This privacy policy applies to the Sigal Kosova app (hereby referred to as "Application") for mobile devices that was created by SIGAL Insurance Group Sh.A SH.A., Kosovo (hereby referred to as "Service Provider") as a Free service. This service is intended for use "AS IS".
The Application collects information when you download and use it. This information may include information such as
For a better experience, while using the Application, the Service Provider may require you to provide us with certain personally identifiable information, including but not limited to Email, phone number. The information that the Service Provider request will be retained by them and used as described in this privacy policy.
The Application requires access to your device's camera and photo library to capture or upload photos of identification documents (ID, Passport, Driver's License), medical invoices, hospital receipts, damage evidence, and other documents needed for policy purchases and claims submission. You can manage these permissions in your device settings, though denying access may limit certain features.
Please note that the Application utilizes third-party services that have their own Privacy Policy about handling data. Below are the links to the Privacy Policy of the third-party service providers used by the Application:
The Service Provider may disclose User Provided and Automatically Collected Information:
The Application uses Raiffeisen Bank as a third-party payment processor. When you make payments through the Application, you will be directed to Raiffeisen's secure payment page. Any payment information you provide is subject to Raiffeisen's Privacy Policy. Payment card details are not persisted by the mobile application.
The Service Provider will retain User Provided data for as long as you use the Application and for a reasonable time thereafter. If you'd like them to delete User Provided Data that you have provided via the Application, please contact them at personaldata@sigal-ks.com and they will respond in a reasonable time.
You have the right to:
The Service Provider does not use the Application to knowingly solicit data from or market to children under the age of 13. The Application does not address anyone under the age of 13. The Service Provider does not knowingly collect personally identifiable information from children under 13 years of age. In the case the Service Provider discovers that a child under 13 has provided personal information, the Service Provider will immediately delete this from their servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact the Service Provider personaldata@sigal-ks.comso that they will be able to take the necessary actions.
The Service Provider is concerned about safeguarding the confidentiality of your information. The Service Provider provides physical, electronic, and procedural safeguards to protect information the Service Provider processes and maintains.
This Privacy Policy may be updated from time to time for any reason. The Service Provider will notify you of any changes to the Privacy Policy by updating this page with the new Privacy Policy. You are advised to consult this Privacy Policy regularly for any changes, as continued use is deemed approval of all changes.
This Privacy Policy is effective as of 2025-12-10.
By using the Application, you are consenting to the processing of your information as set forth in this Privacy Policy now and as amended by us.
If you have any questions regarding privacy while using the Application, or have questions about the practices, please contact the Service Provider via email at personaldata@sigal-ks.com.