Privacy

Effective Date:

1. Introduction

CYBER IDEAS LIMITED, operating the website thewalletwatcher.com (“we,” “us,” or “our”), values and protects your privacy. By using our site or services, you consent to the collection, transfer, storage, and use of your information as described in this Privacy Policy.

2. Company Information

CYBER IDEAS LIMITED
Unit 1010, 10/F, Miramar Tower
132 Nathan Road, Tsim Sha Tsui, Kowloon
Contact Form: Contact us via email.

3. Information We Collect

We collect personally identifiable information (“PII”) you provide to us through the Site to deliver products and services. Examples include:

Name, address, telephone number, and email address
Date of birth, gender, and marital status
Information about your vehicles, drivers, and existing insurance coverage
Credit-related information, when required for accurate quotes

Providing this information is voluntary, but necessary to receive certain services or responses.

4. Legal Basis and Purpose of Data Collection

Service Delivery: To provide quotes, products, or information you request.
Customer Support: To verify information and respond to your requests.
Marketing & Communication: To send you promotional materials (subject to opt-out rights).
Analytics: To improve site functionality and user experience.
Legal Compliance: To enforce policies and comply with applicable laws.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance functionality, analyze traffic, and improve services. Cookies do not collect personally identifiable information unless you voluntarily provide it.

You may disable cookies through your browser settings, though this may impact site functionality. We do not permit unauthorized third-party tracking technologies such as web beacons, pixels, or LSOs.

6. Remarketing and Personalization

If we use remarketing technologies (e.g., Microsoft Advertising UET tags):

We disclose such use in this Privacy Policy.
Data is used only for advertising optimization and not shared or sold.
No data on users under 18 or in sensitive categories (health, religion, politics, etc.) will be used.

You can opt out of interest-based advertising via:

7. Use and Disclosure of Information

We may share your information in limited cases, including:

With service providers operating under confidentiality agreements
With third-party partners (e.g., insurance or mortgage providers) to fulfill your requests
As required by law or court order
To protect our rights, prevent fraud, or enforce terms
With affiliated companies under common ownership

We do not sell or rent your personal data to unaffiliated third parties for profit.

8. Security and Data Integrity

We use industry-standard security measures, including SSL/HTTPS encryption, to protect your data. However, no online transmission is completely secure, and we cannot guarantee absolute protection.

9. Compliance with Trade and Export Laws

Both you and CYBER IDEAS LIMITED agree to comply with applicable trade and export laws, including U.S. Export Administration Regulations, International Traffic in Arms Regulations, and OFAC sanctions. You must not engage in actions that cause us to violate these laws.

Learn more at Microsoft Export Compliance.

10. Binding Arbitration and Class Action Waiver (U.S. Users)

If your principal place of business or residence is in the United States, any dispute arising under this Privacy Policy will be resolved through binding arbitration under the rules of the American Arbitration Association. You and CYBER IDEAS LIMITED waive the right to a class action or class-wide arbitration.

11. Children’s Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal data from minors. If we learn of such collection, we will delete the information promptly. We comply with COPPA, CARU, and all applicable children’s privacy laws.

12. Your Rights and Opt-Out Options

You may:

Access, correct, or request deletion of your personal data
Opt out of marketing or behavioral advertising
Withdraw consent for processing (where applicable)

To exercise these rights, please contact us via email with the subject “Privacy Request.”

13. Third-Party Links and Advertisements

This Privacy Policy applies only to thewalletwatcher.com. We are not responsible for third-party websites linked from our site. Please review their privacy policies before submitting personal data.

14. Changes to This Policy

We may update this Privacy Policy periodically. Material updates will be posted here and, if appropriate, notified by email or on-site notice. Continued use of our site constitutes acceptance of any changes.

15. Contact Us

If you have questions or concerns about our privacy practices, contact us at:

CYBER IDEAS LIMITED
Unit 1010, 10/F, Miramar Tower
132 Nathan Road, Tsim Sha Tsui, Kowloon
Contact Form: Contact us via email.