Privacy policy
1. Introduction.
1.1. The privacy of our website users is of great importance to us, and we make every effort to ensure that it is protected. This policy explains how we use your personal information.
1.2. By agreeing to the use of cookies on your first visit to our website, in accordance with the provisions of this Policy, you give us permission to use cookies on each of your subsequent visits.
1.3. Pursuant to the requirements of the Law of Ukraine “On Personal Data Protection” (hereinafter – the Law), the Insured and/or the Insured person shall provide PJSC “INSK” (hereinafter – the Insurer) with his/her full unlimited consent to the processing of his/her personal data in any manner provided for by the Law, entering them into the personal data bases of the Insurer and/or the Insured, transferring and/or providing access to third parties without obtaining additional consent of the Insured and/or the Insured person. Personal data shall be processed by the Insurer for the purpose of proper fulfillment of the terms of the Agreement, investigation and conduct of insurance activities in accordance with the current legislation of Ukraine. The Insured and/or the Insured person also agrees to offer the Insurer’s services to him/her, including by making direct contacts with him/her and sending him/her messages by any means of communication. The Policyholder and/or the Insured shall be notified of their rights under the Law and of inclusion of their personal data in the Insurer’s personal data bases. Within the meaning of the Law, personal data shall mean any information regarding the Insured person, including surname, name, patronymic, date and place of birth, address, telephone number, passport details, identification number, profession, information regarding health status, diagnoses, prescribed treatment, as well as other information provided during conclusion and performance of the Contract, including information provided by the Insured and/or the Insured person about the Beneficiary.
2. Collection of personal data.
2.1. The following types of personal data are collected, stored and used: information about your computer, including your IP address, geographic location, browser type and version, and operating system; information about your visits to and use of this website, including referral sources, length of visits, pages viewed and site navigation paths; information about your email address that you used to register on our website; information that you entered when you created a profile on our website – for example, your
2.2. Before you disclose personal information of a third party to us, you must obtain the consent of that person to both disclose and process that information in accordance with this policy.
3. Use of your personal information.
3.1. The personal information you have provided to us through our website will be used for the purposes specified in these rules or on the relevant pages of the website. We may use your personal information for the following purposes: to administer our website and business; to personalize our website for you; to enable you to use the services available on our website; to provide you with services purchased through our website; to send you notices, invoices and payment reminders, and to receive payments from you; to send you non-marketing commercial communications; to send you email communications that you have specifically requested; to send you email newsletters, such as
4. Disclosure of personal information.
4.1. We reserve the right to disclose your personal information to any of our employees, officers, partners, professional advisors, agents to the extent and for the purposes set forth in this Policy.
4.2. We reserve the right to disclose your personal information to any member of our group of companies (this includes our subsidiaries, our ultimate holding company and all of its subsidiaries) to the extent and for the purposes set forth in this policy.
4.3. We reserve the right to disclose your personal information: where we are required to do so by law; in connection with any current or future legal proceedings; to establish, exercise or defend our legal rights (including providing information to other parties for fraud prevention or credit risk mitigation purposes); to the purchaser (or prospective purchaser) of any business or assets we sell (or intend to sell); and to any person who we reasonably believe may be required to do so by law or otherwise in
4.4. We will not disclose your personal information to third parties, except as set forth in this policy.
5. International transfers of personal information.
The information we collect may be stored, processed and transferred between any countries in which we operate in order to enable us to use that information in accordance with this policy.
6. Storage of personal information.
6.1. The retention of personal information provided by you is intended to ensure that we comply with our legal obligations to store and delete personal information.
6.2. Personal information that we process for a specific purpose or purposes should not be stored for longer than necessary to achieve this purpose or these purposes.
7. Protection of your personal information.
7.1. We will take sufficient technical and organizational measures to prevent the loss, misuse or falsification of your personal information.
7.2. We will store all personal information you provide on our secure (both password and firewall) servers.
7.3. All electronic financial transactions made through our website will be protected by data encryption technology.
7.4. You acknowledge that you are familiar with the fact that the transmission of information over the Internet is essentially unprotected, and we cannot guarantee the protection of data sent over the World Wide Web.
7.5. You are solely responsible for keeping your password to access our website confidential. We will never ask you for your password (except when you try to log in to your account on our website).
8. 8. Changes and amendments.
We reserve the right to make changes and amendments to these rules from time to time and to publish a new version on our website. You should check this web page periodically to make sure that you understand the content of the changes made to these rules. We may also inform you about changes to these rules by sending an e-mail or through the private messaging system of our website.
9. Your rights.
9.1. You may instruct us to provide you with any personal information we hold about you.
9.2. We reserve the right to refuse to provide information upon your request, within the limits of applicable law.
9.3. You have the right to instruct us not to process your personal information for marketing purposes.
9.4. In practice, you will usually either agree in advance to our use of your personal information for marketing purposes or we will provide you with the opportunity to opt-out of our use of your information for marketing purposes.
10. 10. Third-party websites.
Our website may contain hyperlinks to websites of third-party companies and individuals. We have no control over, and are not responsible for, the privacy policies and practices of third parties and companies in this area.
11. Update information.
Please notify us in a timely manner if your personal information held by us needs to be updated or corrected.
12. Cookies.
Our website uses cookies. A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and stored by the browser. Subsequently, the identifier is sent back to the server every time the browser requests a web page from the server. Cookies can be either “persistent” or “session”: persistent cookies will be stored by the browser and will be valid until the expiration date, unless deleted by the user in advance; “session” cookies, on the contrary, will be deleted after the end of the session with the site or after closing the browser. Cookies usually do not contain any personally identifiable information. However, your personal information that we hold may be linked to information stored and obtained from cookies.