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Cookies Policy

The Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" ("us", "we", or "our"), operates the travel-insurer.com website (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.

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).
    • “Service” means the travel-insurer.com website operated by Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL", a limited liability company.
    • “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

  • Travel-Insurer.com 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; and
    • 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. Legal Basis For Processing Personal Data Under General Data Protection Regulation (GDPR).

  • If you are from the European Economic Area (EEA), Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL"'s legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.
  • Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" may process your Personal Data for the following reasons:
    • We need to perform a contract with you;
    • You have given us permission to do so;
    • The processing is in our legitimate interest and it is not overridden by your rights;
    • For payment processing purposes; and
    • To comply with the law.

5. Retention Data

  • Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" 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.
  • Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" 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.

6. 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. If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" 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.

7. Disclosure of Data

  • Disclosure for Law Enforcement. Under certain circumstances, Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" 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. Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" 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 of Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL"; (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.

8. 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.

9. "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.

10. Your Data Protection Rights Under General Data Protection Regulation (GDPR)

  • If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data. If you wish to be informed what Personal Data we hold about you, and if you want it to be removed from our systems, please contact us.
  • Under certain circumstances, you have the following data protection rights:
    • The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.
    • The right to rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
    • The right to object. You have the right to object to our processing of your Personal Data.
    • The right of restriction. You have the right to request that we restrict the processing of your Personal Data.
    • The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.
    • The right to withdraw consent. You also have the right to withdraw your consent at any time where Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" relied on your consent to process your Personal Data.
  • Please note that we may ask you to verify your identity before responding to such requests.
  • You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local Data Protection Authority in the European Economic Area (EEA).

11. Service Providers

  • We may employ third-party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
    • Analytics. We may use third-party Service Providers to monitor and analyze the use of our Service such as Google Analytics.
    • Google Analytics. Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page:  https://policies.google.com/privacy?hl=en
    • Behavioral Remarketing. Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" uses remarketing services to advertise to you on third-party websites after you visited our Service. We and our third-party vendors use Cookies to inform, optimize and serve ads based on your past visits to our Service.
      1. Google AdWords. Google AdWords remarketing service is provided by Google Inc. You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads . Google also recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout  - for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en 
      2. Bing Ads Remarketing. Bing Ads remarketing service is provided by Microsoft Inc. You can opt-out of Bing Ads remarketing by visiting: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads . You can learn more about the privacy practices and policies of Microsoft by visiting their Privacy Policy page: https://privacy.microsoft.com/en-us/PrivacyStatement 
      3. Twitter. Twitter remarketing is provided by Twitter Inc. You can opt-out from Twitter’s interest-based ads by following their instructions: https://support.twitter.com/articles/20170405 . You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy 
      4. Facebook. Facebook remarketing service is provided by Facebook Inc. You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950 . To opt-out from Facebook's interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217 . Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/ , the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/  or the European Interactive Digital Advertising Alliance in Europe  http://www.youronlinechoices.eu/ , or opt-out using your mobile device settings. For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation 
      5. Payments. We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors). We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your Personal Data is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

12. 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.

13. 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.

14. 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.

Additional Disclosure Regarding Cookies

  • Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL", a Delaware limited liability company ("us", "we", or "our") operates the travel-insurer.com website (the "Service"). By using the Service, you consent to the use of Cookies. Our Cookies policy explains what Cookies are, how we use Cookies, how third-parties we may partner with may use Cookies on the Service, your choices regarding Cookies and further information about Cookies.

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 Private Joint Stock Company "INNOVATIV INSURANCE CAPITAL" Uses 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.

What Are Your Choices Regarding Cookies

Where You Can Find More Information About Cookies