Last updated: September 24, 2018
Please take a moment to familiarize yourself with the Policy before using our Services. Feel free to email us to help@Apsel.com if you have any questions.
By accessing or using our Services, you agree to this Policy and to our Terms of Service. If you do not agree to this Policy or Terms of Service, please do not access or otherwise use our Services or any information contained herein.
IF YOU ARE UNDER 18 YEARS OF AGE, THEN PLEASE DO NOT USE OR ACCESS THE SERVICES AT ANY TIME OR IN ANY MANNER.
Protecting the privacy of young children is especially important. For that reason, we do not knowingly collect or maintain Personal Information from persons under 18 years-of-age. If we learn that Personal Information of persons under 18-years-of-age has been collected on or through the Services, we will take the appropriate steps to delete this information.
If it comes to our attention through reliable means that a registered user is a child under 18 years of age, we will cancel that user's account and/or access to the Services.
Keeping your information private and secure is incredibly important to us. These pages explain what we collect and why we collect it.
Please note: we only collect what we need and we only share when it’s necessary to help you out.
|Personal info we collect||Why we collect it?|
|Your name, address, and date of birth||We need this for our legal records and to ensure that you are of legal age to contract the services.|
|Your email address||This is part of the account creation process. It’s also the way that we will contact you with policy, service, claims, availability in your region, and news-related communications.|
|Your payment information||This is needed to process your payment. Since we use a third-party payment processor, we have only limited information about your payment transactions.|
|Facebook or other social account||This may be your preferred method for account creation. You may also use social connection as a way to ease the creation of a Apsel community or to invite others to Apsel.|
|Contact/Address book||You may use your contact list to ease the creation of a Apsel community or to invite others to Apsel.|
|App and device usage statistics||We may collect data from your smartphone. We aggregate and anonymize this data to look for statistical patterns that can help us give you, and all our users, more precise rates and coverage, as well as to improve overall performance and experience.|
|Your phone number||We need this in order to contact you. We may share your phone number with our service providers who need to coordinate with you.|
When you use the services through the App on a device, we will collect and use information about you in generally similar ways and for similar purposes as when you use the Apsel website. In addition, we may collect information about your location. We may use the location information collected from your device to enhance your use of the Apsel services by providing you with relevant content and contextual advertising. Though we may identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.
We will not share or sell your information for marketing purposes. We will share certain personal information with our partners and providers in order run our service and to resolve an incident. We may also share non-personally identifiable information in order to improve our modeling and perform aggregate reporting, including by use of Google Analytics and other related services provided by Google (for more information on how Google Analytics collects and processes data visit: https://policies.google.com/privacy/partners).
We restrict access to your information to our employees and others who we feel must use it to provide our products and services. We also maintain electronic and procedural safeguards to protect your information.
We primarily message our customers through email and the Apsel App. Certain email communication related to your account and claims must be delivered and do not include an unsubscribe option. Please ensure that the email we have on record is accurate. You can manage app notifications through your device settings.
Our products and services are intended for anyone 18 years of age and old; we do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.
We reserve the right to discontinue or modify any aspect of the Services at any time. This Policy, together with our Terms of Service and any other legal notices published by us on our website and in the App, shall constitute the entire agreement between us concerning the Services. If any provision of this Policy is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Policy, which shall remain in full force and effect, provided, however, that in such event this Policy shall be interpreted so as to give effect, to the greatest extent consistent with, and permitted by, applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction.
This Policy shall be governed by the laws of the State of New York, without respect to its conflict of laws principles. We each agree to submit to the personal and exclusive jurisdiction of the courts located in the State where the policy was issued, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.