1. INTRODUCTION

The Ensure Insured Platform ("Platform") is committed to protecting your privacy, data, and rights. We operate globally under A BLOCKS NEXUS LTD and comply with GDPR, DPDP Act 2023, UAE PDPL, CCPA, and other applicable international standards.

2. SCOPE

This Privacy Policy applies to all users accessing our Platform, including web interfaces, mobile applications, APIs, and associated services.

3. DATA COLLECTION

• Personal identification (name, email, contact details, government-issued ID).
• Vehicle and insurance policy information needed for verification.
• KYC/AML documentation as mandated by law.
• Technical information (IP address, browser/device metadata).
• Platform usage activity, logging, and audit trails.

4. PURPOSES OF DATA PROCESSING

• Enable Platform functionality, user registration, and verification.
• Comply with global KYC, AML, and insurance regulatory requirements.
• Prevent fraud and ensure secure transactions.
• Support user communication, customer support, and service improvements (no unsolicited marketing without consent).

5. LEGAL BASES FOR PROCESSING

• Consent (when required by law).
• Contractual necessity (to provide services).
• Legal obligation (mandated by regulators).
• Legitimate interests (security, fraud prevention, improvement).

6. DATA RETENTION

Personal data is retained only as long as necessary for service delivery, legal compliance, or as required by law. Secure deletion or anonymization occurs after retention expires.

7. DATA SECURITY

• AES-256 encryption at rest and TLS 1.3 encryption in transit.
• Role-based access control (RBAC), multi-factor authentication (MFA).
• Regular third-party security audits and protocol reviews.
• Incident response mechanisms and continuous monitoring.

No system is 100% secure, but we use best industry practices to protect your information.

8. DATA SHARING & TRANSFER

• Shared only with regulatory authorities, law enforcement, KYC/AML providers, cloud/hosting partners, as required.
• Never sold to external third parties.
• International transfers follow legal safeguards: Standard Contractual Clauses, GDPR/DPDP/EU/UAE adequacy procedures, or localization as required.

9. USER RIGHTS

• Access, rectify, delete your personal data.
• Request data portability.
• Object/restrict certain processing or withdraw consent.
• To exercise any right, contact support@ablocksnexus.com (or DPO if appointed).

10. COOKIES & TRACKING

We use cookies for essential functionality, analytics, and security. We do not use cookies for advertising without explicit consent. See our Cookie Policy for details and management options.

11. CHILDREN'S PRIVACY

This Platform is not intended for children under 18. We do not knowingly collect personal information from minors.

12. REGULATORY COMPLIANCE

• GDPR (Europe), DPDP Act (India), UAE PDPL, CCPA (USA), FATF (AML).
• Insurance industry regulations: VARA (Dubai), IRDAI (India).
• Policy updates as required to remain compliant with changes.

13. CHANGES TO THIS POLICY

We may update this Privacy Policy periodically. Material changes will be notified through Platform messages or email. Continued use of the Platform constitutes acceptance.

14. CONTACT INFORMATION

• Legal/Compliance: legal@ablocksnexus.com
• Support: support@ablocksnexus.com
• Website: https://ablocksnexus.com