Privacy Policy

1. Introduction

Lobscare (“Company”, “we”, “our”, or “us”) is committed to protecting the privacy, confidentiality, and security of personal information collected through our platform, website, applications, and related services.

This Privacy Policy explains how we collect, use, process, store, disclose, and safeguard personal information when users access or use our services, including bookings, consultations, digital agreements, subscriptions, payment processing, policy purchases, and related business operations.

By accessing or using Lobscare services, users acknowledge and agree to the practices described in this Privacy Policy.

2. Information We Collect

We collect the following categories of information:

2.1 Personal Information

• Full name
• Email address
• Phone number
• Profile or account details
• Business/company details (if applicable)
• Identity verification data (where required by law or payment providers)

2.2 Transaction Information

• Service bookings and orders
• Subscription or package details
• Payment transaction metadata
• Invoice and billing history
• Contract or agreement records

2.3 Payment Information

Payments are processed through secure third-party payment gateways. Lobscare does not store complete card or banking credentials on its own servers unless handled via PCI-compliant systems.

Collected by processors may include:

• Cardholder name
• Transaction ID
• Payment status
• Fraud detection signals

2.4 Technical Information

• IP address
• Device type
• Browser type
• Operating system
• Access logs and timestamps
• Session activity and usage data

2.5 Communication Data

• Customer support messages
• Email correspondence
• Chat interactions
• Feedback submissions

3. How We Use Information

We use collected data to:

• Provide and operate services
• Process transactions and payments
• Manage user accounts
• Generate invoices and contracts
• Deliver customer support
• Improve platform performance
• Prevent fraud and enhance security
• Comply with legal obligations
• Conduct analytics and reporting
• Send service-related notifications

4. Legal Basis for Processing

We process personal data based on:

• Contractual necessity
• Legal compliance
• Legitimate business interests
• User consent (where applicable)

5. Data Sharing

We do not sell personal data.

We may share data with:

• Payment processors and financial institutions
• Cloud hosting and IT service providers
• Analytics and security providers
• Legal or regulatory authorities when required
• Authorized internal staff and contractors

6. Data Retention

We retain data only as long as necessary for:

• Service delivery
• Legal compliance
• Financial and accounting requirements
• Dispute resolution
• Security and fraud prevention

7. Data Security

We implement appropriate technical and organizational security measures including:

• SSL encryption
• Secure servers
• Access controls
• Monitoring systems
• Restricted data access policies

No system is fully secure, but we take reasonable steps to protect user data.

8. Cookies

We use cookies and similar technologies to:

• Maintain sessions
• Improve performance
• Analyze usage
• Enhance user experience

Users may disable cookies in browser settings, though some features may be affected.

9. User Rights

Users may request:

• Access to their data
• Correction of inaccurate data
• Deletion of personal data (where applicable)
• Restriction of processing
• Withdrawal of consent

Requests can be sent to info@abhcc.org.

10. International Transfers

Data may be processed in different jurisdictions through service providers. We ensure reasonable safeguards to protect transferred data.

11. Children's Privacy

Our services are not intended for individuals below the legal age of consent. We do not knowingly collect data from minors without authorization.

12. Data Breach Handling

In case of a security incident, we will:

• Investigate and contain the issue
• Assess impact
• Notify affected users where required
• Report to authorities if legally necessary

13. Third-Party Services

We may use third-party services. We are not responsible for their independent privacy practices.

14. Updates to Policy

We may update this Privacy Policy periodically. Continued use of services indicates acceptance of changes.