Privacy Policy
Effective Date: 19-08-2025
Last Updated: 19-08-2025
McClora Group Insurance (“Company,” “we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard the information you provide when you use our website, services, and products. By engaging with McClora Group Insurance, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect personal and non-personal information to provide you with quality insurance products and services:
a) Personal Information
Name, date of birth, gender, and marital status
Contact information (email address, phone number, mailing address)
Government-issued identification (such as Social Security Number, Driver’s License, or Tax ID)
Employment and occupation detail
Health and medical information (when required for insurance underwriting)
Financial and payment information (bank details, credit/debit card numbers, billing address)
Insurance policy numbers, claim details, and coverage history
b) Non-Personal Information
Device information (IP address, browser type, operating system)
Usage data (pages visited, time spent, click activity)
Cookies and tracking technologies to enhance user experience
2. How We Use Your Information
We use the information we collect for the following purposes:
Service Delivery : To provide, manage, and administer insurance products and services.
Underwriting & Claims : To evaluate insurance applications, determine coverage eligibility, and process claims.
Customer Support : To respond to inquiries, requests, and complaints.
Billing & Payments : To manage billing, process payments, and prevent fraudulent transactions.
Legal Compliance : To comply with applicable laws, regulations, and reporting obligations.
Marketing & Communication : To send promotional offers, newsletters, and updates (only with your consent).
Website Improvement : To monitor performance, analyze trends, and personalize user experience.
3. Information Sharing & Disclosure
We respect your privacy and do not sell your personal data. However, we may share your information in the following circumstances:
With Insurance Partners : To underwrite policies, process claims, and provide services.
With Third-Party Service Providers : For IT support, payment processing, customer service, and marketing functions.
For Legal Reasons : To comply with court orders, regulatory authorities, or legal obligations.
In Business Transactions : If we undergo a merger, acquisition, or restructuring, your data may be transferred as part of business assets.
With Your Consent : When you authorize us to share your information with specific third parties.
4. Data Retention
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements. Once data is no longer required, it will be securely deleted or anonymized.
5. Data Security
We implement strict security measures to protect your information, including:
Encryption of sensitive data during transmission and storage.
Firewalls and intrusion detection systems.
Restricted access to authorized personnel only.
Regular system monitoring, security updates, and vulnerability assessments.
Despite our best efforts, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but strive to protect your information to the highest industry standards.
6. Your Rights & Choices
As a valued customer, you have the following rights regarding your personal information:
Access & Correction : Request access to your information and correct inaccuracies.
Data Portability : Request a copy of your personal data in a structured format.
Opt-Out of Marketing : Unsubscribe from marketing communications at any time.
Deletion : Request the deletion of your personal information, subject to legal and contractual restrictions.
Cookies & Tracking : Control cookie preferences through your browser settings.
To exercise these rights, please contact us at [Insert Contact Email/Phone].
7. Cookies & Tracking Technologies
Our website uses cookies, pixels, and tracking technologies to:
Improve site functionality
Remember user preferences
Analyze website traffic and user behavior
Deliver relevant advertising
You may disable cookies through your browser settings; however, some features of our website may not function properly without them.
8. Children’s Privacy
Our services are not directed to children under the age of 13. We do not knowingly collect or solicit personal information from minors. If we discover that we have inadvertently collected such data, we will promptly delete it.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external sites. We encourage you to review their privacy policies before sharing personal information.
10. International Data Transfers
If you access our services from outside [Insert Country], your information may be transferred and processed in a country that may not provide the same level of data protection as your home jurisdiction. We will take reasonable steps to ensure your data is protected in accordance with this Privacy Policy.
11. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in technology, legal requirements, or our practices. Updates will be posted on our website with the revised date. We encourage you to review this page periodically.
12. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:
McClora Group Insurance
Memphis, TN 38118, USA
Copyright © 2025 McClora Group - All Rights Reserved.