Privacy Policy

LAST UPDATED: October 21, 2019

 

This privacy policy (the “Privacy Policy”) explains how DigiVentures Holdings LLC (“Company,” “we,” or “us”) collects, uses, shares, and protects information of the users of Company’s websites at Medical.TravelInsurance.com and mobile and other software applications where this Privacy Policy is posted (collectively, the “Website”). The Website is also governed by separate Terms of Use (“Terms”), which you should review carefully. Please note that this Privacy Policy only applies to the Website, and not to websites, applications, operating systems, or other platforms of third parties (collectively, “Third-Party Platforms”), even if such Third-Party Platforms are linked to or accessible from the Website. Each Third-Party Platform will have its own data collection and usage practices, and may use their own cookies, web beacons, and other technology to collect information from you. Company is not responsible for the content or practices of any Third-Party Platforms and, if you choose to visit or use them, you do so at your own risk.

 

PERSONAL INFORMATION

 

COLLECTION AND TRACKING OF PERSONAL INFORMATION

 

So that we can provide you with the most efficient and enhanced service, we may request information about you. We may also collect personally identifiable information such as name, email addresses and demographic information. We also may collect your IP address, browser type, domain name, access times and referring website address.

Also, if you decide to purchase or obtain a quotation for insurance, we will require you to provide us with more information, such as your full name and address, travel arrangements and credit card information. More specifically, we request the following:

 

  • For a quote:
    • Requested coverage limits, dates of travel, age(s) or date(s) of birth for each traveler, destination, trip type (e.g., pleasure, adventure, business), nationality, and country and/or state of residency.
     
  • To purchase an insurance policy, we collect from you and disclose to the relevant insurance carrier(s) the following information in addition to the information required for a quote:
    • Name, telephone number(s), email address, mailing address, passport number, trip deposit date (if applicable), trip departure date, and to the extent applicable, information concerning the travel, booking and/or tour operators.
    • Credit card information.
     
  • For an insurance agent to inquire about doing business with us:
    • Business contact information such as name, company name, telephone number, mailing address, state insurance agent license number.
    • Other business information, such as the insurance providers with which you have current agency contracts.

 

Company does not knowingly collect or process any information from anyone under 13 years of age (16 in the EU), and the Website is directed to people who are at least 13 years of age (16 in the EU). However, we will collect and process personal data about children under 13 years of age (16 in the EU) when submitted by a parent, guardian, or other appropriate adult for the purposes of obtaining a quote for, or purchasing, an insurance policy covering such child, and you hereby provide authorization for any information that you may submit to us on behalf of that child. 

 

WHAT WE DO WITH COLLECTED INFORMATION

 

Information Collected for Quotes or Policy Purchases

The information collected for a quote or for an insurance policy is used to provide policy quotes and to issue your policy. This information is sent only to the insurance company underwriting the policy.

 

When we collect information for a quote or an insurance policy, we will use it only in connection with the provision of the quote and/or delivering, billing for, and communication concerning the relevant insurance policy.

 

We retain information provided by you for the provision of a quote or purchase of an insurance policy on our servers located in the United States. 

 

Please be aware that information collected in connection with the provision of a quote or purchase of an insurance policy is separate from the other information we may collect from you in connection with (for example) your establishment of an account on the Website, if applicable, which other information is treated as described in the remainder of this privacy policy.

 

We may use your information to personalize communications with you, respond to your requests, and to notify you of updates to the Terms or this Privacy Policy.

 

Insurance Agent Information

If you are an insurance agent who voluntarily contacts us through the Website, we may keep a record of your contact information and correspondence, and we may use your contact information and any other information that you provide to us, to respond to you. We treat this information as it would treat any other unsolicited business correspondence, and have no obligation to keep this information confidential, nor to take any security measures to protect this information.

 

Other Collected Information

We may use personal information in order to display custom, personalized content to our visitors and send newsletters, emails, features, promotional material, surveys and other updates to our users. A user may, at any time, opt out of receiving such information. We also use collected information to evaluate and administer our service, respond to any problems that may arise and to gauge user trends to determine what part of our services are most popular with users.

 

We may extend offers to users on behalf of our partners about a particular product or service that may be of interest to you, but we will not give out your name or personal information at any time without your permission.

 

We may allow users of our Website to send articles or links by email to other parties who may be interested in them. We do not retain any email to other parties who may be interested in them. We do not retain any email addresses (unless you are a user who already has voluntarily provided your email address) of either the sender or receipt of such articles or links after they are sent.

 

We reserve the right to use or disclose any information without notice or consent as needed to satisfy any law, regulation or legal request (e.g., subpoenas), to conduct investigations of consumer complaints or possible breaches of law, to protect the integrity of our Website and our property, to protect the safety of our visitors or others, to fulfill your requests, or to cooperate in any legal investigation.

 

Personally identifiable information and other information, including associated usage information, may be provided to a third party if there is a transfer of the assets or ownership of Company or if Company files for bankruptcy.

 

You should be aware that if you voluntarily disclose information online (whether through Company’s services or any other services available online), personal or otherwise, that information could be collected and used by others. For example, if you use chat forums, bulletin boards, and you post your e-mail or id, you may receive unsolicited messages form others. Company has no control over this use of your personal information.

 

USE OF COOKIES

Your browser offers so-called “cookies” which, if you allow their use, store small amounts of data on your computer when you visit a website. Cookies do not contain any personally identifiable information about you and therefore cannot be used to identify you personally. Cookies simply assist us in tracking which of our features you like best. Cookies will also enable us to customize our content according to your preferences. You have the ability to accept or decline cookies by modifying your browser and while website may be viewable even if you disable cookies, some advanced and customized features of our Website, as well as other websites, will not be available to you.

 

Some of the banner ads displayed in our Website are provided by outside companies. These ads may contain cookies. While we use cookies in other parts of our Website, cookies received with banner ads are collected by our advertisers and we do not have access to this information.

 

Company may use remarketing services to advertise on third-party websites to you after you visit the Website. For example, Company may use Google services and cookies to improve the Website and advertise to users like you.  As such, when you use the Website, your browsing and website usage information may be shared with Google, and shared by Google with Company. You can learn more about how Google uses cookies, and how to manage your cookie preferences in your internet browser and revoke your consent to personalized ads, by visiting the Google Cookie Policy. Company may also use pixels, tags, and cookies set by our third-party advertising partners to track your online behavior and provide personalized ads to you.  For more information, see https://www.allaboutcookies.org/.  

 

EXTERNAL LINKS AND THIRD PARTIES

Some of the pages use frames, external interfaces and external links wherever necessary to effectively present the information for your convenience, so you can get the necessary information and apply for a specific insurance plan online, without leaving the Website.

This Privacy Policy does not apply to information users consent to give to third parties not affiliated with Company. Any information users give to another party is governed by the rules of that party’s privacy policy, which may differ from this Privacy Policy. Company is not responsible for information given to Third-Party Platforms or other parties. Any data submitted by you to be provided to an insurance carrier will be governed by that insurance company’s data privacy policy.

 

USE OF WEB BEACONS

Some of our web pages may contain electronic images known as web beacons, which are also called single-pixel gifs. These images allow us to count users who have visited those pages and to deliver co-branded services. We also may include web beacons in promotional e-mail messages or newsletters in order to count how many messages have been opened and acted upon. Web beacons are not used to access your personally identifiable information, but they are a technique we use to compile aggregated statistics about our website usage. Web beacons collect only a limited set of information including a cookie number, time and date of a page view and a description of the page on which the web beacon resides. Some of our web pages may also contain web beacons placed there by our advertising partners to help us determine the effectiveness of our advertising campaigns.

 

SECURITY AND RIGHTS

We implement a variety of security measures to maintain the safety of personally identifiable information when a user enters, submits, or accesses their personal information, when we retain that information, and when we transmit that information to third parties as permitted under this Privacy Policy.

 

We offer the use of a secure server for the Website. All personally identifiable information supplied by you to us via the Website is transmitted via Secure Socket Layer (SSL) or similarly secure technology. We allow personally identifiable information to be accessed only by persons with specified rights to do so.

 

Due to the open nature of communication through the internet, we cannot guarantee that communications between you and Company, or between Company and the insurance carriers to which you ask us to submit your information, will be free from unauthorized access by third parties, nor that third parties will not be able to circumvent the safeguards we have put in place. We cannot absolutely guarantee the security of any information that is disclosed or transmitted online.

 

CONTROLLING YOUR PERSONAL INFORMATION

A user may, at any time, change, correct, restrict, object to, modify or delete any personal information they may have provided to Company by contacting Company using the form on this page. You may access information Company has collected and retained about you, if any, for purposes of correcting, amending, downloading, or deleting such information. Access can be obtained by using the form on this page. To protect your privacy and security, we may take reasonable steps to help verify your identity before granting access, making corrections, providing you with information, or deleting information.

 

FINALLY

The internet is an evolving environment. If required, we may change our Privacy Policy at any time in the future, without any notice to the users. However, the changes will be posted here. Use of any information will comply with our Privacy Policy, even if we later change this Privacy Policy.

 

DISCLAIMER

Insurance information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. You must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding as to the subject matter in those Terms and Conditions of Coverage Benefits.

 
 

To purchase travel medical insurance, use our easy online system for quoting and buying online.