Privacy Policy

Who we are:

Insured Nomads Corporation (USA) – (“we”, “us” “our” and “Insured Nomads”), and affiliated entities including l’association Insured Nomads (France), is a global provider of insurance and assistance products on a cross-border basis, and Insured Nomads is a data processor, processing controller of the personal information we process. This statement (the “Privacy Policy”) applies to Insured Nomads websites, services, products and applications that collect data and display these terms, owned and operated by Insured Nomads Corporation its subsidiaries, and affiliates, including, but not limited to, Insured Nomads Europe Limited, Insured Nomads Asssociation, DrOnCall.com, Instapass (collectively “Insured Nomads”, “we”, “us”, or “our”).

Our address is:
‍Insured Nomads Corporation 120 19th Street N, Ste 401 Birmingham, Alabama, USA 35203
Insured Nomads Association 60 Rue François 1er 75008, Paris, France
Insured Nomads (UK) 63/66 Hatton Garden, 5th Floor, Ste 23, EC1 N 8LE London, England, UK

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1. What personal data will be collected?
‍We will collect and process various types of personal data about you as follows
  ⦾ Full Name
  ⦾ Age & Date of Birth
  ⦾ Gender
  ⦾ Address
  ⦾ Contact Details (email address, telephone numbers)
  ⦾ Identification Document Number (i.e. Passport Number)
  ⦾ Identification Document
  ⦾ IP addresses when visiting our webpage without disabling Cookies
  ⦾ Nationality
  ⦾ Marital Status
  ⦾ Occupation
  ⦾ Current Employment Information
  ⦾ Location data
  ⦾ Previous Employment Information
  ⦾ Language
  ⦾ Signature
  ⦾ Results of Criminal Checks relating to prevention of Fraud and/or Terrorist Activities
  ⦾ Dependants / Spouse / Partner / Family Details
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We will also collect and process “sensitive personal data” about you such as, for example data resulting from medical reports or from death certificates, your medical claims history, details of physical and psychological health or medical conditions, credit/debit card and bank account details.
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2. Who do we collect information from?‍
We will collect and use your personal data that you provide to us and that we receive about you from third parties, such as:

  ⦾ The main policy holder of your plan
  ⦾ Your employer
  ⦾ Your broker/intermediary/agent/advisor (if you have one)
  ⦾ Your spouse/partner
  ⦾ Your legal guardian/parent
  ⦾ The medical facility or those involved in your treatment
  ⦾ A third party who provide services to us, including but not limited to:
        ⦾  Emergency service providers
        ⦾  Payment service provider
        ⦾  Other insurance companies in relation to subrogation and fraud prevention services

3. How we may use your personal information

We will only collect necessary information in order to provide you with the services we offer and where we have a legal and contractual basis for which to process your information, such as:
        ⦾  Granting a quote or proposal for insurance or services
        ⦾  Underwriting and administering your plan or services
        ⦾  Communicating with you about your quote, application, and plan.
        ⦾  Processing of claims
        ⦾  Fraud, Money Laundering and Terrorist Financing prevention and detection

In the event of a claim, in a confidential manner, we may have to give some information to those involved in your treatment or care, or to a representative you have chosen if you have done so. Unless specifically instructed, correspondence about all claims made by yourself or your dependents will be addressed to the primary member/policyholder. An insured dependent member over the age of 16 has the right to confidentiality in relation to their claims and information. For them to exercise this right, they should contact member services. If you have another insurance plan that covers the same costs that you are claiming from us, then we may also disclose your relevant personal information to that other insurer so we can ensure that we only pay our proportion of the costs.

Finally, we may share your personal data in the following instances:
        ⦾  In the event of any contemplated or actual reorganization, merger, sale, joint venture, assignment, transfer or other 

            disposition of all or any portion of our business, assets or stock (including any insolvency or similar proceedings); 

        ⦾  To meet any legal obligation, including to the relevant ombudsman if you make a complaint about the product or 

            service we have provided to you.

General Data Protection Regulation (“GDPR”)
‍Unless stated otherwise, where and when GDPR applies to the following information, Insured Nomads is the data controller. If you are a citizen or resident of the European Union and you are visiting a website affiliated with an Insured Nomads entity, or you are an insured person through Insured Nomads, or an Insured Nomads entity administers a health plan that covers you, Insured Nomads may send your personal data to the United States for use and processing as necessary to serve you or to provide you with the best products, services and experiences possible.  If this occurs, your personal information will be transferred subject to the appropriate safeguards under UK and EU law.
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M‍arketing
You may request that we not to process your information for marketing purposes. We will always inform you (before collecting your information) if we intend to use your information for such purposes and seek your consent to do so. You can withdraw your consent for us to use your information in this way at any time. We commit to your privacy and do not sell or share your information with third party entities for marketing and promotional purposes.

Use of Cookies
Understanding cookies is important (use this site to broaden your knowledge on it), we use cookies to:

        ⦾  Provide a secure and private experience when using our secure sites
        ⦾  Store temporary input information in our quote tools
        ⦾  Provide you with ads that are more relevant to you and your interests, and improve our targeting and enhance your 

            journey through our sites and partner sites Improve our understanding of how you navigate through our sites so we can 

            identify improvements, and
        ⦾  Evaluate our sites’ advertising and promotional effectiveness (we own the anonymous data collected and don’t share it 

            with anyone)
We use both our own and third-party cookies to support these activities:
        ⦾  Cookies generated on our website are passed through to third party services used to support our website functionality.     

Setting your Cookie Preferences
You can control how cookies are placed on your device within your own browser. Most web browsers automatically accept cookies but provide controls that allow you to block or delete them. For example, in Google Chrome, you can block or delete cookies by clicking Settings > Privacy & Security > Third Party Cookies. Instructions for blocking or deleting cookies in other browsers may be available in each browser’s privacy or help documentation.

Text Messaging Compliance
We adhere to the  CTIA (Consumer Technology Industry Association) privacy guidelines that emphasize transparency and user control regarding third-party sharing of information. They require clear disclosure of how data is collected, used, and shared, and emphasize that personal data should only be shared with third parties with explicit consent, unless legally required.

‍INFORMATION – COMPLAINT – MEDIATION  (as pertaining to Health Insurance, Connect & Juvo plans)

When Members or any Dependant wish to obtain details, they should contact:

ExpaTPA, 142 rue de Rivoli, 75001 Paris, France – email contact@expaTPA.fr for any request or complaint related to:
  • Insurance    
  • Enrollment conditions
  • Premium payments
  • Claims 

The complaint will be acknowledged within 10 days of its receipt, unless the matter is answered within this period. In any case and in accordance with the applicable law, a response will be sent before the expiry of a period of 2 months from the date of receipt of the complaint. If the complaint has not been settled after the response, theMember or the Dependents may contact customer service  – along with copies of the written responses made to them – at the following address: 

  AWP Health & Life SA Customer Relationships, Eurosquare, 27 rue Dora Maar93400 Saint Ouen, France, Email         

  client.care@allianzworldwidecare.com

  AWP Health & Life SA is a signatory to the French Insurance Mediation charter. In the event of a persistent and definitive disagreement, the plan holder has the option, after the exhaustion of all domestic remedies referred to above, to call for the French Insurance Mediator without prejudice to possibilities of legal action.

‍  La Médiation del’Assurance – TSA 50110 – 75441 Paris Cedex 09, France. The Ombudsman’s opinion is not binding, and the parties can still proceed in the competent courts. The Ombudsman is not empowered to adjudication the conditions for admission to insurance. 

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INSURER The Insurer is AWP Health & Life SA is regulated by the French Prudential Supervisory Authority located at 4 place de Budapest, CS 92459, 75 436 Paris Cedex 09.

Third Party Web Sites, Links and Information

The Site may provide hyperlinks to third party websites or access to third party content. We do not control, endorse, or guarantee content found in such sites.

You agree that we are not responsible for any content, associated links, resources, or services associated with a third party site. You further agree that we shall not be liable for any loss or damage of any sort associated with your use of third party content. Links and access to these sites are provided for your convenience only.

To the full extent permissible by law, we disclaim all responsibility for any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations.

Data Retention Policy

Personal data will be stored by us for up to:
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‍Where you hold an insurance policy directly with us:
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‍7 years after the date of the expiry of your policy (or last live policy in the event of a renewal), or the date of the last communication with you relating to your policy, whichever the latter.
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‍Where you hold an insurance policy indirectly with us:
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‍3 years after the date of the expiry of your policy (or last live policy in the event of a renewal), or the date of the last communication with you relating to your policy, whichever the latter.
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Where you have received a quote from us:
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2 years after the date for which the quote supplied was valid or 2 years after the date of the last communication with you relating to your quote. Whichever the latter.

We will delete your data earlier should you request us to do so, but even in such an event, we may be required by law to retain your data for a minimum period. Should this be the case we will inform you of the period and provide you with details as to the laws or regulations requiring the retention of such data.

To enquire about your data (subject access request), obtain a copy of your data, amend any data that you think is incorrect or delete your data, please contact us.

If you are not an insured member, please note that personal data collected while using ‘LiveChat’ via its website will be stored for a period of 6 months and sales quotes for 15 months.

Information we collect through Cookies and similar technologies
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We collect information through “Cookies” and other similar technologies (e.g. pixel tags or links), to remember you when you visit the websites and apps so we can improve your online experience to suit your needs. These help us understand how you and others use our websites and apps, view our products and respond to our advertising, so we can tailor direct marketing and enhance our overall product and service offering. This also saves you from re-inputting information when you return to the websites or apps. When you receive direct marketing from us via email, we may use technology e.g. pixel tags or links to determine your use of and interest in our direct marketing. When you visit one of our websites or apps we may record your device information including hardware and software used, general location, when and how you interact with our websites and apps and your registration and log-in activity when you use our online platforms. This information is retained and used to note your interest in our websites and apps, improve customer use experience, determine pricing and/or offer you available discounts. We collect and use technical data and related information, including but not limited to technical information about device, system and application software, and peripherals, which is gathered periodically to facilitate the provision of software updates, app support and other services related to the app.
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Storage of Personal Information‍
The personal information we collect from you may be transferred to and will be stored in the United States, which may have different levels of privacy than those that apply in your country of residence. By submitting your personal information to us via our website(s), social media and chat platforms, you agree to any such transfers and storage. Insured Nomads will take all reasonable steps to assure the privacy and security of your personal information in accordance with this Privacy Policy Notice. It is important to note that some personal information you provide to third party service providers, such as doctors and hospitals, may be held by them in countries other than your own. Your personal information will be subject to the privacy laws of each such jurisdiction, and these may not provide for the same level of privacy and security as your country of residence. Insured Nomads is not responsible for the practices of those third party service providers.
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Managing your marketing preferences
‍‍We may on occasion provide you with details on products and service that we think may be of interest to you or which may complement existing products that we provide you. You can opt out of these communications at any time. We may: provide you with updates and offers for our products and services via marketing tailored to you through online digital services (e.g. online advertising, social media communications), or by direct marketing (e.g. phone, e-mail, text, post); and use information we hold about you to help us identify, tailor and package our products and services, determine pricing and offer discounts that may be of interest to you. We will always give you the opportunity to ‘opt out’ of direct marketing when you complete a registration with us, request an online quote, purchase a product or service online or receive any email, text or other direct marketing communication. You can change your marketing preferences at any other time by contacting us on the details given below in the ‘Update your information or change your marketing preferences’ section.
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Update your information or change your marketing preferences
‍Please let us know if your information changes as it is important that the information we hold about you is accurate and up to date. You can ask us to update or correct your personal information contacting us using any of the following methods: By email and by mail: Data Protection Team, Insured Nomads, Attn: Privacy Officer, 120 19th St. N, Suite 120, Birmingham, Alabama, USA 35203

If you have questions or need to contact us regarding our privacy policy you may do so via mail to: Insured Nomads, Attn: Privacy Officer, 120 19th St. N, Suite 120, Birmingham, Alabama, USA 35203 or email.‍
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Disclosure of Information

Insured Nomads may disclose member information to service providers (appointed by us), regulatory bodies and/or our partners inside and outside the European Economic Area. The disclosure of member information will only happen when required for the provision of services to you, or where we are required by law to do so.

We may disclose personal information such as users’ IP addresses to third party providers for marketing and web analytics purposes to help us analyze how visitors and members use our website. 

In all situations other than those noted above, we will ask for your explicit authorization before using or disclosing information about you. If you have previously provided authorization, you may revoke it at any time for the future use of your information.‍
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