Privacy Statement for Web Sites Owned by and All Business Conducted with TFG Global Insurance Solutions Ltd.

Expat Financial, which is owned by TFG Global Insurance Solutions Ltd., has created this privacy statement to demonstrate our firm’s commitment to privacy. This Privacy Statement applies to all of the products, services, offered by this and all websites owned by it’s owner, TFG Global Insurance Solutions Ltd. (“TFG Global”) to you. It is important that you read this privacy statement carefully along with our legal disclosure and cookies policy clearly linked on the bottom of every web page.

Web Sites Governed by This Privacy Policy

The following websites including this one are governed by this privacy policy:

tfgglobal.com, travelinsurancenow.com, travelinsuranceusa.com, globaltravelinsurance.com, healthcover.ca, expatfinancial.com, travelinsurancechina.com, travelinsuranceindia.com, internationalhealthinsurance.info and Afghanistan-insurance.com

General Statement

People rely on us to help them source products and services that meet each your needs. To do both, we need to gather – and protect – certain information about you and your family members where necessary.

TFG Global Insurance Solutions Ltd. (aka TFG Global) and its various websites including Expat Financial will collect, use and disclose the personal information you give for the purpose of providing you with insurance and financial services and quotes.

Security of Information

To protect your confidentiality, access to this information will be restricted to those employees, mandataries, administrators or agents of TFG Global who are responsible for the administration of services, underwriting, marketing; and for the processing, facilitating and investigation of claims.

Our web sites have active security measures in place to protect the loss, misuse, and alteration of the information under our control and our site is on a secure server (SSL). Also note than any computers and software that contain client information are kept in our locked offices or are password protected. However, not system is 100% secure and information is sent via email to our associates and insurers.

Sharing Information with Our Insurance Partners & Suppliers

When necessary, this information may be shared with others such as, but not limited to, medical facilities, insurance companies, and insurance agents/brokers who we work with and other organizations and to any other person you authorize or that is authorized by law. This acknowledges that information may be transmitted by facsimile (fax), e­mail, postal service, courier service or telephone, and we cannot guarantee the security or privacy of the information that is transmitted through these channels.

Order Forms

Our site uses an order form for customers to request information, products, and services. We collect contact information (like their email address), and demographic information (like their zip code, age, or income level).

Contact information from the order forms is used to ship brochures and other information about our company. The customer’s contact information is also used to get in touch with the visitor when necessary. Information given to any of our companies will not be sold to any other companies or organizations

External Links

This site contains links to other sites. Expat Financial is not responsible for the privacy practices or the content of such Web sites. See Legal Terms & Conditions for this site and any other sites owned by TFG Global.

Special Relationships

Expat Financial is a division of TFG Global Insurance Solutions Ltd. As such, information given to Expat Financial will be acted upon by the employees of TFG Global Insurance Solutions Ltd. (TFG). The information gathered will be acted upon by the employees and authorized agents of TFG.

Security

This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Computers and software that contain the information are kept in secure areas and are protected by passwords. Please note that no security system is 100% secure We will not knowingly disclose confidential information supplied to you, except to the extent necessary and incidental to the purposes for which the information was supplied (for example to obtain quotes from suppliers), without the supplier’s permission. Your personal data maybe transferred to our other offices where necessary for the performance or conclusion of our contractual obligations to you or for your benefit. These transfers of personal info could be made where necessary for the establishment, exercise, or defense of legal claims.

Data Quality/Access & Opt Out

This site gives users the following options for changing and modifying information previously provided:

  1. You can email us via our contact page.
  2. You can send mail to the following postal address: #1500-701 West Georgia Street, Vancouver, BC V7Y 1C6
  3. You can call the following telephone number: 604-628-0426
  4. All of our communications via email contain an unsubscribe link, but people are free to contact us by phone or email if they do not wish to be contacted by us.
  5. If you have a question about our privacy statement and practices, please contact us via email or by post.
  6. Our newsletter has a clearly labeled unsubscribe button.
  7. We only collect personal information when you voluntarily submit it to us.
  8. We will not sell or rent out your emails or personal information.
  9. You can also opt out of receiving marketing emails or information from us any time via email, post or phone.

Contacting the Web Site

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact: info@tfgglobal.com

Web Site Cookies

Our web sites & social platforms use cookies. For detailed information on our use of cookies and your rights and options in relation to this, please consult our Cookie Policy.

Obtaining a Quote & Client Service

When you send us an email or use the quote forms on our site, we need personal information in order to provide you with the product that you request and identify your requirements. We may even have to ask for medical information and history. This could including personal information such as email, address, gender, dates of birth and more due to the nature of insurance – all of which is sensitive information about your, your spouse and dependents. We may use the information to contact you and it may be sent to our insurance partners, send internally for admin purposed and suppliers to obtain a quote – we can’t guarantee how others will use or store your information. The collection of private information is required in the underwriting process or when underwriting your application for underwriting and insurance. Retaining your personal information is also required in order for our firm to properly service and assist our clients after any purchase is made – including advocating on your behalf with insurers – this may be outside our and your country of residence or citizenship.

Referrals

Sometimes people will give us someone else’s personal information for referral purposes and our firm or suppliers may use that information to invite them to visit our websites or to provide them information about our products or services. You must make sure that these people have agreed for you to pass on their personal information to us, before you do so. Also, your personal data may be stored in the cloud with secure password access that allow us to backup client personal data so that it is not lost or stolen.

Transfers of Information Outside your Country

For legitimate purposes we may have to transfer your personal information to trusted recipients or persons for social marketing, legal or for safety reasons. If we need to share your personal information outside this Privacy Statement, we ask you verbally or in writing. TFG Global may have to share your information with another insurance broker who we feel may be able to assist us or obtain an insurance quote or coverage for you.

Data Storage

Your data will be stored on servers of our hosting service providers in the United States (Microsoft or Drobox) or on our password secure computers. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and Canadian data protection legislation.

Types of Information that We May Collect

Our firm may have to collect information you give us as part of your quote process or application, and in correspondence with us by phone, email, post or other means of communication. This information could possibly include personal information, such as:

  • Name
  • Address
  • Email address
  • Telephone number
  • Date of Birth
  • Bank details
  • Occupation
  • Citizenship
  • Country of Residence
  • Information about you gained from analysis or profiling
  • Income

It is possible that we may have to ask for and collect sensitive personal information, such as details of your physical and mental health in order to obtain information regarding the insurance products and services where we have a contractual basis to do so. The insurers that we work with may also receive or ask for the above information in order to underwrite your insurance coverage and we are not responsible for their handling of this information. If you do not provide the personal information, we will not be able to advise you or obtain quotes for insurance. The insurers may not be able to process your claims or provide quotes for valuable insurance coverage.

Employees of Our firm

Our employees, agents, and contractors who have access to personal information must protect this information so that it is consistent with this Privacy Statement and may not use the information for any purpose other than to carry out the services they are performing for TFG Global. These associates and employees must abide by their confidentiality obligations and may be subject to discipline or termination if they do not abide by our privacy practices.

Outside Links or Connections to Our Insurers and Providers

Since we don’t own or control all the sites linked from this site, TFG Global and it’s associates cannot guarantee they are secure; therefore, we cannot assume responsibility for all their various privacy practices. If you link onto a website of a company that is not affiliated with our company, then we recommend you examine privacy policies of any of the websites you visit once you leave this site.

Government Requests

Note that we may have to comply with or as required by any request or direction of any governmental authority; such as responding to requests for information from public agencies, ministries, statutory boards or other similar authorities. For the avoidance of doubt, this means that we may/will disclose your personal data to the aforementioned parties upon their request or direction.

What About Information Your Hold on Me

You are free to contact us to ask about personally identifiable information that TFG Global has collected about you, or to correct factual errors in that information. You are free to contact us to see what information TFG Global has on you, but we can not assist you on what other companies or individuals may have in their control about your personal information or that of your family members.

Privacy Statement Updates & Laws

Our firm will regularly review our own compliance with this Statement. We recommend that you review it often in accordance with the privacy laws in the Province of British Columbia & in Canada where our company and web sites are governed. We will continue to treat your personal info with the same confidentiality and respect we extend to all our customers. This will be in keeping with data protection legislation in Canada. Please make sure that you read and understand this privacy statement, legal disclosure and cookie policies before examining our site and obtaining quotes or service.

Contact Us

You may contact us by using the “Contact” links on our Website or by sending an email to info@tfgglobal.com

We try to reply promptly to every message we may receive. This information is used to respond directly to your questions or comments. It is possible that we may have to file your email for legal reasons or to improve our service in the future.

The above privacy and other legal notices on our web sites is subject to change at any time without notice.