1. Introduction
Detour Travel Protection, Inc. (“Detour,” “Company,” “we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information obtained through our website, detourinsurance.com (the “Website”), and in connection with our travel protection and insurance-related services (collectively, the “Services”).
This Privacy Policy applies to individuals located in the United States and is intended to comply with applicable U.S. federal and state privacy and insurance laws.
2. Information We Collect
We may collect personal information directly from you or from authorized third parties, including:
- Name
- Email address
- Phone number
- Billing address
- Payment and transaction information
- Policy and claims-related information
- Travel details
- Website usage data (such as IP address, browser type, and device information)
- Any other information you voluntarily provide
We collect only the information reasonably necessary to provide our Services, administer policies, process claims, prevent fraud, comply with legal obligations, and operate our business.
3. How We Use Information
We use personal information to:
- Provide, administer, and service insurance and travel protection products
- Process transactions and claims
- Communicate with you regarding policies, claims, and customer support
- Prevent fraud and maintain security
- Improve our Website and Services
- Comply with legal, regulatory, and contractual obligations
If you do not provide required information, certain Services may not be available.
4. Payment Processing
Payment information is processed by third-party payment processors. Detour does not store full credit card numbers on its servers. Payment processors are required by contract to safeguard your information.
5. Sharing of Information
We may share personal information with:
- Insurance underwriters and protection partners for policy issuance, administration, and claims processing
- Service providers who perform services on our behalf (such as payment processing, IT support, and analytics)
- Government authorities or regulators when required by law
We do not sell or rent personal information.
6. Children’s Privacy
Our Website and Services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe such information has been provided, please contact us at privacy@detourinsurance.com.
7. Cookies and Automated Data
We may use cookies and similar technologies to operate the Website, analyze usage, and improve functionality. You may adjust your browser settings to limit cookies, though some features may not function properly.
8. Data Security
We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, or disclosure. In the event of a data breach, we will provide notice as required by applicable law.
9. Data Retention
We retain personal information only for as long as reasonably necessary to fulfill business, legal, regulatory, and contractual obligations, including requirements imposed by insurance underwriters and regulators.
10. Your Rights
Depending on applicable law, you may have the right to:
- Request access to your personal information
- Request correction or deletion of certain personal information
- Opt out of certain communications
Requests may be submitted to privacy@detourinsurance.com. We may verify your identity before processing requests.
11. International Use
Our Services are intended for use in the United States. If you access the Website from outside the U.S., your information may be transferred to and processed in the United States, where privacy laws may differ. We do not intentionally target or market Services outside the United States.
12. Compliance With Privacy Laws
We comply with applicable U.S. federal and state privacy and insurance laws. This Privacy Policy is not intended to create rights beyond those provided by applicable law. The Company does not offer Services to individuals located in the European Union or European Economic Area, and the General Data Protection Regulation (GDPR) is not intended to apply.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Updates will be reflected by the “Last Updated” date above. Your continued use of the Website or Services after changes are posted constitutes acceptance of the revised Privacy Policy.
14. Contact Us
If you have questions or requests regarding this Privacy Policy or your personal information, please contact:
Detour Travel Protection, Inc.
Email: privacy@detourinsurance.com
