Privacy Policy
Last Updated: October 24, 2025
1. Introduction
PolicyEase 保單易 ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Progressive Web Application (PWA) for insurance policy analysis.
2. Information We Collect
2.1 Information You Provide
- Email Address: Collected via Stripe Checkout when you purchase paid features.
- Policy Data: Insurance policy details you enter (premiums, payout amounts, breakeven years) are stored locally on your device and not transmitted to our servers.
- Payment Information: We do not collect or store your credit card details. All payment processing is handled securely by Stripe.
2.2 Automatically Collected Information
- Device Information: Browser type, operating system, device type (for PWA optimization).
- Usage Data: Pages visited, features used, time spent on app (via Vercel analytics).
- Cookies: We use only essential cookies for Stripe payment sessions. No tracking cookies are used.
3. How We Use Your Information
We use collected information for:
- Service Delivery: Processing payments, unlocking purchased features, syncing across devices.
- Communication: Sending payment receipts, responding to support requests.
- Improvement: Analyzing usage patterns to improve app functionality (anonymized data only).
- Legal Compliance: Complying with Hong Kong data protection laws and financial regulations.
4. Data Storage and Security
4.1 Local Storage
Policy data (premiums, payouts, IRR calculations) is stored in your browser's localStorage. This data never leaves your device unless you explicitly export a PDF.
4.2 Server Storage (Vercel KV)
We store the following on Vercel's servers:
- Your email address (from Stripe)
- Stripe customer ID
- Purchased feature unlocks (e.g., "comparison3", "comparisonUnlimited")
- Purchase date and session ID
This data is encrypted at rest and in transit using industry-standard TLS 1.3.
4.3 Stripe
Payment data is processed by Stripe (PCI-DSS Level 1 certified). See Stripe's Privacy Policy.
5. Data Sharing and Disclosure
We do NOT sell, rent, or share your personal data with third parties except:
- Stripe: For payment processing.
- Vercel: For hosting and serverless functions.
- Legal Obligations: If required by law (e.g., court order, Hong Kong Insurance Authority inquiry).
6. Your Rights (PDPO Compliance)
Under Hong Kong's Personal Data (Privacy) Ordinance, you have the right to:
- Access: Request a copy of your data (email us at aquamind_advisory@outlook.com).
- Correction: Update incorrect information.
- Erasure: Delete your account and all associated data.
- Data Portability: Export your policy data in JSON format (via browser DevTools).
To exercise these rights, contact us at: aquamind_advisory@outlook.com
7. Data Retention
- Policy Data: Stored locally until you clear browser data.
- Purchase Records: Retained for 7 years (Hong Kong tax law requirement).
- Email/Customer ID: Retained indefinitely to maintain feature unlocks unless you request deletion.
8. Children's Privacy
PolicyEase 保單易 is not intended for users under 18. We do not knowingly collect data from minors. If you believe we have inadvertently collected such data, contact us immediately.
9. International Users
This app is designed for Hong Kong users. If you access from outside Hong Kong, your data may be transferred to servers in the US (Vercel) or EU (Stripe). By using the app, you consent to this transfer.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the app after changes constitutes acceptance.
11. Contact Us
For privacy concerns, data requests, or questions:
Email: aquamind_advisory@outlook.com
隱私政策 (繁體中文摘要)
我們收集您的電郵地址（透過Stripe）及保單數據（本地儲存）。我們不會出售您的資料。您有權查閱、更正或刪除資料。如有疑問，請聯絡 aquamind_advisory@outlook.com。
隐私政策 (简体中文摘要)
我们收集您的电邮地址（透过Stripe）及保单数据（本地储存）。我们不会出售您的资料。您有权查阅、更正或删除资料。如有疑问，请联络 aquamind_advisory@outlook.com。