At exjewel, accessible from http://www.exjewel.com, one of our main priorities is the privacy of our visitors.

We value your business and your trust in ExJewel SAS ( “ExJewel” or “we” or “us”).  The privacy and confidentiality of your personal information is among our top priorities.  This Privacy Policy explains our practices and procedures for securing your personal information before, during and after your relationship with us.  This Privacy Policy is incorporated into and is subject to the Terms of Use governing use of our website. If you have questions or complaints regarding our Privacy Policy or practices, please contact us at info@exjewel.com. Thank you for choosing ExJewel for your insurance needs.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

What Information We Collect And How Do We Obtain It?

ExJewel collects a variety of information that will aid us in quoting and servicing your appraisal. This information includes “nonpublic personal information”, which is all information that identifies you and is not available to the public. We collect this information through your application information, your communications with us, your transactions, your ExJewel jewelry appraisal, and your use of our services.

Here are some examples of the information we collect:

  • Appraisals: Through the Inventory Management web app, we gather information such as your name, your address, your telephone number, email and other need information.
  • Through ExJewel appraisals, we gather your appraisal values as well as other information you may provide in connection with your appraisal.
  • Transactions: Through your transactions with us, we gather information such as appraisal coverage, payments and claims history, and payment instrument information.
  • Website Usage: Like most online services, when you use our websites, we may automatically collect certain information about your visit such as the website and/or search criteria that led you to our websites, your internet protocol address (“IP Address”), your mobile device identifier (such as your UDID or equivalent), or other device address or ID, device type, operating system, browser information, and what pages you visit on the websites, the web pages or sites that you visit just before or just after our websites. We do not link this automatically-collected data to personally identifiable information.
  • Consumer Reporting Agencies: Through consumer reporting agencies, we gather information such as prior personal insurance claims history and insurance credit score, as well as other information to assist in our quoting and underwriting process.
  • Cookies: When you use our websites, we may send one or more cookies– small text files containing a string of alphanumeric characters– to your computer. ExJewel may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to our websites. Persistent cookies can be removed. Please review your web browser “Help” file to learn the proper way to modify your cookie settings. Please note that if you delete, or choose not to accept, cookies from our websites, you may not be able to utilise the features of our websites to their fullest potential.
  • Tracking Technologies: The use of tracking technologies by our service providers, technology partners or other 3rd party assets on the site is not covered by our Privacy Policy. These 3rd parties may use cookies, clear gifs, images, and scripts to help them better manage their content on our site. We do not have access or control over these technologies.

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.

What Personal Information We Disclose About You

We do not generally disclose any of our customers’ or other persons’ nonpublic personal information to anyone, except as permitted or required by law. There are however some circumstances in which we disclose your information to third parties in connection with developing, providing, and maintaining our services and operating our business. Such disclosures include:

  • We may disclose your information to insurance companies, claims representatives, consumer reporting agencies, insurance agents, law enforcement agencies, courts and government agencies. These parties may disclose information to other parties as permitted by law. For example: a consumer reporting agency may disclose transaction information received from us to other insurance companies with which you do business.
  • ExJewel works with third party service providers in Europe and other jurisdictions to provide website development, hosting, maintenance, transcription, and support as well as other business services for us. To the extent it is necessary for these service providers to complete their work, these third parties may have access to or process your personally identifiable information. These disclosures are generally made under terms comparable to this policy, and the recipients are limited to using the information the purpose for which it was provided.
  • ExJewel may disclose automatically collected and other aggregate non-personally-identifiable information with interested third parties, to assist such parties in understanding the usage, viewing, and demographic patterns for certain programs, content, services, advertisements, promotions, and/or our websites’ functionality.
  • ExJewel may also disclose your information if required to do so by law or where ExJewel determines that such action is necessary or useful to comply with applicable laws, to respond to a court order, judicial or other government subpoena or warrant, or to otherwise support or cooperate with judicial or law enforcement activity.
  • ExJewel works to promote a safe and reliable service for all users. We reserve the right to disclose your information that we believe is reasonable, appropriate, or necessary to take precautions against liability; to protect ExJewel and others from fraudulent, abusive, predatory, or unlawful uses or activity; to investigate and defend ourselves against any third party claims or allegations; to assist government enforcement agencies; to protect the security or integrity of our websites; or to protect or vindicate the rights, property, or personal safety of ExJewel, our users, or others.
  • ExJewel may share nonpublic personal information that you provide to us with third party companies with whom ExJewel has business relationships for marketing purposes.

In addition, in the event that all or a portion of ExJewel or our assets are acquired by or merged with a third party entity, we reserve the right to transfer, as part of that transaction, the information that we have collected from users, including personal information and user data.  The acquirer of such information will be required to assume the responsibilities set forth in this Privacy Policy as the privacy policy governing the acquired information, but will have the right to subsequently modify its privacy policy on a prospective basis as described under the heading “Changes And Updates To This Privacy Policy” below.

How Do We Protect Your Information?

ExJewel is committed to protecting your information from unauthorised access and disclosure. We have certain physical, electronic, and procedural safeguards in place that are designed to help protect the security and integrity of your information. Nevertheless, no physical, procedural, or technical system is 100% secure or immune from design flaws, outages, losses, attacks, or from human error. Therefore, we cannot ensure or warrant that information you transmit to ExJewel will not be lost or compromised. To reduce the risk that your account may be compromised, we recommend, as applicable, the use of passwords greater than eight characters, and that include letters, numbers, and special characters, and that you regularly change your password to one that you have not used within the last year. If you have any questions about security on our web site, you can contact us at info@exjewel.com.

Links to Third Parties

Our websites may include links to other websites whose privacy practices may differ from those of ExJewel. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any web site you visit. Our websites may, now or in the future, include social media features, such as the Facebook Like button and widgets, such as the Share this button or other interactive mini-programs that run on our websites. These features may collect your IP address, which page you are visiting on our websites, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our websites. Your interactions with these features are governed by the privacy policy of the company providing it.

Changes And Updates To This Privacy Policy

Please revisit this page periodically to stay aware of any changes to this Privacy Policy, which may be revised on a prospective basis from time to time at ExJewel’s sole discretion. If we modify this Privacy Policy, we will make it available through our websites. Your continued use of our websites and our services after our revised Privacy Policy has become effective indicates that you have read, understood and agreed to the current version of the Privacy Policy.

CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

Request that a business that collects a consumer’s personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.

Request that a business delete any personal data about the consumer that a business has collected.

Request that a business that sells a consumer’s personal data, not sell the consumer’s personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organisation, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Children’s Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

ExJewel does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.