Last Updated: 7th March 2022
Who to Contact About Your Personal Information?
If you have any questions about Our use of your Personal Information you can:
e-mail Us at: email@example.com; or
write to Us at Our postal address: P.O. Box 5501, Dubai, U.A.E.
Personal Information That We Collect
Depending on your relationship with Us (for example, as a consumer policyholder; non-policyholder insured or claimant; witness; commercial broker or appointed representative; or other persons relating to Our business), Personal Information collected about you and your dependents may include:
General identification and contact information:
Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.
Identification numbers issued by government bodies or agencies:
Emirates ID number or other national identification number; passport number; tax identification number; military identification number; or driver’s or other license number.
Financial information and account details:
Payment card number; bank account number and account details; credit history and credit score; assets; income; and other financial information.
Medical condition and health status:
Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; and medical history.
Other sensitive information:
In certain cases, we may receive sensitive information about you, example of such sensitive information may include your religious beliefs, political opinions, family medical history or genetic information. In addition, We may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud. We may also obtain sensitive information if you voluntarily provide it to Us (for example, if you express preferences regarding medical treatment based on your beliefs).
Information enabling Us to provide products and services:
Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; and other insurance you hold.
Aggregate information and statistics:
Non-identifiable Site usage and aggregate information which may be provided to third parties. The statistics collected from this information will be used in order to help Us develop the Site and Our services.
Marketing preferences and customer feedback:
You may let Us know your marketing preferences, or respond to a voluntary customer satisfaction survey.
How We Use Personal Information?
We may use this Personal Information to:
Communicate with you and others as part of Our business.
Send you important information regarding changes to Our policies, other terms and conditions, the Site and other administrative information.
Provide improved quality, training and security (for example, with respect to recorded or monitored phone calls to Our contact numbers).
Prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks.
Carry out market research and analysis, including satisfaction surveys.
Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed.
Personalize your experience on the Site by presenting information and advertisements tailored to you.
Manage Our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; business continuity; and records, document and print management.
Resolve complaints, and handle requests for data access or correction.
Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence).
Establish and defend legal rights; protect Our operations, Our rights, privacy, safety or property, you or others; and pursue available remedies or limit Our damages.
International Transfer of Personal Information
Due to the global nature of Our business, for the purposes set out above we may transfer Personal Information to parties located in other countries (including countries that have a different data protection regime than is found in the country where you are based). For example, we may transfer Personal Information in order to process international travel insurance claims and provide emergency medical assistance services when you are abroad. We may transfer information internationally to service providers, business partners and governmental or public authorities.
Sharing of Personal Information
We may make Personal Information available to certain entities including but not limited to the following:
Other insurance and distribution parties:
In the course of marketing and providing insurance and processing claims, We may make Personal Information available to third parties such as other insurers; reinsurers; insurance and reinsurance brokers and other intermediaries and agents; appointed representatives; distributors; affinity marketing partners; and financial institutions, securities firms and other business partners.
Our service providers:
External third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical assistance providers; call center service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that service Our accounts; third-party claim administrators; document and records management providers; claim investigators and adjusters; construction consultants; engineers; examiners; translators; and similar third-party vendors and outsourced service providers that assist us in carrying out our business activities.
Governmental authorities and third parties involved in court action
We may also share Personal Information with governmental or other public authorities (including, but not limited to, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce Our terms and conditions; (e) to protect Our operations; (f) to protect Our rights, privacy, safety or property, you or others; and (g) to allow us to pursue available remedies or limit Our damages.
Other Third Parties
We may share Personal Information with payees; emergency providers (fire, police and medical emergency services); retailers; medical networks, organizations and providers; travel carriers; credit bureaus; credit reporting agencies; and other people involved in an incident that is the subject of a claim; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of Our business, assets or stock.
We would also like to inform you (by telephone, post, or email) of select products and services we and Our carefully chosen suppliers provide. If you would prefer not to receive this information, please notify us of this when you contact us.
All your transactions are protected by powerful Secure Sockets Layer (SSL) encryption technology. SSL encrypts your credit card number, name, address, and telephone number before they travel over the Internet. We do not store any of the credit card related information in Our server. This is captured and processed directly by the payment gateway service provider and hence provides the highest level of security possible.
We will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with Us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), please immediately notify Us. (See the "Who to Contact About Your Personal Information" section above.)
When we provide Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate security measures to protect the confidentiality and security of the Personal Information.
Retention of Personal Information
Personal Information of Other Individuals
Access and Correction Requests, Questions and Concerns
In certain countries, an individual may have the right to access, correct, object to the use of, or request deletion or suppression of Personal Information on certain grounds. Please contact Us as set out in the "Who to Contact About Your Personal Information" section above with any such requests or if you have any questions or concerns about how We process Personal Information. Please note that some Personal Information may be exempt from access, correction, objection, deletion or suppression rights in accordance with local privacy and data protection laws.
Other Information We Collect Through the Site
"Other Information" is any information that does not reveal your specific identity, such as:
Information collected through cookies, pixel tags and other technologies;
Demographic information and other information provided by you; and
Other Information We Collect
We and Our third-party service providers may collect Other Information in a variety of ways, including the following:
Through your internet browser:
Certain information is collected by most websites, such as your IP address (i.e., your computer’s address on the internet), screen resolution, operating system type (Windows or Mac) and version, internet browser type and version, time of the visit and the page(s) visited. We use this information for purposes such as calculating Site usage levels, helping diagnose server problems, and administering the Site.
You can refuse to accept other cookies We use by adjusting your browser settings. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products.
Using pixel tags, web beacons, clear GIFs or other similar technologies:
These may be used in connection with some Site pages and HTML-formatted email messages to, among other things, track the actions of Site users and email recipients, measure the success of Our marketing campaigns and compile statistics about Site usage and response rates.
Some information (for example, your location or preferred means of communication) is collected when you voluntarily provide it. Unless combined with Personal Information, this information does not personally identify you.
By aggregating information:
We may aggregate and use certain information (for example, we may aggregate information to calculate the percentage of Our users who have a particular telephone area code).
Please note that We may use and disclose Other Information for any purpose, except where We are required to do otherwise under applicable law. If We are required to treat Other Information as Personal Information under applicable law, then, in addition to the uses listed in the "Other Information We Collect" section above, We may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.
Third Party Websites
Use of Site by Minors
The Site is not directed to individuals under the age of eighteen (18), and We request that these individuals do not provide Personal Information through the Site.