Privacy Policy

www.innoveo.com

Effective date: 1st September 2018

Here at Innoveo we take personal privacy very seriously. As a general rule Innoveo does not collect your personal information unless you chose to provide that information to us. When you choose to provide us with your personal information, you are giving Innoveo your permission to
use that information for the stated purposes you are enlisting. If you choose not to provide us with that information, it might limit the features and services that you can use on this website.

Generally, the information requested by Innoveo will be used to provide a website feature or service to you, such as commenting, support, or providing future content better tailored to your interests. A description of Innoveo’s intended use of that information, how that information is
collected, security measures Innoveo takes to protect that information, and how to grant or revoke consent for collection and use of that information will be fully described the in our privacy policy.

1. Privacy Notice

Innoveo (“us”, “we”, or “our”) operates the www.innoveo.com website (the “Service”).

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from www.innoveo.com.

2. Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

2.1. Types of Data Collected

2.1.1. Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personal identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Address, State, Province, ZIP/Postal code, City
  • Cookies and Usage Data

2.1.2. Usage Data

We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

2.1.3. Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to
improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

  • Session Cookies. We use Session Cookies to operate our Service.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.

2.2. Use of Data

Innoveo uses the collected data for various purposes:

  • To provide and maintain the Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer care and support
  • To provide analysis or valuable information so that we can improve the Service
  • To monitor the usage of the Service
  • To detect, prevent and address technical issues

2.3. Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside Switzerland and choose to provide information to us, please note that we transfer the data, including Personal Data, to Switzerland and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Innoveo will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of
your data and other personal information.

2.4. Disclosure of Data

2.4.1. Legal Requirements

Innoveo may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of Innoveo
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

2.5. Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

2.6. Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

2.6.1. Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

3. Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party’s link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party’ sites or services.

4. Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

5. Changes to this Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

6. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Customer Success Stories

What do they say about us?

Tobias
Leber

CEO and Founder Gryves

"Thanks to the flexible platform and excellent service, we were able to bring our products to market quickly and easily"

HOW IT STARTED

2017 - Gryves is a Swiss and UK based start up offering cyber security risk assessments services and risk transfer options to SMEs. Gryves was looking for a digital platform that could host and manage their products online. Innoveo came into the picture as a strategic partner to enter the Insurtech market.

HOW IT EVOLVED

As a start up, Gryves had to pivot multiple times to better define the final business model and the technological platform that could best support their offer in the market. Innoveo Skye’s ability to adapt and optimize their application allowed them to experiment the many different possible approaches for a customer portal before developing a final version and winning important partnerships.

Currently the Gryves customer portal includes two assessments, a DOMAIN CYBER CHECK which is based on data analysis and a BUSINESS BASICS CYBER CHECK which is based on a comprehensive questionnaire. Utilizing the flexibility of the Innoveo platform, Gryves can react quickly to customer requests if it comes to service provision, especially the ability to tailor the products. Innoveo’s ability to do change requests via configuration instead of coding reduces considerably time-to-market.

HIGHLIGHTS

  • Real-time DOMAIN CYBER CHECK for SMEs
  • Comprehensive BUSINESS BASICS CYBER CHECK
  • Adjust products via configuration
  • Innoveo as a tech platform and strategical partner
  • Enable InsurTech

Customer Success Stories

What do they say about us?

Ronan

Minogue

Deputy IT Director

Zurich Ireland

"...the Innoveo Skye platform enabled a market leading customer journey for quote and bind"

HOW IT STARTED

2017 - Zurich Ireland wanted to re-launch their Direct Home Insurance offering enabling an improved digital customer journey. This offering had to integrate to the a number of backend systems. After going through a POC phase, Zurich Ireland selected the Innoveo Skye platform. The Home Insurance product was launched successfully in October 2017.

HOW IT WAS SOLVED

The application consists in distributing Home insurance across Call Centre, Web, Mobile & Distribution Partnership.

Processes include Quote, Bind, Endorsements, Cancelation.

Innoveo Skye supports Pricing rating, underwiting/referral, user management functionalities. This integrates with several different systems:

  • Customer communication via document generation
  • Customer communication via email
  • Management Information Reporting
  • Back Office systems for underwriting and claims management
  • Customer Relationship Management
  • Integration to 3rd Party solutions for Address GeoCoding, flood analysis etc.

Zurich Ireland is progressing with a similar approach for other lines of business.

 

HIGHLIGHTS

  • Market leading customer journey for quote and bind
  • Re-launch of partnership journey within 8 weeks
  • 2 - 3 months of configuration for quote & bind
  • Empowering digital engagement with customers

    ZURICH IRELAND

    PRODUCTS

    HOME - MOTOR

    FEATURES

    QUOTE - BIND - ENDORSEMENT - PAYMENT GATEWAY - BACKEND INTEGRATION - SALESFORCE INTEGRATION - CANCELLATION - PRICING RATING - REFERRAL - REPORTING - LAPSE - RENEWAL

    Customer Success Stories

    What do they say about us?

    Sandro
    Matter

    Co-Founder
    vlot

    "Innoveo helped us to transfer our startup business idea into a functional platform prototype.”

    HOW IT STARTED

    2017- Sandro and Daniel, vlot founders, had a great business idea to enter the insurtech market but no technical expertise to implement it.

    Hiring IT professionals or an IT company would be expensive and time consuming, so an alternative was needed.

    Informed by the new trend of no-code platforms, vlot founders contacted us to evaluate Innoveo Skye as a possible solution. A couple of meetings later, excited by the features we presented, such as the calculation engine easily manageable and layout customization, collaboration started.

    HOW IT EVOLVED

    With Innoveo’s support, based on the modular configuration, very soon the first vlot functional prototype application was built. The insurance expertise from Innoveo and the team cooperation were highly appreciated.

    A team of 2 business analysts configured the demo vlot application – a platform that assesses the risk coverage of individuals and families with the goal of enhancing coverage in order to close any identified gap.

    Insurers need to move upstream and be present specific life events and decisions. Initially focusing on biometric risks, vlot provides easy access to a holistic assessment of state and employer related social security benefits. The vlot platform then maps consumer needs to a flexible risk coverage – on day X, but also a lifetime long: constantly capturing relevant life events and instantly transferring those into a meaningful adjustment of a chosen coverage level.

    One of the main advantages of Innoveo Skye was the easiness of setting up and adapting the assessment algorithm in a simple Excel - business people not trained to develop applications in Skye could adapt the algorithm anytime and simply upload it to the platform so that the changes were applied immediately.

      HIGHLIGHTS

      Innoveo enabled vlot to build a demo prototype solution that was successfully presented at Digital Insurance Agenda (DIA) in Amsterdam in May 2018

      vlot