Privacy Policy

1. Introduction

Policygaido AI ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-driven health insurance marketplace platform ("Service").

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Service.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Create an account or register for our Service
• Complete our onboarding questionnaire
• Upload insurance documents or policy information
• Use our AI analysis features
• Contact us for support
• Subscribe to our newsletter or updates

This information may include:

• Name, email address, phone number, and contact information
• Date of birth, age, and gender
• Health information and medical conditions
• Family member information (if applicable)
• Insurance policy details and documents
• Financial information related to insurance preferences
• Location data and demographic information

2.2 Automatically Collected Information

We automatically collect certain information when you use our Service:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, features used)
• Cookies and similar tracking technologies
• Log files and analytics data
• AI interaction data and query patterns

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Service Provision

• Provide AI-powered insurance analysis and recommendations
• Process and analyze uploaded insurance documents
• Generate personalized insurance comparisons
• Simulate claims scenarios and coverage assessments
• Connect you with insurance providers and brokers

3.2 Communication

• Send you important updates about our Service
• Respond to your inquiries and provide customer support
• Send marketing communications (with your consent)
• Notify you about new features and improvements

3.3 Service Improvement

• Improve our AI algorithms and recommendation accuracy
• Analyze usage patterns to enhance user experience
• Conduct research and development
• Ensure security and prevent fraud

4. AI and Machine Learning

Our Service uses artificial intelligence and machine learning to analyze your information and provide personalized recommendations. This includes:

• Processing your health and insurance data to generate insights
• Training our AI models to improve recommendation accuracy
• Analyzing patterns in insurance policies and coverage gaps
• Personalizing your experience based on your profile and preferences

Your data is processed securely and in accordance with applicable privacy laws. We implement appropriate safeguards to protect your information during AI processing.

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

5.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our Service, such as:

• Cloud storage and computing services
• AI and machine learning platforms
• Analytics and monitoring services
• Email and communication services
• Payment processors (if applicable)

5.2 Insurance Partners

With your explicit consent, we may share relevant information with insurance providers and brokers to help you obtain quotes and coverage options.

5.3 Legal Requirements

We may disclose your information if required by law or in response to valid legal processes, such as court orders or subpoenas.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security audits and assessments
• Employee training on data protection
• Incident response and breach notification procedures

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Restriction: Request restriction of processing
• Objection: Object to certain types of processing
• Withdraw Consent: Withdraw consent for data processing

To exercise these rights, please contact us using the information provided in the Contact section.

8. Data Retention

We retain your personal information for as long as necessary to provide our Service and fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When you delete your account, we will delete or anonymize your personal information, except where we are required to retain it for legal or regulatory purposes.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Service. These technologies help us:

• Remember your preferences and settings
• Analyze how you use our Service
• Provide personalized content and recommendations
• Improve our Service performance and functionality

You can control cookies through your browser settings, but disabling cookies may affect the functionality of our Service.

10. Children's Privacy

Our Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

13. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: