Privacy Policy

Introduction

Welcome to Chedid Insurance Brokers’ privacy policy.

Chedid Insurance Brokers Network (referred to as CIB, we, us or our in this privacy policy) respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website Chedid-insurance.com (our Site) (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

Glossary

“Legitimate Interest” means our interest in conducting and managing the activity of CIB. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests.  We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).  You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.

“Comply with a legal obligation” means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to.

“Consent” means that you have given an unambiguous indication of your consent to us processing your personal data for a specific purpose.

IMPORTANT INFORMATION AND WHO WE ARE

Purpose of this privacy policy

This privacy policy aims to give you information on how CIB collects and processes your personal data through your use of our Site, including any data you may provide through our Site to get in contact with you.

Our Site is not intended for use by children.

It is important that you read this privacy policy together with any other policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data.  This privacy policy supplements other notices and policies and is not intended to override them.

Controller

CIB is responsible for the Site. CIB is the controller and responsible for your personal data in relation to use of the Site.

If you have any questions about this privacy policy, including any requests to exercise Your legal rights as provided for below, please contact us using the details set out below.

Contact details

If you have any questions about this privacy policy or our privacy practices, please contact us in the following ways:

Full name of legal entity: Chedid Insurance Brokers Network

Email address: privacy@chedid-insurance.com 

Telephone number: +961 5 956 080

You have the right to make a complaint at any time to the relevant regulator.  We would, however, appreciate the chance to deal with your concerns before you approach any regulator(s) so please contact us in the first instance.

Changes to the privacy policy

This Version 1 was last updated on January 2023. Historic versions can be obtained by contacting us.

It is important that the personal data we hold about you is accurate and current.  Please keep us informed if your personal data changes during your relationship with us.

This privacy policy will be reviewed, and may be revised, from time to time. You may wish to revisit it regularly.

Third-party links

Our Site may include links to third-party websites, plug-ins and applications.  Clicking on those links or enabling those connections may allow third parties to collect or share data about you.  We do not control these third-party activities and are not responsible for their privacy statements.  When you leave our Site, we encourage you to read their privacy policy and the privacy policy of every website you visit.

THE DATA WE COLLECT ABOUT YOU

Data we will collect

Personal data, or personal information, means any information about an individual from which that person can be identified.  It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data includes first name, last name, title, gender, education, work experience, current and previous positions, nationality, passport details, identity card details.
• Contact Data includes geolocation (map), address, email address and telephone numbers.
• Technical Data includes internet protocol (IP) address, time zone setting and location, operating system and platform, and other technology on the devices you use to access the Site.
• Usage Data includes information about how you use our Site.
• Marketing and Communications Data includes your preferences in receiving marketing from us and your communication preferences.
• Special Category Data includes information related to your religion.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose.  Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity.  For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature.  However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

Other than as detailed above under the category of Special Category Data, we do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data).  Nor do we collect any information about criminal convictions and offences.

If you fail to provide personal data

Where we need to collect personal data by law, or through your use of our Site, and you fail to provide that data when requested, you may not be able to access all or parts of our Site.

HOW IS YOUR PERSONAL DATA COLLECTED?

We use different methods to collect data from and about you including through:

Direct interactions.  You may give us your Identity, Contact, Marketing and Communications and Special Category Data by using our Site or filling in forms through our Site.  This includes personal data you provide when you:

• request more information about our services.
• Apply on available positions
• contact us.

Automated technologies or interactions.  As you interact with our Site, we will automatically collect Technical and Usage Data about your equipment, browsing actions and patterns.  We collect this personal data by using cookies, server logs and other similar technologies.  Please see our Cookie Policy for further details.

Third parties or publicly available sources.  We will receive personal data about you from various third parties as set out below:

• Technical, Marketing and Communications and Usage Data, from analytics providers such as Google.

HOW WE USE YOUR PERSONAL DATA

When we will use your personal data

We will only use your personal data when the law allows us to.  Most commonly, we will use your personal data in the following circumstances:

• where it is necessary for our Legitimate Interests (or those of a third party) and your interests and fundamental rights do not override those interests; and/or
• where we need to Comply with a legal obligation.

Generally, we do not rely on consent as a legal basis for processing your personal data.

Purposes for which we will use your personal data

We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so.  We have also identified what our Legitimate Interests are where appropriate.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data.  Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

Marketing

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.  You have the right to object to marketing at any time by contacting us.  See Your legal rights below for more information.

Promotional offers from us

We may use your Identity, Contact, Usage, Technical and Marketing and Communications Data to form a view on what we think you may want or need, or what may be of interest to you.  This is how we decide which products, services and offers may be relevant for you (we call this marketing).

You will receive marketing communications from us if you have requested information from us and you have not opted out of receiving that marketing.

Opting out

You can ask us to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you.

Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of your use of our Site or services.

Cookie

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies.  If you disable or refuse cookies, please note that some parts of our Site may become inaccessible or not function properly.  For more information about the cookies we use, please see our Cookie Policy.

Change of purpose

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose.  If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

DISCLOSURES OF YOUR PERSONAL DATA

We may share your personal data with the parties set out below for the purposes set out in the table Purposes for which we will use your personal data above:

• Internal Third Parties.
  • Other companies in our Group who provide technical, system and diagnostics support for our Site.
  • Authorized employees of other companies in our Group who respond to individual requests from You and any individual who contacts Us via online forms (applications, information and others)
  • Other companies in our Group for their marketing activities such as making suggestions and recommendations to you about goods or services that may be of interest to you.
• External Third Parties: Service providers acting as processors who provide IT and system administration services and website administration services.
• Third parties to whom we may choose to sell, transfer or merge parts of our business or our assets.  Alternatively, we may seek to acquire other businesses or merge with them.  If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy policy.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law.

INTERNATIONAL TRANSFERS

We share your personal data as outlined in this policy. Your personal data may be transferred to- and maintained on- computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. Therefore, processing of your personal data might involve cross-border transfers of your personal data.

Whenever the transfer of your personal data involves cross-border transfers, we will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

DATA SECURITY

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed, unfortunately we cannot guarantee this.  In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

DATA RETENTION

How long will you use my personal data for?

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements.  We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

By law we have to keep basic information about our customers for ten (10) years after they cease being customers.

In some circumstances you can ask us to delete your data. See Your legal rights below for further information.

In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

YOUR LEGAL RIGHTS

Under certain circumstances, you have rights under data protection laws in relation to your personal data.  You have the right to:

• Request access to your personal data (commonly known as a “data subject access request”).  This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
• Request correction of the personal data that we hold about you.  This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
• Request erasure of your personal data.  This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it.  You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.  In addition, where we are able to comply with your request, we may not be able to provide certain services to you.
• Object to processing of your personal data where we are relying on a Legitimate Interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms.  You also have the right to object where we are processing your personal data for direct marketing purposes.  In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
• Request restriction of processing of your personal data.  This enables you to ask us to suspend the processing of your personal data in the following scenarios:
  • if you want us to establish the data’s accuracy;
  • where our use of the data is unlawful but you do not want us to erase it;
  • where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or
  • you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
• Request the transfer of your personal data to you or to a third party.  We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format.  Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
• Withdraw consent at any time where we are relying on consent to process your personal data.  However, this will not affect the lawfulness of any processing carried out before you withdraw your consent.  If you withdraw your consent, we may not be able to provide certain services to you.  We will advise you if this is the case at the time you withdraw your consent.

If you wish to exercise any of the rights set out above please contact us at privacy@chedid-insurance.com, or for any other information or complaint please contact us by e-mail at info@ chedid-insurance.com 

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights).  However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive.  Alternatively, we could refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights).  This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it.  We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month.  Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests.  In this case, we will notify you and keep you updated.