“Legitimate Interest” means our interest in conducting and managing the activity of CIB. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.
“Comply with a legal obligation” means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to.
“Consent” means that you have given an unambiguous indication of your consent to us processing your personal data for a specific purpose.
IMPORTANT INFORMATION AND WHO WE ARE
Our Site is not intended for use by children.
CIB is responsible for the Site. CIB is the controller and responsible for your personal data in relation to use of the Site.
Full name of legal entity: Chedid Insurance Brokers Network
Email address: email@example.com
Telephone number: +961 5 956 080
You have the right to make a complaint at any time to the relevant regulator. We would, however, appreciate the chance to deal with your concerns before you approach any regulator(s) so please contact us in the first instance.
This Version 1 was last updated on January 2023. Historic versions can be obtained by contacting us.
It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
THE DATA WE COLLECT ABOUT YOU
Data we will collect
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Other than as detailed above under the category of Special Category Data, we do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
If you fail to provide personal data
Where we need to collect personal data by law, or through your use of our Site, and you fail to provide that data when requested, you may not be able to access all or parts of our Site.
HOW IS YOUR PERSONAL DATA COLLECTED?
We use different methods to collect data from and about you including through:
Direct interactions. You may give us your Identity, Contact, Marketing and Communications and Special Category Data by using our Site or filling in forms through our Site. This includes personal data you provide when you:
Third parties or publicly available sources. We will receive personal data about you from various third parties as set out below:
HOW WE USE YOUR PERSONAL DATA
When we will use your personal data
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
Generally, we do not rely on consent as a legal basis for processing your personal data.
Purposes for which we will use your personal data
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our Legitimate Interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
|Purpose/Activity||Type of data||Lawful Basis for processing including basis of Legitimate Interest|
|To manage and administer our Site, business, services and our relationship with you which will include (but is not limited to) communicating with you, posting of contact forms, posting of contact forms as part of an application for a job offer made by Us, , maintaining internal business records, managing our relationship with you and maintaining internal operating processes.||a) Identity
(c) Special Category Data
(d) Marketing and Communications
|Necessary for our Legitimate Interests (for running our business and to respond to a query while making sure that your needs are appropriately satisfied). Necessary for the execution of contractual or pre-contractual measures as part of managing requests from you|
(c) Marketing and Communications
|Necessary to Comply with a legal obligation. .|
|To administer and protect our business, the Site (including technical administration directly linked to service providers (domain name registrar, third-party application maintenance, site security management, troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data).||(a) Identity
(e) Marketing and Communications
|Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) Necessary to Comply with a legal obligation|
|To deliver relevant website content to you and advertisements to you and measure or understand the effectiveness of the advertising we serve to you, to individuals who have registered voluntarily||(a) Identity
(e) Marketing and Communications
|Necessary for our Legitimate Interests (to study how users use our services, to develop them, to grow our business and to inform our marketing strategy)|
|To use data analytics to improve our Site, marketing, manage our relationship and experiences, production of statistics on website traffic and use of the Site||(a) Technical
(d) Marketing and Communications
|Necessary for our Legitimate Interests (to define types of users for our services, to keep our Site updated and relevant, to develop our business and to inform our marketing strategy)|
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. You have the right to object to marketing at any time by contacting us. See Your legal rights below for more information.
Promotional offers from us
We may use your Identity, Contact, Usage, Technical and Marketing and Communications Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).
You will receive marketing communications from us if you have requested information from us and you have not opted out of receiving that marketing.
You can ask us to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you.
Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of your use of our Site or services.
Change of purpose
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
DISCLOSURES OF YOUR PERSONAL DATA
We may share your personal data with the parties set out below for the purposes set out in the table Purposes for which we will use your personal data above:
We require all third parties to respect the security of your personal data and to treat it in accordance with the law.
We share your personal data as outlined in this policy. Your personal data may be transferred to- and maintained on- computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. Therefore, processing of your personal data might involve cross-border transfers of your personal data.
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed, unfortunately we cannot guarantee this. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
How long will you use my personal data for?
We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
By law we have to keep basic information about our customers for ten (10) years after they cease being customers.
In some circumstances you can ask us to delete your data. See Your legal rights below for further information.
In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.
YOUR LEGAL RIGHTS
Under certain circumstances, you have rights under data protection laws in relation to your personal data. You have the right to:
If you wish to exercise any of the rights set out above please contact us at firstname.lastname@example.org, or for any other information or complaint please contact us by e-mail at info@ chedid-insurance.com
No fee usually required
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.