We use the Personal Information collected:
A.) In relation to any quotes requested, or your insurance products and services taken out:
- Communicate with you and others as part of our business;
- Send you important information regarding changes to our policies, other terms and conditions, and other administrative information;
- Provide quotes and make decisions about eligibility for insurance and assistance services, and other products and services which we offer, and provide such products and services, including claim support; and, where applicable, assist with claim disputes;
- Process your premium and other payments;
- Identify you to anyone to whom you send messages through any of the InsureStays online Services;
- Without the Personal Information collected we may be unable to administer your coverage, product or service.
B.) To ensure we are able to adhere to legislation and regulatory obligations such as to:
- Prevent, detect and investigate crime, including fraud and money laundering;
- Resolve complaints, and handle requests for data access or correction;
- Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering, sanctions and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence);
C.) Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests. This will enable us to effectively manage our business, such as to:
- Provide improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers);
- Assess your eligibility for payment plans;
- Carry out research and analysis, and manage other commercial risks, including analysis of our customer base and other individuals whose Personal Information we collect as explained in this Privacy Policy;
- Manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; data analytics; business continuity; and records, document and print management;
- Establish and defend legal rights; protect our operations or those of any of our group companies or business partners, our rights, privacy, safety or property, and/or that of our group companies, you or others; and pursue available remedies or limit our damages.
- We may collect Information about your transactions and experiences with us such as your payment history, travel itineraries, claims, coverage, and coverage changes to improve overall service.