Privacy Policy
INTRODUCTION
- Clover Insurance Brokers (hereinafter “Clover Brokers” and/or the “Company”) are committed to protecting the personal information and your right to privacy of the visitors of our website, existing and potential customers and users of Clover Brokers Clients Portal (hereby collectively as “Users” and individually as the “User”) in accordance with laws and regulations of the countries where Clover Brokers provide services and with international laws and regulations including, but not limited to the EU General Information Protection Regulation.
- Should you have any questions or concerns about this Privacy Policy (hereinafter the “Policy”), or our services with regards to your personal information, please contact us at [email protected].
- When you visit our website and fill contact form, registering on the Client portal, or purchasing one of our products, you trust us with your personal information. Clover Brokers takes your privacy very seriously. In this privacy notice, we describe our Privacy Policy. We seek to explain you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it.
- This Privacy Policy applies to all information collected through one of the following channels:
- our website clover-brokers.com
- Client Portal
- Phone conversation with Clover Brokers employee(s) (Collectively as “Channels” and each individually as “Channel”).
- Please read this Privacy Policy carefully as it will help you make informed decisions about sharing your personal information with us.
- For the purpose of this Policy “Personal Information” shall mean any information submitted to Clover Brokers through the Channels by the User in connection with the services provided by Clover Brokers.
- The personal information Clover Brokers collect via the Channels may include details such as the username, e-mail address, postal address, telephone number, passport and ID details, date of birth, gender, nationality and bank or credit card details.
- Some information – such as IP address and/or browser and device characteristics – is collected automatically when Users visit Clover Brokers website.
- Clover Brokers automatically collect certain information when User visits, uses or navigates Clover Brokers website. This information does not reveal User specific identity (like name or contact information) but may include device and usage information, such as User IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when the User uses Clover Brokers website and other technical information. This information is primarily needed to maintain the security and operation of Clover Brokers website, and for internal analytics and reporting purposes.
- Clover Brokers also collect information through cookies and similar technologies. More detailed information about this can be found out in Clover Brokers Cookies Policy.
- This Policy has been designed to demonstrate Clover Brokers commitment to maintain Users trust, confidence and respecting their right of protecting their personal information.
- Clover Brokers use personal information collected via Channels for a variety of business purposes described below. The Company processes User personal information for these purposes in reliance on Clover Brokers legitimate business interests (“Business Interests”), in order to enter into or perform a contract with the User (“Contractual”), with User consent (“Consent”), and/or for compliance with Company’s legal obligations (“Legal Reasons”).
- Clover Brokers use the information collected or received:
- To send Users marketing and promotional communications for Business Purposes. Clover Brokers may use the personal information for marketing purposes if this is in accordance with the User marketing preferences. Users can opt-out of our marketing emails at any time (see the section “Users Privacy Rights” below).
- To send administrative information to Users for Business and Marketing Purposes. Clover Brokers may use personal information to send Users product, service and new feature information and/or information about changes to terms, conditions, and policies of the Company.
- Request feedback for Clover Brokers Business and Marketing Purposes. The Company may use personal information to request feedback and to contact Users about their experience with the Company website.
- To protect Clover Brokers business for Business Purposes and/or Legal Reasons. The Company may use personal information as part of Company’s efforts to keep Clover Brokers business, services and operations safe and secure (for example, for fraud, money laundering, bribery and corruption monitoring and prevention).
- To enforce Clover Brokers terms, conditions and policies for Business Purposes and Legal Reasons.
- For other Business Purposes. Clover Brokers may use personal information for other Business Purposes, such as information analysis, identifying usage trends, determining the effectiveness of promotional campaigns and to evaluate and improve Clover Brokers website, services, marketing and Users experience.
- The Company only disclose personal information with User consent, to comply with laws, to protect User rights, or to fulfill business obligations.
- Clover Brokers only share and disclose personal information in the following situations:
- Compliance with Laws. Clover Brokers may disclose personal information where the Company legally required to do so in order to comply with applicable laws, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).
- Vital Interests and Legal Rights. Clover Brokers may disclose Users personal information where the Company believes it is necessary to investigate, prevent, or take action regarding potential violations of Clover Brokers policies, suspected fraud, money laundering, financing terrorism situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which Clover Brokers are involved.
- Contractors, Consultants and Other Third-Party Service Providers. Clover Brokers may share Users personal information with third party vendors, service providers, contractors, consultants or agents who perform services for the Company or on Clover Brokers’ behalf and require access to such information to do that work. Examples include information analysis, email delivery, hosting services, customer service and marketing efforts. Unless described in this Policy, Clover Brokers do not share, sell, rent or trade Users personal information with third parties for their promotional purposes.
- Business Transfers. Clover Brokers may share or transfer Users personal information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of Clover Brokers business to another company.
- Clover Brokers may share Users personal information with Company’s affiliates, in which case Clover Brokers will require those affiliates to honor this Privacy Policy. Affiliates include Clover Brokers parent company and any subsidiaries, joint venture partners or other companies that Clover Brokers control or that are under common control with Clover Brokers.
- Business Partners. Clover Brokers may share Users personal information with business partners to offer Users certain products, services or promotions.
- With User Consent. Clover Brokers may disclose User personal information for any other purpose with his/her consent.
- As an international company with Users worldwide, Clover Brokers may transfer and access personal information around the world, including to and from the European Economic Area. To comply with applicable laws and regulations, Clover Brokers maintain strong data protection and privacy controls to protect Users personal information during cross-border and international transfers, as well as during periods of storage in foreign countries.
- Clover Brokers believe that the User essential privacy rights are not contingent on his/her nationality or residency. While applicable laws always govern data privacy matters, Clover Brokers intend for this Privacy Policy to apply generally to Users and their personal information around the world. Nevertheless, privacy laws and regulations are a constantly changing landscape, so Clover Brokers reserve the right to deviate from this Privacy Policy where applicable law provides for a different approach.
- Clover Brokers will only keep person information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).
- When Clover Brokers have no ongoing legitimate business need to process personal information of the User, the Company will either delete or anonymize it, or, if this is not possible (for example, because personal information has been stored in backup archives), then Clover Brokers will securely store personal data and isolate it from any further processing until deletion is possible.
- Clover Brokers aim to protect Users personal information through a system of organizational and technical security measures.
- Clover Brokers have implemented appropriate technical and organizational security measures designed to protect the security of any personal information the Company processes. However, Users also should remember that Clover Brokers cannot guarantee that the Internet itself is 100% secure. Although the Company will do the best to protect personal information, transmission of personal information to and from Clover Brokers website is at User own risk. Users should only access the services within a secure environment.
- In some regions (like the European Economic Area), Users have certain rights under applicable data protection laws. These may include the right:
- to request access and obtain a copy of the User personal information
- to request rectification or erasure
- to restrict the processing of the User personal information; and
- if applicable, to data portability.
- In certain circumstances, the User may also have the right to object to the processing of his/her personal information. To make such a request, the User contact Clover Brokers at [email protected]. The Company will consider and act upon any request in accordance with applicable data protection laws.
- If we are relying on your consent to process your personal data, you have the right to withdraw your consent at any time. Please note, however, that this will not affect the lawfulness of the processing before its withdrawal.
- If you are resident in the European Economic Area and you believe we are unlawfully processing your personal data, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.
- Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our website.
- Clover Brokers will update this Policy as necessary to stay compliant with relevant laws.
- The Company may update this Privacy Policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this Privacy Policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.
- If you have questions or comments about this Policy, email us at [email protected].
- If you are a resident in the European Economic Area, the “Data Controller” of your personal information is Clover Brokers.