This Policy contains important information about how we manage personal information. It applies to all of the services offered by InsureMe Insurance Brokers (Pvt) Limited PV 114473 (InsureMe, we, us, our) in respect of www.insureme.lk (website) and the InsureMe call centre (call centre). We may modify this Policy at any time, and if we do, we’ll publish it on the website
PERSONAL INFORMATION WE COLLECT
The type of information we collect about you will depend on the circumstances, but will generally include information which is relevant to the quoting or supplying of products or services you’re comparing or enquiring about. Where practicable, we will always allow you to deal with us anonymously or by using a pseudonym. We may collect personal information from you to provide you with a comparison service or to allow a supplier who participates in our comparison service, or a business partner who assists us in providing our comparison service, to contact you. In some cases, if you do not provide the information we regret we will not be able to provide our services to you The information may include, depending on the service you require, your name, address, date of birth, gender, insurance history, employment information, marital status, proof of identification information (e.g. driver’s license, NIC details), bank account details, (social security information), details of the risk you intend to insure, details of your financial circumstances (e.g. existing home loans and savings) and future requirements and property values and your contact details. If you win a competition that we (or our agents) run, we may also with your consent use your name, image (e.g. photograph) and/or voice recordings for the purpose of promoting or marketing the competition and/or our services.
If you wish to compare certain products offered by Insurers (such as health insurance or life insurance), we may also, where necessary, collect sensitive information from you. Sensitive information includes any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information. Currently, we may collect information about your trade or professional or health fund memberships or health information to provide our service for certain products.
HOW WE COLLECT AND HOLD PERSONAL INFORMATION
We generally collect your personal information only from you direct, or via the internet, including our websites and social media, and our call centre. Sometimes, we may collect your personal information from one of our participating suppliers (e.g. where you purchase a policy from that supplier). We may also collect information from another person (e.g. the person arranging the policy of insurance for customers covered under a family or couples policy health policies). If we collect information about you from a third party, we will determine whether we could have lawfully collected that information directly from you and, if not, we will destroy or de-identify that information (provided it’s lawful to do so).
Any personal information that you provide for a comparison (other than compulsory third party motor insurance) or to purchase products or services on the websites or through the call centre is collected and managed by InsureMe.
InsureMe collects feedback from users of the websites. We will give you the option to provide that feedback anonymously however, you can provide your personal information with your feedback if you choose. From time to time, we may use data collection devices such as 'cookies' in conjunction with the websites. We may evaluate any cookie information collected to measure the effectiveness of its advertising and how visitors use the websites in order to:
- provide you with a better and more customized service and a more effective website; and
- collect information on how many visitors the websites receive, how those visitors use the websites, where they came from and where they go.
You can configure your browser so it does not accept cookies, but this may affect the functionality of the websites. We may also collect and store information on your personal device using browser web storage and data caches.
We hold personal information in data storage and cloud computing facilities operated by us (or by third parties for us). We take all reasonable steps to protect the information from unauthorised access, misuse, interference or disclosure.
WHY WE COLLECT, HOLD AND USE PERSONAL INFORMATION
We collect, hold and use personal information to provide services, benefits and products to you. These include:
- to allow you to compare products and/or obtain quotes for products or make enquiries;
- to send you a summary of your quote and comparison results;
- to provide to our business partners or participating suppliers so that they can (where you have agreed) provide you with updates or information about their products and services and provide you with reminders;
- to reconcile transactions with our business partners or participating suppliers that supply you products because of our services;
- unless you object, to communicate with you and make special offers to you;
- unless you object, to direct market our services to you;
- to deal with complaints and queries you may have;
- To administer competitions and promotions; or
- any other purpose we have notified you of when the information was collected as permitted by law.
If we disclose your personal information to our business partners or participating suppliers, they will use, deal with and manage your personal information in accordance with their privacy policies.
InsureMe may record details or block particular I.P. addresses (and where required provide those details to third parties to assist us) to maintain the integrity of the website where there is suspicious or excessive use of the websites.
ACCESS TO YOUR PERSONAL INFORMATION
You have the right to access and correct your personal information we hold. In certain situations (e.g. if required or permitted by law), we are able to deny access to some or all of the personal information we hold. We will always provide reasons in writing if access is refused. We may charge you a reasonable fee for access to your personal information, but we will advise you of the fee before we process your request. We will always respond to requests for access and/or corrections within a reasonable period and we will give access in the manner requested if it is reasonable and practicable to do so. Please email or write to our Privacy Officer (see Contact Information) if you wish to access or correct your personal information. If you provide us with information about another person, you must have that person’s consent before you provide the information to us. You must also tell the person we have collected their personal information; the person is entitled to access the information we hold; and he or she should refer to this document to understand how we manage their personal information.
KEEPING YOUR PERSONAL INFORMATION SECURE
There is always a risk in sending and receiving information over the internet, but once we have received your personal information, we’ll take steps to make sure it is protected and secure.
UNSUBSCRIBE FROM MARKETING COMMUNICATIONS
If you no longer wish to receive marketing communications from InsureMe.lk, please use the unsubscribe link contained in all of our email communications. Alternatively, you can contact us by calling +94768282424 or by emailing email@example.com
If you have a complaint about the way we manage your personal information, including any decision made regarding a request for access or correction of your personal information, please contact our Compliance Manager (see Contact Information): Our Compliance Manager will endeavor to resolve any private complaint and will respond in writing to you regarding the outcome of investigations if carried out.
InsureMe Insurance Brokers (Pvt) Ltd