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Privacy Policy

Page updated 13/03/2026 13:23

Since 2018, the TUV company has also issued the ISO 27001:2013 certificate of compliance with the requirements of the information security management system.
The bank card data, which you attach to the LIGA INSURANCE application, are stored in the ArCa system, which has the PCI DSS (Payment Card Industry Data) international certificate of payment card data security. Only licensed software packages are installed in the company. It should also be noted that the anti-virus protection system we use is a multi-level and centralized system. It ensures daily updating of anti-virus databases, as well as monitoring and control of the anti-virus situation. The Information Security Policy of "LIGA INSURANCE" ICJSC is applied by all employees of the Company. The Company plans and conducts information security awareness and training programs for its employees.


LIGA INSURANCE MOBILE APPLICATION (LIGA Mobile)

1. Information We Collect
When you use the Liga Insurance mobile application, we may collect the following categories of information.
1.1 Personal Identification Information

  • Full name
  • Phone number
  • Email address
  • Identification number or passport details (if required for insurance policies)
  • Date of birth
  • Address
This information is required for policy management, authentication, and communication with users.

1.2 Insurance and Service Information
  • Insurance policy details
  • Claims information
  • Uploaded documents related to insurance services
  • Payment and billing information

1.3 Health-Related Information
If you purchase or manage health insurance polisies through the Application, the app may collect health-related data, including:
  • Medical service records submitted for claims
  • Medical documents uploaded by the user
  • Information about medical services covered under an insurance polisies
  • Healthcare provider information
  • Claim details related to medical treatments
Purpose of Processing Health Data
Health data is processed strictly for the following purposes:
  • Processing medical insurance claims
  • Verifying eligibility for insurance services
  • Managing health insurance policies
  • Communicating with healthcare providers when required for claim validation
  • Fraud prevention and compliance with insurance regulations
Health data is not used for advertising purposes and is processed only to provide insurance services.

1.4 Technical and Device Information
The Application may collect limited technical data including:
  • Device type and operating system
  • Application version
  • Log data and diagnostics
  • IP address
This information is used for security, troubleshooting, and improving the application.

2. How We Use Your Information
We use collected data to:
  • Provide insurance services
  • Manage user accounts
  • Process insurance policies and claims
  • Verify identity and prevent fraud
  • Communicate important updates regarding services
  • Improve the functionality and security of the application
  • Comply with legal and regulatory obligations

3. Data Protection and Security
Liga Insurance implements strict information security controls aligned with ISO/IEC 27001 standards. These measures include:
  • Encryption of data during transmission
  • Secure storage systems
  • Access control and authentication mechanisms
  • Regular security monitoring and audits
Health and personal data are processed only by authorized personnel and only for legitimate insurance purposes.

4. Data Sharing
We do not sell personal data.
Information may be shared only with:
  • Healthcare providers for claim verification
  • Payment processors
  • IT service providers supporting the application
  • Regulatory authorities if required by law
All third parties are required to comply with data protection and confidentiality requirements.

5. Data Retention
Personal and health data are stored only for as long as necessary to fulfill the purposes described in this Privacy Policy and to comply with legal obligations.
Retention periods may include:
  • Active insurance policy period
  • The legally required archival period under Armenian insurance and financial regulations
  • Additional retention required for dispute resolution or regulatory compliance
After the retention period expires, personal data is securely deleted or anonymized.

6. Data Deletion and User Rights
Users have the right to request deletion of their personal data where permitted by law.
You may request data deletion by: Upon receiving a verified request, Liga Insurance will:
  1. Review the request
  2. Delete or anonymize the user's personal data where legally permissible
  3. Confirm the deletion request
Some data may be retained if required by insurance regulations, financial reporting laws, or legal obligations.

7. User Rights
Users may have the right to:
  • Access their personal data
  • Correct inaccurate data
  • Request deletion of personal data
  • Restrict or object to certain processing activities
Requests can be submitted via info@liga.am.

8. Children's Privacy
The Application is not intended for individuals under 18 years of age unless permitted by law or under a legal guardian's supervision.

9. Changes to This Privacy Policy
Liga Insurance may update this Privacy Policy periodically. Updates will be published in the application and on our website.

10. Contact Information
If you have questions regarding this Privacy Policy or your personal data, please contact via info@liga.am