We care about your privacy, and respect you immensely.
In conformity to laws and regulations in the areas we operate we have provided the following notices.
Our Approach to Privacy
The privacy and security of your personal information is very important to us. We want to assure you that your information will be properly managed and protected.
Information we collect through Cookies and similar technologies
We collect information through “Cookies” and other similar technologies (e.g. pixel tags or links), to remember you when you visit the websites and apps so we can improve your online experience to suit your needs. These help us understand how you and others use our websites and apps, view our products and respond to our advertising, so we can tailor direct marketing and enhance our overall product and service offering. This also saves you from re-inputting information when you return to the websites or apps. When you receive direct marketing from us via email, we may use technology e.g. pixel tags or links to determine your use of and interest in our direct marketing. When you visit one of our websites or apps we may record your device information including hardware and software used, general location, when and how you interact with our websites and apps and your registration and log-in activity when you use our online platforms. This information is retained and used to note your interest in our websites and apps, improve customer use experience, determine pricing and/or offer you available discounts. We collect and use technical data and related information, including but not limited to technical information about device, system and application software, and peripherals, which is gathered periodically to facilitate the provision of software updates, app support and other services related to the app.
Storage of Personal Information
The personal information we collect from you may be transferred to and will be stored in the United States, which may have different levels of privacy than those that apply in your country of residence. By submitting your personal information to us via our website(s), social media and chat platforms, you agree to any such transfers and storage. InsuredNomads will take all reasonable steps to assure the privacy and security of your personal information in accordance with this Privacy Policy Notice. It is important to note that some personal information you provide to third party service providers, such as doctors and hospitals, may be held by them in countries other than your own. Your personal information will be subject to the privacy laws of each such jurisdiction, and these may not provide for the same level of privacy and security as your country of residence. Insured Nomads is not responsible for the practices of those third party service providers.
Managing your marketing preferences
We may on occasion provide you with details on products and service that we think may be of interest to you or which may complement existing products that we provide you. You can opt out of these communications at any time. We may: provide you with updates and offers for our products and services via marketing tailored to you through online digital services (e.g. online advertising, social media communications), or by direct marketing (e.g. phone, e-mail, text, post); and use information we hold about you to help us identify, tailor and package our products and services, determine pricing and offer discounts that may be of interest to you. We will always give you the opportunity to ‘opt out’ of direct marketing when you complete a registration with us, request an online quote, purchase a product or service online or receive any email, text or other direct marketing communication.You can change your marketing preferences at any other time by contacting us on the details given below in the ‘Update your information or change your marketing preferences’ section.
Update your information or change your marketing preferences
Please let us know if your information changes as it is important that the information we hold about you is accurate and up to date.You can ask us to update or correct your personal information contacting us using any of the following methods: By email and by mail: Data Protection Team, Insured Nomads, Attn: Privacy Officer, 120 19th St. N, Suite 120, Birmingham, Alabama, USA 35203
If you have questions or need to contact us regarding our privacy policy you may do so via mail to: Insured Nomads, Attn: Privacy Officer, 120 19th St. N, Suite 120, Birmingham, Alabama, USA 35203 or email.
As stated by Point Comfort Underwriters
Point Comfort Underwriters, Inc. (referred to herein as “PCU”, “we” and/or “us”) considers your privacy of the utmost importance. We are committed to protecting the privacy of visitors and users of our websites and services. We collect, use, disclose and otherwise process personal information in accordance with applicable privacy/data protection laws. This Privacy Policy Notice describes how we collect, use and/or disclose personal information, whether that information is provided to PCU in oral, electronic or written form. It also describes how we safeguard the information you provide to us directly or indirectly. This Policy applies to all PCU websites available to visitors located throughout the world. PCU websites are operated in the United States in accordance with the laws of the United States. These laws may differ from those of your country of residence. PCU reserves the right to change this Privacy Policy and practices at any time. Changes will be posted on this website and will become effective when posted.
Collection of Personal Information
We collect personal information in a variety of ways including the internet, via our websites, the telephone, through written correspondence, from other sources and from third parties who have the authority to disclose personal information to us, or where we are required to do so by law. The personal information collected by us shall be limited to the information necessary for business purposes with respect to products, services and other business relationships we have involving you. Generally, we will explain the purpose of the collection and use of personal information from you when we request it. Should you decide to withhold particular information, it may limit our ability to provide you with the service or products you requested.
Children’s Privacy
PCU websites are not designed for or targeted to or designed to intentionally collect personal information from children under the age of 18. If we determine that a child has provided us with personal information through our website(s), we will take reasonable steps to delete this information. If you believe PCU may have received personal information from a child under the age of 18, please contact us at: privacy@pointcomfort.com.
Cookies
We may use “cookies” to help us improve our website(s) by tracking your preferences and navigation habits. A cookie is a small file created by an internet site to store information on your computer. Cookies do not allow websites to gain access to other information on your computer. Once a cookie is saved on your computer, only the website that created the cookie can read it. No cookie placed on your computer will contain personal information unless it is encrypted.
Use and Disclosure of Personal Information
PCU will not sell your personal information to anyone, ever. We may disclose any of your personal information when it is necessary for the conduct of our business, or when such disclosure is required by law. In the event we provide your personal information to our service providers, we require our service providers to agree to contractual requirements that are consistent with our privacy and security policies and legal requirements. Service providers are required to use the personal information only for the specific purpose for which we supply it to them, and otherwise comply with legal requirements applicable to the personal information in question. If you believe that a third party has disclosed your personal information to us without your consent, please contact that third party. If they do not respond adequately to your inquiries, please contact us at: privacy@pointcomfort.com. While we do not use personal information to send unsolicited marketing materials, we may send certain information to you for legal, regulatory or ethical purposes.
Storage of Personal Information
The personal information we collect from you may be transferred to and will be stored in the United States, which may have different levels of privacy than those that apply in your country of residence. By submitting your personal information to us via our website(s), you agree to any such transfers and storage. PCU will take all reasonable steps to assure the privacy and security of your personal information in accordance with this Privacy Policy Notice. It is important to note that some personal information you provide to third party service providers, such as doctors and hospitals, may be held by them in countries other than your own. Your personal information will be subject to the privacy laws of each such jurisdiction, and these may not provide for the same level of privacy and security as your country of residence. PCU is not responsible for the practices of those third party service providers.
Security of Personal Information
We utilize industry standard security safeguards, including maintaining physical, electronic and procedural safeguards, in compliance with applicable laws to protect personal information from loss, unauthorized access, modification, inappropriate modification or misuse. PCU employees are trained on the importance of privacy including prohibiting the disclosure of personal information to any unauthorized individuals or parties. Electronic files containing personal information are kept in a highly secure environment with restricted access within a secure building. To guard against unauthorized access, PCU employees are required to sign in to secured areas of PCU websites using a User ID and Password. Both are encrypted when sent over the internet. Paper files are stored in a secure building, in locked file cabinets. Access is restricted to authorized employees who have a legitimate business purpose for accessing your personal information.You are responsible for protecting your own personal information contained on PCU websites accessible by you when you access those websites. Do not share your User ID or Password with anyone. If you suspect an unauthorized person is using your User ID or Password, please report it immediately to PCU at privacy@pointcomfort.com. Always logout of our websites when finished. Protect your computer with virus protection and other safeguards to make sure others cannot access your personal information through your computer. PCU is not responsible for disclosure of your personal information due to errors in transmission or unauthorized acts of third parties.When you call us for patient and specific product questions, you will be required to verify your identity by providing personal information. We will only use this information for the purpose of identifying you.While we take reasonable steps to protect personal information transmitted electronically, as outlined in this Privacy Policy Notice, we do not guarantee our ability to do so as no internet transmission is 100% secure.We will not share the personal information of Vermont customers with the Point Comfort Underwriters family of companies or third parties for marketing purposes without your consent.
Access and Accuracy
Where allowed by law, you may request access to personal information we store about you by sending an email to privacy@pointcomfort.com. There may be circumstances when we are unable to provide you with access to your personal information. We may deny or restrict access for legally permissible reasons, such as situations when the information contains references to other individuals and is not reasonably severable, or when it cannot be disclosed for legal, security or commercial proprietary reasons. In the case that your access may be unreasonably burdensome or expensive, the access may be denied or we may charge a fee. We will advise you of any reason for denying or restricting access requested.
We will make every reasonable effort to make sure your personal information is accurate, complete and up to date. If you believe we have inaccurate, incomplete or out of date personal information about you, you may ask us at any time to correct that information. When an individual successfully demonstrates the inaccuracy or incompleteness of personal information held by us, we will correct or update the information as required. Before we are able to provide you with any information or correct any inaccuracies we will ask you to verify your identity and provide other details to help us respond to your request. We will only use this information for the purpose of verification of your identity. Where appropriate, we will communicate changes to your personal information to other parties who may have received incorrect, incomplete or out of date information from us. Certain business partners may require that you contact them directly to correct your personal information. In this case, we will notify you of such.In the course of daily operations, access to personal information is restricted to employees who have a legitimate business purpose for accessing it. We securely destroy, erase, or de-identify personal information when it is no longer required to fulfill our services or our contractual obligations following applicable business, legal or regulatory requirements.
Links to other Websites
When we believe that certain information might be of interest to us or our customers, we may provide links to other websites not owned or controlled by PCU. A link to a non-PCU website does not constitute or imply endorsement by PCU. PCU does not guarantee the quality or accuracy of information presented on non-PCU websites. PCU is not responsible for the privacy or security practices of non-PCU websites. You should review the privacy practices of any website you visit.
Court Order Protection Request
To submit a valid court order of protection and/or request to receive communications of claim-related information by alternative means or at alternative locations to PCU, please send the following information to PCU:
1. policy information if available; and
2. any alternative address, telephone number or other method of contact; and
3. a valid court order of protection issued by a court of competent jurisdiction and/or a statement that disclosure of claim related information could endanger the person seeking confidentiality.The above information should be sent to the following address or email address:
Point Comfort Underwriters, Inc.
306 Prospect St, #100
Indianapolis, IN 46225 USA
Attn: Privacy Officer
Email: privacy@pointcomfort.com
Recommended subject line: Confidentiality Request
To revoke a request, a sworn and notarized statement that confidentiality is no longer required is required.
What products we offer administered by Point Comfort Underwriters?
Travel Insurance plans are the only offered products provided by Point Comfort Underwriters, these are issued as Triptime policies underwritten by HDI/Hannover Specialty.
As stated by Expatriate Healthcare/Strategic Insurance Services Limited (UK) regarding Nomad Health Insurance plans:
We never pass your information to third parties for any marketing purposes.
Strategic Insurance Services Limited (of which, Expatriate Group and Expatriate Healthcare are also trading styles as the administrator of Nomad Health Insurance) is committed to protecting and respecting customers’ personal information.This Privacy Policy relates to our use of any personal information we collect from you, such as via our websites, social media and information we collect through other means, such as email, in writing, in person, over the telephone or via other third party sources.
Our Approach to Privacy
The privacy and security of your personal information is very important to us. We want to assure you that your information will be properly managed and protected.
The following sections detail:
What data we Receive
We receive personal information about you, when you contact us via any of the following channels: requesting or obtaining a quote, purchasing (or renewing) a product from us, using the Website, entering competitions, using live online chat, telephoning, texting, writing by post or email.
This information may include any personal information that we collect and may include: personal details such as your name, address, e-mail address, telephone number, date of birth or age, gender, marital status, IP address. Additional information about your lifestyle and insurance requirements, such as details of your health, the countries you visit, sports in which you participate, hobbies in which you participate and any travel arrangements – including any expected changes to lifestyle in the future.Information about your other policies, such as claims history, quotes history, payment history, claims data.
Sensitive personal information such as health information (for example alcohol consumed, recreational drug use, tobacco use, current state of health, existing conditions, family or personal history in relation to some conditions). We will always be clear to explain when and why we need this information and the purposes for which we will use it and will obtain your explicit consent to use sensitive personal information.Information about your employment, including salary.
Personal information about others: We may collect information about other members of your household or family, for example, family members who may be included on your insurance policy or on whose life you take out an insurance policy.If you give us information about another person it is your responsibility to ensure and confirm that: you have told the individual who we are and how we use personal information, as set out in this Privacy Policy; and you have permission from the individual to provide that personal information (including any sensitive personal data) to us and for us to process it, as set out in this Privacy Policy.
Information we collect through Cookies and similar technologies
We collect information through “Cookies” and other similar technologies (e.g. pixel tags or links), to remember you when you visit the websites and apps so we can improve your online experience to suit your needs. These help us understand how you and others use our websites and apps, view our products and respond to our advertising, so we can tailor direct marketing and enhance our overall product and service offering. This also saves you from re-inputting information when you return to the websites or apps.When you receive direct marketing from us via email, we may use technology e.g. pixel tags or links to determine your use of and interest in our direct marketing.
When you visit one of our websites or apps we may record your device information including hardware and software used, general location, when and how you interact with our websites and apps and your registration and log-in activity when you use our online platforms. This information is retained and used to note your interest in our websites and apps, improve customer use experience, determine pricing and/or offer you available discounts.
We collect and use technical data and related information, including but not limited to technical information about device, system and application software, and peripherals, which is gathered periodically to facilitate the provision of software updates, app support and other services related to the app.
Information collected from third parties
We may use information about you from publicly available sources e.g. an Electoral roll. We may also obtain information about you from credit reference agencies and similar third parties.
Third Party information
We may obtain information about you from medical professionals or your employer. We will always seek your permission to contact these people for your information.We may obtain information about you from our third party suppliers and other third party databases, such as commercial property sites, government sites for marketing insights, pricing research, product development, business strategy and to detect and prevent fraudulent activity.Where we believe there may be fraudulent activity we may share your data with another insurance company, Third Party Administrator, insurance broker, fraud agency, fraud membership organisation or the police. Data is supplied and requested by Data Protection Act Section 29 request, of which more details can be found here https://www.legislation.gov.uk/ukpga/1998/29/section/29.
How we use the information we receive
We use the information that you provide us in a number of ways, but only ever to provide you with details and quotes about our products and services, to administer your policy, to provide you with renewal terms, to comply with a DPA Section 29 request and to provide you with details about other products, to provide you with additional important information about Strategic Insurance Services Limited, any changes to products and services that we provide you.
We never pass your information to third parties for any marketing purposes.
Services include: Administration of quotes and policies, including to: improve your experience by reducing the number of questions we need to ask you assess your application for a product, service or quote, understand your risk so as to offer you our best price verify your identity and carry out anti-fraud checks, provide you with premium and payment options, check that you can afford a credit agreement administer your policy including updating you on and delivering our services.handle claims deal with complaints identify which products may be of interest to you and provide you with information about those products.provide you with tailored offers.
How we use information to improve our products
We may also use your information for research or statistical purposes, including to analyse how people use our Websites, view our products, respond to our advertising and to improve our understanding of what customers need.We may use your information for training purposes, to improve our services and their delivery, for example by recording telephone calls.
Who has access to your information?
We will not sell or rent your information to third parties. We will not share your information with third parties for marketing purposes.If you request a quote, or purchase a product or service, your personal information may be shared with and processed by the underwriter of your contract (and their reinsurers, if appropriate), your appointed introducers / intermediaries, as well as the policy holder (for a corporate policy), including third parties providing services to us (e.g. our 24 hour assistance provider).Third Party Service Providers working on our behalf: We may pass your information to our third party service providers, agents subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf (for example to provide you with a 24 hour medical assistance helpline).
However, when we use third party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes.Your information may also be disclosed when, we believe in good faith that the disclosure is:required by law; or to protect the safety of our employees or the public; or required to comply with a judicial proceeding, court order or legal process; orin the event of a merger, asset sale, or other related transaction; or for the prevention or detection of crime (including fraud). We may share your information with regulatory bodies in the UK and overseas, including outside the EU, as well as with other insurance companies (directly or via shared databases) to prevent and detect fraud.
Fraud Prevention and Detection
In order to prevent and detect fraud we may at any time:share information about you with other insurance provider, organisations and public bodies including the Police; undertake credit searches and additional fraud searches; check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this to prevent fraud and money laundering.
Data transfer and consent
Your information may be transferred by us to any country, including countries outside of the European Economic Area (EEA), for processing, storage, administration or any other use stated in this policy. The purposes and processing associated with any such transfer will comply with all applicable data protection regulations, including the UK Data Protection Act, and with our obligation to adequately protect and secure your personal information. Where required under applicable laws we will take measures to ensure that personal information handled in other countries will receive at least the same level of protection as it is given in the EEA.By providing your personal information to us you consent to the transfer of your information as described above.
Security of your information
We are committed to protecting the confidentiality and security of the information that you provide to us and we put in place appropriate technical, physical and organisational security measures to protect against any unauthorized access or damage to, or disclosure or loss of, your information. You should also be aware that communications over the internet, such as e-mails, are not secure unless they have been encrypted. The Websites may contain links to third party websites. These other websites will be subject to their own privacy policies which may differ from this Privacy Policy. You should carefully read the privacy policies of these websites before submitting any personal information.
Managing your marketing preferences
We may on occasion provide you with details on products and service that we think may be of interest to you or which may complement existing products that we provide you. You can opt out of these communications at any time. We may: provide you with updates and offers for our products and services via marketing tailored to you through online digital services (e.g. online advertising, social media communications), or by direct marketing (e.g. phone, e-mail, text, post); and use information we hold about you to help us identify, tailor and package our products and services, determine pricing and offer discounts that may be of interest to you.We will always give you the opportunity to ‘opt out’ of direct marketing when you complete a registration with us, request an online quote, purchase a product or service online or receive any email, text or other direct marketing communication.You can change your marketing preferences at any other time by contacting us on the details given below in the ‘Update your information or change your marketing preferences’ section.
Update your information or change your marketing preferences
Please let us know if your information changes as it is important that the information we hold about you is accurate and up to date.You can ask us to update or correct your personal information contacting us using any of the following methods: By email: data@expatriategroup.com and by mail: Data Protection Team, Expatriate Group, Delmon House, 36-38 Church Road, Burgess Hill, West Sussex, RH15 9AE United Kingdom
Our Service
The plans sold as Nomad Health Insurance are provided and administered by: Expatriate Healthcare (Strategic Insurance Services Limited), Delmon House, 36-38 Church Road, Burgess Hill, West Sussex, RH15 9AE, United Kingdom. You will not receive advice or a recommendation from us with regards to this insurance, you will need to make your own choice about how to proceed.
What products does Expatriate Group offer?
Expatriate Group only offers products provided by Expatriate Healthcare and sold through Insured Nomads as Nomad Health Insurance.
In purchasing their products you will be insured by
Guardrisk Insurance Company Mauritius Ltd PCC authorised and regulated by the FSC in Mauritius (Registration number: C142417/C1/GBL).
Information on how we treat payments you make to us
Under the terms of our agreements with the Insurance companies with whom we place business, we normally receive premiums you pay to us as Agent of the Insurer. All insurance premiums you pay to us are protected in a Non-Statutory Trust Account until we pay insurers. We may use premiums kept in this account to provide credit to our customers, and, as a result we maintain additional capital resources and strict credit-control and monitoring procedures, as required by the FCA. We do not pay any interest on premiums held by us in the course of arranging and administering your insurance.
What you will pay for our services
We receive a commission from the insurer with who we place this business. If your insurance has been arranged via an insurance broker or intermediary, we will pay them a commission. You should not be charged a separate amount by them if their sole consideration is the advice and provision of the Nomad Health Insurance/Expatriate Healthcare Plan.
What to do if you have a complaint
We aim to give You the highest standards of service and to meet any claims covered by this policy promptly and fairly. However if You feel that we have not met these standards we would like to hear from You. If You have cause for complaint we will investigate and review Your case immediately and respond to You in writing.If you have a complaint about how your policy was sold or administered, or about the settlement of a claim, please contact:
The Healthcare Manager
Expatriate Healthcare
Delmon House
36-38 Church Road
Burgess Hill
West Sussex
RH15 9AE
United Kingdom
Tel: +44 20 3551 6634
Fax: +44 (0)870 428 5141
You may also choose to use the European Commission’s Online Dispute Resolution platform (https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.show&lng=EN) however please note that this may result in your complaint taking longer to reach us and therefore longer for us to resolve. Beyond Expatriate Healthcare: If We have given You Our final response and You are still dissatisfied You may refer Your case to the Financial Ombudsman Service (Ombudsman). The FOS is an independent body that arbitrate on complaints about general insurance products. It will only consider complaints after We have provided You with written confirmation that Our internal complaints procedure has been exhausted. The Ombudsman can be contacted at:
Insurance Division
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone: 0845 080 1800
Fax: 020 7964 1001
Please note that You have six months from the date of Our final response in which to refer Your complaint to the Ombudsman.Referral to the FSO will not affect Your right to take legal action against Us.
Your right to cancel the Nomad Health Insurance policy
If for any reason you are not satisfied with the Policy provided you may cancel your cover within 30 days of the Effective Date or any subsequent Renewal Date and, so long as you have not made a claim in that period, your premium for the new Period of Cover will be refunded in full. If you do not exercise this cancellation right, the insurance policy will be binding on you.
Are we covered by the Financial Services Compensation Scheme (FSCS)?
Guardrisk Insurance Company Mauritius Ltd PCC is authorized and regulated by the FSC in Mauritius (Registration number: C142417/C1/GBL) and is not part of the Financial Services Compensation Scheme (FSCS) in the event of it becoming insolvent.
Language Used
The English language will be used for all communications, the contractual terms and conditions, and any information we are required to supply to you, before and during the duration of the contract.
Your Duty to Give Information
It is Your responsibility to provide complete and accurate information to insurers when You take out Your insurance policy, throughout the life of Your policy, and when You renew Your insurance.It is important that You ensure that all statements You make on proposal forms, statements of fact, claim forms and other documents are full and accurate. Please note that if You fail to disclose any information or change in circumstances to Your insurers which could influence the cost, or their decision to accept Your insurance, this could invalidate Your insurance cover, and could mean that part or all of a claim may be not be paid. We at Insured Nomads take your privacy very seriously, as do our partners, underwriters, medical assistance providers and claims administrators.
