Privacy Policy

Last Updated: May 15, 2024

BahtGuru Insurance ("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 visit our website www.bahtguru.com or use our insurance services. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

Information We Collect

Personal Data

We may collect personal identification information, including but not limited to:

• Name, email address, phone number, and contact details
• Mailing address and physical location
• Date of birth and identification numbers
• Financial information related to payments and insurance policies
• Health information when processing health insurance applications
• Information about your property, vehicles, or business when relevant to insurance services

Non-Personal Data

We may also collect non-personal identification information about users whenever they interact with our site. Non-personal identification information may include:

• Browser name
• Type of computer or device
• Technical information about users' connection to our website
• Operating system
• Internet service providers
• Other similar information

How We Collect Information

We collect information through the following methods:

• Direct Collection: Information you provide to us when filling out forms, creating an account, purchasing services, or communicating with us.
• Automated Collection: Information collected automatically through cookies, web beacons, and other tracking technologies when you use our website.
• Third-Party Sources: We may receive information about you from third parties, including business partners, insurance carriers, and other service providers.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and store certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. These are sent to your browser from a website and stored on your device.

We use the following types of cookies:

• Essential Cookies: Necessary for the website to function and cannot be switched off in our systems.
• Analytics Cookies: Allow us to count visits and traffic sources so we can measure and improve the performance of our site.
• Functionality Cookies: Enable the website to provide enhanced functionality and personalization.
• Advertising Cookies: Used to deliver relevant advertisements and marketing campaigns.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

How We Use Your Information

We may use the information we collect about you for various purposes, including to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Develop new products and services
• Respond to comments, questions, and customer service requests
• Send administrative information, such as updates, security alerts, and support messages
• Understand user preferences to enhance the user experience
• Develop and display content tailored to your interests
• Monitor and analyze trends, usage, and activities in connection with our services
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Fulfill insurance policy obligations and claims processing
• Comply with legal obligations

Disclosure of Your Information

We may share your personal information in the following situations:

• Insurance Partners: We share information with insurance carriers and partners to process your applications, quotes, and claims.
• Service Providers: We may share your data with third-party vendors, service providers, and other business partners who perform services on our behalf.
• Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
• Legal Obligations: We may disclose your information where required by law, governmental request, or to protect our rights.
• With Your Consent: We may disclose your personal information for any purpose with your consent.

Data Security

We implement appropriate technical and organizational measures to maintain the safety of your personal information. However, please understand that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

International Data Transfers

Your information, including personal data, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside Thailand and choose to provide information to us, please note that we transfer the data to Thailand and process it there.

Your Data Protection Rights

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

• The right to access information we hold about you
• The right to request correction of your personal information
• The right to request deletion of your personal information
• The right to restrict or object to processing of your personal information
• The right to data portability
• The right to withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided at the end of this policy.

Third-Party Links

Our website may contain links to third-party websites and services. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We strongly advise you to read the privacy policy of every site you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our 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 at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes.