Privacy Policy for R2S Insurance Brokers LLC

Effective Date: 01/03/2019
Last Updated: 01/10/2024

R2S Insurance Brokers (“we,” “us,” or “our”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in compliance with applicable data protection laws, including the General Data Protection Regulation (GDPR) of the European Union (EU), the UAE Data Protection Law, and other global privacy laws. By accessing or using our website (the “Site”), you agree to the collection and use of your information as described in this policy.

1. Information We Collect

We collect various types of personal information to provide and improve our services. This may include:

Personal Identification Information: Name, email address, phone number, address, and other contact details.
Technical Data: IP address, browser type, device information, operating system, and browsing activity on our site.
Usage Data: Details of how you use our website, including the pages you visit, time spent, and interactions with our services.
Financial Data: In the course of providing our insurance brokerage services, we may collect financial information, including bank account details, payment information, and transaction history.
Sensitive Data (if applicable): Health-related data, financial information, or other sensitive personal information may be processed when relevant to our services, and with explicit consent where required.

2. How We Use Your Information

We use the information we collect for various purposes, including:

To Provide Services: To process your insurance inquiries, manage policies, provide quotes, and deliver customer support.
To Improve User Experience: To understand your preferences and tailor content, advertisements, and offerings to you.
To Communicate with You: To send you newsletters, updates, offers, and other information relevant to our services.
For Legal and Compliance Purposes: To comply with applicable legal obligations, resolve disputes, and enforce our terms of service.
Marketing and Promotions: With your consent, we may send you marketing communications related to our services or related offerings. You may opt out of these communications at any time.

3. Legal Basis for Processing Personal Data (GDPR)

If you are a resident of the EU or otherwise subject to GDPR, we process your personal data based on the following legal grounds:

Consent: When you provide us with explicit consent to process your personal data for a specific purpose, such as receiving marketing communications.
Contractual Necessity: When processing your data is necessary to fulfill our contractual obligations with you, such as providing insurance brokerage services.
Legal Obligation: To comply with laws, regulations, and legal requests, such as financial reporting requirements or compliance with insurance regulations.
Legitimate Interests: We may process your data based on legitimate business interests, such as improving our services and maintaining business operations, unless overridden by your privacy rights.

4. Data Retention

We will retain your personal data for as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, or reporting requirements. This may include keeping records of transactions, communications, and interactions with our services for a reasonable period after the conclusion of our business relationship.

5. Sharing Your Information

We may share your personal data with third parties under the following circumstances:

Service Providers: We may share your information with third-party service providers who help us deliver our services, such as insurers, payment processors, IT service providers, and marketing partners. These providers are contractually obligated to protect your information.
Legal Compliance: We may disclose your information when required to do so by law, regulation, or legal process, or to protect our rights, safety, and property or the rights of others.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal data may be transferred to the relevant third party as part of the transaction.

6. International Transfers of Data

Your personal data may be transferred to, stored, and processed in countries outside the UAE, the EU, or your jurisdiction. We ensure that any such transfers are in compliance with applicable data protection laws and are protected by appropriate safeguards, such as Standard Contractual Clauses (SCCs) or Binding Corporate Rules (BCRs), where applicable.

7. Security of Your Information

We implement technical, administrative, and physical measures to protect your personal data from unauthorized access, use, or disclosure. However, no security measures are 100% effective, and we cannot guarantee the absolute security of your data. We encourage you to take steps to protect your personal data, such as using strong passwords and avoiding sharing sensitive information over unsecured channels.

8. Your Rights and Choices

Under data protection laws, you have certain rights concerning your personal data. These may include:

Access: The right to request copies of the personal data we hold about you.
Rectification: The right to request corrections to any inaccurate or incomplete data.
Erasure: The right to request the deletion of your personal data, subject to legal limitations.
Restriction of Processing: The right to request the restriction of processing in certain circumstances.
Data Portability: The right to request a copy of your personal data in a machine-readable format and transfer it to another provider.
Objection: The right to object to processing based on legitimate interests or direct marketing.
Withdrawal of Consent: The right to withdraw consent at any time where we rely on consent as the legal basis for processing.

To exercise your rights, please contact us using the details provided below. We will respond to your request within the timeframes required by law.

9. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your user experience, analyze website usage, and deliver targeted advertisements. You can manage your cookie preferences through your browser settings. Please refer to our [Cookie Policy] for more information on how we use cookies.

10. Children’s Privacy

Our services are not intended for children under the age of 16, and we do not knowingly collect or solicit personal data from children. If we become aware that a child under the age of 16 has provided us with personal data, we will take steps to delete such information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable laws. We will notify you of any significant changes by posting the revised policy on our website and updating the effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.