Privacy Policy
At Group-Insurance-Guide.com, we value your privacy and are committed to safeguarding your personal data. This Privacy Policy outlines how we collect, use, disclose, and protect the data of individuals who interact with our website and services hosted at group-insurance-guide.com. We comply with the applicable data protection laws, including the EU General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), and operate with a privacy-first approach in all our data handling practices.
1. Commitment to Privacy and Data Protection
We take the protection of your personal information seriously. Whether you are browsing our website, engaging with our content, or utilizing our services, we strive to ensure that your data is processed in a responsible, secure, and transparent manner.
2. Scope of Policy and Data Controller Role
This Privacy Policy applies to the website located at group-insurance-guide.com, as well as to all digital products, services, and communications provided through or in connection with this domain. Group-Insurance-Guide.com acts as the data controller for the personal data we process, responsible for determining the purposes and means of processing your information.
3. Categories of Data Processed
We may collect and process the following categories of data:
a. Usage Data
Includes IP address, browser type and version, time zone setting, operating system, website interactions, page views, and navigation paths aggregated from your interactions with our website.
b. Account Data
If you register an account or subscribe to our services, we may collect your full name, postal address, email address, and contact number.
c. Profile Data
May include your preferences, purchasing or inquiry history, interests, and behavioral patterns collected through interaction with our services.
d. Communication Data
Covers the content and metadata of any correspondence you submit, including support requests, feedback, and other interactions through email or contact forms.
e. Technical Data
Includes device information (such as device type, operating system, browser details), configuration data, and other diagnostic logs tied to system performance and service availability.
f. Transaction Data
Pertains to any information related to purchases or service subscriptions, including billing address, payment method details (processed through secure third-party providers), and delivery information.
g. Preference Data
Includes marketing communication consents, chosen notification settings, product interest indicators, and other expressed or inferred preferences.
4. Legal Bases for Processing
We process your data lawfully under the following grounds:
– Consent: For marketing communications, cookies (except essential), and where explicitly provided.
– Contractual Necessity: When processing is necessary for fulfilling a contract or providing a service requested by you.
– Legitimate Interests: For site functionality, fraud prevention, analytics, and improving user experience, where such interests are not overridden by your rights.
– Legal Obligations: Where processing is required for compliance with applicable laws.
5. Your Rights
Subject to applicable data protection laws, you have the following rights:
– Right of Access: Request a copy of your personal data and information on how it is processed.
– Right to Rectification: Request correction of inaccurate or incomplete data.
– Right to Erasure (“Right to be Forgotten”): Ask us to delete your data where there is no lawful reason to retain it.
– Right to Restriction: Request to limit the processing of your data in specific circumstances.
– Right to Data Portability: Receive your data in a machine-readable format and transfer it to another controller upon request.
– Right to Object: Object to the processing of your data where we rely on legitimate interests or use it for direct marketing.
– Right Not to Be Subject to Automated Decision-Making: You are protected from decisions based solely on automated processing, including profiling, with legal or similar effects.
These rights can be exercised by contacting [email protected].
6. Security Measures
We employ strict security protocols to prevent unauthorized access, alteration, disclosure, or destruction of your data, including:
– Data encryption (in transit and at rest)
– Access controls with role-based permissions
– Regular backups and disaster recovery measures
– Staff training on data protection and privacy best practices
7. International Transfers
If we transfer your personal data outside your home country, particularly outside the European Economic Area (EEA), we do so using appropriate safeguards, including Standard Contractual Clauses (SCCs), adequacy decisions, and other lawful mechanisms to ensure continued protection of your information.
8. Data Retention
We retain personal data only for as long as necessary for the purposes collected:
– Usage & Technical Data: Up to 24 months
– Account & Profile Data: Up to 5 years post account inactivity or deletion
– Communication Data: Up to 3 years following the conclusion of support activity
– Transaction Data: As required by tax and financial regulations (up to 7 years)
– Preference Data: Until consent is withdrawn or the data becomes irrelevant
Data may be retained longer where required by law or in case of legal claims.
9. Cookie Policy
Our website uses cookies and similar tracking technologies to enhance your experience. These include:
– Essential Cookies: Required for website functionality, such as authentication and security.
– Functional Cookies: Support user preferences such as language and region.
– Analytical Cookies: Help us measure traffic and analyze usage patterns using anonymized data.
– Performance Cookies: Monitor website performance and system diagnostics.
10. Cookie Management and Compliance
By using group-insurance-guide.com, you are presented with cookie consent controls in compliance with GDPR and CCPA regulations. You can modify your cookie preferences at any time using the Consent Management Platform accessible via the site footer.
You may also adjust browser settings to refuse all or some cookies. However, blocking essential cookies may impact your ability to use site features.
11. Children’s Privacy
Group-Insurance-Guide.com does not knowingly collect or solicit personal information from children under the age of 13. If we become aware that personal data has been collected from a child without verifiable parental consent, we will take prompt steps to delete such information. Parents or legal guardians may contact us at [email protected] to request information or deletion related to their child.
12. Policy Updates & User Notifications
We reserve the right to update this Privacy Policy to reflect changes in legal requirements, technology, or service improvements. When material updates are made, you will be notified via a site banner, email, or other appropriate means. Continued use of group-insurance-guide.com following such updates constitutes your acceptance of the revised policy.
13. Contact Information
If you have questions, concerns, or requests related to your personal data or this Privacy Policy, you may contact us at:
Email: [email protected]
We are committed to ensuring your privacy rights are respected and upheld in compliance with applicable data protection legislation. Please do not hesitate to reach out should you have any privacy-related inquiries.