Privacy Policy

Data Privacy Policy - Gargash Insurance Service Co LLC

1. Introduction

This Data Privacy Policy ("Policy") outlines how Gargash Insurance Service Co LLC collects, uses, processes, stores, and protects personal data in compliance with the UAE Personal Data Protection Law (PDPL) and other applicable data protection regulations. As an insurance broker, we understand the importance of safeguarding the privacy and confidentiality of the personal data you provide to us.

By interacting with us, including by using our services, contacting us, or submitting personal data, you agree to the collection, use, and processing of your personal data as outlined in this Policy.

2. Personal Data We Collect

We may collect and process the following types of personal data:

• Personal Identification Information: Name, address, email address, phone number, nationality, gender, date of birth, and government-issued identification numbers (e.g., Emirates ID, passport number).
• Financial Information: Bank account details, income, salary, and other financial data related to insurance policies.
• Insurance-related Data: Insurance policy details, claims history, beneficiaries, risk assessments, and underwriting data.
• Health Information: Medical history, health status, and other related information, if relevant to your insurance policy.
• Communication Data: Email and phone communications with us.
• Device and Usage Data: Data related to your use of our website or mobile applications, such as IP address, browser type, and location data.

3. How We Use Your Personal Data

We collect and process your personal data for the following purposes:

• Provision of Services: To provide you with insurance brokerage services, including policy recommendation, placement, administration, and claims management.
• Legal Obligations: To comply with legal and regulatory obligations, including reporting to relevant authorities, maintaining records, and fulfilling contractual obligations.
• Marketing and Communication: To send promotional materials, newsletters, and updates related to our services, provided that you have consented to receive such communications.
• Customer Support: To respond to inquiries, process complaints, and provide customer support services.
• Improvement of Services: To analyze data for improving our services, conducting market research, and enhancing user experience.

4. Data Sharing and Disclosure

We may share your personal data with:

• Insurance Providers: To obtain quotes, process claims, and provide insurance products that meet your needs.
• Regulatory Authorities: To comply with legal and regulatory requirements, including the CBUAE or any other relevant authority.
• Law Enforcement: In cases of suspected fraud, money laundering, or other illegal activities, we may disclose personal data as required by law.

We will not share your personal data with any other third parties without your consent unless required by law or regulation.

5. Data Retention

We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Policy or as required by applicable law. After this period, we will securely dispose of or anonymize your data.

6. Your Rights

Under the UAE Personal Data Protection Law, you have the following rights regarding your personal data:

• Access: You can request access to the personal data we hold about you.
• Rectification: You can request correction or updating of inaccurate or incomplete personal data.
• Erasure: You can request that we delete your personal data, subject to certain legal exceptions.
• Objection: You can object to the processing of your personal data for marketing purposes or on grounds relating to your situation.

To exercise these rights, please contact us at Compliance@gargashinsurance.com

7. Security of Your Personal Data

We take the security of your personal data seriously and have implemented appropriate technical and organizational measures to protect it against unauthorized access, disclosure, alteration, and destruction. These measures include encryption, firewalls, and secure access controls.

However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies on our website and mobile applications to improve your experience and gather analytics. You can control the use of cookies through your browser settings. For more information about cookies please visit www.allaboutcookies.org

9. Changes to This Policy

We may update this Data Privacy Policy from time to time to reflect changes in our practices, legal requirements, or technology. Any updates will be posted on our website, and the updated policy will be effective from the date it is posted. We encourage you to review this Policy periodically.

10. Contact Us

If you have any questions, concerns, or requests regarding this Data Privacy Policy or your personal data, please contact us at:

Gargash Insurance Service Co LLC
P.O.Box 50251, Dubai, UAE
compliance@gargashinsurance.com

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