Last updated: August 17, 2026
OAC Insurance Broker ("OAC Insurance Broker", "we", "our", or "us") respects your privacy and is committed to protecting the personal information you provide when using our mobile application and related services.
This Privacy Policy explains what information we collect, how we use and protect it, when information may be shared, how long it is retained, and how users may request deletion of their personal data.
1. Information We Collect
Depending on the services you use, we may collect or process the following categories of information:
Personal Information
- Name and account information.
- Email address and other contact information.
- Insurance identification numbers.
- Insurance policy information.
- Profile information and profile images voluntarily provided by the user.
- Other information provided when using our services or contacting support.
Insurance and Health-Related Information
- Insurance coverage information.
- Insurance claim information and claim status.
- Information required for claim processing and verification.
- Hospital or healthcare provider information associated with insurance services.
- Documents or images voluntarily submitted in connection with insurance services or claims.
Device and Technical Information
- Device type and device model.
- Operating system and application version.
- IP address and technical log information.
- Device identifiers or notification identifiers where required for app functionality.
- Application usage and diagnostic information.
2. How We Use Your Information
We may use collected information to:
- Provide and maintain insurance-related services.
- Allow users to access their insurance information.
- Process, display, and track insurance claims.
- Verify insurance coverage and related information.
- Help users locate or identify supported hospitals or healthcare providers.
- Provide customer support.
- Send important service-related notifications.
- Improve application functionality, reliability, and user experience.
- Protect accounts and prevent unauthorized access, fraud, or abuse.
- Comply with applicable legal and regulatory obligations.
3. Sensitive Personal Information
Certain information processed through OAC Insurance Broker may be considered sensitive personal information, including insurance, coverage, health-related, and claim information.
Sensitive information is processed only when necessary to provide the requested insurance services, fulfill legal or contractual obligations, protect users, or operate the application.
We do not sell personal or sensitive user information.
4. Sharing of Information
We do not sell or rent your personal information. Information may only be disclosed when reasonably necessary in circumstances such as:
- Service providers: To trusted providers that assist us with hosting, application infrastructure, notifications, security, technical support, or other services necessary to operate our application.
- Insurance-related services: Where necessary to provide or support insurance services requested by the user.
- Legal requirements: When disclosure is required by applicable laws, regulations, legal processes, or lawful government requests.
- Protection and security: When reasonably necessary to prevent fraud, misuse, security threats, or protect the rights and safety of users and our services.
- User consent: When you have explicitly authorized us to share specific information.
5. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal and sensitive information against unauthorized access, disclosure, alteration, misuse, or loss.
Our security practices may include:
- Secure authentication and access controls.
- Encrypted network connections when transmitting sensitive information.
- Restricted access to personal and sensitive information.
- Security monitoring and maintenance of our systems.
- Reasonable measures to prevent unauthorized access to user accounts.
Although we take reasonable measures to protect user information, no electronic transmission or data storage system can be guaranteed to be completely secure.
6. Data Retention
How Long We Keep Your Information
We retain personal information only for as long as reasonably necessary to provide our services and fulfill the purposes described in this Privacy Policy.
Retention periods depend on the type and purpose of the information:
- Account and profile information may be retained while the user's account or insurance relationship remains active.
- Insurance, policy, and claim information may be retained for the period necessary to provide insurance services and to comply with applicable insurance, legal, regulatory, contractual, accounting, or dispute-resolution requirements.
- Technical and security information may be retained only for the period reasonably necessary for application security, fraud prevention, troubleshooting, diagnostics, and system integrity.
When information is no longer necessary for the purposes for which it was collected and there is no legal or regulatory requirement requiring continued retention, we will delete, securely dispose of, or anonymize the information.
7. Data and Account Deletion
Request Deletion of Your Personal Data
Users may request deletion of their personal information associated with OAC Insurance Broker.
To submit a deletion request, please contact us using the email address below:
Email: [email protected]
Request Data DeletionHow to Submit a Deletion Request
- Send an email to [email protected].
- Use the subject: "Data Deletion Request - OAC Insurance Broker".
- Provide sufficient account information so that we can identify the account associated with the request.
- We may request reasonable information necessary to verify the identity of the requester before processing the deletion.
- After verification, we will process the request without undue delay, subject to applicable legal and regulatory requirements.
What Happens After a Deletion Request
Following a valid and verified deletion request, personal data associated with the user's account will be deleted or anonymized when it is no longer required for the purposes described in this Privacy Policy.
Certain information may need to be retained where retention is required by applicable law, insurance regulation, legal obligation, fraud prevention, security requirements, accounting requirements, dispute resolution, or other legitimate legal obligations.
Where information must be retained for such purposes, access will be restricted where appropriate and the information will be deleted or anonymized when the applicable retention requirement expires.
8. User Privacy Rights
Subject to applicable law, users may contact us to request:
- Information about personal data associated with their account.
- Correction of inaccurate personal information.
- Deletion of eligible personal information.
- Information regarding how their personal information is processed.
Requests may be subject to reasonable identity verification to protect users from unauthorized access or deletion requests.
9. Children's Privacy
OAC Insurance Broker is not intended to knowingly collect personal information directly from children under the age of 13 without appropriate authorization where required by applicable law.
If we become aware that personal information from a child has been collected in violation of applicable requirements, we will take reasonable steps to delete or appropriately handle that information.
10. Third-Party Services
Our application may rely on third-party technology or service providers to support functions such as hosting, notifications, security, communications, diagnostics, or application infrastructure.
Where third-party providers process personal information on our behalf, we take reasonable steps to require appropriate handling and protection of that information in accordance with applicable obligations.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to our application, services, legal requirements, or data practices.
When this Privacy Policy is updated, the "Last updated" date at the top of this page will be revised.
We encourage users to review this Privacy Policy periodically.
12. Consent
By using OAC Insurance Broker and providing information through our services, you acknowledge the data practices described in this Privacy Policy, subject to applicable law and any consent requirements that may apply.
13. Contact Information
If you have questions about this Privacy Policy, our privacy practices, or would like to submit a privacy-related request, please contact:
Company / App: OAC Insurance Broker
Email: [email protected]
Phone: +856 20 7710 5350
Address:
Ban Thatluangkang,
Saysettha District,
Vientiane Capital,
Lao PDR