Privacy Policy

Introduction

Welcome to https://phoenix-insurance-for-non-u-s-residents.livebursts.com (hereafter referred to as “Phoenix Insurance,” “we,” or “our”). We are dedicated to protecting your privacy and ensuring the security of your personal data. This comprehensive Privacy Policy explains our practices regarding the collection, storage, access, and handling of personal information in accordance with various international privacy laws and regulations, including but not limited to:

Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)
Quebec Law 25 on the protection of personal data in the private sector
The General Data Protection Regulation (GDPR) of the European Union
Brazil’s General Data Protection Law (LGPD)
California Consumer Privacy Act (CCPA/CPRA) and Colorado Consumer Privacy Act (CPA) in the United States
Utah, Connecticut, Virginia, South Africa, and other states’ respective privacy laws.

Scope

This policy covers all aspects of our website (https://phoenix-insurance-for-non-u-s-residents.livebursts.com), applications, online services, and products offered by Phoenix Insurance. Please note that this policy does not extend to third-party platforms or services accessed through links on our site, as they have their own privacy policies governing data collection and usage.

Processing Activities

This Privacy Policy is relevant when you engage in the following activities:

Utilizing our applications and services as an authorized user.
Visiting any of our websites linked to this policy.
Subscribing to newsletters, emails, or other communications from Phoenix Insurance.
Interacting with us via phone calls, text messages (SMS), or other messaging services.

Personal Data Collection

We collect a range of personal data, including:

Account Information: Details related to your user account, such as usernames and passwords.
Payment Information: Cardholder details, payment history, and billing addresses for processing transactions.
Financial Information: Data about your financial status, assets, and investments for risk assessment purposes.
Purchase Information: Records of products or services purchased from us, including quantities and transaction dates.
Mobile Device Identifiers: Unique device identifiers, IP addresses, and mobile app usage data collected through our applications.
Location Data: Geolocation information provided by your browser or device when using our location-based services.
Feedback: Comments, reviews, and responses you provide to enhance our services.
Social Media Information: Publicly available data from social media platforms when users interact with us on these platforms.
Product Information: Details about products of interest, inquiries, or purchases made through our website.

We obtain this information through direct user input, online interactions, and automated tracking technologies like cookies, pixels, and device fingerprinting. Additionally, we may receive personal data from third parties, such as payment processors or identity verification services, who operate under strict privacy agreements.

Cookies

Phoenix Insurance uses cookies to enhance your browsing experience and for analytics purposes:

Strictly Necessary Cookies: These are essential for the basic functionality of our website, ensuring secure user sessions and navigation.
Preference Cookies: We use these to remember your preferences, such as language settings or content display options.
Analytics Cookies: Tracking data is employed to understand user behavior and improve our services, but we do not track individuals across third-party platforms without consent.

Users have control over non-essential cookies through our built-in Cookie Manager, allowing them to customize their privacy preferences.

Retention and Deletion

We retain personal data only for as long as necessary or required by law. The specific retention periods vary based on the type of data and its purpose:

Financial and transaction records are retained for a period specified by applicable laws (e.g., 7 years in many jurisdictions).
User accounts remain active until deactivated upon request or when the user’s activity indicates an account is no longer needed.
Analytics and performance data may be anonymized and aggregated for continuous improvement but will not identify individual users after a certain period.

Once the retention period expires, or when data is no longer required, we securely delete or anonymize the information unless subject to a legal obligation to preserve it.

Data Security

We have implemented robust security measures to protect personal data from unauthorized access, disclosure, alteration, or destruction:

Employing industry-standard encryption technologies for secure data transmission and storage.
Utilizing third-party processing services that adhere to strict privacy and security standards.
Regularly reviewing and updating our security protocols to adapt to emerging threats.

Children’s Privacy

Phoenix Insurance does not knowingly collect or solicit personal information from children under the age of 18 (or the legal age limit in their jurisdiction). Our services are designed for a general audience, and we encourage parents or guardians to supervise their child’s online activities and use of our website.

Your Rights

Depending on your location, you may have certain rights regarding your personal data, including:

Access: The right to request access to the personal information we hold about you.
Rectification: Correcting any inaccurate or incomplete data we possess.
Erasure (Right to be Forgotten): Requesting the deletion of your data where there is no valid reason for its retention.
Restriction: Limiting the use or processing of your data in specific circumstances.
Data Portability: Obtaining a copy of your data in a structured, commonly used format.
Objection: Objecting to the processing of your personal information based on legitimate interests.
Non-Discrimination: The right to be free from biased or unfair treatment due to exercising your privacy rights.

To exercise these rights or if you have any data-related inquiries, please contact our Data Privacy Team via email at [email protected] or by post at:

Phoenix Insurance,
Data Privacy Department,
[Address], [City, State, ZIP].

Changes to Policy

We reserve the right to update this Privacy Policy at any time to reflect changes in our practices or relevant laws. We will post a prominent notification on our website and inform users of significant changes through email (if provided) or other effective means. Please review this policy periodically for the latest information.

Contact Information

For any questions, comments, requests for data deletion, or to exercise your rights under applicable privacy laws, please contact us:

Email: [email protected]
Postal Mail: Phoenix Insurance, Data Privacy Team, [Address], [City, State, ZIP]