Privacy Policy

Privacy Policy

Introduction

At https://affordable-group-health-insurance.storysurge.net (hereafter referred to as “Affordable Group Health Insurance,” “we,” or “our”), we prioritize your privacy and the security of your personal data. This comprehensive Privacy Policy details our practices regarding the collection, storage, access, and management of personal information in alignment with various international privacy laws, including:

  • Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Quebec Law 25
  • General Data Protection Regulation (GDPR) of the European Union (EU)
  • General Data Protection Law (LGPD) of Brazil
  • California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)
  • Colorado Privacy Act (CPA)
  • Utah Consumer Privacy Act (UCPA)
  • Connecticut Digital Privacy Act (CTDPA)
  • Virginia Consumer Data Protection Act (VCDPA)
  • South Africa’s Protection of Personal Information Act (POPIA)

Scope

This policy covers all aspects of our online presence, including but not limited to:

Important Note: This policy does not extend to third-party websites, applications, or services that you may access through links on our site. These entities have their own privacy policies governing your data, and we encourage you to review them before engaging with such services.

Processing Activities

This Privacy Policy outlines the practices for users who:

  • Utilize our applications, software, or online services as authorized users.
  • Visit and interact with our websites linked to this policy.
  • Receive communications from us via email, calls, texts (SMS), or other channels.

Personal Data Collection

We collect a range of personal data, including:

  • Account Information: Details related to your user account creation and maintenance.
  • Payment Information: Data necessary for processing transactions, such as credit card numbers and billing addresses.
  • Financial Information: Your financial records, if relevant to our services or required by law.
  • Purchase Information: Details about products or services you’ve purchased from us.
  • Mobile Device Identifiers: Unique identifiers from your mobile devices when using our apps.
  • Location Data: Information about your geographical location when you use our location-based services.
  • Feedback: Comments, reviews, and responses provided to improve our services.
  • Social Media Information: Data obtained from social media platforms when users interact with our content or share their profiles.
  • Product Information: Preferences, comments, and details related to products you’ve shown interest in on our site.

We collect this data through direct user input, interactions with our services, and automated technologies, such as web analytics tools. Additionally, we may receive personal data from third parties who assist us in providing services, always adhering to their respective privacy policies.

Cookies

We employ cookies to enhance your experience on our website and for analytical purposes:

  • Strictly Necessary Cookies: These ensure basic functions of our site, such as allowing you to navigate through pages.
  • Preference Cookies: Tailored settings and preferences are stored to provide a personalized experience.
  • Analytics Cookies: Used by analytics tools to gather information about how users interact with our website, helping us improve its performance.

Users have control over non-essential cookies through our built-in Cookie Manager, allowing them to manage their preferences.

Retention and Deletion

We retain personal data only for as long as necessary or required by law. The specific retention periods vary depending on the type of data and its purpose:

  • Financial and transaction data may be kept for up to 7 years due to legal requirements.
  • Account information is typically retained until your account is inactive for an extended period.
  • Analytics data might be stored indefinitely for improving our services, but in anonymized form.

Once the retention period expires or when data is no longer needed for its original purpose, we delete or anonymize it to ensure your privacy.

Security Measures

We have implemented robust organizational and technical safeguards to protect your personal data:

  • Encryption: Data is encrypted during transmission and at rest to prevent unauthorized access.
  • Secure Third-Party Processing: We engage reputable third parties to process data on our behalf, ensuring they adhere to strict security standards.

Children’s Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal data from children, and we urge parents or guardians to supervise their child’s online activities.

Your Rights (Depending on Your Location)

The privacy rights and regulations vary across jurisdictions. Here are some common rights you may have:

  • Access and Data Portability: The right to access and receive a copy of your personal data.
  • Data Correction: Correcting inaccurate or incomplete personal information.
  • Data Erasure (Right to Be Forgotten): Requesting the deletion of your personal data under certain circumstances.
  • Objecting to Processing: Opposing the use of your data for specific purposes, including profiling.
  • Restricting Processing: Asking us to restrict the processing of your data in certain situations.
  • Data Portability (for some jurisdictions): Receiving your personal data in a structured, commonly used format and transferring it to another controller.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

[Insert Contact Information]

We regularly review and update this policy to ensure it remains current and aligned with legal requirements. Continuous use of our services constitutes your acceptance of this policy.