Privacy Policy

Thank you for visiting our Health Insurance Platform. We highly value user privacy and the protection of personal information. This Privacy Policy explains how we collect, use, store, and protect your personal data.

1. Information Collection

We may collect the following information during your use of our services:

• Basic Information: Name, gender, date of birth, ID number, contact details, etc.
• Health Information: Medical history, existing conditions, physical examination reports, medical records, etc. (used only for underwriting and insurance purposes).
• Device Information: IP address, browser type, access time, and other technical data.
• Payment Information: Bank card number, transaction records (used solely for insurance payment and claims settlement).

2. Use of Information

The information we collect is used for the following purposes, including but not limited to:

• Providing you with health insurance products and services
• Conducting risk assessment, claims review, and identity verification
• Improving platform functionality and user experience
• Fulfilling legal and regulatory obligations, such as audits and anti-fraud checks

3. Information Sharing and Disclosure

We do not sell or rent your personal information to any third parties. We may only share your information under the following circumstances:

• With your explicit consent or authorization
• To fulfill insurance contract obligations, necessary information may be shared with partner insurance companies, medical institutions, or third-party claims service providers
• As required by laws, regulations, or requests from administrative or judicial authorities

4. Information Storage and Security

• Your personal data is encrypted and stored on servers located within mainland China
• We implement multiple security measures to prevent data leakage, tampering, or loss
• Upon account cancellation or expiration of required retention periods, your information will be deleted or anonymized

5. User Rights

You have the following rights:

• Access, correct, or delete your personal information
• Withdraw consent or request restriction of certain processing activities
• Cancel your account and terminate further processing of your personal data

To exercise these rights, please contact our customer support via email or through your account settings on the platform.

6. Protection of Minors’ Information

We do not knowingly collect personal information from children under the age of 14. If such data is discovered, please contact us immediately for deletion.

7. Policy Updates

We may update this Privacy Policy from time to time. All changes will be posted on this page with the effective date clearly indicated. For significant changes, we will notify you prominently on our website.