This Privacy Notice explains how Travel Insurance (collectively, “our”, “us”, or “we”) collect, use and disclose personal data about you when you use our websites, mobile sites, applications ("apps") or other online products and services that link to this Privacy Notice, subscribe to our print newspaper, attend our conferences or events, and/or receive our newsletters or emails.

1. Definitions

Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from.

“Cookies” means small pieces of data stored on your device (computer or mobile device) which may include an anonymous unique identifier.

“Data Controller” means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed.

“Data Processors or Service Providers” means any natural or legal person who processes the data on behalf of the Data Controller.

“Data Subject or User” means any living individual who is using our Service and is the subject of Personal Data.

“Personal Data” means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

“Usage Data” means data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

2. Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected:

• Personal Data. While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to: E-mail addresses; first and last names; phone numbers, address, state, province, city and postal/zip code; and Cookies and Usage Data.

• Usage Data. We may also collect information on how the Service is accessed and used. This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

• Tracking & Cookies Data. We use Cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.You can instruct your browser to refuse all Cookies or to indicate when a cookie is being sent. However, if you do not accept Cookies, you may not be able to use some portions of our Service.Examples of Cookies we use are: “Session Cookies” (to operate our Service); “Preference Cookies” (to remember your preferences and various settings); and “Security Cookies” (to protect Personal Data).

3. Use of Data

We uses the collected data for the following purposes:

• To provide and maintain our Service;

• To notify you about changes to our Service;

• To allow you to participate in interactive features of our Service when you choose to do so;

• To provide customer support;

• To gather analysis or valuable information so that we can improve our Service;

• To monitor the usage of our Service;

• To detect, prevent, and address technical issues;

• To provide you with news, special offers, and general information about other goods, services, and events which we offer that are similar to those that you have already purchased or inquired about unless you have opted not to receive such information.

4. Retention Data

We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

5. Transfer Data

Your information, including Personal Data, may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

6. Disclosure of Data

Disclosure for Law Enforcement. Under certain circumstances, We may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirement. We may disclose your Personal Data in the good faith belief that such action is necessary to: (i) comply with legal obligations; (ii) protect and defend the rights or property; (iii) prevent or investigate possible wrongdoing in connection with the Service; (iv) protect the personal safety of users of the Service or the public; and (v) protect against legal liability

7. Security of Data

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

8. "Do Not Track" Signals Under California Online Privacy Protection Act (CALOPPA)

We do not support Do Not Track ("DNT"). DNT is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable DNT by visiting the Preferences or Settings page of your web browser.

9. Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

10. Children’s Policy

Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers.

11. Changes to this Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

What are Cookies

Cookies are small pieces of text sent to your web browser by a website you visit. A Cookie file is stored in your web browser and allows the Service or a third-party to recognize you and make your next visit easier and the Service more useful to you. Cookies can be "persistent" or "session" Cookies. Persistent Cookies remain on your personal computer or mobile device when you go offline, while session Cookies are deleted as soon as you close your web browser.

How We Use Cookies

When you use and access the Service, we may place a number of Cookies files in your web browser. We use Cookies to: (i) enable certain functions of the Service; and (ii) provide analytics. We use both “Session” and “Persistent” Cookies on the Service and we use different types of Cookies to run the Service:

• Essential Cookies. We may use Cookies to remember information that changes the way the Service behaves or looks, such as a user's language preference on the Service.

• Analytics Cookies. We may use analytics Cookies to track information how the Service is used so that we can make improvements. We may also use analytics Cookies to test new advertisements, pages, features or new functionality of the Service to see how our users react to them.

Third-Party Cookies

In addition to our own Cookies, we may also use various third-parties Cookies to report usage statistics of the Service, deliver advertisements on and through the Service, and so on.