Privacy Policy

1. Introduction

At VR-Care Insurance, we value your privacy. This Privacy Policy outlines how we collect, use, protect, and share your personal information. We provide this notice when you engage with our services and upon request, as required by law.

2. Our Privacy Principles

No Selling of Personal Information: We do not sell your personal information. Restricted Use by Partners: We prohibit our business partners from using your personal information for their own marketing purposes. Contractual Safeguards: We require any third parties providing services on our behalf to protect your personal information. Medical Information Sharing: We do not share your medical information unless: You expressly authorize it. It is permitted or required by law. Your insurance policy contract allows it. Consent-Based Sharing: We share your information only with your consent, to complete transactions you request, or as permitted by law. Consistent Handling: We handle information about former and prospective customers the same as current customers.

3. Information We Collect

We collect personal information to provide you with our insurance services. This includes:

From You: Information you provide on applications and through conversations with our representatives. From Your Use of Our Services: Data from our website, mobile applications, and social media interactions. From Transactions: Details about your payments, underwriting, and claims. From Affiliates: Information within the VR-Care family of companies. From Third Parties: Data from consumer reporting agencies, such as driving records, claim histories, and credit information.

4. How We Use Your Information

We use your personal information to:

Underwrite and rate your policies. Process your claims. Protect against fraud and unauthorized transactions. Provide billing and account services. Confirm your identity and service your policies. Enhance your customer experience. Offer you other insurance and financial services. Develop new products and services. Create anonymized or de-identified data for analysis. Test business processes and procedures. Comply with legal and regulatory requirements.

5. How We Share Your Information

We may share your information:

Within VR-Care: To meet your product and service needs. With Service Providers: To perform functions on our behalf, under confidentiality agreements. For Legal Reasons: To comply with laws, regulations, or legal processes. With Your Consent: As necessary to complete transactions you request. In Business Transfers: In the event of a merger, sale, or transfer of assets.

6. Protecting Your Information

We implement physical, electronic, and procedural safeguards to protect your personal information. We regularly review our policies, monitor our networks, and test our security measures.

7. Retention of Information

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

8. Your Rights

You have the right to:

Access Your Information: Request details about the personal information we hold about you. Correct Your Information: Request corrections to inaccurate or incomplete information. Delete Your Information: Request deletion of your personal information, subject to legal limitations.

To exercise these rights, please contact us at
[email protected].

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by posting the new policy on our website and updating the effective date.

Contact Us:

If you have any questions about this Privacy Policy, please contact us at:
[email protected]