Privacy Policy

APEX INSURANCE JSC (hereinafter — "the Company", "we") together with strategic partners and subsidiaries (hereinafter — "Group of Companies" or "Ecosystem") operates the myAPEX™ mobile application (hereinafter — "the App").

This Policy explains how we process personal data within the unified Ecosystem to ensure an end-to-end customer journey: from service discovery to post-service support.

The App is an aggregator of Ecosystem services. By using a specific service, you enter into a relationship with the corresponding licensed participant:

• •Insurance: APEX INSURANCE JSC, APEX LIFE INSURANCE JSC
• •Travel services: ALFA TOUR LLC, RAXMAT-TRAVEL LLC
• •Ticket booking: ALFA TICKET LLC, UITC LLC
• •Assistance & support: SALOM ASSIST LLC

Full details of participants are provided in Section 13.

Within the Ecosystem, participants act as Joint Controllers. APEX INSURANCE JSC serves as the Lead Controller, providing the common platform, authorization security, and centralized user profile storage.

Partners act as data processors for fulfilling specific orders. Each legal entity bears independent responsibility for compliance with privacy regulations when processing data transferred to it.

3.1. Personal information (provided by the user):

• •Profile: first name, last name, date of birth, gender.
• •Contacts: phone number, email address.
• •Identification: passport data (series, number, PINFL) — required for issuing policies and air tickets under Uzbek law.
• •Insurance objects: vehicle data (technical passport), real estate data.
• •Payment data: card tokens (no full CVV/CVC stored; processed via Click/Payme/Uzum).

3.2. Automatic and technical data:

• •Metadata: IP address, device ID (UUID), OS type, App version.
• •Geolocation: for the SOS feature and nearest office search.
• •Event logs: search, booking, and navigation history for UX optimization.

We use data exclusively for:

• •Contract execution: issuing policies, booking tickets, organizing tours.
• •State management: tracking order status and controlling booking time limits.
• •Security: preventing fraudulent transactions and maintaining an Audit Trail.
• •Communication: push notifications about flight, policy, and service event statuses.

The App implements Single Sign-On (SSO) and a shared data model for user convenience.

• •Internal transfer: between Ecosystem companies to provide comprehensive services.
• •External transfer: to airlines (via GDS), government systems, and payment organizations.

• •Encryption: data transmitted via TLS 1.3; secured and segmented PostgreSQL databases.
• •Localization: data stored on servers in compliance with Uzbek personal data legislation.
• •Retention: for the duration of the contract and 5 years thereafter.

You have the right to:

• •Request an export of your data.
• •Correct inaccuracies (e.g., passport change).
• •Withdraw consent (this may restrict access to certain App features).

To exercise your rights, contact: support@myapex.uz

We distinguish between technical and marketing notifications:

• •Service notifications (payment, policy/ticket number, SOS) — required for contract execution.
• •Marketing communications (promotions, special offers) — can be disabled at any time.

You can unsubscribe via profile settings, the 'Unsubscribe' link in emails, or by contacting support@myapex.uz. Opting out does not affect your ability to purchase services.

We reserve the right to update this Policy. The App will notify you of critical changes via a system message.

• •APEX INSURANCE JSC — Insurer. TIN 305684696, Tashkent, S. Azimova St., 77
• •APEX LIFE INSURANCE JSC — Life insurer. TIN 306416877, Parkent St., 26a
• •SALOM ASSIST LLC — Service company. TIN 308684045, Parkent St. 2b
• •UITC LLC — Travel agency. TIN 308979904, Chorsu Massif, 2-56
• •ALFA TICKET LLC — Ticket sales. TIN 310390064, Chorsu Massif, 2-56
• •RAXMAT-TRAVEL LLC — Tour operator. TIN 310458627, Yalangoch Massif, 119a

By using the myAPEX™ app, you confirm that you have read this Policy and consent to the processing of your data by all the legal entities listed above.