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Privacy Policy

This Privacy Policy describes Himalayan General Insurance Co. Ltd. (HGI) policies and procedures on the collection, use, and disclosure of your information when you use the service and tells you about your privacy rights.

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 Privacy Policy.

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

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

We use cookies and similar tracking technologies to track the activity on our service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze our service.

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 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.

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.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

HGI 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.

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.

If HGI is involved in a merger, acquisition, or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

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

Our Service may contain links to other websites that are not operated by HGI. 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.

Contact Us

If you have any questions about this Privacy Policy, You can contact us: