سياسة الخصوصية
1. Overview
Marina Insurance Brokers is committed to protecting the privacy and confidentiality of personal data. This Privacy Notice explains how we collect, use, store, share, and safeguard personal information when providing insurance brokerage and related services. It also outlines your rights under applicable data protection laws in the UAE and other relevant regulators.
2. Data Controller
Marina Insurance Brokers acts as the Data Controller, meaning we determine how and why personal data is processed in connection with our services.
3. Contact Information
Data Protection Officer (DPO)
تمتلك مارينا لوسطاء التأمين
Aradah Street, Abu Dhabi – UAE
Phone: 02-6311130
Email: clientscomplaints@marina.ae
4. Personal Data We Collect
Depending on your relationship with us (client, insured member, claimant, or website visitor), we may collect the following categories of personal data:
Identity & Contact Information: name, address, email, phone number, date of birth
Identification Documents: passport, Emirates ID, driving license, residency details
Financial Information: bank account details, premium payments, salary or income information (where required)
Insurance Information: policy numbers, coverage details, premiums, renewals
Claims & Risk-Related Data: medical information, health status, claims history, accident or incident reports
Regulatory & Compliance Data: anti-fraud checks, sanctions screening, AML/CTF information
Website & Technical Data: IP address, cookies, and browsing behavior (where applicable)
5. Sources of Personal Data
We collect personal data from the following sources:
Direct interactions with clients and policyholders (applications, calls, emails, meetings)
Insurers, reinsurers, intermediaries, and third-party service providers
Regulators, government authorities, and fraud prevention agencies
Publicly available records and databases
Website analytics tools and cookies
6. Purposes of Processing & Legal Basis
We process personal data for the following purposes:
Arranging, placing, and administering insurance policies
Managing and supporting insurance claims
Providing client services, renewals, and advisory support
Conducting underwriting, risk assessment, fraud prevention, and credit checks
Complying with UAE laws, CBUAE regulations, and DOH data protection requirements
Marketing products and services (where legally permitted and with consent)
Operating and securing our website, IT systems, and business processes
Legal bases for processing include:
Performance of a contract
Compliance with legal and regulatory obligations
Legitimate business interests (e.g., service improvement, fraud prevention)
Consent (particularly for marketing and sensitive health-related data)
7. Sharing of Personal Data
We may share personal data with:
Insurers, reinsurers, and other insurance market participants
Claims handlers, loss adjusters, medical providers, and third-party administrators
Regulators, auditors, and government authorities
All third parties are required to protect personal data in accordance with applicable laws.
8. Data Security
We implement appropriate technical and organizational measures to protect personal data against unauthorized access, loss, misuse, or disclosure. These measures include access controls, staff training, system monitoring, and incident response procedures.
9. Data Retention
Personal data is retained only for as long as necessary to meet contractual, legal, or regulatory requirements. Once retention periods expire, data is securely deleted or anonymized.
10. Your Rights
Subject to applicable laws, you have the right to:
Access your personal data
Request correction of inaccurate or incomplete data
Request erasure or restriction of processing
Object to processing based on legitimate interests
Withdraw consent where processing is based on consent
Request data portability
Requests should be submitted to the Data Protection Officer and will be addressed within 30 days.
11. Complaints
If you are dissatisfied with how your personal data is handled, you may submit a complaint directly to us. You also have the right to lodge a complaint with the relevant supervisory authority, including the CBUAE, DOH, or other UAE regulators.
12. Updates to This Privacy Notice
We may update this Privacy Notice from time to time to reflect changes in laws, regulations, or business practices. The latest version will always be available on our website.