Privacy Policy

Activar Insurtech SAS (CUIT 30-71678699-0) is a company organized under the laws of the Argentine Republic with its registered address at Av. Ricardo Balbín 3251, Ciudad Autónoma de Buenos Aires. Quore is the product Activar operates: a B2B platform that insurers, brokers and other distributors (our "Customers" or "tenants") use to design, quote, issue and distribute insurance products.

You can contact us about privacy matters at hola@activar.app.

Our role depends on whose data it is:

• Data of our Customers' clients (applicants, policyholders, insured persons and beneficiaries). Each Customer is the data controller: it decides which data to collect, for what purpose and under which legal basis. Activar acts as data processor and processes that data only on the Customer's instructions to provide the Service.
• Data of our own Customers' account users and business contacts, and of visitors to our website. Activar is the data controller.

If you are a client of an insurer or broker that uses Quore, please contact that company to exercise your rights; its privacy notice governs the use of your data. If you contact us, we will forward your request to the corresponding Customer.

As controller, we process:

• account data: name, work email, phone, company, role and credentials of the users who access the Service;
• billing data: company name, tax identification, billing address and payment details handled by our payment providers;
• usage and technical data: IP address, browser, device, access logs and activity within the Service, used for security and support;
• communications: messages you send us, demo requests and support conversations.

As processor, on behalf of each Customer, we process the data that Customer configures in its products, which may include identification and contact data, date of birth, data about the insured risk (such as vehicles or property), policy and payment information, and attachments uploaded by its clients.

We use the data we control to provide and secure the Service, manage accounts and subscriptions, bill and collect fees, provide support, communicate changes to the Service, improve the product and comply with legal obligations. We process it based on the contract with the Customer, the consent of the data subject when required, and our legal obligations.

We use Customer Data exclusively to provide the Service to that Customer. We do not sell personal data or use our Customers' client data for our own marketing.

Quore never stores full card numbers. We keep only the last four digits, the card brand and the cardholder name, to identify the payment method. The card security code (CVV) is never stored. Full card data is entered into and processed by the payment providers (such as Stripe, Mercado Pago or Rebill), which are responsible for handling it under their own security standards (PCI DSS).

We rely on trusted providers that process personal data on our behalf, under contracts that require confidentiality and adequate security:

• Amazon Web Services (AWS): cloud hosting, databases and file storage;
• Stripe, Mercado Pago and Rebill: payment processing and subscription billing;
• Resend: delivery of transactional email.

We may update this list as the Service evolves. We do not share personal data with third parties for their own purposes, except when required by law or by a competent authority.

Some of our providers store or process data outside Argentina, including in the United States. When we transfer personal data to countries that the AAIP does not consider to provide an adequate level of protection, we do so in accordance with Section 12 of Law 25,326 and its regulations, using contractual safeguards such as the model clauses approved by the AAIP, or relying on another legal basis permitted by law.

We apply technical and organizational measures appropriate to the risk, including encryption in transit (TLS), logical isolation of each tenant's data, role-based access controls, scoped API keys, logging of relevant activity, backups and restricted access for our staff on a need-to-know basis. No system is completely secure; if we become aware of a security incident affecting personal data, we will notify the affected Customers without undue delay and cooperate with them.

We keep account and billing data while the account is active and afterwards for the periods required by tax, accounting and legal obligations, or to exercise or defend legal claims. Customer Data is kept for the duration of the subscription, then made available for export for thirty (30) days and later deleted or anonymized, unless the Customer instructs otherwise or the law requires us to keep it. Security logs are kept for limited periods.

Under Law 25,326 you have the right to access, rectify, update and delete your personal data, and to object to its processing in the cases provided by law. To exercise these rights over data we control, write to hola@activar.app from the email associated with your account or with proof of identity. We will answer access requests within ten (10) calendar days and rectification, update or deletion requests within five (5) business days, as provided by the law.

THE DATA SUBJECT HAS THE RIGHT TO ACCESS THEIR PERSONAL DATA FREE OF CHARGE AT INTERVALS OF NO LESS THAN SIX MONTHS, UNLESS A LEGITIMATE INTEREST IS SHOWN, AS PROVIDED IN SECTION 14, SUBSECTION 3 OF LAW No. 25,326. THE AGENCIA DE ACCESO A LA INFORMACIÓN PÚBLICA (AAIP), AS THE CONTROL AUTHORITY OF LAW No. 25,326, HAS THE POWER TO HANDLE THE COMPLAINTS AND CLAIMS FILED BY THOSE WHOSE RIGHTS ARE AFFECTED BY NON-COMPLIANCE WITH THE RULES IN FORCE ON PERSONAL DATA PROTECTION.

Our website and the Service use cookies and similar technologies that are necessary to operate them, for example to keep your session open, remember your language preference and protect against abuse. If we use analytics or marketing cookies, we will inform you and, where required, ask for your consent. You can block or delete cookies from your browser settings, although some features may stop working.

The Service is intended for businesses and is not directed at minors. Customers that collect data of minors through their insurance products are responsible for obtaining the authorizations required by law.

We may update this Privacy Policy. We will publish the new version on this page with its update date and, for material changes, notify account administrators in advance.

For any question or request about this policy or your personal data, write to hola@activar.app.