Overview

Marina Insurance Brokers is committed to protecting the privacy and confidentiality of personal data. This Privacy Notice explains how we collect, use, store, and safeguard personal information in the course of providing insurance brokerage and related services. It also describes your rights under applicable data protection laws in the UAE and Other Regulators.

Data Controller:

Marina Insurance Brokers is the “data controller,” meaning we determine how and why personal data is processed in connection with our services.

Contact Information:

Data Protection Officer (DPO)
تمتلك مارينا لوسطاء التأمين
Aradah Street, Abu Dhabi – AUE
Phone: 02-6311130
Email: clientscomplaints@marina.ae

1. Personal Data We Collect

Depending on your relationship with us (e.g. client, insured member, claimant, or website visitor), we may collect:

• Identity and contact details (name, address, email, phone, date of birth).
• Identification documents (passport, Emirates ID, driving license, residency information).
• Financial information (bank account details, premium payments, salary or income information where required).
• Insurance details (policy numbers, coverage, premiums, renewal information).
• Claims and risk-related data (medical information, health status, claims history, accident/incident reports).
• Regulatory compliance data (anti-fraud, sanctions, AML/CTF checks).
• Website/technical data (cookies, IP address, browsing behavior where applicable).

2. Sources of Personal Data

We collect information from:

• Direct interactions with clients, prospects, and policyholders (application forms, calls, emails, meetings)
• Insurers, reinsurers, intermediaries, or third-party service providers involved in your insurance arrangements
• Regulators, government authorities, credit and fraud prevention agencies
• Publicly available records or databases
• Website analytics and cookies

3. Purposes & Legal Basis of Processing

We process personal data for:

• Arranging, placing, and administering insurance policies
• Handling and supporting claims.
• Providing client servicing, renewal management, and advisory services.
• Conducting risk assessment, underwriting, fraud detection, and credit checks.
• Complying with UAE laws, CBUAE regulations, and DOH data protection requirements.
• Marketing services and products (where legally permitted and with your consent).
• Managing our website, IT systems, and business operations.

Our processing is based on:

• Performance of a contract (insurance policy administration).
• Legal obligations (regulatory and compliance requirements).
• Legitimate interests (business operations, fraud prevention, service improvement).
• Consent (in cases where marketing or sensitive health data is involved).

4. Sharing of Personal Data

We may share personal data with:

• Insurers, reinsurers, and insurance market participants.
• Claims handlers, loss adjusters, medical providers, and third-party administrators.
• Regulators, auditors, and government bodies.

5. Data Security

We maintain strict technical and organizational measures to protect personal data from unauthorized access, misuse, or loss. Regular monitoring, staff training, and breach response procedures are in place to ensure ongoing protection.

6. Data Retention

Personal data is retained only for as long as necessary to fulfill contractual, regulatory, or legal obligations. Once retention periods expire, data is securely deleted or anonymized.

7. Your Rights

Subject to applicable laws, you may:

• Request access to your personal data
• Request correction or updating of inaccurate information
• Request erasure or restriction of data processing
• Object to processing based on legitimate interests
• Withdraw consent (where applicable)
• Request a copy of your data in portable format
• Requests should be submitted to our Data Protection Officer (DPO).

Requests shall be processed within 30 days

8. Complaints

If you are dissatisfied with how we handle your personal data, you may raise a complaint directly with us. You also have the right to complain to the relevant supervisory authority, such as the CBUAE, DOH, or other UAE regulators.

9. Updates to this Notice

We reserve the right to amend this Privacy Notice from time to time to reflect changes in law, regulations, or business practices. The most recent version will always be available on our website.