Privacy Policy

1. Information We Collect

We collect information to provide and improve our Services, ensuring a safer and more personalized experience for every user.

1.1 Information You Provide to Us

When you interact with our platform, we may collect the following information:

• Personal details: full name, phone number, email, date of birth, address, or national ID number.
• Account information: login credentials, communication preferences, or saved policy data.
• Transaction information: payment details, policy purchases, and claims data.
• Uploaded content: documents, photos, or other materials submitted for verification, claim processing, or support.

1.2 Information We Collect Automatically

When you visit or use our Services, we automatically collect:

• Device and usage data: IP address, browser type, operating system, time zone, and browsing activity.
• Cookies and analytics: for session management, personalization, and performance improvement.
• Location data: where necessary for localized services (e.g., nearest insurance agent or service center).

You can control or disable cookies through your browser settings at any time.

2. How We Use Your Information

We use your personal data only for lawful, transparent, and specific purposes, including:

• To provide and operate our Services effectively.
• To create, process, and manage insurance policies or claims.
• To communicate updates, service notices, and promotional information.
• To improve user experience through analytics and personalization.
• To comply with legal obligations and prevent fraudulent activity.

Your information is never sold, traded, or shared for commercial gain without your explicit consent.

3. Legal Basis For Processing

We process your information based on:

• Your consent, which you may withdraw at any time.
• Contractual necessity, to provide products or services you request.
• Legal compliance, as required by regulatory or financial authorities.
• Legitimate interests, such as improving our products and ensuring security.

4. Data Sharing And Disclosure

We may share limited information with:

• Insurance carriers and partners, for policy issuance and claims processing.
• Authorized service providers, such as IT support, analytics, and payment processors.
• Regulatory or legal authorities, when required by law.

All partners and vendors are carefully selected and must comply with equivalent privacy and data protection standards.

5. Data Storage And Retention

Your information is securely stored using encryption, firewalls, and restricted access controls.

We retain your data only as long as necessary for policy purposes or legal requirements. After this period, information is securely deleted or anonymized.

All data processing complies with:

• Vietnam's Decree 13/2023/NĐ-CP on Personal Data Protection
• GDPR standards for international best practices

6. Data Security

We implement industry-leading measures to protect your data, including:

• Encrypted communication (SSL/TLS)
• Secure authentication and password policies
• Regular system audits and vulnerability testing
• Employee confidentiality agreements and training

While no system is 100% secure, we continuously update our protocols to ensure maximum protection.

7. Your Rights

You have specific rights regarding your personal data:

• Access - Request a copy of your personal information.
• Correction - Update or correct inaccurate data.
• Deletion - Request the removal of your data, where applicable.
• Objection - Opt out of certain data uses or marketing communications.
• Withdrawal of consent - Revoke any previously granted permissions.

To exercise your rights, please contact us via info@baoinsurtech.vn.

8. International Data Transfers

If your data is transferred or processed outside Vietnam, we ensure such transfers comply with applicable data protection laws. Adequate safeguards (e.g., standard contractual clauses) are in place.

9. Third-Party Services

Our platform may link to or integrate with third-party services (e.g., Google Analytics, payment gateways, or partner insurers).

We encourage you to review these services' privacy policies separately.

We only work with partners who comply with Google's data usage policies and relevant privacy regulations.

10. Children's Privacy

Our Services are not directed toward children under the age of 16.

We do not knowingly collect personal information from minors.

If you believe a child has provided us with data, please contact us so we can remove it.

11. Policy Updates

This Privacy Policy may be updated periodically to reflect new legal, operational, or technological developments.

When updates occur, the "Effective Date" at the top will change, and the revised version will be posted here.