Privacy Policy
This Privacy Policy ("Policy") explains in general terms how Travelner and its subsidiaries, related bodies corporate and franchisees (collectively referred to in this document as "Travelner”, "we", "our" or "us") regarding the collection, use and disclosure of information that we receive when you use with respect to your access and use of our travel insurance services (the Services), whether through our website located at https://www.travelnerinsurance.com/ or other websites, we may own or control (the Website), or through contacting us by telephone or other forms of communication. This Privacy Policy applies only to Travelner travel insurance services and doesn't apply to any third-party websites, services or applications, even if they are accessible through our Services or the Site.
By using or accessing our Services or the Site, you give us your consent to collect store and process your personal data in accordance with this Privacy Policy (except in certain cases described below, where you may specifically opt out of certain uses of your personal data). If you do not wish to allow us to do so, please do not use our Services. If you wish us to stop collecting and processing your personal data, please contact us as indicated in this Privacy Policy.
What is personal data?
In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.
How We Collect Your Personal Information
We collect personal information in a variety of ways and depending on the relationship that you have with us.
1. From You
We may collect Personal Information from you when you contact or interact with us or as needed to underwrite, service, and administer insurance products.
2. From Cookies and Similar Technology
Cookies:
We may use web technologies such as cookies, which automatically collect certain information from you and store it in log files.
A cookie is a small file stored on the device you are using to access Travelner Services. This file uniquely identifies and recognizes your browser or device and transmits information back to the server. Depending on the cookie type, it may perform functions such as remembering your preferences, improving the quality of your visit, recording the website pages you view, remembering the name or address you entered during a visit, or delivering ads that are targeted to your interests and browsing activity.
We use essential cookies on our website to improve the Site’s functionality and analytics cookies to understand how you use the Site, improve its functionality, and for other related purposes. We also use advertising/marketing cookies on the Site to help us with our marketing activities.
Important: By using the Website, you consent to the processing of any personal information for the analytics purposes and functions described above.
Embedded Content
The Site contains embedded content (e.g., videos). Embedded content may place third-party cookies on your device that track your online activity to enhance your experience or assess the success of your application. We have no direct control over the information these cookies collect, and you should refer to their website privacy policy for additional information.
Controlling Cookies
You may control cookies, including preventing or stopping the installation and storage of cookies, through your browser settings and other tools. Most browsers will allow you to block or refuse cookies. However, you may need to manually adjust your preferences each time you visit a site. For more information, see the Help section of your browser. Please note that if you block certain cookies, some of the services and functionalities of our Site may not work.
Statistical Data
As is true of most websites, we gather some personal information automatically and store it in log files. This information may include the Internet Protocol (IP) address, browser type, language, Internet service provider (ISP), referring and exit page, operating system, and date/time stamp. In addition to the purposes above, we use this personal information to understand and analyze trends, administer the Website, learn about user behavior on the Website, and gather demographic information about our user base.
To monitor the use of the Website and improve its quality, we may compile statistical information concerning the use of the Website through analytics services, such as those provided by Google Analytics. Examples of this information may include the number of visitors to the Website or to sections or pages within the Website, patterns of traffic flowing through the Website, length of time spent on the Website, or in sections or pages of the Website, the other sites that refer visitors to the Website, the pages of the Website that visitors frequently use as entry and exit points, utilization of the browser and operating systems and versions used by visitors to the Website.
We also may use this personal information in our marketing and advertising services.
How We Use Your Personal Information
On this website, we are committed to safeguarding your personal information and respecting your privacy. This document outlines how we collect, process, and utilize your personal information when you interact with our travel insurance packages and Travelner services. By using our services, you consent to the practices described below.
1. Information Collection and Usage
Personal Details: When you purchase a travel insurance policy or make inquiries about our services, we may collect personal details such as your name, contact information, date of birth, and nationality. We use this information to accurately identify you and provide you with the requested services.
Travel Information: To offer you the most suitable insurance options, we may ask for details about your travel plans, including destination, trip duration, and purpose of travel. This information helps us tailor insurance packages to your specific needs.
Payment Information: When processing payments for insurance premiums, we collect payment-related information, such as credit card details or bank account information. This data is solely used for completing transactions and preventing fraudulent activities.
2. Purpose of Data Processing
Policy Management: We use your personal information to manage your insurance policy, including issuing, renewing, or amending policies based on your requests.
Communication: We may use your contact details to communicate important policy-related information, updates, and any changes to our services.
Claims Processing: In the event of a claim, we will use the information provided to evaluate and process your claim efficiently.
Customer Support: Your information allows us to provide effective customer support, answer your inquiries, and assist you with any concerns you may have.
Service Improvement: We analyze aggregated and anonymized data to improve our services, enhance the user experience, and develop new insurance offerings.
3. Data Sharing and Disclosure
Third Parties: We may share your information with authorized third parties, such as underwriters, claims adjusters, and service providers, strictly for the purposes of providing our services to you.
Legal Requirements: In certain circumstances, we may be required to share your information to comply with legal obligations, regulatory authorities, or court orders.
Data Security: We employ industry-standard security measures to protect your personal information from unauthorized access, disclosure, or alteration. Our safeguards include encryption, secure storage, and access controls.
Your Choices: You have the right to access, update, or correct your personal information in our records. If you wish to do so, please contact our customer support.
Consent: By using our travel insurance services, you consent to the collection, processing, and usage of your personal information as described in this document.
Changes to This Policy: We may update this policy from time to time to reflect changes in our practices or legal requirements. Any modifications will be effective upon posting on our website.
4. Recipients of Your Personal Information
At Travelner Group company, your personal information may be shared with various entities to ensure the provision of our travel insurance services and to meet legal and regulatory requirements. We are committed to transparency in this process and believe in safeguarding your privacy. Below, we elaborate on the recipients with whom we may share your personal information:
Public Authorities: In compliance with legal obligations and regulations, we may share your personal information with government agencies, regulatory bodies, and law enforcement authorities. This may be necessary for activities such as fraud prevention, anti-money laundering checks, and national security purposes.
Other Travelner Group Companies: As part of the Travelner Group, we may share your information with affiliated companies within our corporate group. This enables us to provide a seamless customer experience across various travel-related services and enhance the quality of our offerings.
Other Insurers, Co-insurers, and Re-insurers:Other Insurers, Co-insurers, and Re-insurers: In cases where you have multiple insurance policies or when the risk is shared among different insurers, we may need to share your information with these parties. This ensures that your coverage is accurately determined and claims are processed efficiently.
Insurance Brokers: If you purchased our insurance through an intermediary such as an insurance broker, we may share relevant information with them to facilitate policy issuance, claims processing, and general service-related activities
Medical Providers: To process claims related to medical emergencies during your travel, we may share your information with medical service providers. This ensures that proper care is administered and claims are validated appropriately.
Legal Professionals: In the event of a legal claim or dispute, we may share your information with legal professionals, including lawyers and legal advisors. This is essential to protect your rights and interests in legal matters.
Insurance Fraud Investigators: To prevent and detect fraudulent activities, we may collaborate with specialized investigators who analyze data for signs of fraudulent claims or suspicious activities.
External Auditors: We engage external auditors to assess our operational processes, financial practices, and compliance with industry standards. In this process, they may have access to your personal information in a controlled and secure manner.
Banks: For payment processing and premium collection, we work with banks and financial institutions. This involves sharing payment-related information to facilitate secure transactions.
Please be assured that we prioritize data security and privacy in all our interactions with these entities. We maintain strict confidentiality agreements and adhere to industry best practices to protect your information.
Additional Detail
Fulfilling Quote Requests or Policy Purchases
The information collected for a quote or for an insurance policy is used to provide policy quotes and to issue your policy. This information is only sent to the insurance company underwriting the policy and/or the insurance company administrator (a company contracted by the insurance company to manage the administration of certain insurance products).
When we collect information for a quote or an insurance policy, we will use it only in connection with the provision of the quote and/or delivering, billing for, and communication concerning the relevant insurance policy or policy application, including (where applicable) allowing you to use a customer portal on travelnerinsurance.com to access information regarding the relevant insurance policy or policy application.
Marketing Communications
We may use personal data to display customized, personalized content to our visitors and to send newsletters, emails, features, promotional material, surveys, and other updates to our users. We may extend offers to users on behalf of our partners about a particular product or service that may be of interest to you, but we will never give out personal data in a form identifiable to you for those purposes without your permission. You may, at any time, opt out of receiving such communications by contacting us (or by using any other mechanism we provide, such as an unsubscribe link in an email).
Trans-Border Data flows
When you provide, or otherwise allow us to collect, your personal information, you consent to your personal information being disclosed to certain overseas recipients, as set out below. When we disclose your personal information to an overseas recipient, you agree that we will not be required to ensure the recipient’s compliance with privacy laws or otherwise be liable or accountable for how the recipient handles your personal information. If you have any objections to your personal information being disclosed to an overseas recipient, please let us know.
In providing our services to you, it may be necessary for us to disclose personal information to relevant overseas travel service providers. For instance, where you request travel to be booked with an overseas travel service provider, we will usually need to disclose your personal information to that provider for the purposes of arranging your booking with them. These travel service providers will in most cases receive your personal information in the country in which they will provide the services to you or in which their business is based.
We may also disclose your personal information to our overseas related entities and to travel service providers and other third parties who perform services for us overseas. Generally, we will only disclose your personal information to these overseas recipients in connection with the facilitation of your travel booking and/or to enable the performance of administrative and technical services by them on our behalf.
We deal with many different service providers all over the world, so we can’t set out in this Policy all of the different countries to which we may send your personal information. However, if you have any specific questions about where or to whom your personal information will be sent, please refer to the “Feedback / Complaints / Contact” section below.
Tracking Technologies / Cookies
Cookies
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We may link the information we store in cookies to any personal information you submit while on our website. Cookies save data about individual visitors to the website, such as the visitor's name, password, username, screen preferences, the pages of a site viewed by the visitor, and the advertisements viewed or clicked by the visitor. At Travelner we use cookies to identify a visitor’s browser, to anonymously track visits, or to enhance the experience of the website.
We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. When the visitor revisits the website, we may recognize the visitor by the cookie and customize the visitor's experience accordingly. You can remove persistent cookies by following the directions provided in your Internet browser’s “help” file.
Social Media: Some of our websites include social media cookies, including those that enable users who are logged in to the social media service to share content via that service.
Interest-Based Advertising: Travelner uses cookies to collect data about your online activity and identify your interests so that we can provide advertising that is most relevant to you. You can opt out of receiving interest-based advertising at any time.
Showing Advertising: Travelner uses cookies to record how many visitors have clicked on an advertisement and to record which advertisements you have seen so you don’t see the same one repeatedly.
If you reject cookies, you may still have access to our website, but your ability to use some areas of our website, such as contests or surveys, will be limited.
Google Analytics
When you visit certain sections of the website, Google Analytics, a website analytics service provided by Google, Inc (“Google”), will place cookies on your computer’s browser. The information generated by the cookie about your use of the website is transmitted to Google. This information is then used for the purpose of compiling statistical reports to enable us to measure and analyse the number of visits to the site and its pages, the average time spent on the site and the pages viewed. We will not (and will not allow any third party to) use Google Analytics to track or to collect any personal data of visitors to our website. We will not associate any data gathered via the use of cookies with any personal data from any source as part of our use of Google Analytics.
Linked Sites
Our website may contain links to third-party sites over which we have no control. We are not responsible for the privacy practices or the content of such websites. We encourage you to read the privacy policies of any linked sites you visit as their privacy policy and practices may differ from ours.
General Data Protection Regulation (“GDPR”)
Unless stated otherwise, where and when GDPR applies to the following information, Travelner is the data controller. If you are a citizen or resident of the European Union and you are visiting a website affiliated with a Travelner entity, or you are an insured person through Travelner, or a Travelner entity administers a health plan that covers you, Travelner may send your personal data to the United States for use and processing as necessary to serve you or to provide you with the best products, services, and experiences possible. If this occurs, your personal information will be transferred subject to the appropriate safeguards under UK and EU law.
Feedback / Complaints / Contact
If you have any inquiries, comments, or complaints about this Policy or our handling of your personal information, please get in touch with your consultant or email us at [email protected] We will respond to any complaints received as soon as practicable.
Changes to our Policy
From time to time it may be necessary for us to review and revise this Policy. We reserve the right to change our Policy at any time and for any reason. If we make a change to the Policy, the revised version will be posted on our website.