Privacy Policy

This Privacy Policy applies to Wanderlust Ltd., registered at Grange Place, the Grange, St Peter Port, Guernsey, C.I. (hereafter referred to as “the Group” or collectively as “We,” “Our,” or “Us”). It covers the collection of personal data through various digital means, including this website, our mobile application, products and services, and any other applications on computers, mobile phones, devices, tablets, consoles, or other devices.

This Policy applies if you are a resident of the United States. If you are visiting from another country, including the United Kingdom or the European Economic Area, please review the appropriate privacy notice.

This Policy explains how we collect personal data from you and how it will be processed. Please read this Policy carefully to understand our practices regarding your personal data and how we treat it. We are committed to protecting and respecting your privacy.

It is important to read this Policy together with any other privacy notice or fair processing notice we may provide on specific occasions when collecting or processing personal data about you. This Policy supplements any other notices and does not override them.

Contact us
If you have any questions about this Policy, please contact us at:

Wanderlust Ltd.
Grange Place
The Grange, St Peter Port
Guernsey, C.I.

CHANGES TO THIS POLICY

We may update this Policy from time to time. We will notify you of any changes by posting the updated Policy on this page or by sending you an email, as per our usual communication method. It is advised to review this page periodically for any changes. Changes to this Policy are effective when they are posted on this page.

TYPES OF PERSONAL DATA WE COLLECT

“Personal data” refers to any information that identifies (or from which we can identify) a natural person. We may collect, use, store, and transfer different types of personal data about you, which we have grouped as follows:

Identity Data: First name, middle name, last name, age, and date of birth.
Contact Data: Address, email address, and telephone number(s).
Technical Data: IP address, browser type and version, time zone setting and location, geolocation, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our website.
Usage Data: Information about how you use our website, products, and services.
Profile Data: Username and password, insurance policy and claims details.

Marketing and Communications Data: Preferences in receiving marketing from us and third parties, communication preferences, and recordings of telephone conversations.
Transaction Data: Information enabling us to provide products and services, travel plans, age categories of individuals to be insured, trip information, payment card information, insurance claims information, bank information for processing loss payments, and health information for health expense payments.
We also collect, use, and share “Aggregated Data” such as statistical or demographic data. Aggregated Data does not directly or indirectly reveal your identity. However, if Aggregated Data is combined with your information in a way that identifies you, we treat it as personal data.

“Special Categories” of personal data include details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, health information, genetic and biometric data, and information about criminal convictions and offenses. We may collect certain Special Categories of Personal Data about you to provide the services you have requested, such as pre-existing medical conditions. You are not obligated to provide this information, but we may not be able to provide the requested services without it.

You can request that we not use Special Categories information at any time. However, this may result in restrictions or withdrawal of coverage.

We accept applications for minor children with the condition that a parent or legal guardian completes and signs the application. We do not knowingly collect personal data about children without parental consent. If your child has provided personal data without your consent, please contact us. We will take steps to remove the information from our active servers.

Minimum Required Information
If we require personal data by law, under a contract, or as required by our operations or internal policies, and you fail to provide the minimum required data when requested, we may not be able to perform the contract or provide the requested product or service.

WHEN DO WE COLLECT PERSONAL DATA?

We may collect personal data in the following ways:

Information you voluntarily provide to us
When you request a product or service, consult with our customer service team, send us an email, fill in forms on our website, enter competitions, promotions or surveys, or communicate with us in any way, you voluntarily provide us with information that we collect. This may include Identity Data, Contact Data, Transaction Data, Technical Data, Profile Data, and Marketing and Communications Data.

Information we collect automatically
When you browse our website, we may collect information about your visit and web browsing. This may include Technical Data and Usage Data. We collect this information through log files, cookies, or other similar technologies. Cookies are files with small amounts of data that are sent to your browser from a website and stored on your device. We use cookies and similar technologies for various purposes, as explained in our Cookie Policy.

Information from other sources
We may obtain information about you from third-party sources, such as public databases and other data providers. This information may include demographic information, device information, location, and online behavioral data. We use this information, alone or in combination with other information, to provide relevant marketing and content, improve our products and services, and develop more relevant offerings.

WHY WE COLLECT YOUR PERSONAL DATA AND HOW WE USE IT

We use personal data for various purposes, including:

Entering into an agreement with you and providing our services: We use various types of personal data to process insurance applications, payments, manage customer accounts, and provide customer support.
Managing our relationship with you: We send important updates and may request feedback on our products and services.
Marketing: With your permission, we may send you marketing information about our products and services or those of selected third parties.
Advertising: We use personal data to deliver targeted website content and advertisements and to measure advertising effectiveness.
Administering and protecting our business and website: We use personal data for troubleshooting, analysis, testing, system maintenance, support, reporting, hosting, and security purposes.
Other purposes: We may use personal data for lawful reasons beyond those mentioned above.

WHEN WILL WE SHARE YOUR PERSONAL DATA?

We share personal data with third parties for specific reasons, such as:

Service Providers: We share personal data with service providers to provide requested products or services.
Advertising partners and re-marketing services: We may partner with third-party advertising networks and exchanges to display relevant advertising. We share personal data with them for this purpose.
Business transfers: Personal data may be shared in the event of a sale, merger, consolidation, reorganization, or acquisition.
Legal compliance and protection: Personal data may be shared to comply with legal requirements, enforce terms and conditions, protect rights, property, or safety, and prevent fraud or risks.
Third-party websites: Our website may contain links to third-party websites. We are not responsible for their privacy statements.
International transfers: Personal data may be transferred to external third parties based outside of the United States.

WHERE WILL WE STORE YOUR PERSONAL DATA?

All personal data you provide is stored on secure servers. We have implemented appropriate security measures to protect your data and comply with data protection legislation. We have procedures in place to address personal data breaches and notify you and regulators when required.

Please note that while we take precautions to protect personal data, transmission of information over the internet is not completely secure. We encourage you to take necessary precautions when transmitting data online.

INFORMATION FOR CALIFORNIA RESIDENTS

California residents have rights regarding the disclosure of personal information to third parties for direct marketing purposes. We do not share personal information with third parties for their own marketing purposes. California customers may request further information about our compliance by contacting us.

CHILDREN

Our websites, apps, and services are not intended for use by children under the age of 13. We do not knowingly collect personal data from children without parental consent. If you believe we have collected personal data from a child without consent, please contact us to have the information removed.

Please note that this rewritten policy is based on the information provided and may not cover all the nuances of the original policy. It is always advisable to refer to the actual privacy policy document for complete and accurate information.