a portable, machine-readable format

Correction and Updates

• Request correction of inaccurate personal information
• Update your contact preferences and account information

Deletion

• Request deletion of personal information (subject to legal and business requirements)
• Close your account and remove associated data

Marketing Preferences

• Opt out of marketing communications
• Adjust communication preferences
• Unsubscribe from newsletters and promotional emails

Complaints

• File complaints with relevant data protection authorities
• Contact us directly about privacy concerns

International Data Transfers

If you are located outside the United States, please note that your information may be transferred to and processed in the United States, where our servers and business operations are located. We ensure appropriate safeguards are in place for international transfers.

Retention of Information

We retain your personal information for as long as necessary to:

• Maintain your insurance policies and handle claims
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Provide ongoing customer service

Typical retention periods:

• Active policy information: Duration of policy plus 7 years
• Claims information: 10 years after claim resolution
• Marketing information: Until you opt out or 3 years of inactivity
• Website usage data: 2 years

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and recommendations
• Enable social media features and advertising

Types of cookies we use:

• Essential cookies: Required for website functionality
• Analytics cookies: Help us understand how visitors use our site
• Marketing cookies: Used to deliver relevant advertisements
• Preference cookies: Remember your choices and settings

You can manage cookie preferences through your browser settings. However, disabling certain cookies may affect website functionality.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will:

• Post the updated policy on our website
• Update the "Last Updated" date
• Notify you of material changes via email or website notice
• Obtain consent for significant changes when required by law

Third-Party Links

Our website may contain links to third-party websites or services. This Privacy Policy does not apply to those external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

For general inquiries or to exercise your privacy rights, you can also use our Contact Form.

State-Specific Privacy Rights

California Residents (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

European Union Residents (GDPR)

EU residents have rights under the General Data Protection Regulation:

• Right to access, rectify, and erase personal data
• Right to restrict or object to processing
• Right to data portability
• Right to withdraw consent

Questions about your privacy? Contact us using our Contact Form.