1. Introduction
Himalayan Guardian Nepal Pvt. Ltd. works with insurers, rescue partners, payment providers, agencies, device/location service providers, and other service providers to deliver travel safety, insurance, tracking, SOS, rescue coordination, and claim support services.
2. Insurer
- Issues insurance policies where stated in the applicable product documents.
- Defines coverage, exclusions, deductibles, co-payment, limitations, and claim conditions.
- Assesses claim eligibility.
- Approves or rejects claims.
- Pays approved claims according to the policy.
- Requests additional claim documents where required.
Himalayan Guardian Nepal Pvt. Ltd. does not have the right for final claim approval, rejection, or settlement decisions.
3. Rescue / Call Center Partner
Himalayan Guardian Nepal Pvt. Ltd. may coordinate SOS alerts, emergency communication, rescue support, and call center handling through authorized rescue partners.
Such coordination may be carried out through the Himalayan Guardian Nepal Pvt. Ltd. platform, direct communication, or consultation with the insurer, rescue partner, medical providers, travel agency, guide, or other relevant parties.
Himalayan Guardian Nepal Pvt. Ltd. and its authorized partners will make reasonable efforts to coordinate timely and appropriate assistance, subject to operational conditions, insurance eligibility, and applicable product documents.
4. Payment Providers
Payments may be processed through third-party providers such as card processors (CyberSource), QR payment providers (FonePay, UPI, AliPay, etc), bank transfer systems (ConnectIPS, CorporatePay, etc), or other supported methods. Himalayan Guardian Nepal Pvt. Ltd. does not store full card details.
5. Travel Agencies and Sales Companies
Travel agencies, sales companies, and sales representatives may create orders or assist travelers in purchasing Himalayan Guardian Nepal Pvt. Ltd. products. Where they are involved in an order, they may access relevant order and traveler information necessary to create, manage, support, or verify that order.
6. Embedded Platform and Partner Website Integration
Himalayan Guardian Nepal Pvt. Ltd. may allow authorized travel agencies, sales companies, or partners to embed the Himalayan Guardian Nepal Pvt. Ltd. booking flow, widget, iframe, SDK, or similar platform integration on their own websites or digital channels.
When users purchase Himalayan Guardian Nepal Pvt. Ltd. products through such embedded systems, the booking flow, data collection, order processing, payment support, document upload, policy support, device allocation, SOS coordination, and claim assistance may still be processed through the Himalayan Guardian Nepal Pvt. Ltd. platform. The partner website may display the booking interface, while Himalayan Guardian Nepal Pvt. Ltd. operates the Himalayan Guardian Nepal Pvt. Ltd. platform components and the partner remains responsible for its own website, content, domain, user communication, and any data it independently collects.
Relevant user data may be shared between Himalayan Guardian Nepal Pvt. Ltd. and the authorized partner only as necessary to create, manage, support, or verify the user’s order and related services.
7. Device and Location Services
Himalayan Guardian Nepal Pvt. Ltd. may provide or facilitate the use of devices such as Tracer M3 for live tracking and SOS communication. Device/location service providers may process device signals, location data, communication records, and SOS logs as necessary for tracking, safety, and emergency response.
8. Medical and Hospital Providers
Himalayan Guardian Nepal Pvt. Ltd. may share necessary documents and relevant information with hospitals, clinics, doctors, medical responders, ambulance providers, rescue partners, or other medical service providers in emergency, rescue, or claim-related situations.
Such information may be shared only as required for treatment support, emergency coordination, rescue assistance, claim verification, insurance processing, or related service support.
9. Government and Regulatory Authorities
Himalayan Guardian Nepal Pvt. Ltd. may disclose information to government, law enforcement, regulatory, immigration, tourism, insurance, or other competent authorities where legally required or necessary for user safety, public interest, rescue, claim verification, investigation, or compliance.
10. No Responsibility for Third-Party Decisions
Himalayan Guardian Nepal Pvt. Ltd. is not responsible for independent decisions made by insurers, rescue partners, payment providers, medical providers, government authorities, agencies, or other third parties, except where Himalayan Guardian Nepal Pvt. Ltd. is legally responsible under applicable law or official agreements.
himalayanguardian.com | support@himalayanguardian.com