Last updated: October 22, 2019
We will ask for your consent before we collect, use and disclose your Personal Information.
By accessing or using our Services, you agree to this Policy and to our Terms of Services.
Your policy booklet or policy declaration page may also contain further information about privacy matters.
“Personal information” is information about an identifiable individual, but not including aggregated information that cannot be associated with a specific individual, or information excluded under applicable privacy legislation or regulations, such as publicly available information or certain business contact information. Personal information includes but is not limited to:
Why and when do we collect your personal information?
We collect your personal information when you apply for get a quote.
We collect it to ensure we provide you with the coverage that is right for you and provide you with the best service possible as well as informing you of other products and services offered by KOWUA and its affiliates. If you need to make a claim, we may need to collect additional information to help process the claim and to provide the best possible assistance and care. The information is used only as needed, by authorized personnel only and is maintained securely for the period required by law.
KOWUA keeps personal information about you to help us meet your current needs. This allows us to recommend the best products and services for you. With your permission, we advise you of products and services that may meet your needs. To best serve you, KOWUA and its affiliates may also reach out to you periodically to conduct surveys.
The information we collect may vary depending on the products you inquire about and services you access.
We will not disclose or share your Personal Information with others unless we are authorized to do so by Law or you have expressly given us consent to do so.
How do we protect your information?
The privacy and security of your personal information is our main priority. We have strict privacy and security measures in place to safeguard your personal information and prevent unauthorized access. KOWUA employees are trained to be diligent about safeguarding personal information. Your personal information is held in a secured area, whether on site or off site, and can only be accessed by authorized personnel. We only share your personal information with third parties as needed and authorized by law. Any transfer of information is done through secured channels.
Your Online Privacy
You should also be aware that when you visit our websites, we collect certain usage data, such as the number of visitors we receive or what pages are visited most often. This data helps us to understand and improve the usefulness of the information of our services.
Cookies and other technologies
Our websites use Google Analytics, a service which transmits website traffic data to Google servers in the United States. Google Analytics does not identify individual users or associate your IP address with any other data held by Google. We use reports provided by Google Analytics to help us understand website usage and to improve our services.
Device Information, Logging, and Local Storage
We may collect device-specific information (such as your hardware model, operating system version, unique device identifiers, and mobile network information).
When you use the website, we may automatically collect and store certain information in server logs. This may include: details of how you used the website, such as your search queries; pages visited; browser type; IP address; device manufacturer, brand, model, serial number, and software version; and time and date and duration of use.
We may collect and store information (including personal information) locally on your device using mechanisms such as browser web storage and application data caches. Any personal information stored on your device will only be saved for the duration of your session on our website and will be erased once your sessions expires or closes. We take appropriate security measures to prevent unauthorized access, disclosure, modification or unauthorized destruction of the stored information.
We may retain third party service providers (such as Amazon Web Services™) Data may be subject to the applicable local laws of that jurisdiction and may be accessible to the law enforcement and national security authorities of that jurisdiction. Hosting services and data provided through or stored on the website may be located in servers and data storage centres outside of Colombia and may be subject to the applicable local laws of the jurisdiction where the storage centres are located. By using the website, you consent to us retaining such third-party service providers to host the website or certain portions (including on the cloud), and to transfer, process and store data in Colombia or any other jurisdiction in which we or our third-party service providers maintain facilities.
You have the right to request access to your Personal Information to verify its accuracy.
For more information about our privacy practices or have questions, please contact our Office at: firstname.lastname@example.org