Website/Mobile Application Privacy Notice
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by the Company.
Who are We?
Takaful as defined under the law is the “data controller/ manager” who determines the means and purposes of processing your personal data and also the “data processor” who processes your personal data.
Collection of Your Personal Information:
Takaful website/mobile application collects your personally identifiable information, such as: Name, Email Address, Mobile Number and other contact information.
When you visit our website/mobile application, we may collect information about your computer, including where available, your IP address, operating system, and browser type, for system administration. This is statistical data about our users’ browsing actions and patterns and does not identify you personally.
Also, we collect your visits to our website/mobile application including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise to check the resources that you access.
We may obtain information about your general internet usage by using cookies, which is stored on your device’s hard drive or browser. They help us to improve our website/mobile application and to deliver a better and more personaliswed service. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you. No personally identifiable information is stored in the cookies.
You can accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, if you choose to decline cookies, you may not be able to fully experience the interactive features of our website/mobile application.
Use of Your Personal Information:
This website/mobile application collects and uses information to deliver the services that you have requested and to maintain quality of the service.
If you provide information when filling in forms available on our website/mobile application e.g. Enquiry Form or Complaints/Suggestions/Feedback Form, or when you report a problem with our website/mobile application, we may keep a record of that correspondence. We will not collect your personal information unless you choose to use and receive online services that require it.
Contact information you provide is used to notify you of new products and services, or to communicate news. Demographic and profile data collected at our website/mobile application is used for marketing purposes only and will never be sold on an individual basis.
We use a credit\debit card processing companies to bill users for insurance services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes beyond filling your order.
We partner with other parties to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third parties to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.
Disclosure of your Information:
We may disclose your personal information to our group companies/ entities, if required for operational requirements and legitimate business interest.
We may disclose your personal information to third parties if:
We are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligations.
We have to protect the rights, property, or safety of Group, our customers, or others.
We sell or buy any business or assets; in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
Takaful or substantially all of its assets are acquired by another party, in which case personal data held by it about its customers will be one of the transferred assets.
This includes exchanging information with other companies, organisations, and institutions for the purposes of fraud protection and credit risk reduction and where required to do so by any competent court, the Central Bank of Bahrain, or any other official authority.
Retention Period of Your Personal Information:
Takaful keeps your personal data in accordance with the criteria that includes the validity of the contract, legal retention period requirements, to fulfil its intended purposes and historical archiving. We securely destroy and erase your personal data to ensure that it cannot be restored after exceeding the specified retention period.
Your Rights as a Data Subject:
You have the right to:
Request access to your personal data in which it will enable you to obtain a copy of your personal data held by us and to enable you to verify that Company is collecting and processing your data lawfully.
Request us to amend your data when it is inaccurate or incomplete.
Request us to remove your data when:
The purpose of which your data has been collected is no longer valid.
Your personal data is processed in an unlawful basis.
The deletion is necessary for compliance with the law.
Your data is inaccurate.
Request us to block or restrict further processing of your personal data.
Request us to provide you with your data in a structured format in order to be used and stored for further personal use.
Submit a complaint when your personal data is being used for the purpose of direct marketing resulting in financial loss or moral damage to you or for the purpose of making a decision which is based on automated processing including profiling where such processing may have legal ramifications or significantly affect your rights.
Withdraw your consent at any time to processing or transferring your personal data for specific reason.
We have the right to reject your request. We will inform you within 15 days of receiving the request on rejecting the request and explanation of the rejection.
In case your request is incomplete, we will inform you within 10 days if any documents are missing to complete your request. You have the right to lodge a complaint to Bahrain’s Personal Data Protection Authority. The Personal Data Protection Authority is the authority established under the provisions of Article (27) of the Personal Data Protection Law.