Welcome to Koviyo, where we believe in making insurance simple, accessible, and reliable for everyone. We understand that navigating the world of insurance can be daunting, especially for young professionals and families.
That’s why our mission is to provide straightforward, comprehensive coverage that you can depend on, without any of the confusing jargon or hidden fees.
At Koviyo, we offer a range of customisable products designed to fit your unique lifestyle and needs. Whether you're looking for travel, car or home, we've got you covered with affordable options that won't break the bank.
Our user-friendly online platform allows you to get a quote, purchase policies, and manage your coverage all in one convenient place.
We’re not just an insurance company; we’re your partner in building a secure future. Join the Koviyo family today and discover how easy and reassuring insurance can be.
With us, you’re not just covered—you’re cared for.
PRIVACY POLICY
Effective Date: August 2, 2024
1. Introduction
Welcome to Koviyo Pty Ltd. ("we," "our," "us"). We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you visit our website [koviyo.com] (the "Site") and interact with our services.
2. Information We Collect
We may collect and process the following types of personal information:
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Personal Identification Information: Name, contact details (email address, phone number), and other relevant personal details.
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Financial Information: Bank account details, credit card information, and other financial data necessary for processing insurance applications and transactions.
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Insurance Information: Policy details, claims history, and other related information.
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Technical Information: IP address, browser type, operating system, and other technical details collected via cookies and similar tracking technologies.
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Usage Information: Details about how you use our Site, including pages visited, time spent, and other usage statistics.
3. How We Use Your Information
We use your personal information for the following purposes:
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To Provide Services: To process insurance applications, manage policies, handle claims, and offer customer support.
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To Improve Our Services: To analyse usage patterns and improve our Site and services.
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To Communicate With You: To send updates, notifications, and marketing communications related to our services, with your consent where required.
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To Comply With Legal Obligations: To meet regulatory and legal requirements, including fraud prevention and investigation.
4. Disclosure of Your Information
We may disclose your personal information to:
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Service Providers: Third parties who perform services on our behalf, such as payment processors, underwriters, IT service providers, and marketing agencies.
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Regulatory Authorities: Government agencies, regulators, or other entities if required by law or to protect our rights.
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Business Transfers: In connection with a merger, acquisition, or sale of our business or assets, your information may be transferred as part of the transaction.
5. Data Security
We take reasonable steps to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Our security measures include encryption, access controls, and secure servers. However, no method of transmission over the internet or electronic storage is 100% secure, so we cannot guarantee absolute security.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to collect information about your interactions with our Site. Cookies help us enhance your experience by remembering your preferences and analysing site traffic. You can manage your cookie preferences through your browser settings, but disabling cookies may affect the functionality of our Site.
7. Access and Correction
You have the right to access and correct your personal information held by us. If you wish to update or correct any information, please contact us using the details provided below. We will respond to your request within a reasonable timeframe.
8. International Data Transfers
Your personal information may be transferred to and processed in countries outside Australia where we have service providers or business partners. We will take steps to ensure that your information is protected in accordance with Australian privacy laws when transferred internationally.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the updated policy on our Site and updating the effective date.
10. Contact Us
If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:
Koviyo Pty Ltd.
+61 2 8580 5468