What types of data are collected?
When you provide information in our proposal forms when applying for our products or services, enter information for inquiry, and/or enter your data while using our live chat feature we may ask you to provide identifiable information that can be used to contact or identify you. Personally, identifiable information may include, but is not limited to:
- Email address
- First name and last name
- Phone number
- Address, State, Province, ZIP/Postal code, City
- Citizenship Number
- Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as your Device’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. Your personal identification data are not collected in usage data.
When you access the service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile internet browser you use, unique device identifiers and other diagnostic data.
We may also collect information that your browser sends whenever you visit our service or when you access the service by or through a mobile device.
Tracking Technologies and Cookies
How we use your data?
HGI may use personal data for the following purposes:
- To provide and maintain our Service, including to monitor the usage of our service.
- To provide you with news, special offers, and general information about other goods, services, and events that we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.
- For other purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns, and to evaluate and improve our service, products, services, marketing, and experience
We may share your personal information in the following situations:
- With Service Providers: We may share your personal information with service providers to monitor and analyze the use of our service, to contact you.
- For business transfers: We may share or transfer your personal information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
- With business partners: We may share your information with our business partners to offer you certain products, services, or promotions.
- With other users: when you share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
- With your consent: We may disclose your personal information for any other purpose with your consent.
Retention of Your Personal Data
HGI 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.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the HGI’s operating offices and in any other places where the parties involved in the processing are located. It means that this information 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 from those from your jurisdiction.
Disclosure of Your Personal Data
We may be required to disclose certain information about you and/or your accounts and/or insurance policy(es) provided to us to the third parties listed below to provide you with our products and services.
- Product distributors, agents, and service providers who help us in processing and providing services to you on your behalf.
- Other insured and beneficiaries on your policy
- Insurance brokers, reinsurance companies, and surveyors.
Under certain circumstances, HGI 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).
Other legal requirements
HGI may disclose your Personal Data in the good faith belief that such action is necessary to:
- Comply with a legal obligation
- Protect and defend the rights or property of the Company
- Prevent or investigate possible wrongdoing in connection with the Service
- Protect the personal safety of users of the Service or the public
- Protect against legal liability
Security of your Personal Data
The security of our Personal Data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. We strive to use commercially acceptable means to protect your Personal Data and review them regularly.
Links to Other Websites
We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.