Exro Technologies
Responsible Privacy

We collect personal information from you that’s necessary to:

• deliver products and services
• enhance your experience and interactions with us
• manage our business operations
• fulfil our legal and security obligations 

You don’t have to provide personal information to use our Digital Properties unless a particular feature requires it. Here are some situations that will require you to provide personal information:

• accessing your account online or through a mobile app 
• signing up for a newsletter 
• applying for a product online

We maintain appropriate procedures to ensure that personal information in our possession and the information we exchange with our service providers and agents is accurate and kept up to date. As permitted by applicable law, you can request to access and correct your personal information. 

Children’s information

We don’t knowingly collect information from or market products and services directly to children under the age of majority. We only collect information about children from parents or legal guardians when they are covered under their policies or assigned as beneficiaries.

We collect and analyze data related to your use of our Digital Properties to evaluate and improve functionality, user experience and the effectiveness of our advertising and marketing activities. 

We may also share aggregated, anonymous data with third parties. This data cannot directly identify you.  

We may combine some of the data we collect through our Digital Properties with other data we have about you for analytics.

Examples of the data we collect for this purpose may include: 

• your IP address
• your device information such as your operating system, browser version and screen resolution 
• your approximate location  
• how you arrive at our Digital Properties (i.e. traffic sources)
• whether you are a new or repeat visitor
• what pages on our Digital Properties you view 
• how long you stay on our Digital Properties
• what links you clicked on 
• whether you viewed any videos  
• what you search for on our Digital Properties
• information you have voluntarily provided through surveys and forms on our Digital Properties

We use this data to improve your digital experience: 

• evaluate and enhance site performance, user experience and functionality
• gather insights that will help us improve our products and services
• increase the relevancy of marketing campaigns
• make our content easier to find in both internal and external search engines

We maintain technical and organizational safeguards to protect your personal information against loss, theft, unauthorized access, disclosure, copying, use or modification. We limit access to those who have a business need to know. We want to provide our website visitors with more information that may be helpful to them. That’s why some of our websites contain links to other websites that are not affiliated with or maintained by us. We are selective about the websites we link to, but we don’t monitor or manage the privacy practices of these third-party websites. As a result, we can’t assume any responsibility for the data collection policies and procedures of these websites.

Some examples of how we use your personal information:  

Delivering products and services 

• manage your accounts and provide administrative support
• understand your needs and suitability of our products
• provide you with updates on your accounts, products and services
• investigate complaints and respond to inquiries

Enhancing your experience and interactions with us 

• personalize and improve your experience while using our Digital Properties
• better understand your interest in our products and services 
• better understand your preferences, needs and how you use our Digital Properties
• deliver targeted and personalized marketing 

Managing our business operations

• analyze and improve our internal business processes
• develop products and services
• determine effectiveness of our marketing and advertising 
• evaluate and improve the functionality of our Digital Properties

Fulfilling security and legal obligations 

• confirm your identity to make sure no one else is accessing your information, enhance digital security, implement risk management programs and procedures to protect against fraud, errors or misrepresentations
• meet regulatory or contractual requirements

We may need to use your information in other ways, as required by law. If we need to use your information for any other purposes, we will do so only with your consent.

We are responsible for protecting the confidentiality of all personal information in our possession. That includes information transferred to third parties performing services on our behalf such as our agents, service providers or our affiliates, along with our reinsurers. When third parties store or process your information outside the country where it was collected, we follow all local laws. In those cases, the processing of your personal information may be subject to the laws of those other countries. We always require that these third parties protect your personal information consistent with our privacy policies and practices and comply with relevant laws.

We are careful what information we share and why. We aim to limit the personal information we share with third parties to what is needed for the service they provide.

Here are some of the services third parties provide:

• providing cloud hosted digital solutions and advanced technologies
• facilitating marketing campaigns, surveys and market research activities

In some cases, laws require us to share information with regulators or government agencies.

We inform you why we collect, use and share your personal information. In some cases, we may request your express consent for the use of your personal information. You have a choice to withdraw your consent for processing of your personal information. Sometimes, this is not possible because of legal or contractual requirements. Withdrawing your consent may limit our ability to provide you with a full range of services. Here are some of the choices you may have depending on your jurisdiction: 

• You may request not to receive marketing and other commercial messages.
• You may choose to communicate with us and provide your information using multiple channels: digital, telephone or regular mail.
• You have a number of options to manage cookies. If you choose to delete or refuse cookies, or choose not to share certain device information, some functionalities on our Digital Properties may not be available to you.