This guide explains how we protect your privacy and treat your personal information. It applies to current and former customers. “Personal information” here means anything we know about you personally.
This Privacy Policy describes how your personal information is collected, used, and shared when you visit www.inlerisk.com.
This guide is about the use of the Internet as a way of collecting, displaying or referring to personal data that is covered by the Personal Data (Privacy) Ordinance (“the Ordinance”). Generally speaking, the Ordinance regulates the collection, storage and use of data related to living individuals from which it is reasonably practicable to identify the individuals. The Ordinance is founded on six data protection principles (DPPs) that state the requirements on how personal data should be handled. INLE Risk Management Ltd.’s (INLE Risk Management) Internet Privacy Policy as well as its Privacy Policy are founded on these principles. More information on how INLE Risk Management handles user data can be found in its Privacy Policy.
We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our outside service providers must also protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all laws that apply to us.
The types of Personal Information we collect and share depend on the product or service you have with us. Personal data must be collected in a lawful and fair way, for a purpose directly related to a function /activity of the data user. Data subjects must be notified of the purpose and the classes of persons to whom the data may be transferred. Data collected should be necessary but not excessive. This information can include:
Information you provide us directly via the Website:
Information collected automatically using the Website:
In most cases, the information is generated by various tracking technologies. Tracking technologies may include “cookies”, “flash LSOs”, “web beacons” or “web bugs”, and “clear GIFs”.
We do not make available to the general public any personally identifiable information you provide to us in connection with your registration on the Website. We use modern technology and efforts to safeguard the confidentiality of your personal information. These include secure servers and firewalls.
We collect your personal information to help us decide if you’re eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes. All of the user data we collect is protected against unauthorized access. Only authorized employees who need the information to perform a specific job are granted access to this information. How we use this information depends on what products and services you have or want from us. It also depends on what laws apply to those products and services.
We may share your personal information with your consent or as permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer you products and services or have others offer you products and services we endorse or sponsor.
Other reasons we may share your information include:
Personal data must be used for the purpose for which the data is collected or for a directly related purpose, unless voluntary and explicit consent with a new purpose is obtained from the data subject or the law.
We use cookies and log files to: (a) store information so that you will not have to re-enter it during your next visit to the Website; (b) provide custom, personalized content and information; (c) monitor the effectiveness of our services; and (d) monitor metrics such as total number of visitors and pages viewed.
Practicable steps shall be taken to ensure personal data is accurate and not kept longer than is necessary to fulfil the purpose for which it is used.
A data user needs to take practicable steps to safeguard personal data from unauthorized or accidental access, processing, erasure, loss or use.
INLE Risk Management may use user submitted content such as ratings, reviews, feedback (“User Content”) in a number of different ways, including displaying it on the Website, reformatting it, incorporating it into other works, creating derivative works from it, promoting it, or distributing it. Accordingly, you irrevocably grant INLE Risk Management permission to use your User Content for any purpose. You also irrevocably grant the Website users the right to access User Content in connection with their use of the Website.
You assume all risks associated with User Content, including reliance on its accuracy, completeness or usefulness, or any disclosure by you of information in your User Content that makes you personally identifiable. You may not imply that User Content is in any way sponsored or endorsed by INLE Risk Management.
INLE Risk Management cannot and does not review all User Content feedback, nor does it have any control over the same. Under no circumstances shall INLE Risk Management be held responsible or liable for any claims or damages arising out of any reviews or feedback.
INLE Risk Management may remove, edit or reinstate User Content at our sole discretion.
When you send us an email, we use your email address to thank you for your enquiry or comment, and we will store your communication and our reply for any future correspondence. Beyond our initial reply, we will never use your email address to send you any unsolicited messages or information, nor will we share it with or sell it to anyone else for such use.
When you request information or other services from us, we use your email address and any other information you give us to provide you with information or other services that you requested, until you ask us to stop or until the information or service is no longer available.
In some cases, INLE Risk Management Ltd. needs to send you “transactional” emails relating to normal business operations. For example, we may email you to inform you that your policy is up for renewal or expiring.
You may tell us not to share your information with our affiliates for their own marketing purposes or unaffiliated business partners as part of a joint marketing arrangement. Even if you don’t “opt out”, we will not share your information with unaffiliated companies for their own marketing purposes without a joint marketing arrangement. You can also “opt out” anytime by contacting us at: [email protected]
A data subject must be given access to his/her personal data and allowed to make corrections if it is inaccurate.
You may ask us for a copy of the personal information we have about you. Generally, we will provide it as long as it is reasonably retrievable and within our control. You must make your request in writing. For legal reasons, we may not show you anything we learned as part of a claim or lawsuit, unless required by law. If you tell us what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing, and we will include your statement whenever we give your disputed information to anyone else.
As we develop our business, we might buy, sell, restructure, or reorganize businesses or assets. In the event of any merger, sale, restructuring, reorganization, or similar event involving our business or assets, Personal Data may be part of the transferred assets.
Our Website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 13, please do not provide any information on this Website.
We may update this Privacy Policy as necessary to reflect changes we make and to satisfy legal requirements. We will post a prominent notice of material changes on our Website. We will provide you with other appropriate notice of important changes at least 30 days before the effective date.
We want you to understand how we protect your privacy. If you have any questions about this notice, please contact us. When you write, include your name, address, and policy or account number.
Send privacy questions to: [email protected]