Privacy Policy

HealthiNomad is a trading name of Cogotec Ltd, an insurance intermediary registered in Hong Kong (company number 3185512), registered office Rooms 1703-1704, 17/F, Tung Chiu Commercial Centre, Hong Kong. Cogotec Ltd (referred to as "we", "us" and "our" in this privacy policy) is the controller responsible for personal information processed through www.healthinomad.com, and is registered with the UK Information Commissioner's Office (ICO) under registration ZB829579. It is important that you read this privacy policy carefully so that you are fully aware of how and why we use your personal information. We do not knowingly collect personal information relating to children under the age of 16 and children under the age of 16 should not use this website. We have appointed a data protection officer (DPO) to oversee our data protection and privacy practices. If you have any questions about this privacy policy or if you wish to exercise your legal rights set out in this privacy policy, and then please contact our DPO using the details below. Contact Details Our contact details are: Email: [email protected] Our DPO's contact details are: Email: [email protected]

We reserve the right to amend or modify this privacy policy from time to time. All amended versions of this privacy policy will be posted on our website.

Depending upon the way in which you use our website and the individual products and services you are looking to buy, we may obtain the following: a. personal information so that we can identify who you are. For example, this information may include your name and date and place of birth; b. personal information so that we can contact you. For example, this information may include your home address, your email address and your contact telephone numbers; c. personal information so that we can help you find a product or service. For example, this information may include details about you and your financial situation, your work or profession or the risk you are looking to insure; d. other more sensitive personal information so that we can help you find a product or service. For example, this information may include details about your health or criminal convictions and offences. This data is known as "special category data" and we will only collect this data if the law allows us to do so; and e. behavioural and/or technical personal information. For example, this information may include details about how you browse our website and the devices and technology you use to browse our website.

We may share your personal information with our approved partners and third party product providers so that they can return a quote to you via email. This processing of your personal information is necessary so that we can provide our services to you in accordance with our website terms and conditions. We may share your personal information with a limited number of approved third party data providers in return for further information about you and/or the risk you are looking to insure. We use this further information for data enrichment purposes and in order to auto-populate relevant fields within our website journeys to save you time and effort. We may process your personal information for the purposes of providing you with our continuous savings services, such as our "auto-quote" service. For example, if you have previously used our Health insurance comparison service then we may process your personal information in order to obtain a Health insurance quote on your behalf. If you opt-in to receive renewal reminders from us, we may process your personal information for the purposes of providing renewal reminders to you. We will only process your personal information for the purposes of providing renewal reminders to you with your consent. If you opt-in to receive general marketing from us, we may process your personal information for the purposes of providing our general marketing to you. We will only process your personal information for the purposes of providing direct marketing to you with your consent. If you opt-in to receive contact from our partners who provide you with the two cheapest quotes, we may provide your contact details to those partners so that they can contact you in order to progress a sale. We will only share your personal information with our partners so that they can contact you in this way with your consent. We may process your personal information in order to send you service communications. This processing of your personal information is necessary so that we can provide our services to you in accordance with our website terms and conditions.

We collect personal information from you when you interact or engage with our website including when you register an account with us or compare products or services via our website. We may also collect personal information from you when you talk to us on the phone, by post or online including via email, social media and mobile device apps. We may also engage with you and hence collect personal information from you if you choose to provide feedback or take part in any of our other market research initiatives, customer surveys or competitions, prize draws or promotions. Occasionally, we may also collect personal information about you from third parties or publicly available sources.

We may share personal information with or receive personal information from: a. other members of our corporate group; b. our approved partners and third party product providers; c. regulatory bodies, authorities and law enforcement agencies where we are required to by law; d. law enforcement and fraud prevention agencies; and e. third parties to whom we may sell, transfer or merge parts of our business or assets or third parties whose business or assets we may acquire.

We impose strict restrictions on the things that our approved partners and third party product providers may do with personal information that we give to them. Our approved partners and third party product providers may process personal information that we give to them in order to: a. assess your eligibility for the products or services which you have expressed an interest in; b. determine your identity and the amount of your premium and hence carry out checks with fraud prevention agencies, credit reference agencies, public and private higher education sources, and against information they already hold about you; c. share personal information with their insurance underwriters, approved third parties and relevant industry databases; and d. conduct internal research in order to develop the products and services which they offer. If you intend to purchase products or services from any of our approved partners or third party product providers, you are strongly encouraged to read the terms of that partner's or third party product provider's own privacy policy.

The communications we send to our customers can be categorised broadly as "direct marketing communications" and "service communications". Direct marketing communications: We understand that some of our customers like to receive only certain types of direct marketing communications. Because we draw a distinction between renewal reminders and our general marketing, you can choose to receive renewal reminders but not our general marketing and vice versa. Service communications: These broadly comprise of communications which we have a legal or regulatory obligation to send to you, communications we send in connection with the provision of our services to you, and communications we send so that we can provide services at your request (such as password reset emails).

We will only ever send personal information to providers outside the EEA if those providers are required to protect personal information in exactly the same way they would be required to protect personal information if they were based within the EEA. This means that we will only send personal information to a non-EEA country if: a. the European Commission has determined that the relevant non-EEA country affords an adequate level of protection for personal information; b. pursuant to agreement between us and the relevant provider which contains data protection clauses adopted or approved by the European Commission; or c. we send data to the US pursuant to the Privacy Shield.

We may keep your personal information for up to six (6) years following the date on which you last use our website or only for as long as is reasonably necessary thereafter in order to: a. respond fully to any questions or complaints; b. evidence that we have treated customers fairly or satisfy some other legal, accounting, tax or reporting requirement; and c. establish, exercise or defend legal claims in accordance with statutory limitation periods.

The security of personal information is extremely important to us and hence we have put in place appropriate security measures to protect personal information from being accidentally lost, used or accessed in an unauthorised way.

You have the following rights regarding your personal information: Right of access: You have a right to know whether we are processing your personal information and to request copies of it. Right to rectification: You have the right to require us to rectify or complete any inaccurate or incomplete personal information. Right to erasure: You have a right to ask us to erase your personal information (the "right to be forgotten"). Right to restriction of processing: You have a right to require us to restrict processing of your personal information in certain circumstances. Right to data portability: You may require us to move, copy or transfer your personal information in a structured, commonly used and machine-readable format. Right to object: You have a right to object to our processing of your personal information where we are processing on legitimate interest grounds. Right to withdraw consent: If we process your personal information with your consent, you have a right to withdraw your consent at any time.

For information on the cookies we use, please refer to our cookie policy.

You can complain to us at any time and we appreciate the chance to deal with your concerns so please do contact us in the first instance.