Privacy Policy

How we protect and handle your personal information

Effective date: 12 June 2025

1. Who We Are

OSHC GURU is a comparison service operated by Clearway Design LLC, a Texas limited-liability company ("OSHC GURU," "we," "us," "our").

Address: 2028 E Ben White Blvd #240-1186, Austin, TX 78741, USA
Email: help@oshcguru.com

2. Scope of This Policy

This Policy explains how we collect, use, disclose, and safeguard information when you:

  • visit oshcguru.com ("Site"),
  • request a quote or create an account,
  • purchase a policy via our embedded checkout handled by our licensed insurance broker Edvisor, or
  • interact with us by email, chat, or social media.

By using the Site, you consent to the practices described below.

3. The Information We Collect

Category Examples Source
Account Data Name, email, phone, password You
Policy & Visa Data Passport country, visa subclass, course dates, dependants, insurer chosen You
Usage Data IP address, device type, browser, referral URL, pages viewed, time on site Cookies & analytics pixels
Marketing Preferences Opt-in/opt-out status, language choice You

No payment data: Card details are collected and processed exclusively by Edvisor in its own secure checkout. OSHC GURU never receives or stores full card numbers or CVV codes.

We do not knowingly collect data from children under 13.

4. How We Use Your Information

  1. Quote & Purchase – generate live premiums, pass data to Edvisor and the chosen insurer to issue certificates.
  2. Compliance – verify that cover satisfies visa condition 8501.
  3. Customer Support – answer enquiries, process refunds/price-match claims.
  4. Marketing – send service emails and, with your consent, promotional updates (unsubscribe any time).
  5. Analytics & Site Improvement – monitor performance, detect fraud, test UI changes.
  6. Legal – meet regulatory or lawful disclosure obligations, enforce our Terms of Service.

5. Legal Bases (GDPR/UK GDPR)

Where EU/UK privacy laws apply, we rely on:

  • Contract – to supply quotes, policies, and certificates you request.
  • Legitimate Interests – fraud prevention, analytics, customer support.
  • Consent – optional marketing, non-essential cookies.
  • Legal Obligation – accounting or regulatory requests.

6. When We Share Information

Recipient Purpose
Edvisor (licensed insurance broker) Secure checkout, policy activation, certificate issuance
Approved OSHC insurers Generate quotes, activate policies
Cloud & IT vendors Hosting, email delivery, analytics
Regulators / law enforcement Where legally required
Successors in a business transfer If we merge, sell, or reorganise

We do not sell or rent your personal information to third-party marketers.

7. International Data Transfers

Your data may be processed in the United States, Australia, Canada (Edvisor), or other countries. We rely on Standard Contractual Clauses or equivalent safeguards where required.

8. Cookies & Tracking Technologies

We use cookies to:

  • keep you signed in,
  • remember quote inputs,
  • measure traffic via Google Analytics, and
  • personalise limited on-site messaging.

Manage cookies in your browser or via our banner; essential cookies are required for site functionality.

9. Data Retention

  • Account & policy records: 7 years (tax and regulatory).
  • Marketing opt-ins: until you unsubscribe or request deletion.
  • Analytics logs: 26 months.

We delete or anonymise data after retention periods unless law requires longer storage.

10. Your Privacy Rights

Region Your Rights
EEA/UK Access, rectification, erasure, restriction, objection, portability, lodge a complaint
California Know, delete, correct, opt out of "sharing" for cross-context ads (we do not sell data)
Other regions We extend similar access/erasure rights where feasible

To exercise any right, email help@oshcguru.com; we'll respond within one month or as required.

11. Security Measures

We use TLS encryption, strict access controls, and periodic security testing. While no system is 100% secure, we strive to protect your data and encourage you to use strong, unique passwords.

12. Third-Party Links

Links to insurer portals or other sites operate under their own privacy policies; we are not responsible for their practices.

13. Changes to This Policy

We may update this Policy periodically. Changes take effect when posted with a new "Effective date." Material changes will be highlighted or emailed where legally required.

14. Contact

Clearway Design LLC / OSHC GURU
2028 E Ben White Blvd #240-1186, Austin, TX 78741, USA
Email: help@oshcguru.com

By continuing to use OSHC GURU, you acknowledge that you have read, understood, and agree to this Privacy Policy.