battleface

IMPORTANT NOTICE: Travel insurance policies purchased after 12:00PM (midday) AEST on 18 June 2025 will not cover losses arising from the eruption of Indonesia’s Mount Lewotobi Laki Laki, as it is now widely reported. However, policies purchased before this date may still offer coverage, subject to the terms of the policy.
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Privacy Policy

Effective Date: August 28th, 2025

battleface Inc, an Ohio Corporation, including subsidiaries, battleface Insurance Services LLC, battleface Insurance Services LTD UK, battleface Underwriting Services SRL and battleface Insurance Services SRL, battleface Insurance Services PTY LTD Australia and battleface Insurance Services Limited Canada (“we,” “our,” “us”) values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you interact with us through our websites, mobile applications, or other services (“Services”).

This Privacy Policy applies to all battleface users worldwide, including residents of the UK, EU, US, Australia, Canada and other international jurisdictions.

Changes to This Policy

We may update this policy periodically. Changes will be effective upon posting to our website with the updated “Effective Date.” Continued use of our services after updates indicates acceptance.

What Information We Collect

We collect personal information directly from you, automatically through your use of our services, and from third-parties.

Categories of Personal Information

  • Identity Data: Name, date of birth, gender.
  • Contact Data: Address, email, phone number.
  • Policy and Claims Data: Insurance details, claims history.
  • Financial Data: Payment card or bank account information.
  • Technical Data: IP address, device ID, browser type, geolocation.
  • Usage Data: Interactions with our websites and services.
  • Marketing Preferences: Communication preferences.
  • Sensitive Personal Information (SPI): Health details, biometric data, or other information required for specific services.

Sources of Information

  • Directly from you: Applications, claims, surveys, and feedback.
  • Automatically collected: Through cookies, pixels, and other tracking technologies.
  • Third-parties: Insurance brokers, claims adjusters, analytics providers, public records.

How We Use Your Information

We process your information for the following purposes:

  1. Providing Services: Issuing policies, processing claims, and managing accounts.
  2. Marketing: Sending promotional offers with your explicit consent.
  3. Compliance: Meeting legal and regulatory obligations, including fraud prevention.
  4. Improvement: Enhancing website functionality and user experience.
  5. Security: Safeguarding data and preventing unauthorized access.

Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience.

Types of Cookies

  • Essential Cookies: Necessary for website functionality.
  • Preference Cookies: Save your preferences for a tailored experience.
  • Analytics Cookies: Collect usage data to improve our services.
  • Advertising Cookies: Deliver targeted ads.

You can manage cookies through your browser settings. For more details, please see the regional Cookie Policy on our website.

Data Protection Laws

US Residents: In the United States, data privacy rights are primarily based on industry-specific legislation rather than a general data protection framework.

  • California Residents: Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents may:
    • Request access to personal information.
    • Opt-out of data sales or sharing.
    • Request deletion of personal data.
    • To exercise these rights, click Do Not Sell My Personal Information or contact us directly.
  • Residents of Other States
    • Residents of Colorado, Connecticut, Utah, and Virginia may also exercise similar rights. Contact us for specific details.
  • Children’s Privacy

In the US we comply with the Children’s Online Privacy Protection Act (COPPA) and do not knowingly collect data from children under thirteen without parental consent. For insurance applications involving minors, a parent or guardian must complete the process.

UK/EU Residents: battleface operates in compliance with the following data protection laws:

  • The UK General Data Protection Regulation (GDPR) and the UK Data Protection Act 2018.
  • The EU General Data Protection Regulation (GDPR) if you are within the European Economic Area (EEA).
  • As per these regulations, battleface as the data controller, ensures that your personal data is processed lawfully, transparently, and for specified purposes.

Your Rights under the UK/EU GDPR:
You have the right to:

  • Request access to your personal data.
  • Request correction or deletion of your personal data.
  • Object to processing.
  • Request restriction of processing.
  • Exercise the right to data portability.

Australian Residents: battleface complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) that govern the collection, use, and disclosure of personal data.

Your Rights under Australian Law (APPs): As an Australian resident, you have the right to:

  • Access the personal data we hold about you.
  • Request correction of your personal data if it is incorrect or outdated.
  • Request deletion of your personal data, subject to legal or contractual restrictions.
  • Complain to the Office of the Australian Information Commissioner (OAIC) if you believe that we have not handled your personal data in accordance with the APPs

Canadian Residents:  battleface complies with the Personal Information Protections and Electronic Documents Act (PIPEDA), which protects personal information in the private sector.

  • PIPEDA applies to private sector organizations that collect, use, and disclose personal information in the course of commercial activities. It sets out the rules for how organizations must handle personal data, ensuring individuals have rights regarding their information, including access and correction rights.
  • PIPEDA is enforced by the Office of the Privacy Commissioner of Canada, which investigates complaints and ensures compliance with the law.
  • In addition to federal laws, each province and territory in Canada has its own privacy legislation that may apply to the handling of personal information in the private sector. The following provinces have Privacy Laws that apply instead of PIPEDA:
    • British Columbia Personal Information Protection Act (PIPA)
    • Alberta’s Personal Information Protection Act
    • Quebec Privacy Law

Specific Data Collection Practices

  • For US Residents: We may collect health-related information if required for claims.  The processing of health information is primarily governed by state and federal regulations such as HIPAA.
  • For UK/EU Residents: We may collect Special Categories of Personal Data including health-related information, criminal convictions, or other sensitive personal data, in accordance with the UK GDPR or EU GDPR. This data will only be processed when absolutely necessary for the provision of services, and we will always seek explicit consent or rely on another lawful basis for processing.
  • For Australian Residents: battleface may collect Sensitive Data as defined under the Privacy Act 1988, such as health information. This sensitive data will be processed in accordance with the APPs, and explicit consent will be obtained where necessary. If you do not wish to provide sensitive data, we may not be able to provide some services (such as medical assistance or claims processing).

Marketing Communications

  • For US Residents: Under the CAN-SPAM Act, battleface will send marketing emails with your consent, and you may opt out at any time by clicking the unsubscribe link included in all marketing communications.
  • For UK/EU Residents: battleface will send marketing communications only with your explicit consent. You can opt out marketing emails at any time by contacting us directly.
  • For Australian Residents: battleface will send marketing communications with your consent, in compliance with the Spam Act 2003 (Cth). You can opt out of receiving marketing emails at any time by following the unsubscribe instructions included in the emails.
  • For Canadian Residents: with your consent battleface will send marketing communicatons to you, in compliance with Canada’s Anti-Spam Legislation (CASL).    You will be informed at the time of consent how your address will be used and how you may opt out of marketing emails at any time by following unsubscribe mechanisms included on the emails.

Sharing Your Information

We share personal information only as necessary:

  1. With Service Providers: For claims processing, IT support, and payment services.
  2. With Third-Party Marketers: Only with your explicit consent.
  3. For Legal Compliance: To meet regulatory obligations or protect our rights.
  4. During Corporate Transactions: In mergers, acquisitions, or sales of assets.

We do not sell your personal information for independent third-party marketing.

International Transfers of Data

  • For US Residents: Personal data may be transferred to countries outside the United States, including to the EU. battleface ensures compliance with relevant US data privacy laws and frameworks.
  • For UK/EU Residents: Personal data may be transferred to countries outside the EEA, such as the US or Canada. battleface ensures that such transfers comply with the applicable data protection laws by utilizing mechanisms such as Standard Contractual Clauses (SCCs) or other approved transfer mechanisms.
  • For Australian Residents: Personal data may be transferred internationally, including to the US or the EU. battleface will ensure that such transfers comply with Australian privacy law by using approved contractual mechanisms or relying on specific exemptions under the Privacy Act 1988.
  • For Canadian Residents: Personal data may be transferred internationally to organizations in other jurisdictions for processing. battleface will ensure such transfers comply with established rules under the Personal Information Protection and Electronic Document Act (PIPEDA).  

Security and Retention of Personal Data

We implement technical and organizational measures to safeguard your data. While no system is completely secure, we take reasonable steps to protect your information.

We retain personal data only as long as necessary to fulfill its purpose, comply with legal obligations, or resolve disputes.

  • For US Residents: Personal data retention is determined based on applicable US laws, such as state-specific data retention regulations, which may vary depending on the industry and jurisdiction.
  • For UK/EU Residents: Personal data will be kept for no longer than necessary for the purposes it was collected for, as required under the UK and EU GDPR. Data retention periods are determined based on legal, regulatory, and contractual obligations.
  • For Australian Residents: Personal data will be retained in accordance with the Australian Privacy Principles (APPs). We will retain your personal data only as long as necessary for the purposes for which it was collected, or as required by law.
  • For Canadian Residents: Personal data will be retained in accordance with PIPEDA Fair Information Principle 5.  Unless you consent otherwise, your personal information will be kept only as long as necessary for the purposes for which it was collected, or as required by law.

Your Privacy Rights

Depending on your location, you may have the following rights:

  1. Access: Request a copy of your personal information.
  2. Correction: Update inaccurate or incomplete information.
  3. Deletion: Request the deletion of certain data, subject to legal exceptions.
  4. Opt-Out: Decline marketing communications or data sharing for non-essential purposes.
  5. Data Portability: Receive your data in a structured format.
  6. Restrict Processing: Limit specific uses of your data.

Exercising Your Rights

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us by emailing us at [email protected] or writing to us. Please include your name, contact details, and specific request for verification purposes.

Contact Information:

US
battleface Inc. battleface Insurance Services LLC and Robin Assist LLC
Attn: Data Protection Officer
800 N. High Street
Columbus, OH 43215

UK Address:
battleface Insurance Servicer LTD
Attention: Data Protection Officer
Suite 102, 80 Churchill Square, Kings Hill
West Maling, Kent, ME19 4YU United Kingdom

EU Address:
battleface Underwriting Services SRL
Attention: Data Protection Officer
Avenue des Arts 6, 1210 Brussels Belgium

Australian/New Zealand Address
battleface Insurance Services PTY LTD
Attention: Privacy Officer
L11, 66 Clarence Street
Sydney, NSW 2000 Australia

Canada
Attention: Data Protection Officer
battleface Insurance Services Limited
199 Bay Street, Suite 4000
Toronto Ontario, Canada MSL 1A9

If you have questions or need assistance, contact us:

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FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.