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Privacy Policy

Effective Date: October 2023

At ADG Seguros / Gonzalo de la Guardia, we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you seek insurance advice, request quotes, or utilize our services as an insurance broker in Panama.

1. Information We Collect

To provide accurate insurance quotes and manage your policies effectively, we may collect the following types of personal information:

• Personal Identification: Name, date of birth, nationality, and residency status.
• Contact Information: Phone number, email address, and physical address.
• Health Information: Medical history, pre-existing conditions, and other health-related data necessary for underwriting health and life insurance policies.
• Financial Information: Payment details or banking information required for policy issuance (handled securely).

2. How We Use Your Information

We use the information we collect for the following specific purposes:

• Quoting and Underwriting: To negotiate with insurance companies on your behalf and secure the best possible coverage options.
• Policy Management: To assist with renewals, updates, and administrative tasks related to your insurance plan.
• Claims Assistance: To support you during hospitalizations or claims processes, coordinating directly with hospitals and insurers.
• Communication: To respond to your inquiries via WhatsApp, email, or phone.

3. Disclosure of Information

We value your trust and do not sell, rent, or trade your personal information to third parties for marketing purposes. However, we may share your information with:

• Insurance Companies: Strictly for the purpose of obtaining quotes, issuing policies, or processing claims.
• Medical Providers: When necessary to coordinate coverage or guarantee payment during a medical emergency.
• Legal Requirements: If required by Panamanian law or regulation (Superintendencia de Seguros y Reaseguros de Panamá).

4. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure.

5. Your Rights

As a client, you have the right to:

• Request access to the personal data we hold about you.
• Request corrections to any inaccurate or incomplete information.
• Request the deletion of your data, subject to legal retention requirements for insurance records.