Data Collection

InsoraNSenior collects information that users provide directly as well as data collected automatically when users access the platform. The types of data collected depend on the features used and the level of service chosen. Collection is limited to data necessary to provide matching, comparisons and related support services.

Data You Provide

When registering for an account, requesting quotes, or communicating with insurers through InsoraNSenior, users may provide the following categories of data. Users are encouraged to avoid submitting unnecessary sensitive information unless explicitly requested by an insurer and consented to by the user.

• Identification and contact details such as full name, email address, postal address and telephone number.
• Basic demographic and retirement-related information including date of birth, retirement status, and household composition.
• Business and policy preference information such as current insurer, existing coverage, target budget for premiums and desired coverage types.
• Documentation uploaded to support applications, for example identity documents or proof of eligibility when requested by an insurer.
• Health or medical information only when voluntarily provided by the user to facilitate insurer underwriting; such data is processed with the user’s explicit consent and handled in accordance with applicable law.
• Communications between the user and InsoraNSenior or insurers, including messages, notes and confirmations related to quotes and policy applications.

Data Collected Automatically

When users visit InsoraNSenior.pro we automatically collect certain technical and usage information to operate the service, maintain security and improve user experience.

• IP address and general geographic location derived from the IP address (country and region).
• Device and browser information, including device type, operating system, browser version and screen resolution.
• Usage data such as pages visited, features used, session duration and navigation paths on InsoraNSenior.pro.
• Cookies and similar tracking technologies used to store preferences and support analytics.
• Referrer information and advertising identifiers when interacting with third-party content or links.
• Server logs and diagnostic data collected for troubleshooting, security monitoring and performance analysis.

Third-Party Sources

In some cases InsoraNSenior may receive data about users from third parties, such as insurers, consultant or publicly available sources, to complete matches or verify information provided by the user.

• Information supplied by participating insurers or consultant for policy comparison and application purposes.
• Data from analytics and advertising partners that helps measure service performance and user engagement.
• Publicly available data and databases used to corroborate identity or eligibility information when necessary.

Legal Bases for Processing

InsoraNSenior relies on one or more lawful grounds to process personal data. The applicable basis depends on the processing activity and the context in which data is collected.

• Consent: Where users provide explicit consent for specific processing activities, for example sharing health information with insurers for underwriting.
• Contractual necessity: Processing necessary to perform services requested by the user, such as preparing and transmitting quote requests to insurers.
• Legal obligation: Processing required to comply with applicable laws and regulatory requirements in Malaysia.
• Legitimate interests: Processing for InsoraNSenior’s legitimate operational interests such as platform maintenance, fraud prevention and improving services, subject to safeguards to protect user rights.

Cookies

Cookies and similar technologies are used on InsoraNSenior.pro to enable basic site functionality, remember preferences and gather analytics about how the service is used. Users may adjust browser settings to manage cookie preferences.

Common cookie types used include session cookies (temporary) and persistent cookies (remain after the session ends), as well as cookies placed by third-party analytics or advertising services integrated with the site.

Cookies are categorised for convenience: strictly necessary (essential for site operation), preferences (remembering settings), analytics (site usage measurement) and marketing (ad personalisation).

Users can control cookie settings through their web browser and opt out of certain third-party tracking by adjusting privacy preferences. Disabling cookies may affect functionality of some InsoraNSenior features.

Cookie Policy

Data Sharing

InsoraNSenior shares user data only as necessary to provide the service, with service providers, participating insurers and when required by law. Sharing is limited to the minimum data needed for the specific purpose.

• Participating insurers and consultant to obtain quotes, conduct underwriting and manage policy applications.
• Third-party service providers such as payment processors, hosting providers and IT support vendors that perform services on our behalf.
• Analytics and advertising providers to measure site usage and improve service delivery.
• Legal and regulatory authorities if required to comply with a legal obligation or in response to lawful requests.
• Business partners and affiliates where sharing is necessary to deliver combined services or referrals agreed by the user.
• Other parties with user consent or at the user’s direction, for example when a user requests information be forwarded to a designated consultant.

International Transfers

Personal data processed by InsoraNSenior may be transferred to recipients or service providers located outside Malaysia. Transfers are made only when necessary to provide the service or to support operations.

Where data is transferred internationally InsoraNSenior uses contractual agreements, data processing contracts and technical measures such as encryption to maintain an adequate level of protection appropriate to the transfer.

Data Retention

InsoraNSenior retains personal data only for as long as necessary to fulfil the purposes listed in this policy or to meet legal, regulatory or operational needs.

Account information and user preferences are retained while an account is active and for a reasonable period after account closure to allow resolution of any outstanding matters and to meet record-keeping obligations.

Communications, messages and application records are retained according to operational needs and legal requirements; retention periods may vary depending on the nature of the record.

Operational logs, diagnostic data and security records are retained for a limited period appropriate to system maintenance and fraud detection needs, typically measured in months rather than years, unless otherwise required by law.

Users may request deletion of their personal data where applicable. Deletion requests are processed in accordance with applicable law; certain data may be retained if necessary to comply with legal obligations or to protect legitimate interests.

Security

InsoraNSenior employs administrative, technical and organisational measures to protect personal data against unauthorised access, disclosure, alteration or destruction. Measures are designed to be proportionate to the sensitivity of the data processed and the size of the operation.

• Encryption of data in transit and at rest where appropriate, using industry-standard protocols.
• Access controls and role-based permissions to limit who can view or process personal data within InsoraNSenior.
• Regular security reviews, monitoring and incident response procedures to detect and address potential security events.

User Rights

Depending on applicable law and individual circumstances, users may exercise various rights in relation to their personal data. Requests can be submitted using the contact information provided below.

• Right to access: request confirmation of whether we process personal data and obtain a copy of that data.
• Right to rectification: request correction of inaccurate or incomplete personal data held by InsoraNSenior.
• Right to deletion: request erasure of personal data subject to legal and contractual retention requirements.
• Right to data portability: request a copy of personal data in a commonly used, machine-readable format when applicable.
• Right to restriction of processing: request limitations on processing in certain circumstances.
• Right to object: object to processing based on legitimate interests or for direct marketing purposes where applicable.
• Right to withdraw consent: withdraw consent for processing activities that rely on consent, without affecting the lawfulness of prior processing.
• Right to lodge a complaint with a supervisory authority if the user considers their rights under applicable data protection laws have been infringed.

Data subject rights and requests

You may submit requests to access, correct, delete, or obtain a copy of personal data that InsoraNSenior holds about you. We evaluate and respond to requests in line with applicable data protection laws. To help us locate records, please provide the email address or phone number originally used when contacting our service and a description of the data or processing activity you want us to address.

[email protected]

We aim to acknowledge requests within 7 business days and to provide a substantive response within 30 days of receipt. Complex requests or those requiring verification of identity may take longer; if so, we will notify you with an estimated timeline and the reason for the extension.

Marketing communications

InsoraNSenior may send informational emails or messages about service updates, new partner offers relevant to retirees, and changes to our platform. These communications are informational in nature and intended to help users understand options related to retirement insurance matching and planning.

You can opt out of marketing messages at any time by following the unsubscribe link included in the message or by contacting our privacy team. After you unsubscribe, we will stop sending promotional communications, but you may still receive non-promotional service messages.

Children and personal data

InsoraNSenior's services are designed for adults and retirees. We do not knowingly collect personal data from persons under the age of 18 for our matching services. If we become aware that we have collected personal data from a minor without appropriate consent, we will take steps to delete that data.

Third-party links and partners

Our platform may include links to third-party websites or services, including insurance partner sites. Those sites have their own privacy notices and practices. InsoraNSenior is not responsible for third-party content or privacy practices; please review third-party privacy policies before providing personal data.