Privacy policy

1. Information we collect

Depending on how you use our website, we may collect:

• Identification details: full name, email, telephone number, postal address, date of birth and nationality where required, and company name for corporate clients.
• Insurance details: type of insurance requested, vehicle, property, business or travel information, claims history, and other information needed to obtain quotations or arrange cover.
• Technical details: IP address, browser, device and operating system, pages visited, date and time of access, and cookies and similar technologies.

2. How we use your information

• Providing insurance brokerage services and obtaining quotations from insurers
• Processing applications, and managing policies and renewals
• Responding to enquiries and providing customer support
• Improving our website and services
• Detecting fraud or misuse
• Complying with legal and regulatory obligations, and maintaining business records

We only process personal information that is necessary for these purposes.

3. Legal basis for processing

Under applicable Lebanese law, we process personal data where:

• you have given your consent;
• processing is necessary to perform services you requested;
• processing is required to comply with legal obligations;
• processing is necessary for our legitimate business interests, provided those interests do not override your rights.

4. Sharing your information

We do not sell your personal information. We may share it with:

• Insurance companies and reinsurers
• Insurance service providers, claims administrators and loss adjusters
• Medical providers, where necessary
• IT, payment and professional service providers
• Government authorities, regulators, courts or law enforcement where required by law

All third parties receiving your information are expected to maintain appropriate confidentiality and security measures.

5. International data transfers

Some of our service providers or insurance partners may process personal data outside Lebanon. Where this happens, we take reasonable measures to ensure your information receives a level of protection consistent with applicable Lebanese law.

6. Data security

We use appropriate technical and organisational measures, including secure servers, access controls, encryption where appropriate, and internal confidentiality procedures, to protect personal information against unauthorised access, loss, theft, misuse, alteration, disclosure and destruction.

No internet transmission or electronic storage method can be guaranteed to be completely secure.

7. Data retention

We keep personal information only as long as necessary to provide our services, fulfil contractual obligations, comply with Lebanese legal and regulatory requirements, resolve disputes and enforce our legal rights. After that, it is securely deleted or anonymised where reasonably practicable.

8. Cookies

Our website may use cookies and similar technologies to remember preferences, maintain security, analyse traffic and improve performance. You can set your browser to refuse or delete cookies; some features may then not work as expected.

9. Third-party websites

Our website may link to third-party websites. We are not responsible for their privacy practices or content, and encourage you to review their privacy policies.

10. Your rights

Subject to applicable Lebanese law, you may have the right to:

• access your personal information;
• correct inaccurate or update incomplete information;
• withdraw consent where processing is based on consent;
• object to certain processing where permitted by law;
• request deletion where legally applicable.

Some requests may be limited where we are required to keep information by law, contract or for legitimate business purposes.

11. Children's privacy

Our website and services are not intended for individuals under 18 without the involvement of a parent or legal guardian. We do not knowingly collect personal information from minors except where legally required for insurance purposes and with appropriate authorisation.

12. Marketing communications

If you choose to receive marketing communications, we may send you information about insurance products, renewals, company updates and offers. You can opt out at any time by following the unsubscribe instructions or contacting us.

13. Changes to this policy

We may update this policy from time to time. Updates will be published on this page with a revised effective date. Continued use of the website after changes means you accept the updated policy.

14. Contact us

For questions about this policy or to exercise your rights, contact UMBrokerage for Insurance and Reinsurance s.a.r.l.:

• Email: info@umbrokerage.com
• Telephone: +961 5 811 531/2
• Address: Fawaz Center, 2nd Floor, Choueifat, Lebanon
• Website: umbrokerage.com