Privacy Policy

Neem Tree is a branch sales-monitoring portal for authorized advisors, managers, and administrators. It also processes information about policyholders and prospects that a branch imports or records in order to run production reports and client communications.

If you are a portal user, this policy covers your account. If you are a client or policyholder who receives emails from the branch through the portal, it covers how those messages and related records are handled.

Account and profile. When you create or are given an account we store your name, email address, password (stored as a hash, not in plain text), role, and optional profile photo. If you sign in with Google we receive the name, email, and profile image Google provides for that account.

Branch and production data. The portal holds manpower records, applications, production, persistency, awards, earnings, training progress, helpdesk tickets, and similar operating data that the branch uploads or enters.

Client and policy records. Authorized users may import or maintain book-of-business files that include policyholder names, contact details, policy numbers, product details, premium and due-date information, and related notes. This is business data the branch already holds; the portal stores it so advisors can work from it.

Communications. We keep records of reminder and greeting emails the branch sends through the portal, unsubscribe requests, and password-reset or account emails sent to portal users.

Technical data. We use session cookies to keep you signed in. Hosting and application logs may include IP address, browser or device details, and timestamps needed to operate, secure, and debug the service.

We use the information above to:

• Authenticate you and keep your session secure
• Provide production reports, earnings, education, applications, and other portal features
• Send account emails such as password-reset links
• Send client reminder and greeting emails when the branch enables that feature, and honor unsubscribe requests
• Operate, maintain, and improve the service, including troubleshooting and abuse prevention

We do not sell personal information. We do not use portal data for third-party advertising.

Access inside the branch is role-based. Advisors, managers, and administrators see the records their role and assignment allow. We share information outside the branch only as needed to run the service, including:

• Cloud hosting, database, and file-storage providers that hold the application and uploaded files
• Email delivery providers that send account and client emails
• Google, if you choose to sign in with a Google account
• Authorities when we are legally required to do so

Processors act on our instructions and only to provide their service. Uploaded source files used for imports are retained for a limited period and then expired according to the import settings in effect.

The portal uses essential session cookies to recognize a signed-in user. These cookies are required for the service to function. We do not use advertising or analytics cookies.

When the branch enables client email, advisors may send premium-due reminders, birthday greetings, and similar messages using contact details on file. Recipients can stop those emails on the public Unsubscribe page or by using the unsubscribe link in a message. Unsubscribing from reminder emails does not close a policy or a portal account.

We keep account, production, and book-of-business records for as long as the branch uses the portal and as needed for the operating, audit, and legal purposes of that branch. Import source files are kept for a shorter, fixed period and then removed. You can ask your branch administrator to correct or delete account information they control.

We use access controls, hashed passwords, encrypted transport, and restricted file storage to protect information. No method of transmission or storage is completely secure. Users must keep their credentials confidential and use only devices they trust.

Depending on your relationship with the branch and applicable law, including the Data Privacy Act of 2012 (Republic Act No. 10173) in the Philippines, you may request access to, correction of, or deletion of personal information we hold, or ask questions about how it is used. Portal users should start with their branch administrator. Policyholders should contact their advisor or the branch, and may use the Unsubscribe page for marketing or reminder emails.

The portal is for authorized adult branch members. It is not directed at children under 18.

We may update this policy from time to time. The “Last updated” date at the top of the page will change when we do. Continued use of the portal after an update means you accept the revised policy.

For privacy questions about Neem Tree, contact your branch administrator. For reminder-email opt-outs, use the Unsubscribe page or email unsubscribe@neemnbo.com.