Last Updated: 20/03/2025
At Assertive Insurance, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our services.
1. Information We Collect
We may collect the following types of personal information:
- Personal Identifiers: Name, address, phone number, email address, date of birth, and Social Security Number (if required).
- Financial Information: Payment details, billing information, and bank account details.
- Policy and Claims Information: Insurance policy details, claim history, and related documents.
- Technical Data: IP addresses, device information, cookies, and usage data when you visit our website.
- Health and Medical Information: If required for underwriting or claims purposes.
- Employment Information: If necessary for certain types of policies, such as worker’s compensation or professional liability insurance.
2. How We Use Your Information
We use your data to:
- Provide and manage insurance policies and services.
- Process claims and payments.
- Improve customer service and respond to inquiries.
- Comply with legal and regulatory requirements.
- Prevent fraud and ensure security.
- Send policy updates, offers, and marketing communications (with your consent).
- Conduct research and analytics to improve our products and services.
- Facilitate underwriting and risk assessment.
3. How We Share Your Information
We do not sell your personal information. However, we may share your data with:
- Service Providers: Third-party vendors assisting in policy management, claims processing, IT services, and fraud prevention.
- Regulatory Authorities: Government agencies and legal entities when required by law.
- Affiliated Companies: Business partners and subsidiaries for service enhancement.
- Legal Representatives and Investigators: If required to resolve claims disputes or prevent fraudulent activities.
- Medical Professionals: If applicable for claims processing.
- Reinsurance Companies: To help mitigate financial risks.
4. Data Security
We implement industry-standard security measures to protect your personal data from unauthorized access, alteration, or disclosure. However, no system is completely secure, and we cannot guarantee absolute security.
- Encryption: We use encryption protocols to protect sensitive information.
- Access Controls: Strict access policies ensure only authorized personnel can view your data.
- Regular Audits: We conduct security audits and vulnerability assessments.
- Incident Response: We have measures in place to detect, investigate, and respond to security breaches.
5. Your Rights and Choices
Depending on your location, you may have the right to:
- Access, update, or correct your personal information.
- Request the deletion of your data (subject to legal obligations).
- Opt out of marketing communications.
- Restrict or object to certain data processing activities.
- Withdraw consent where processing is based on consent.
- Request a copy of your data in a portable format.
- Lodge a complaint with a data protection authority if you believe your rights have been violated.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance user experience, analyze website traffic, and personalize content. You can manage your cookie preferences through browser settings.
- Essential Cookies: Necessary for website functionality.
- Analytics Cookies: Help us understand user behavior and improve services.
- Marketing Cookies: Used for targeted advertising.
- Third-Party Cookies: May be placed by partners for additional services.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices, and we encourage you to review their policies before sharing any personal information.
8. Retention of Your Information
We retain your personal information for as long as necessary to:
- Fulfill contractual obligations.
- Comply with legal and regulatory requirements.
- Resolve disputes and enforce agreements.
- Maintain business records for auditing and reporting purposes.
9. International Data Transfers
If you are accessing our services from outside the country where we operate, your data may be transferred and processed in other jurisdictions with different data protection laws. We take appropriate safeguards to ensure your data remains protected.
10. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover such data has been collected, we will take steps to delete it.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated date. If significant changes are made, we may notify you through email or other communication channels.
