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.

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.

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:

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.

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.

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.

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.

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.

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.

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.

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