Travel with Complete Assurance

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Terms and Conditions

Last Updated: December 2024

1. Acceptance of Terms

By accessing and using the services provided by Travel with Assurance ("Company", "we", "us"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Services Provided

Travel with Assurance provides travel insurance brokerage services, connecting customers with appropriate insurance coverage from licensed insurance providers. We do not underwrite insurance policies directly but act as intermediaries in the insurance purchasing process.

3. Eligibility and Coverage

Coverage eligibility and specific terms depend on the insurance provider selected. All coverage is subject to policy terms, conditions, and exclusions as defined by the underwriting insurance company. Pre-existing medical conditions may be covered if policy is purchased within specified timeframes.

4. Payment and Refunds

Payment is due in full at the time of policy purchase. Refunds may be available during the "free look" period as specified in individual policy documents. Cancellation terms vary by insurance provider and policy type.

5. Claims Process

Claims must be reported promptly to the insurance provider. We assist with claims submission but final claim decisions are made by the underwriting insurance company. Required documentation must be provided for claim processing.

6. Limitation of Liability

Travel with Assurance's liability is limited to the insurance brokerage services provided. We are not liable for insurance company decisions, claim denials, or coverage limitations. Our maximum liability shall not exceed the premium paid for services.

7. Contact Information

For questions regarding these terms, please contact us at [email protected] or +1 (415) 789-2456.

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Privacy Policy

Last Updated: December 2024

1. Information We Collect

We collect personal information you provide directly, such as name, contact details, travel information, and medical history relevant to insurance coverage. We also collect usage information through cookies and similar technologies.

2. How We Use Your Information

Your information is used to provide insurance quotes, process applications, facilitate policy purchases, handle claims, and communicate about our services. We may also use aggregated data for service improvement and marketing purposes.

3. Information Sharing

We share your information with insurance providers for underwriting and claims processing. We may also share information with service providers who assist with our operations, legal authorities when required, and business partners with your consent.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Your Rights

You have the right to access, correct, delete, or restrict processing of your personal information. You may also object to processing or request data portability. Contact us to exercise these rights.

6. Cookies and Tracking

We use cookies to improve website functionality and user experience. You can control cookie settings through your browser preferences.

7. International Transfers

Your information may be transferred to and processed in countries other than your residence. We ensure appropriate safeguards are in place for international data transfers.

8. Contact Us

For privacy-related questions, contact us at [email protected] or +1 (415) 789-2456.

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Cookie Policy

Last Updated: December 2024

1. What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help us provide you with a better experience by remembering your preferences and improving site functionality.

2. Types of Cookies We Use

Essential Cookies: Required for basic website functionality and security.

Performance Cookies: Help us understand how visitors interact with our website.

Functional Cookies: Remember your preferences and provide enhanced features.

Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness.

3. Cookie Categories

Technical Cookies: Necessary for website operation and cannot be disabled.

Analytics Cookies: Help us improve our website through usage analysis.

Preference Cookies: Remember your settings and choices.

Marketing Cookies: Enable personalized advertising and content.

4. Managing Cookies

You can control cookies through your browser settings or our cookie preference center. Disabling certain cookies may affect website functionality. Most browsers allow you to:

• View stored cookies
• Delete existing cookies
• Block cookies from specific sites
• Block all cookies
• Delete all cookies when closing browser

5. Third-Party Cookies

Some cookies are placed by third-party services that appear on our pages. These include analytics providers, advertising networks, and social media platforms.

6. Contact Information

For questions about our cookie policy, contact us at [email protected] or +1 (415) 789-2456.

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DMCA Policy

Last Updated: December 2024

1. DMCA Compliance

Travel with Assurance respects intellectual property rights and complies with the Digital Millennium Copyright Act (DMCA). We respond promptly to valid copyright infringement notices.

2. Copyright Infringement Notification

If you believe your copyrighted work has been copied and posted on our website in a way that constitutes copyright infringement, please provide our Copyright Agent with the following information:

• A physical or electronic signature of the copyright owner or authorized representative
• Identification of the copyrighted work claimed to be infringed
• Identification of the allegedly infringing material and its location on our website
• Your contact information (address, telephone number, and email address)
• A statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law
• A statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner

3. Counter-Notification

If you believe your content was removed due to a mistake or misidentification, you may submit a counter-notification containing:

• Your physical or electronic signature
• Identification of the removed material and its location before removal
• A statement under penalty of perjury that you have a good faith belief the material was removed by mistake
• Your contact information and consent to jurisdiction of federal court

4. Designated Copyright Agent

DMCA notices should be sent to:

Copyright Agent
Travel with Assurance
2847 Market Street, Suite 420
San Francisco, CA 94114, USA
Email: [email protected]
Phone: +1 (415) 789-2456

5. Repeat Infringers

We maintain a policy of terminating the accounts of users who are repeat copyright infringers.

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GDPR Compliance

Last Updated: December 2024

1. Data Controller Information

Travel with Assurance acts as data controller for personal information collected through our services. Contact details: 2847 Market Street, Suite 420, San Francisco, CA 94114, USA. Email: [email protected]

2. Lawful Basis for Processing

We process personal data based on:

• Consent: For marketing communications and optional services
• Contract: For providing insurance services and policy management
• Legal Obligation: For compliance with insurance regulations and legal requirements
• Legitimate Interest: For business operations, fraud prevention, and service improvement

3. Your Rights Under GDPR

Right of Access: Request information about personal data we hold about you.

Right of Rectification: Request correction of inaccurate or incomplete data.

Right of Erasure: Request deletion of your personal data under certain circumstances.

Right to Restrict Processing: Request limitation of data processing.

Right to Data Portability: Receive your data in a structured, commonly used format.

Right to Object: Object to processing based on legitimate interests or for direct marketing.

Right to Withdraw Consent: Withdraw previously given consent at any time.

4. Data Retention

We retain personal data for as long as necessary to provide our services and comply with legal obligations. Insurance-related data may be retained for up to 7 years after policy expiration for regulatory compliance.

5. International Data Transfers

When transferring data outside the EEA, we ensure appropriate safeguards through adequacy decisions, standard contractual clauses, or other approved mechanisms.

6. Data Protection Officer

For data protection matters, contact our Data Protection Officer at: [email protected]

7. Supervisory Authority

You have the right to lodge a complaint with your local data protection supervisory authority if you believe we have not handled your personal data appropriately.

8. Exercising Your Rights

To exercise any of your GDPR rights, contact us at [email protected] or +1 (415) 789-2456. We will respond within one month of receiving your request.