PRIVACY POLICY

Last updated: 4th January, 2021

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. This Privacy Policy has been created with the help of the Privacy Policy Generator

PRIVACY POLICY

Last updated: 4th January, 2021

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy. This Privacy Policy has been created with the help of the Privacy Policy Generator

Interpretation and Definitions

Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions
For the purposes of this Privacy Policy:

  • Account means a unique account created for You to access our Service or parts of our Service.

  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Dar Al Takaful, O-14 Base – Business Bay – Dubai, UAE.

  • Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.

  • Country refers to the United Arab Emirates.

  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

  • Personal Data is any information that relates to an identified or identifiable individual.

  • Service refers to the Website.

  • Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.

  • Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.

  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

  • Website refers to Dar Al Takaful, accessible from https://dat.ae/

  • You means the individual accessing or using the Service, or the company, or any other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Interpretation and Definitions

Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions
For the purposes of this Privacy Policy:

  • Account means a unique account created for You to access our Service or parts of our Service.

  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Dar Al Takaful, O-14 Base – Business Bay – Dubai, UAE.

  • Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.

  • Country refers to the United Arab Emirates.

  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

  • Personal Data is any information that relates to an identified or identifiable individual.

  • Service refers to the Website.

  • Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.

  • Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.

  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

  • Website refers to Dar Al Takaful, accessible from https://dat.ae/

  • You means the individual accessing or using the Service, or the company, or any other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

  • Usage Data

Usage Data
Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.

  • Flash Cookies. Certain features of our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash Cookies are not managed by the same browser settings as those used for Browser Cookies. For more information on how You can delete Flash Cookies, please read “Where can I change the settings for disabling, or deleting local shared objects?” available at https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html#main_Where_can_I_change_the_settings_for_disabling__or_deleting_local_shared_objects_

  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. You can learn more about cookies here: All About Cookies by TermsFeed.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies

    Type: Session Cookies
    Administered by: Us

    Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

     

  • Cookies Policy / Notice Acceptance Cookies
    Type: Persistent Cookies
    Administered by: Us
    Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

  • Functionality Cookies
    Type: Persistent Cookies
    Administered by: Us
    Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

     

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data
The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including to monitor the usage of our Service.

  • To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.

  • For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.

  • To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation

  • To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.

  • To manage Your requests: To attend and manage Your requests to Us.

  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.

  • For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.

  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.

  • With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us

  • With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions

  • With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.

  • With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information 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.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation

  • Protect and defend the rights or property of the Company

  • Prevent or investigate possible wrongdoing in connection with the Service

  • Protect the personal safety of Users of the Service or the public

  • Protect against legal liability

Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

  • Usage Data

Usage Data
Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.

  • Flash Cookies. Certain features of our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash Cookies are not managed by the same browser settings as those used for Browser Cookies. For more information on how You can delete Flash Cookies, please read “Where can I change the settings for disabling, or deleting local shared objects?” available at https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html#main_Where_can_I_change_the_settings_for_disabling__or_deleting_local_shared_objects_

  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. You can learn more about cookies here: All About Cookies by TermsFeed.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies

    Type: Session Cookies
    Administered by: Us

    Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

     

  • Cookies Policy / Notice Acceptance Cookies
    Type: Persistent Cookies
    Administered by: Us
    Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

  • Functionality Cookies
    Type: Persistent Cookies
    Administered by: Us
    Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

     

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data
The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including to monitor the usage of our Service.

  • To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.

  • For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.

  • To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation

  • To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.

  • To manage Your requests: To attend and manage Your requests to Us.

  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.

  • For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.

  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.

  • With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us

  • With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions

  • With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.

  • With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information 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.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation

  • Protect and defend the rights or property of the Company

  • Prevent or investigate possible wrongdoing in connection with the Service

  • Protect the personal safety of Users of the Service or the public

  • Protect against legal liability

Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us

Contact Us

If you have any questions about this Privacy Policy, You can contact us

How we use your information and who we share it with

Your privacy is very important to us and we have designed our Privacy Policy with the objective of maintaining your trust, confidence
and respecting your right of protecting your personal information. We will use your information to manage your insurance with us,
including underwriting, claims handling and statistical analysis. This may include disclosing your information within the Dar Al
Takaful and to agents, suppliers, other insurers, or reinsurers who provide services on our behalf.

We do not disclose your information to anyone outside the Dar Al Takaful except:

Where we have your permission; or

Where we are required or permitted to do so by law; or

To other companies who provide a service to us or you; or

Where we may transfer rights and obligations under this Privacy
Policy

We may transfer your information to other countries including those located outside the Gulf Area. If we do this we will seek to
ensure that anyone to whom we pass it provides an adequate level of protection.

Use of your Personal Information

Your “personal information” means any information that you have given to us, or third parties, in connection with a service or
product offered whether through use of this web site, by phone, in person or in writing.

We take your privacy very seriously and are committed to protecting your personal information.

When you buy a product or service from us, you will have access to a policy document relating to that product or service. If there is
any conflict between the terms of this privacy statement and those of the specific privacy statement that applies to a particular
product, then the terms of the latter will prevail.

This document should be shown to anyone else who is covered by, or a party to, any services or policies you buy from us. We may
make changes to this privacy statement from time to time. Such changes will be effective from the time they appear on the Site. You
can check the effective date at the end of document allows you to determine whether there have been changes since the last time
you reviewed the policy. Therefore, you should remember to check this privacy statement from time to time.

Use of your Personal Information

Your “personal information” means any information that you have given to us, or third parties, in connection with a service or
product offered whether through use of this web site, by phone, in person or in writing.

We take your privacy very seriously and are committed to protecting your personal information.

When you buy a product or service from us, you will have access to a policy document relating to that product or service. If there is
any conflict between the terms of this privacy statement and those of the specific privacy statement that applies to a particular
product, then the terms of the latter will prevail.

This document should be shown to anyone else who is covered by, or a party to, any services or policies you buy from us. We may
make changes to this privacy statement from time to time. Such changes will be effective from the time they appear on the Site. You
can check the effective date at the end of document allows you to determine whether there have been changes since the last time
you reviewed the policy. Therefore, you should remember to check this privacy statement from time to time.

Collection of Information

We collect information strictly in accordance with the international standards of Data Protection. When we collect personal
information directly from you, if you ask for a quote or purchase a product or service from us we will do our best to ensure that
information is kept up to date and accurate. Please assist us in this by advising us of any changes as soon as possible.

We are constantly striving to improve the quality of our service and the efficiency of our systems and so, from time to time, we may
use your personal information during staff training and/or system testing

Collection of Information

We collect information strictly in accordance with the international standards of Data Protection. When we collect personal
information directly from you, if you ask for a quote or purchase a product or service from us we will do our best to ensure that
information is kept up to date and accurate. Please assist us in this by advising us of any changes as soon as possible.

We are constantly striving to improve the quality of our service and the efficiency of our systems and so, from time to time, we may
use your personal information during staff training and/or system testing

Exchange of Information

At various times, we will exchange personal information with certain other approved organizations for underwriting and fraud
prevention purposes and we may provide such information to others where required or permitted by law. Also, your personal
information will sometimes be used and analyzed by us and other companies in the Dar Al Takaful for the following purposes:

  • Managing and administering products and services that we supply – in the case of insurance products this will include
    underwriting, reinsurance and claims handling purposes and may include disclosing your information to other insurers,
    reinsurers, regulatory authorities or to our agents who provide services on our behalf;

  • Considering any applications for products you may make and to help in making credit-related decisions about you where
    appropriate;

  • Servicing other relationships you may have within the Dar Al Takaful;

  • Financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention

  • Assisting in making decisions on insurance proposals, other products and any claims made by you, members of your
    household, and others connected with your insurance proposals and claims; and

  • Helping us and the Dar Al Takaful to develop new and innovative products and services.

We may send data in confidence for processing to other companies within the Dar Al Takaful (or companies acting on their
instructions) including those operating outside Gulf Region. By entering your details onto our website you are consenting to such
use of your personal data.

Disclosure of your information to a third party outside of the Dar Al Takaful will only be made where the third party has agreed to
keep your personal information strictly confidential and use it only for the specific purpose for which we provide it to them and:

  • It is necessary for the performance of any product/service agreement we have with you; You have given your consent to
    the disclosure;

  • Such disclosure is required or permitted by law;

  • We are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase;

  • Any such third party provides benefits or services to you under or in connection with any product/service agreement with
    you; or

  • It is a credit reference or fraud prevention agency.

Enhancements in technology may result in changes in the way we view, record and use your personal information. If we think the
changes could be to your disadvantage, we will advise you, by email and by posting a notice of amendment on the Site, at least 30
days before the changes become effective. If you then continue to use a service or product for a further 60 days we will assume you
have consented to the changes.

Exchange of Information

At various times, we will exchange personal information with certain other approved organizations for underwriting and fraud
prevention purposes and we may provide such information to others where required or permitted by law. Also, your personal
information will sometimes be used and analyzed by us and other companies in the Dar Al Takaful for the following purposes:

Managing and administering products and services that we supply – in the case of insurance products this will include
underwriting, reinsurance and claims handling purposes and may include disclosing your information to other insurers,
reinsurers, regulatory authorities or to our agents who provide services on our behalf;

Considering any applications for products you may make and to help in making credit-related decisions about you where
appropriate;

Servicing other relationships you may have within the Dar Al Takaful;

Financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention

Assisting in making decisions on insurance proposals, other products and any claims made by you, members of your
household, and others connected with your insurance proposals and claims; and

Helping us and the Dar Al Takaful to develop new and innovative products and services.

We may send data in confidence for processing to other companies within the Dar Al Takaful (or companies acting on their
instructions) including those operating outside Gulf Region. By entering your details onto our website you are consenting to such
use of your personal data.

Disclosure of your information to a third party outside of the Dar Al Takaful will only be made where the third party has agreed to
keep your personal information strictly confidential and use it only for the specific purpose for which we provide it to them and:

It is necessary for the performance of any product/service agreement we have with you; You have given your consent to
the disclosure;

Such disclosure is required or permitted by law;

We are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase;

Any such third party provides benefits or services to you under or in connection with any product/service agreement with
you; or

It is a credit reference or fraud prevention agency.

Enhancements in technology may result in changes in the way we view, record and use your personal information. If we think the
changes could be to your disadvantage, we will advise you, by email and by posting a notice of amendment on the Site, at least 30
days before the changes become effective. If you then continue to use a service or product for a further 60 days we will assume you
have consented to the changes.

Preventing and Detecting Fraud

We may, at any time, employ the following processes and system to prevent and detect fraud

  • Share your information across the Dar Al Takaful, with other insurers and, the international Data Protection Standards, the
    police and other law enforcement agencies

  • Pass your details to centralized insurance applications and claims checking systems by, or on behalf of, or shared with
    other insurers. These may include, for example, Insurance Hunter and the Claims and Underwriting Exchange Register

  • Check your details with fraud prevention agencies and, if you give us false or inaccurate information and we suspect fraud,
    record this with the fraud prevention agency.

  • We and other organizations may also use and search these records to:

  • Help make decisions about credit and credit-related services for you and members of your household

  • Help make decisions on motor, household, credit, life and other insurance proposals and claims for you and members of
    your household;

  • Trace people who owe money, recover debt, prevent fraud and to manage your insurance policies;

  • Check your identity to prevent money laundering, unless you give us satisfactory proof of identity; and

  • Carry out credit searches, electoral role searches and further fraud searches.

Exchange of Information

At various times, we will exchange personal information with certain other approved organizations for underwriting and fraud
prevention purposes and we may provide such information to others where required or permitted by law. Also, your personal
information will sometimes be used and analyzed by us and other companies in the Dar Al Takaful for the following purposes:

Managing and administering products and services that we supply – in the case of insurance products this will include
underwriting, reinsurance and claims handling purposes and may include disclosing your information to other insurers,
reinsurers, regulatory authorities or to our agents who provide services on our behalf;

Considering any applications for products you may make and to help in making credit-related decisions about you where
appropriate;

Servicing other relationships you may have within the Dar Al Takaful;

Financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention

Assisting in making decisions on insurance proposals, other products and any claims made by you, members of your
household, and others connected with your insurance proposals and claims; and

Helping us and the Dar Al Takaful to develop new and innovative products and services.

We may send data in confidence for processing to other companies within the Dar Al Takaful (or companies acting on their
instructions) including those operating outside Gulf Region. By entering your details onto our website you are consenting to such
use of your personal data.

Disclosure of your information to a third party outside of the Dar Al Takaful will only be made where the third party has agreed to
keep your personal information strictly confidential and use it only for the specific purpose for which we provide it to them and:

It is necessary for the performance of any product/service agreement we have with you; You have given your consent to
the disclosure;

Such disclosure is required or permitted by law;

We are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase;

Any such third party provides benefits or services to you under or in connection with any product/service agreement with
you; or

It is a credit reference or fraud prevention agency.

Enhancements in technology may result in changes in the way we view, record and use your personal information. If we think the
changes could be to your disadvantage, we will advise you, by email and by posting a notice of amendment on the Site, at least 30
days before the changes become effective. If you then continue to use a service or product for a further 60 days we will assume you
have consented to the changes.

Additional Products

If you are an existing customer of Dar Al Takaful and purchasing additional product/service from us, your details will be passed to
the appropriate provider as shown below:

  • Breakdown Claims – IMC Holdings

  • Replacement Cars – IMC Holdings

Credit Reference Agencies

We make searches about you at credit reference agencies who will supply us with information, including your credit information.
The agencies will record details of the search whether or not this application precedes. We may use scoring methods to assess this
application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference
agencies, about you and those with whom you are linked financially may be used by us if you, or other members of your household,
apply for other facilities including insurance applications and claims. This information may also be used for debt tracing and the
prevention of money laundering as well as the management of your account.

Additional Products

If you are an existing customer of Dar Al Takaful and purchasing additional product/service from us, your details will be passed to
the appropriate provider as shown below:

  • Breakdown Claims – IMC Holdings

  • Replacement Cars – IMC Holdings

Credit Reference Agencies

We make searches about you at credit reference agencies who will supply us with information, including your credit information.
The agencies will record details of the search whether or not this application precedes. We may use scoring methods to assess this
application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference
agencies, about you and those with whom you are linked financially may be used by us if you, or other members of your household,
apply for other facilities including insurance applications and claims. This information may also be used for debt tracing and the
prevention of money laundering as well as the management of your account.

Use of Personal Information for Marketing Purposes

The information you supply may be used by us, other members of the Dar Al Takaful and carefully selected Third Parties for
research purposes or to inform you of other products or services that may be of interest to you, unless you have advised us
otherwise. On each occasion that we contact you for these purposes, you will always be given the option to opt out of any further
communication.

If you have provided your contact information to us and would prefer not to receive marketing information, or to participate in
research, simply contact us to let us know.

Use of Personal Information for Marketing Purposes

The information you supply may be used by us, other members of the Dar Al Takaful and carefully selected Third Parties for
research purposes or to inform you of other products or services that may be of interest to you, unless you have advised us
otherwise. On each occasion that we contact you for these purposes, you will always be given the option to opt out of any further
communication.

If you have provided your contact information to us and would prefer not to receive marketing information, or to participate in
research, simply contact us to let us know.

Dealing with Other People

If your spouse or partner contacts us on your behalf, due to data protection, we will be unable to answer their queries. However, if
you require your spouse, partner or another third party to be able to discuss your policy, please contact Dar Al Takaful and inform
us of whom you would like to speak on your behalf. However, this will exclude them from being able to cancel the policy as we require speaking to the policyholder regarding cancellations.

We will not reveal any credit or debit card numbers to anyone other than the policyholder.

Dealing with Other People

If your spouse or partner contacts us on your behalf, due to data protection, we will be unable to answer their queries. However, if
you require your spouse, partner or another third party to be able to discuss your policy, please contact Dar Al Takaful and inform
us of whom you would like to speak on your behalf. However, this will exclude them from being able to cancel the policy as we
require speaking to the policyholder regarding cancellations.

We will not reveal any credit or debit card numbers to anyone other than the policyholder.

Sensitive Personal Information

To provide you with some of our products or services, we may need to collect and process sensitive personal information (such as
information about any criminal convictions or the state of your health) about you and others who are a party to the service or
product. We will only use sensitive personal data for the specific purpose for which you provide it. Please ensure that you only
provide us with sensitive information about other people with their express agreement.

Sensitive Personal Information

To provide you with some of our products or services, we may need to collect and process sensitive personal information (such as
information about any criminal convictions or the state of your health) about you and others who are a party to the service or
product. We will only use sensitive personal data for the specific purpose for which you provide it. Please ensure that you only
provide us with sensitive information about other people with their express agreement.

Cookies

A cookie is a piece of information stored on the hard drive of a computer by a web server to enhance and simplify a website user’s
experience by identifying a user if he or she has previously accessed that website. Cookies are commonly used on the Internet and
cannot harm a user’s computer system. You can find out more about the way cookies work on cookie central.

The cookies used on the Site do not include any information that others could read and understand about you such as your name or
any account or policy number. They contain no personal information about you.

Most Internet browsers allow you to turn off the cookie function. If you want to know how to do this please look at the help menu on
your browser. However this will restrict the services you can use.

Cookies

A cookie is a piece of information stored on the hard drive of a computer by a web server to enhance and simplify a website user’s
experience by identifying a user if he or she has previously accessed that website. Cookies are commonly used on the Internet and
cannot harm a user’s computer system. You can find out more about the way cookies work on cookie central.

The cookies used on the Site do not include any information that others could read and understand about you such as your name or
any account or policy number. They contain no personal information about you.

Most Internet browsers allow you to turn off the cookie function. If you want to know how to do this please look at the help menu on
your browser. However this will restrict the services you can use.

Further Information

You should be aware that any telephone calls made to us may be recorded for monitoring and training purposes and to assist us in
preventing and detecting fraud. Therefore, your use of this means of communication means that you accept and consent to this.

Further Information

You should be aware that any telephone calls made to us may be recorded for monitoring and training purposes and to assist us in
preventing and detecting fraud. Therefore, your use of this means of communication means that you accept and consent to this.

Copyright And Trademarks

Dar Al Takaful owns the trademarks, logos and service marks displayed on this website. These may not be used without the written
permission.

Materials on this site are protected by copyright. No part of these materials may be modified, reproduced, stored in a retrieval
system, transmitted, copied, distributed or used in any other way for commercial or public purposes without Dar Al Takaful’s prior
written consent.

Copyright And Trademarks

Dar Al Takaful owns the trademarks, logos and service marks displayed on this website. These may not be used without the written
permission.

Materials on this site are protected by copyright. No part of these materials may be modified, reproduced, stored in a retrieval
system, transmitted, copied, distributed or used in any other way for commercial or public purposes without Dar Al Takaful’s prior
written consent.

Policy Updates

This privacy statement has been updated recently. Last update: 01 January 2013

Policy Updates

This privacy statement has been updated recently. Last update: 01 January 2013