THIS PRIVACY POLICY WAS LAST UPDATED IN JANUARY 2024

ReNu Insurance Group understands the value of your personal information, and we respect your right to privacy. We are committed to maintaining your confidence and trust. This commitment includes protecting the personal information that we obtain from you.

1. Information We Collect

General: Unless you provide information voluntarily, we will not collect any personal information about you when you visit our URL. If we ask you to provide information that personally identifies you, our request to do so will be specific. If you register to receive our newsletters or emails, participate in our webinars, or purchase items from our site, we will ask for personal information such as your name, email address, postal address, phone number, or credit card information. If we want you to provide additional information, we will explain why we need the additional information and how it will be used at the time of the request.

Email from you: You may email messages to us that will contain your screen name and email address along with any additional information you may wish to include in the text of your message.

Third parties: We may receive personal information from select third parties to fulfill orders for products, to facilitate your receipt of one of our newsletters or emails, or to communicate with you concerning your participation in a webinar.

Surveys: We occasionally conduct online surveys on specific topics. Our surveys are entirely voluntary, and you may easily decline to participate.

Website usage information: Our web server automatically collects and aggregates information about your visit to our URL, including your IP address, service provider, browser type, domain names of referring websites, operating system, pages accessed on our website, and the date and time of your access. If you use our online service, our web server will also collect and aggregate all the information that you enter into the query form, including the URL to be scanned, the accessibility guideline selected, your time zone and the “other options” settings (if any). This information is not personally identifiable. We analyze this aggregated information to optimize your experience and enhance your time spent with us online.

Tracking cookies: A cookie is a small text file containing a unique identifier that is placed on your computer’s hard drive when you visit a website. We use session-based and persistent first-party cookies to improve your access and ease of use of our website. We also use cookies as data collection devices on our forms to help recognize visitors who have previously registered on our website. The non-personal information collected from our use of first-party cookies is not linked to your personal information. Cookies do not damage your system or files in any way.

Most browsers now recognize when a cookie is offered and permit users to control how and when they will be accepted. If you are not sure whether your browser has this capability, you should consult the documentation that accompanies your browser or check with your Internet Service Provider (ISP). If you choose to decline cookies, you may not be able to fully experience the interactive features of ReNu Insurance Group’s services and websites that you visit.

2. Use of Information We Collect

We use your personal information in several ways:

• To fulfill your requests and process your transactions.
• To respond to your email messages.
• To support your customer relationship with ReNu Insurance Group. For example, if you provide us with an email or postal address, you may receive mailings from ReNu Insurance Group with information concerning special offers, new services, or products. You can unsubscribe to mailings from us at any time. Please refer to the “opt-out” section of this Policy for details on the “opt-out” process.
• To help recognize visitors who have previously registered on our website.
• To provide you with marketing materials and sales information about ReNu Insurance Group and its products and services.

We may combine the personal information that we collect from you on our website with other information that you provide to us in connection with your use of our other products and services.

3. Third-Party Relationships

We occasionally hire other companies to provide limited services on behalf of ReNu Insurance Group, including delivering purchases, administering surveys, and assisting with document production services. We will only provide such companies with the personal information that they need to deliver the service that we have requested of them. They are prohibited from using the personal information that we provide to them for any other purpose, and we make reasonable efforts to ensure that all third parties with whom we share personal information undertake to adhere to this Privacy Policy. We do not otherwise share your personal information with third parties unless you have granted us permission to do so.

We may disclose or use your personal information when we, in good faith, believe that either the law requires us to do so or such action is necessary to protect or defend ReNu Insurance Group’s rights or property.

4. Access, Correction and Maintenance of Personal Information

We provide reasonable and practical access for you to identify inaccuracies in your personal information. If you provide us with personal information through the ReNu Insurance Group’s website, you have the right to access this data.

To request an update, modification, or deletion of any personal information maintained by ReNu Insurance Group, you can contact us at team@renuinsurance.com. We will update or delete your personal information upon request; however, we will not be able to update or delete data that has been archived as part of our normal business operations.

We keep the personal information collected through our website as long as it is required to service your request or until you request its deletion. We retain aggregated information collected about your visit to our website (e.g., browser type, domain name, pages visited) until we have completed our review and analysis of this information.

We do not add third-party data to your personal information and maintain your personal information in a merged or supplemented format.

5. Opt-Out Process

If you are a ReNu Insurance Group contact, you may receive direct mail or other marketing material from ReNu Insurance Group.

At any time, you can “opt out” of receiving direct mail and marketing material from ReNu Insurance Group, such as product and service updates, by either contacting our email address or by following the “unsubscribe” instructions contained within the communication.

If, at any time in the future, we decide to use your personal information for a purpose not currently stated in this Policy, we will modify the Policy to disclose such usage in accordance with Section 8 below.

6. Links to Third-Party Websites

Websites accessed from our URL via hyperlinks or links to other sites may be governed by privacy policies and practices that differ from this Policy. The information practices of other third-party websites linked to URLs are not covered by this Policy. You are encouraged to become familiar with the privacy policies and practices of every website you visit prior to disclosing any personal information.

Information posted to discussion forums, bulletin boards, chat rooms and other public forums may be displayed publicly. Please consider this before posting.

7. Security of Personal Information

Any personal information that might be collected is stored in a secure location that is accessible only by designated staff. We make reasonable efforts to protect your personal information from loss, misuse, unauthorized access or disclosure, alteration, or destruction. In addition, we use a secure server to protect the safety and security of transactions over the Internet involving personal information.

8. Changes to ReNu Insurance Group’s Privacy Policy

We may modify or amend this Policy from time to time. In an effort to keep you informed of changes to this Policy, we will indicate the effective date of the currently posted policy at the top of the Policy. For substantial changes to this Policy, we will notify you by placing a prominent notice on our homepage. Changes to this Policy will not affect our use of previously provided personal information. No personal information provided by you under the terms of this Policy (or any prior version of this Policy) will be used in a manner that is materially inconsistent with it without your prior written permission.

9. Acceptance

By using the www.renuinsurance.com URL, you signify your acceptance of this Policy, as amended from time to time in accordance with Section 8 above. If you do not agree with the terms and conditions contained in this Policy, please do not use this website.

10. Contact Us

If you have thoughts, questions, or suggestions about this Privacy Policy Statement or any other aspect of your relationship with ReNu Insurance Group, please contact us at team@renuinsurance.com.