insurancepackagesbase Ltd ("insurancepackagesbase", "we", "us", or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you visit our website or use our services.
We are committed to protecting your personal information and comply with applicable data protection regulations.
Information We Collect
We may collect the following categories of personal information:
- Identity Data: name, date of birth, gender
- Contact Data: email address, telephone number, postal address
- Financial Data: payment card details (processed securely via our payment provider)
- Policy Data: insurance product details, claims history
- Technical Data: IP address, browser type, device identifiers
- Usage Data: how you use our website and services
- Marketing Data: your preferences for receiving marketing communications
How We Use Your Information
We use your personal data for the following purposes:
- To provide you with insurance quotes and policies
- To process and manage your policy and any claims
- To communicate with you about your account or our services
- To comply with our legal and regulatory obligations
- To detect and prevent fraud
- To improve our website and services through analytics
- To send you marketing communications (where you have consented)
Our legal basis for processing includes: contract performance, legal obligation, legitimate interests, and consent.
Sharing Your Information
We do not sell your personal data. We may share your information with:
- Underwriters and reinsurers to provide your insurance cover
- Fraud prevention agencies and credit reference agencies
- Regulatory bodies as required by law
- IT service providers and cloud storage providers under strict data processing agreements
- Law enforcement where required by law
Cookies & Tracking
We use cookies and similar technologies on our website. Cookies help us provide a better user experience by remembering your preferences and analysing how our site is used.
Types of cookies we use:
- Strictly necessary cookies — Required for the website to function
- Performance cookies — Help us understand how visitors use our site
- Functional cookies — Remember your preferences
- Marketing cookies — Used to deliver relevant advertisements
You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of our website.
Data Security
We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, destruction, or alteration. These include SSL encryption, secure server environments, and access controls.
While we take all reasonable steps to protect your data, no internet transmission is 100% secure. You share information with us at your own risk.
Data Retention
We retain your personal data for as long as necessary to fulfil the purposes it was collected for, including for the purposes of satisfying any legal, regulatory, tax, or accounting requirements. Typically:
- Policy data: 7 years after policy expiry
- Claims data: 7 years after claim closure
- Marketing data: until you withdraw consent
Your Rights
Under applicable data protection law, you have the following rights regarding your personal data:
- Right of access — request a copy of the data we hold about you
- Right to rectification — request correction of inaccurate data
- Right to erasure — request deletion of your data in certain circumstances
- Right to restrict processing — request we limit how we use your data
- Right to data portability — receive your data in a machine-readable format
- Right to object — object to processing based on legitimate interests
- Rights related to automated decision-making
To exercise any of these rights, contact our Data Protection Officer at info@insurancepackagesbase.online.
If you have any questions about this Privacy Policy or how we handle your data, please contact us:
- Email: info@insurancepackagesbase.online
- Post: Data Protection Officer, insurancepackagesbase Ltd, 31577 Canyon Estates Dr, Lake Elsinore, California 92532, United States