In the course of marketing, obtaining coverage (for instance if you request a quote, or purchase a product or service) and providing service and claims support, your personal information may be shared with and processed by InsureStays may make your information available to:
- Insurance and Distribution Parties
- Our associated companies, introducers, intermediaries, insurers, reinsurers, insurance and reinsurance brokers, and their agents or appointed representatives, other distributors, affinity marketing partners, financial institutions and securities firms as well as the policyholder (for a corporate policy) and your broker or agent for the purposes of administration (i.e. progressing a claim made by you), including third parties providing services to them, (as detailed above).
- Our service providers
- External third-party suppliers or service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical assistance providers; call center service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that service our accounts; third-party claim administrators; document and records management providers; claim investigators and adjusters; examiners; jury consultants; translators; and similar third-party vendors and outsourced service providers that assist us in carrying out business activities, for example, to help administer your coverage, to help us manage and store data, provide data analytics, conduct market research and to communicate with you effectively. This may include any online or digital partners we work with, so we, or our online or digital partners on our behalf, can communicate with you through their platforms.
- Regulatory bodies
- Regulatory bodies [in the US overseas] as well as with other insurance companies (directly and via shared databases) to prevent and detect fraud.
- Governmental authorities and third parties involved in court action
InsureStays may also share Personal Information with governmental or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies) in response to lawful requests by such public authorities; and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate:
(a) to comply with national security or other law enforcement requirements; (b) to comply with legal process;
(c) to respond to requests from public and government authorities including public and government authorities outside your country of residence;
(d) to comply with applicable law, including laws outside your country of residence; (e) to enforce our terms and conditions;
(f) to protect our operations or those of any of our family of companies;
(g) to protect our rights, privacy, safety or property, and/or that of our family of companies, you or others; and
(h) to allow us to pursue available remedies or limit our damages.
We may share Personal Information with payees; emergency service providers (fire, police and medical emergency services); retailers; medical networks, organizations and providers; travel carriers; credit bureaus; credit reporting agencies; and other people involved in an incident that is the subject of a claim; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock.
InsureStays may disclose your Personal Information as described above, but only in good faith and for the limited and specified purposes described in this notice.
InsureStays will only share your information for marketing purposes outside InsureStays where you have consented to marketing.
In the event we share your Personal Information, we will take appropriate measures to protect your privacy and the Personal Information we transfer.
We require all third parties to respect the security of your Personal Information and treat it in accordance with the law. We do not allow our third party service providers to use your Personal Information for their own purposes and we only permit them to process your Personal Information for specified purposes and in accordance with our instructions.
In addition, if we learn that third party is using or disclosing your Personal Information in a manner that is contrary to this Policy, we will take reasonable steps to prevent or stop such use or disclosure. InsureStays may be liable for onward transfers of Personal Information to third parties in violation of this Policy and the US Privacy Shield.