Privacy Policy

1. Introduction

Bilwal Insurance ("Bilwal Insurance," "we," "our" or "us") respects your privacy and aims to handle personal information responsibly. This policy describes our general practices for information collected through bilwalinsurance.com and through communications initiated using our website.

This policy applies to website visitors and people who contact us through the website. Additional privacy notices, application forms, insurance documents or service-specific terms may apply depending on the services you request.

2. Information We Collect

The information collected depends on how you interact with our website and whether you choose to contact us.

Information You Provide

If you contact us by telephone or another available communication method, you may choose to provide information such as:

• Your name and contact details.
• The type of insurance you are interested in, such as auto, home, life or business insurance.
• Information you choose to share when asking a question or discussing a potential insurance request.
• Other details reasonably needed to respond to your inquiry.

Information Collected Automatically

Depending on the website hosting, security and analytics tools in use, technical information may be collected, such as:

• IP address and general device or browser information.
• Pages viewed, referring pages and approximate visit times.
• Website performance, error and security logs.
• Cookie identifiers or similar technical data, where enabled.

We do not intend for this website to collect sensitive personal information unless it is specifically requested through an appropriate process and handled in accordance with applicable requirements.

3. How We Use Information

To the extent permitted by applicable law, information may be used to:

• Respond to your questions and requests for information.
• Discuss insurance products or coverage options you ask about.
• Communicate about your inquiry or a potential next step.
• Operate, maintain and improve website functionality and performance.
• Detect suspicious activity, prevent misuse and help protect website security.
• Maintain appropriate business records and comply with applicable legal obligations.
• Establish, exercise or defend legal rights when necessary.

We will not describe a use as occurring unless it is consistent with our actual practices and applicable law.

4. How We Share Information

We do not sell personal information in exchange for money as a general business practice described by this notice. Depending on the services and tools actually used, information may be disclosed in limited circumstances, including:

• Service providers: Website hosting, security, technical support, communications or analytics providers that help operate the website or provide requested services.
• Insurance-related parties: Insurance carriers, agencies, brokers or other relevant parties when necessary to handle a request and legally permitted. Any applicable separate notice or authorization will govern where required.
• Legal and regulatory purposes: When required by law, legal process, regulatory request or to protect rights, safety and security.
• Business changes: In connection with a proposed or completed merger, restructuring, transfer or sale of relevant business assets, subject to applicable privacy requirements.
• With your direction: Where you ask us or authorize us to share information.

Some privacy laws define "sale," "sharing" or targeted advertising more broadly than ordinary usage. Where applicable, our actual practices and the law will determine what notices and choices are required.

5. Cookies and Analytics

Our website or its service providers may use cookies, pixels, server logs or similar technologies to support essential functions, understand website usage, improve performance and help protect against misuse.

Cookie availability and purpose depend on the tools installed on the website. You can often manage cookies through your browser settings. Blocking certain cookies may affect website functionality.

If analytics, advertising or other non-essential tracking tools are used, additional disclosures or consent mechanisms may be required by applicable law. Those requirements should be implemented according to the tools actually enabled on the website.

6. Data Security

We aim to use reasonable administrative, technical and organizational measures to help protect information against unauthorized access, loss, misuse or alteration.

No website, electronic transmission or storage system can be guaranteed to be completely secure. Please avoid sending sensitive information through ordinary website communications unless you have been provided with an appropriate and secure method.

7. Data Retention

Information may be retained for as long as reasonably necessary for the purposes described in this policy, including responding to inquiries, maintaining business records, meeting legal or regulatory obligations, resolving disputes and enforcing agreements.

The applicable retention period depends on the type of information, the reason it was collected, actual business needs and legal requirements.

8. Your Privacy Choices and Rights

Depending on where you live and the laws that apply, you may have rights concerning your personal information. These may include the right to:

• Request access to certain personal information we hold about you.
• Ask for inaccurate information to be corrected.
• Request deletion of certain information, subject to legal exceptions.
• Opt out of certain sales, sharing or targeted advertising activities where applicable.
• Withdraw consent where processing is based on consent.
• Appeal a privacy-rights decision where applicable law provides that right.

These rights are not universal and may be subject to verification, exemptions and other legal conditions. We will handle eligible requests in accordance with applicable law.

To ask a privacy-related question or submit a request, call +1 (888) 506-0155. Please do not provide account credentials, payment-card details or other highly sensitive information in an initial inquiry.

9. Third-Party Websites and Services

Our website may contain links to external websites or services. Those third parties may have their own privacy policies and practices, which we do not control. Visiting an external website is subject to that provider's terms and privacy notices.

We encourage you to review the privacy information provided by any third-party service before submitting personal information to it.

10. Children's Privacy

This website is intended for a general audience and is not designed to knowingly collect personal information directly from children in violation of applicable law.

If you believe a child has provided personal information to us inappropriately, contact us so that the matter can be reviewed and any legally required action can be taken.

11. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our website, practices, services or legal obligations. When updates are made, we will revise the "Last Updated" date shown near the top of this page.

Where required by law, we will provide additional notice or obtain consent for material changes. We encourage you to review this page periodically.

12. Contact Bilwal Insurance

If you have questions about this Privacy Policy or wish to raise a privacy concern, you can contact us using the details below.

Please note that this page does not state a mailing address or dedicated privacy email because those details have not been provided. Add verified business contact details if you want to accept privacy requests through those channels.