Privacy Policy

1. Introduction

CubeCover provides innovative insurance solutions, including embedded insurance and microinsurance. We understand the sensitivity of personal information, especially within the insurance sector, and prioritize your privacy and data protection.

2. Information We Collect

We collect various types of information to provide and enhance our Services, including:

• Personal Information: When you sign up for our Services, we collect information such as your name, email address, phone number, and identification documents.
• Financial Information: For insurance subscriptions and claims, we may collect payment information such as credit card details or banking information.
• Insurance-Related Information: This includes information necessary to process and manage insurance policies, such as medical history, device details (for device insurance), and claims history.
• Technical Information: We collect data such as IP addresses, browser types, operating system, and usage statistics through cookies and other tracking technologies.
• Communications: If you contact us, we collect information such as your name, email, and the content of your message.

3. How We Collect Information

• Directly from You: When you create an account, subscribe to an insurance product, file a claim, or communicate with us.
• Automatically: When you use our website or Services, we use cookies, web beacons, and similar technologies to collect data automatically.
• Third-Party Sources: We may collect information from business partners, public databases, and affiliates to enhance our Services.

4. How We Use Your Information

We use the information we collect for various purposes, including:

• Providing Services: To underwrite policies, process claims, manage insurance coverage, and provide customer support.
• Improving User Experience: To personalize content, recommend products, and enhance the usability of our Services.
• Communication: To send administrative information, product updates, and marketing communications (where you have consented).
• API Integration: For business partners using our API, we use the information to facilitate seamless integration and deliver efficient service.
• Analytics: To analyze trends, understand user behavior, and develop new features.
• Compliance and Security: To comply with legal obligations, prevent fraud, and ensure the security of our Services.

5. Legal Basis for Processing Personal Data

We process personal information under the following legal bases:

• Consent: Where you have given consent, such as subscribing to our newsletter.
• Contractual Necessity: To fulfill our contractual obligations in providing insurance services.
• Legitimate Interest: To enhance our Services, ensure security, and conduct analytics.
• Legal Obligations: To comply with applicable laws and regulations.

6. Sharing Your Information

We do not sell your personal information. However, we may share information with:

• Service Providers: Trusted third-party companies that help us provide our Services, such as payment processors, customer service providers, and IT support.
• Insurance Partners: In some cases, your information may be shared with insurers and reinsurers to manage policies and claims.
• API Partners: For our embedded insurance services, data may be shared with business partners who integrate our API into their platforms.
• Legal Authorities: Where required by law, regulation, or legal proceedings.
• Corporate Transactions: In the event of a merger, sale, or acquisition, your data may be transferred as part of the business transaction.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Enhance Website Performance: Ensure our website functions smoothly.
• Personalize Experience: Remember your preferences and enhance user experience.
• Analyze Trends: Monitor website traffic and analyze how users interact with our Services.

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our website.

8. Data Security

We employ a range of technical, administrative, and physical measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. This includes encryption, access control, and regular security audits.

However, please note that no data transmission over the internet is completely secure. While we strive to protect your data, we cannot guarantee the security of any information you transmit to us.

9. Retention of Your Information

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary depending on the nature of the information and the context in which it was provided.

10. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights:

• Access: Request access to the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete personal data.
• Deletion: Request the deletion of your data, subject to legal and contractual obligations.
• Restriction: Request restrictions on the processing of your data.
• Portability: Request a copy of your data in a structured, machine-readable format.
• Opt-Out: Opt out of receiving marketing communications at any time.

To exercise any of these rights, please contact us at care@cubecover.ai.

11. Third-Party Websites

Our Services may contain links to third-party websites that are not controlled by CubeCover. We are not responsible for the privacy practices of those websites, and we encourage you to review their privacy policies.

12. Children's Privacy

Our Services are not intended for children under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently gathered personal information from a child under 18, we will take appropriate steps to delete that information.

13. International Data Transfers

Your information may be transferred to and processed in countries outside of your own, including jurisdictions that may have different data protection laws. We take appropriate safeguards to ensure that your data remains protected in accordance with this Privacy Policy.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or other operational reasons. If we make changes, we will notify you by updating the "Last Updated" date at the top of this page. Your continued use of our Services after any changes to this policy will indicate your acceptance of the updated Privacy Policy.