This Privacy Statement explains how Marina Insurance Brokers LLC “MIB” collects, uses, stores, discloses, protects, and otherwise processes personal data and, where relevant, health-related information in connection with our website, insurance brokerage services, policy servicing, renewals, claims support, complaints handling, and compliance with applicable legal and regulatory requirements.

1. Who We Are

MIB is a corporate insurance brokerage firm licensed and regulated by the Central Bank of the United Arab Emirates (CBUAE) under License No. 151, operating in strict compliance with all CBUAE financial and consumer protection regulations. Where our services involve health insurance schemes, MIB additionally operates in full compliance with the sector-specific data governance, cyber security, and confidentiality mandates of the Department of Health – Abu Dhabi (DoH / ADHICS) and the Dubai Health Authority (DHA / DHIC).

2. Scope of this Statement

This Privacy Statement applies to personal data processed by MIB relating to prospective clients, clients, policyholders, insured persons, beneficiaries, dependants, authorised representatives, employees, job applicants, claimants, complainants, website users, service providers, and other individuals whose personal data is provided to MIB in connection with its services or business operations.

3. Categories of Personal Data We Process

Depending on the nature of the relevant service or interaction, MIB may process identification data, contact details, demographic information, policy and insurance details, risk-related information, financial and payment-related information, claims information, complaint-related information, correspondence records, website and technical usage information, and regulatory or compliance information. Where relevant to the requested insurance product, claim, or service, MIB may also process health-related information and other sensitive personal data to the extent necessary and permitted under applicable law and regulatory requirements.

4. Sources of Personal Data

MIB may collect personal data directly from you, from your employer or authorised representative, from insurers, reinsurers, third party administrators, medical providers, loss adjusters, service providers, regulators, publicly available sources, cookies and website tools, and from other lawful sources relevant to the requested insurance services or business relationship.

5. Purposes of Processing

MIB may process personal data for purposes connected with insurance brokerage and related services, including obtaining quotations, arranging or facilitating placement of insurance, underwriting submissions, policy administration, renewals, endorsements, claims support, complaints handling, client communication, website administration, premium follow-up, fraud prevention, sanctions screening, legal and regulatory compliance, audit, recordkeeping, information security, service improvement, and the establishment, exercise, or defence of legal rights and claims.

6. Lawful Basis for Processing

MIB processes personal data only where a valid lawful basis exists under UAE Federal Decree-Law No. 45 of 2021 on Personal Data Protection (PDPL) and other applicable health-data regulatory requirements, including where processing is necessary or permitted in connection with MIB’s role as a licensed insurance broker and the provision of insurance brokerage and related services. Depending on the circumstances, MIB may rely on pre-contractual steps, contractual necessity, legal or regulatory obligation, legitimate interests where lawful, consent where specifically required, or any other lawful basis permitted under applicable law. Consent is not treated as the sole or default basis for all processing.

7. Disclosure and Sharing of Personal Data

MIB may disclose personal data, to the extent necessary and permitted under applicable law and regulatory requirements, to insurers, reinsurers, third party administrators, underwriting agencies, service providers, claims administrators, medical providers, loss adjusters, professional advisers, auditors, regulatory or governmental authorities, and other parties involved in the provision, administration, servicing, renewal, or claims handling of the relevant insurance or related services.

8. Data Location and Cross-Border Transfers

MIB stores and processes personal data in the United Arab Emirates in accordance with applicable law and regulatory requirements. MIB does not ordinarily transfer personal data outside the United Arab Emirates and does not transfer health-related data outside the United Arab Emirates. Where any access, disclosure, or transfer outside the United Arab Emirates is required by law or is strictly necessary for a specific and lawful insurance-related purpose, MIB will ensure that such activity is carried out only in accordance with applicable law, regulatory requirements, and appropriate safeguards.

9. Retention of Personal Data

MIB retains personal data only for as long as necessary for the purposes for which it was collected or processed, including insurance servicing, renewals, claims support, complaints handling, legal and regulatory compliance, audit, recordkeeping, and the establishment, exercise, or defence of legal rights and claims. Retention periods may vary depending on the nature of the data, the type of insurance, and the legal or regulatory requirements applicable to the relevant transaction. Where health-related data is involved, longer retention periods may apply, including retention periods required by law or regulation.

10. Information Security

MIB implements appropriate technical, organisational, and administrative measures to protect personal data against unauthorised or unlawful access, use, disclosure, alteration, loss, destruction, or other misuse, in accordance with applicable law, regulatory requirements, and MIB’s internal policies and procedures. Access to personal data is limited to people who have a legitimate business, legal, or regulatory need to know such information and who are subject to appropriate confidentiality and security obligations.

11. Your Rights

Subject to applicable law and regulatory requirements, individuals may have rights in relation to their personal data, including the right to request access to personal data, correction of inaccurate or incomplete data, restriction of processing, objection to processing in certain circumstances, data portability where applicable, and deletion or erasure where legally permissible. These rights are not absolute and may be limited where processing is required for legal or regulatory obligations, fraud prevention, public interest requirements, recordkeeping obligations, or the establishment, exercise, or defence of legal rights and claims.

12. Cookies and Website Technologies

MIB’s website may use cookies and similar technologies to operate the website, remember user preferences, improve functionality, analyse website traffic, measure performance, and support marketing or communications activities where applicable. Cookies may collect technical and usage information such as IP address, browser type, device information, pages visited, date and time of access, referral source, and on-site activity. Where required, MIB will request cookie preferences or consent through the website’s cookie tools or consent banner. You may also adjust cookie settings through your browser, although doing so may affect website functionality.

13. Cookies and Website Technologies

Requests relating to personal data rights, privacy concerns, or suspected misuse of personal data may be submitted to MIB’s Compliance Function through admin@marina.ae or through the communication channels available on Marina Insurance Broker’s privacy page at marina.ae. General complaints may be escalated through MIB’s designated complaint channels at marina.ae. MIB may request sufficient information to verify the identity and authority of the requester before acting on any such request.

14. Updates to this Statement

MIB may amend or update this Privacy Statement from time to time to reflect changes in law, regulation, regulatory guidance, business operations, website tools, service arrangements, or internal policies and procedures. The latest version will be available on MIB’s website.

To review the full operational and legal terms governing our relationship, please download the Marina Insurance Brokers Terms of Business Agreement (TOBA).