Privacy Policy
Who we are
Cronos Insurance Ltd, (“we”, “our”, “us”), is a registered insurance company in the Commonwealth of the Bahamas and the underwriter of Travel Angel life insurance product. We are authorised and regulated by the Insurance Commission of the Bahamas under license number no: 45013.
Our commitment
We are dedicated to protecting and respecting your privacy. For inquiries about your personal information please email us at info@travelangel.life.
What information we collect about you
The information you provide to us through www.travelangel.life when applying for an insurance policy. Essentially, this information is your name, address, contact details and your biometric data that we will use in strict accordance with the laws of the Bahamas.
Information that your browser sends us when you visit our site. This may consist of your IP address, browser type and version, pages that you visit on our site, the time you spent on those pages and other statistics.
Information from any social media network or online account that you share with us.
How we use your information
To ensure our service efficiently, we will use it to:
- Make appropriate business decisions for offering you a tailored insurance product.
- Track, analyse and improve the services we provide you and other customers.
To meet our legal obligations, we use it to:
- Prevent illegal activities such as fraud and money laundering
With your consent, we use it to:
- Market third party and/or partnership joined products and services that we may think could be of interest to you by digital methods like: SMS or Email. You can always unsubscribe from receiving these communications by clicking ‘unsubscribe’ at the bottom of the communication.
With whom we share your data
We may share your personal information with:
- Know Your Customer (KYC) for Due Diligence security providers.
- Fraud prevention agencies that will use and verify your identity to prevent fraud and money-laundering. If Fraud is detected during the initial application or claim process, you will be refused all services and your policy will be terminated.
- Third parties that carry out advertising services for us (but we won’t share identifiable personal data with these third parties for their own marketing purposes unless you give us permission.
- Customer Service third parties (companies like the one managing our website chat service)
- Anyone who you give us explicit permission to share it with
- We might also share it as per law requirements to enforce our Terms and Conditions or to defend our rights and/or our customers.
| Company information | Purpose | Data shared | Reason for sharing | Legal basis |
|---|---|---|---|---|
| ComplyAdvantage London – U.K. | Policy application | Name Date of birth | Sanctions lists KYC | Execution of contract |
| Yoti London – U.K. | Policy application | Name Date of birth Identification document Address | Identity and address verification | Execution of contract |
| Paypal USA + Europe | Policy application | Card Number Card Expiry Card CVC Billing Address Post Code Name Policy Number Charge Amount IP Address | Payment for the policy | Execution of contract |
| Hannover RE Hanover – Germany | Claim process | Identification document Address Policy Number | Provision for the re-insurance of claim | Execution of contract |
| Insurance Commission of the Bahamas | Due diligence | Name Date of birth Identification document Address | Sanctions lists checking | Due diligence announcement |
How long will we keep your information?
We will hold your information for as long as necessary to administer the policy, manage our business or in order to comply with legal or regulatory requirements.
Your Rights
You have the right to:
- Access your personal data or get a copy of it.
- Make us amend incorrect data.
- Ask us to delete or suppress your data, though for legal reasons it might not always be possible.
- Object to us using your data for direct marketing and in certain circumstances ‘legitimate interests’, research and statistical reasons.
- Revoke any consent you’ve previously given us.
- To do so, please contact us by sending an email to info@travelangel.life.
Data sharing for marketing
- We won’t share identifiable personal data with third parties for their direct marketing unless you give us permission.
- We will keep your personal information as long as needed for the administration of the policy contract. Then the date will be safely deleted.
We store your data
The data we collect from you is stored encrypted inside the Bahamas and/or the European Economic Area (“EEA”).
When we store your data, we use industry standard means and encrypt your information when we send it over the internet. We try to seek partners that also encrypt your information.
Cookie Policy
Like most websites, we use cookies which are small text files used to store information on web browsers. Other technologies, including data we store on your web browser or device and other software, are used for similar purposes. Cookies help to improve our website and give you a better experience. We use cookies to help us provide you with information, services or products that we think may be of interest to you. To block cookies, you can do it in your browser settings.
Inquiry or complaint
For any inquiry about this Privacy Policy or for a complaint, please email us at info@travelangel.life.
Changes to this policy
Potential future changes to our privacy policy will be posted on this page and, if necessary, sent to you by email.