Our Philosophy

Fundamentally, for the purposes of providing information to prospective clients in relation to their insurance coverage, it will be essential to collect and process Personal Data. We recognise that the correct and lawful handling, storing and processing of data will maintain confidence in our company and will provide for successful business operations. The trust of our clients is essential to us.

Further, we are also acutely aware that Personal Data loss or misuse may potentially result in harm to individuals, including embarrassment, inconvenience, and misuse of data. Protecting the confidentiality and integrity of Personal Data is a critical responsibility that NowCompare.com.hk regards as imperative to the process of securing the best insurance coverage for our Clients, and in the ongoing relationship of trust we have with our Clients.

Guiding Principles

NowCompare.com.hk adheres to the following guiding principles when managing and processing Personal Data that require us to:

(a) Only collect and use Personal Data fairly, and only where such collection is for lawful and specific purposes relating to the desires of the Clients and any contractual or business requirement of ourselves or our partners;
(b) Ensure that our collection of Personal Data is limited to what is adequate, relevant, and not excessive for the intended purpose;
(c) Display information about our Personal Data processing practices prominently and easily-accessible, and to ensure that such information is presented in a clear and transparent manner;
(d) Ensure, or take all reasonable steps to ensure the accuracy of the Personal Data we collect, hold, and use.  All information we collect shall be considered to be accurate, however, upon any notification of an error such information shall be updated as soon as is reasonably practical;
(e) Limit the retention of Personal Data only for the time needed to fulfil the established purpose, whether legally, contractually or practically to serve the intended purpose of the data collection;
(f) Respect at all times the rights of any Clients, individual or body for whom we collect Personal Data;
(g) Secure, through the use of robust and effective IT systems the Personal Data we hold on behalf of Clients;
(h) Limit the sharing of Personal Data to that which is legally, contractually or practically required, and where there is a legitimate business interest in doing so.

What personal information do we collect from the people that visit our site? 

When using NowCompare.com.hk you may be asked to enter various pieces of information to assist in the preparation of insurance coverage quotations to suit your needs.  We may be contractually required by insurers to collect, retain and share Personal Data for the purposes of securing insurance coverage on your behalf.

Such information may include, but will not be limited to:

• Your name;
• Email address;
• Phone number;
• Location;
• Age; 
• Nationality;
• Any other details to help you with your experience.

Due to the nature of the business, we may on occasion be required to collect Personal Data which relates to children (minors aged under 18) as part of the data collection process.  In such circumstances we will ensure, so far as is reasonably practicable, that we have the consent of the parent or guardian of the child in question to secure the data necessary to provide our services.

Where we are providing services to a business entity, the information requested may be in excess and above the information listed above, depending on the contractual, legal or practical requirements of insurers.  Such information may include, but not be limited to:

• Employee (and family member(s)) details relating to the list above;
• Relevant business registration documents;
• Specific remuneration information, depending on the nature of the insurance coverage sought;
• Any other details to help you with your experience.

Certain insurers may require the input or provision of medical information as part of the application process.  Where such information is required, this shall be processed accordingly by NowCompare.com.hk.  Such information shall be disclosed by you voluntarily.

When do we collect information? 

We collect information from you when you register on our website, request a quote, subscribe to a newsletter, respond to a survey, fill out a form or enter information on our website, or when you provide us with feedback on our products or services and/or leave a review.

How do we use your information? 

We may use the information we collect from you in the event when you request a quote, sign up for our newsletter, respond to a survey or any marketing communication, surf the website, or use certain other website features in the following ways:

• To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested; 
• To improve our website in order to better serve you; 
• To allow us to better service you in responding to your customer service requests; 
• To administer a contest, promotion, survey or other website feature; 
• To ask for ratings and reviews of services or products;
• To follow up with you after correspondence (live chat, email or phone inquiries).

Do you Share Personal Data? 

Your Personal Data collected by NowCompare.com.hk shall be collected, stored and shared internally within our offices.  We may on occasion be contractually required to share your data with relevant third-party entities, particularly licensed insurance companies, insurance intermediaries and agents, third-party administration services or administrators, and any relevant third-party service providers.  
On occasion we may also be requested, compelled or obliged to share requested Personal Data with law enforcement agencies, governmental authorities or as and when is required by law and local regulation. 

How do we protect your information? 

We use regular Malware Scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

Your Consent 

In submitting information through this website, and by using the website, you consent to our collection, storage and use of your Personal Data in accordance with the terms of this Privacy Policy.  Any data you choose to submit shall be considered to have been submitted voluntarily.
As and when is required by applicable laws, your consent shall be sought for the collection, processing and use of your Personal Data.  You shall of course retain the right to refuse to provide any information or data, and any information or data which you do choose to give shall be done so voluntarily.  You shall have the unfettered right to refuse to provide any data, and shall have the right to request to view or remove the data which has been collected from you at any juncture.

Can I Change my Consent? 
In the event you wish to amend any data which has been collected by NowCompare.com.hk, please ensure that notification is sent to ourselves at the following email address: [email protected].

You may also use the email address above to opt-out of receiving any marketing communications from us.  In the event you do not notify us of your wish to opt-out of any such marketing communications, this shall be considered to be implied consent of your desire to continue to receive such correspondence.

Do we use ‘cookies’? 

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser (if you allow) that enables the website’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process information required to provide comparisons and quotes. They are also used to help us understand your preferences based on previous or current website activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about website traffic and website interaction so that we can offer better website experiences and tools in the future.

We use cookies to: 

• Understand and save user’s preferences for future visits. 
• Keep track of advertisements. 
• Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. 

We may also use trusted third-party services that track this information on our behalf. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is a little different, please review your browser’s Help Menu to learn the correct way to modify your cookies. If you turn your cookies off, some of the features that make your website experience more efficient may not function properly. 

We use cookies to: 

Third-party disclosure - We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information and when it is released this is appropriate to comply with the law, enforce our website policies, or protect ours or others’ rights, property or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links 

Any third-party products or services offered on our website have separate and independent privacy policies. We herefore have no responsibility or liability for the content and web host activities of these linked websites. Nonetheless, we seek to protect the integrity of our website and welcome any feedback about these websites. Google advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users: https://support.google.com/adwordspolicy/answer/1316548?hl=en.
We use Google AdSense Advertising on our website. Google, as a third-party vendor, uses cookies to serve ads on our website. Google’s use of the DART cookie enables it to serve ads to our users based on previous visits to our website and other websites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy. We have implemented the following: Remarketing with Google AdSense; Google Display Network Impression Reporting; Demographics and Interests Reporting; DoubleClick Platform Integration. We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

Opting out 

Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on. 

If you require any further information about NowCompare.com.hk’s Privacy Policy please contact us at [email protected]