Privacy Policy

Effective Date: June 23, 2025

Last Updated: June 23, 2025

CABAC Insurances (hereafter “CABI”, “we”, “our”, or “us”) is committed to respecting the privacy and confidentiality of personal information collected from its members, associations, and affiliated individuals. This Privacy Policy outlines the types of personal data we collect, how it is used, stored, and protected, and the rights of members with respect to their personal data.

1. Scope

This Privacy Policy applies to all associations and individuals registered with CABI, and any personal data submitted for the purposes of registration, claims, or general participation in the repatriation insurance program.

2. Information We Collect

2.1 Personal Information
  • Personal Identification Data: Full name, date of birth, photo ID, Passport, Article of incorporation, social security number, and immigration documents.
  • Membership Details: Association affiliation, registration number, payment history, and status.
  • Sensitive Data for Claims: Death certificate, photo of the deceased, funeral home invoices, and beneficiary contact details.
  • Financial Data: Contribution payment details (Zelle, Cash App, PayPal, bank transfers), receipt documentation.
  • Administrative Documents: Court-issued name change documents, marriage/divorce certificates, Form 4506-T or W2, and pay stubs.
2.2 Mobile Application Data
  • Device Information: Device model, operating system version, unique device identifiers, and mobile network information.
  • Usage Data: App interactions, features used, time spent in the app, and crash reports.
  • Location Data: Approximate location (if enabled) for service area verification.
  • Technical Data: IP address, browser type, and app version information.
2.3 Third-Party Services Data
  • Payment Processing: Stripe payment information (processed securely by Stripe, not stored by CABI).
  • Maps Services: Google Maps integration for location-based features.
  • Communication: Email addresses and phone numbers for notifications.

3. How We Use Your Information

  • Membership Management: Verification, registration, list updates, eligibility validation, and association transfers.
  • Claims Processing: Verifying death notifications, processing funeral reimbursements, and issuing funds to funeral homes or beneficiaries.
  • Communication: Disseminating updates, policy amendments, contribution requests, and General Meeting notices.
  • Compliance & Legal: Addressing fraud, disputes, and enforcing CABI’s bylaws and internal regulations.

4. Data Sharing and Disclosure

CABI does not sell or rent personal data to third parties. We may share limited data with:

  • Authorized CABI Officers and Board Members for internal operations and decision-making.
  • Funeral Homes or Financial Institutions solely for the processing of payments and verifications.
  • Legal Authorities when required by law, or to address fraud or other violations of CABI’s rules.

5. Data Storage and Retention

  • All data is securely stored in password-protected databases accessible only to authorized personnel.
  • Member data is retained only as long as necessary for the purposes listed in this policy or as required by law.
  • Death-related documents are not archived beyond claim processing per Section 16.4 of the internal rules.

6. Member Rights

  • Access their personal data by submitting a request to CABI.
  • Correct minor errors (e.g., typos) in names or contact information.
  • Withdraw Membership and request data deletion, unless retention is legally required.
  • Object to data misuse or file complaints to the CABI Council.

Note: Certain requests (e.g., name changes) must be accompanied by legal documentation as specified in Section 11.3.

7. Data Protection Practices

  • Restricted internal access to personal data.
  • Encrypted file sharing for sensitive documents.
  • Regular internal reviews to ensure compliance with policies.
  • SSL encryption for all data transmission.
  • Secure cloud storage with access controls.

8. Cookies and Tracking Technologies

Our mobile application and website may use cookies and similar tracking technologies to enhance user experience and analyze usage patterns.

  • Essential Cookies: Required for basic app functionality and user authentication.
  • Analytics Cookies: Used to understand how users interact with our app (anonymized data).
  • Preference Cookies: Remember user settings and language preferences.
  • Third-Party Cookies: From payment processors (Stripe) and mapping services (Google Maps).

You can control cookie settings through your device's browser or app settings. Disabling certain cookies may affect app functionality.

9. Age Restrictions and Children's Privacy

Our application is intended for users who are at least 18 years old. We do not knowingly collect personal information from children under 13 years of age.

  • Users must be 18+ to create an account and access our services.
  • We do not collect data from children under 13.
  • If we discover that we have collected data from a child under 13, we will delete it immediately.
  • Parents or guardians who believe their child has provided personal information should contact us immediately.

10. International Data Transfers

Your personal information may be transferred to and processed in countries other than your country of residence. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards.

  • Data may be processed in the United States where our servers are located.
  • We use standard contractual clauses and other legal mechanisms to protect your data.
  • Third-party service providers (Stripe, Google) may process data in various locations.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements.

  • Material changes will be communicated via email and in-app notifications.
  • Continued use of the app after changes constitutes acceptance of the updated policy.
  • We will maintain previous versions of this policy for your reference.
  • The "Last Updated" date at the top indicates when changes were made.

12. Contact Information

For questions, data requests, or privacy concerns, members may contact:

CABAC Insurances (CABI)
Attn: Privacy Officer
Email Address: [email protected]
Phone: (773) 344-7748
Address: 5213 West 87TH Street, Oak Lawn, Illinois, 60453 USA

Data Protection Officer: [email protected]