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Privacy Policy

What are the terms & conditions?

Privacy Policy 

At, one of our main priorities is the privacy of our clients and visitors. This Privacy Policy document contains types of information that is collected and stored by and how it is being used.

Throughout this policy, "" refers to either, or its parent company PAJ Resources, Inc.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.



By using our website, you hereby consent to our Privacy Policy and agree to our terms and conditions.


Information We Collect

The personal information are normally required for the purposes of insurance underwriting.

The personal data communicated by the user to , whether by email, phone, SMS, chat or by using our online forms, we receive information about you such as but not limited to your name, email address, phone number, the contents of the message and/or attachments users may share to us, and any other information users may choose to provide to enable us to render our service.

When user fills up forms, we may ask for your contact information, including items such as name, address, email address, and telephone number, nature of work and travel information.


How We Use Your Information

We limit access to your personal data to our employees to enable them to perform our services. When you share your personal data with us, we use it for the primary purpose of processing travel insurance policies. The data we collect will be processed by various departments of and may be processed on a server located outside the country where you live. We use the information we collect in various ways, including to:

  • Evaluate the eligiblity of the person/s to be insured
  • Assess the premium or cost of insurance for the person/s to be insured
  • Register, encode to enable us to write insurance policies for insurance plans that we are authorized to issue
  • For insurance plans that are beyong our writing authority, we may transmit your data to our insurance company partners for their underwriting evaluation.
  • Administer billing and collection of insurance premiums through our payment gateway partners
  • Communicate with you to provide you with updates and other information relating to the website, and for marketing and promotional purposes
  • Develop new products, services, features, and functionality
  • To comply with regulatory obligations to the Insurance Commission and the Anti-Money Laundering Council.


Storage Of Your Personal Data

In addition to our own internal security programs, ensures your personal data is secured on computer servers in a controlled, secured environment.

Your personal data will not be  kept longer than necessary for the purposes of the above mentioned uses. Your personal data shall be retained by for as long as it is needed to perform its services. 

Should you wish to have your personal data erased from our database, please do let us know.

Log Files follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Cookies and Web Beacons

Like any other website, uses "cookies". These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.