Privacy Policy

Effective Date: 2/22/2025

At Insurance Lo, powered by Twilight AI, we value your privacy and are committed to protecting your personal information in compliance with international data protection standards and the laws of Pakistan, including the Personal Data Protection Bill, 2023 (if enacted) and other relevant regulations.

This Privacy Policy explains how we collect, use, share, and protect your data when you access our platform and services. By using Insurance Lo, you agree to the practices outlined in this policy.

1. Information We Collect

When you use Insurance Lo, we collect the following types of data:

A. Personal Information
We collect information that directly identifies you, including:

  • Name
  • Email address
  • Phone number
  • CNIC (if required for verification)
  • Address

B. Payment Information
To process transactions, we collect:

  • Credit/Debit card details (processed securely via third-party payment gateways)
  • Bank account details (for claim payments or direct transfers)
  • Transaction history

C. Usage Data
When you use our platform, we collect data related to:

  • IP address
  • Device type and browser information
  • Interaction logs (pages visited, time spent, and user actions)

D. Communication Data
When you contact our support team, we collect:

  • Messages and inquiries submitted via email or chat
  • Call recordings (if applicable, with consent)

2. How We Use Your Information

We process your information to:

  • Provide Services: Enable you to register, purchase insurance, and manage your policies.
  • Process Payments: Securely handle transactions and prevent fraud.
  • Enhance User Experience: Improve our services based on analytics and feedback.
  • Marketing & Communications: Send updates, offers, and policy reminders (you can opt out anytime).
  • Legal & Compliance: Fulfill legal obligations, resolve disputes, and prevent misuse of our platform.

We DO NOT sell or rent your personal data to third parties.

3. Legal Basis for Processing (Applicable for International Compliance – GDPR & Pakistan Laws)

We process your personal data based on:

  • Your Consent – When you sign up and provide information voluntarily.
  • Contractual Necessity – To provide insurance services as per our terms.
  • Legal Obligations – To comply with applicable laws, fraud prevention, and regulatory requirements.
  • Legitimate Interest – To enhance security, prevent fraud, and improve customer experience.

4. Data Sharing and Disclosure

We may share your information with:

A. Service Providers (Third Parties)
We work with trusted partners to ensure smooth service delivery, including:

  • Payment Processors (for secure transactions)
  • Insurance Underwriters (for policy management)
  • IT and Security Providers (for platform stability)

All third parties must follow strict data protection standards.

B. Regulatory and Legal Compliance
We may share your information with government authorities if:

  • Required by law or court order.
  • Necessary for fraud prevention or criminal investigations.

C. Business Transfers
In case of a merger, acquisition, or asset sale, your data may be transferred under the same privacy commitments.

5. Data Security

We implement industry-standard security measures to protect your personal data from unauthorized access, loss, or misuse. These include:

  • Data Encryption – Secure storage and transmission of sensitive information.
  • Access Control – Restricted access to personal data for authorized personnel only.
  • Regular Security Audits – To detect and fix vulnerabilities.

No system is 100% secure. While we take strong precautions, we encourage users to use strong passwords and report suspicious activity.

6. Cookies and Tracking Technologies

To enhance your experience, we use cookies and similar technologies for:

  • Session management – Keeping you logged in securely.
  • Analytics – Understanding how users interact with our platform.
  • Personalized marketing – Showing relevant offers.

You can control cookie settings through your browser preferences.

7. Your Rights Under Pakistani and International Data Protection Laws

You have the following rights regarding your personal data:

  • Right to Access – Request a copy of the data we hold.
  • Right to Correction – Update inaccurate or incomplete data.
  • Right to Deletion – Ask for your data to be deleted (subject to legal requirements).
  • Right to Object – Opt out of marketing communications.
  • Right to Data Portability – Request your data in a structured format.

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

8. Third-Party Links and External Services

Our platform may contain links to external websites. Insurance Lo is not responsible for their privacy practices. We encourage you to review their policies before sharing your information.

9. Retention of Data

We retain personal data only as long as necessary for:

  • Providing services to you.
  • Meeting legal and regulatory requirements.
  • Resolving disputes and preventing fraud.

Once no longer required, data is securely deleted or anonymized.

10. Changes to This Privacy Policy

We may update this policy periodically.

  • If major changes occur, we will notify you via email or platform notification.
  • Continued use of our services after updates means you accept the revised policy.

Last Updated: [Insert Date]

11. Contact Us

Insurance Lo – Your Partner in Smart, Secure Insurance Solutions.