Privacy Policy

1. Scope of this Privacy Policy

This Privacy Policy applies to:

- visitors to our website and digital platforms;

- individuals requesting quotations or information about our insurance products;

- policyholders, insured persons, beneficiaries, claimants, and their authorized representatives;

- individuals who contact us by phone, email, webform, or other communication channels.

2. Personal Data We Collect

Depending on the nature of your interaction with us, we may collect and process the following categories of personal data:

2.1 Identity and Contact Information

- Full name

- Nationality

- Date of birth

- Emirates ID, passport, visa, or other government-issued identification details

- Postal address

- Email address

- Mobile and telephone numbers

2.2 Policy and Transaction Information

- Insurance quotation details

- Policy details and coverage selections

- Premium payment records

- Renewal history

- Claims history

- Records of correspondence and service requests

2.3 Financial Information

- Bank account details

- Payment card or billing information

- Refund and payment instructions

- Financial information relevant to underwriting or claim settlement

2.4 Technical and Usage Information

- IP address

- Device identifiers

- Browser type

- Operating system

- Website usage information

- Login records

- Location-related technical information where relevant

2.5 Sensitive or Special Category Data

Where necessary for underwriting, policy administration, or claims processing, we may process data that may be considered sensitive under applicable law, including:

- health or medical information;

- biometric information such as photographs or identity verification data;

- vehicle-related incident details;

- information relating to accidents, injuries, or loss events.

We only process such information where required for legitimate insurance operations, legal obligations, claims handling, fraud prevention, or where consent is required and has been obtained.

3. How We Collect Your Data

We may collect personal data:

- directly from you when you complete forms, request quotations, purchase a policy, submit a claim, or contact us;

- from your employer, broker, intermediary, family member, or authorized representative where relevant;

- from healthcare providers, repairers, service providers, roadside assistance partners, investigators, reinsurers, and claims administrators;

- from government authorities, regulators, public registers, or licensed verification agencies where permitted by law;

- automatically through cookies and similar technologies when you use our website.

4. Purposes for Which We Use Personal Data

We process personal data for legitimate business and legal purposes, including to:

- provide quotations, insurance products, and customer support;

- assess eligibility, underwriting risk, and pricing;

- issue, manage, renew, and administer policies;

- handle claims, complaints, and disputes;

- verify identity and prevent fraud, financial crime, or misuse;

- communicate with you regarding your policy or requests;

- comply with legal, regulatory, audit, and reporting obligations;

- improve our website, services, and customer experience;

- maintain internal records and operational controls;

- send marketing communications where permitted by law or where you have consented.

5. Legal Basis for Processing

Where applicable under UAE law, we process personal data on one or more of the following grounds:

- performance of a contract or steps taken at your request before entering into a contract;

- compliance with legal or regulatory obligations;

- protection of vital interests;

- establishment, exercise, or defense of legal claims;

- our legitimate interests in operating and securing our business, provided such interests do not override your rights;

- your consent, where consent is required.

6. Disclosure of Personal Data

We may share personal data, only where necessary, with:

- companies within the Emirando group;

- insurance brokers, agents, and intermediaries;

- reinsurers and co-insurers;

- TPAs, claims handlers, adjusters, repair networks, garages, towing providers, roadside assistance providers, and medical networks;

- payment processors and banking partners;

- IT, hosting, cloud, analytics, document management, and cybersecurity service providers;

- auditors, legal advisers, and professional consultants;

- competent regulators, courts, government authorities, law enforcement agencies, and dispute resolution bodies;

- other third parties where you have instructed us to do so or where disclosure is permitted or required by law.

7. International Data Transfers

Because insurance operations may involve regional and international service providers, your personal data may be transferred to, stored in, or accessed from countries outside the UAE or GCC. Where such transfers take place, we will implement reasonable contractual, organizational, and technical safeguards to protect your personal data in accordance with applicable law.

8. Marketing Communications

We may send you information about products, services, promotions, or updates that may be relevant to you, by email, telephone, SMS, or other channels, where permitted by law.

You can opt out of marketing communications at any time by:

- clicking the unsubscribe link in emails;

- contacting us using the details in this Privacy Policy; or

- updating your communication preferences where available.

9. Cookies and Website Technologies

Our website may use cookies, pixels, and similar technologies to:

- recognize repeat visitors;

- maintain session functionality;

- understand how users interact with our website;

- improve website performance and user experience;

- generate aggregated analytics and reporting.

Most browsers allow you to manage or disable cookies. However, disabling cookies may affect certain website features or functionality.

10. Data Security

We take reasonable technical and organizational measures to safeguard personal data against unauthorized access, loss, misuse, alteration, or disclosure. These measures may include:

- encryption in transit;

- secure web connections;

- firewalls and network protection;

- access controls and authorization management;

- secure hosting environments;

- monitoring and incident response procedures;

- staff confidentiality and data protection training.

11. Data Retention

We retain personal data only for as long as necessary for the purposes described in this Privacy Policy, including policy administration, claims handling, legal compliance, accounting, audit, fraud prevention, and dispute resolution. When personal data is no longer required, we will securely delete, anonymize, or otherwise dispose of it in accordance with our retention procedures and applicable law.

12. Children’s Data

Our website and general services are not intended for children under the age of 16 unless specifically relevant to an insurance product such as health or life insurance and processed with the consent or authorization of a parent or legal guardian, where required.

13. Your Rights

Subject to applicable law, including the UAE Personal Data Protection Law, you may have the right to:

- request access to your personal data;

- request correction of inaccurate or incomplete data;

- request deletion of your personal data in certain circumstances;

- request restriction of processing;

- object to certain processing activities;

- withdraw consent where processing is based on consent;

- request transfer of your data in a structured and commonly used format where applicable.

To exercise your rights, please contact us using the details below. We may request information to verify your identity before processing your request.

14. Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for the privacy, security, or content of such third-party platforms. You should review their privacy notices before providing personal data to them.

15. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect legal, regulatory, operational, or business changes. Any updated version will be posted on our website with a revised effective date. Your continued use of our services after such update will be subject to the revised Privacy Policy to the extent permitted by law.

16. Contact Us

Emirando Insurance UAE

Email: [email protected]

Website: www.emirando.ae