Privacy Policy

Please read the privacy policy carefully to understand the privacy practices of Yas Takaful. If you do not agree to these, do not access this site, or any pages thereof. By proceeding with the access to the website you are deemed to have accepted the privacy policy. Please further note that we keep our policies updated in line with changes in laws, our practices, and policies. You are therefore requested to read the policy each time you access the Site.

Yas Takaful is committed to protecting the privacy of our customers and the people we deal with. The objective of this Privacy Policy is to explain our privacy and data collection policies and practices, that we follow in relation to your personal information that we collect through this website (referred to as a “Site”). If you provide us with personal information including your contact details and any other information enabling us to identify you and provide you with our services, we will treat it according to this policy.

What information do we collect?

Your “personal information” means any information about you that you have given to us, or third parties, in connection with a service or product offered by us through use of this Site, by phone, in person or writing or through any other communication means. If you provide information regarding other individuals, you are required to inform the individual about the contents of this Policy and to obtain any legally required consent for the collection, use, disclosure, and transfer as provided in this Policy of that person’s personal information.

The personal information we collect includes initials, name (first, middle and last), address (residential/ office/ home country), date of birth, gender, nationality, contact details – e-mail and telephone/mobile numbers, family status, health status, employment history, medical and health information, medical record (if the client is happy to provide this upfront for processing of application), financial details such as payment card number, bank account number, income, assets, identification documents/ number, policy details, policy number, relationship to the policyholder, insured or claimant, date and cause of death, injury or disability and other information required for processing your query or request.

How do we collect personal information?

Personal information is collected by Yas Takaful on the website,

  • via enquiry, registration, claim forms, feedback forms, and forums;
  • when you fill out a survey or vote in a poll on this website;
  • through careers applications;
  • through feedback forms and web analytics tags;
  • when you purchase any of our products or services;
  • when you fill out a survey or vote in a poll on this website;
  • when you provide details to us either online or offline.

We may also use cookies or similar technologies to collect website usage information. A cookie is a piece of information stored on the hard drive (of a computer, laptop, or any other decide used to access the website) by a web server to enhance and simplify the user’s identifying a user if he or she has previously accessed the website.

The site uses cookies to allow you to select a preferred location view and default home page view and to let you access recently visited links (such as products and services) more easily. Many web browsers are automatically set to accept cookies. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. Please note, however, that rejecting cookies while visiting the Site may result in certain parts of the Site not operating correctly or as efficiently as if they were allowed. In addition, we may collect IP addresses via a web analytics package. In addition, we may also collect IP addresses via a web analytics package.

How do we protect your personal information?

We take all precautionary and appropriate measures related to technology and others that are in line with the data protection laws. We consistently take actions to improve these measures to enhance the security of your information in accordance with the applicable laws and regulations on Privacy and Data Protection. While all the precautions are taken to ensure security, standards are maintained we do not manage the security of the internet used at your end.

With the rapid advancement in technology, there is an even greater risk of data transmission or data transfer to sites which can be harmful. For this reason, if at any time while accessing our website or interacting with us you believe that the security has been compromised or you no longer feel it is secure to do so, please close the website immediately, delete your history including cookies and notify us as well.

How we use your information and who we share it with.

As we take your privacy very seriously, we have designed our Privacy policy with the objective of maintaining your trust and your right to protect your personal information. We use your personal information for the following purposes:
To manage your insurance related requests and queries including but not limited to arranging quotes for your insurance needs, claims review and assessment, coordination with the reinsurance provider, processing, claim settlement, manage claim disputes, check your eligibility, assist with the processing of your
  • Premium payments, and handling complaints.
  • Send you information on our offered services.
  • Disclosure of your information with carefully selected third parties outside of Yas Takaful where the third party has agreed to keep your personal information strictly confidential and use it only for the specific purpose for which we provide it to them.
  • Share your information with the regulatory authorities where we are required or permitted to do so by law.
  • Share your information with other countries where we may have participated in initiatives to prevent and detect fraud.
  • Share your information with other organisations, public bodies including the policy if required.
  • Use your personal information with fraud prevention agencies and databases.
  • Use your personal information to identify with a view to preventing money laundering.
  • Undertake credit searches and any additional fraud, suspicious, or other illegal activities searches.
  • We constantly strive to improve the quality of the offered services and the efficiency of the technology used so we may use your details for internal training and system improvement testing.
  • We may use your details to communicate to establish and maintain relationships.
  • We may share your details with our business partners in financial institutions and other organisations where we have joint marketing agreements.

When we collect your data for marketing purpose

As stated above, we may use your information to carry out market research and analysis, including satisfaction surveys. The information obtained from you may be used by us or carefully selected third parties for research purposes or to inform you about the products and services that may be of your interest that are offered by us or by our trusted third parties. We may also use your information to contact you to participate in surveys, contests, or other promotions.
We request you to always refer to the relevant terms and conditions before participating and providing your details. On each occasion that we contact you for these purposes, you will always be given the option to opt out of any further communication. If you have provided your contact information to us and would prefer not to receive marketing information, or to participate in research, simply contact us to let us know.

Disclosure of Information to others

We do not disclose any Personal Information about you to any third parties except as stated in this Privacy Notice, as otherwise permitted by law, or authorised by you.
Third parties to whom we disclose your Personal Information are required by law and contractual undertakings to keep your Personal Information confidential and secure, and to use it only for the purpose that is pre-agreed or assigned, in compliance with all applicable legislation. The purposes for which we may disclose your Personal Information to third parties are as follows:
  • To conduct our business as an insurance intermediary including for the purposes of arranging insurance cover, handling claims, facilitating premium finance arrangements in respect of which we may disclose your Personal Information to insurers, reinsurers, intermediaries or other brokers, outsourcers, sub-contractors, agents and service providers, premium finance providers and professional advisors and auditors;
  • To associations for those Clients/Participants obtaining insurance coverage by being a member of the association;
  • To notify you or allow our affiliated companies to notify you of certain products or services offered by our affiliated companies; and
  • To update information with credit bureaus and insurance reporting agencies.
It is important to note that if these third parties wish to use your Personal Information for any other purpose, they will have a legal obligation to notify you of this and, where required, to obtain your consent.

Links to Third Party sites

As an insurance company, we may post links on our website to other third-party websites. The control of these third-party sites is outside of our control and are not covered by this Privacy Policy. If you access other websites using the links provided, the operators of these websites may collect information from you which will be used by them in accordance with their privacy policy, which may differ from ours.

Consent

By continuing to use our services whether directly through us or indirectly through any of the carefully selected third parties or this website and by providing personal data information (including sensitive information) to us, you are consenting to our use of your personal data as set in this privacy policy. Please do not send us any personal data if you do not want it to be used by us in the manner mentioned in this document.

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