Kuwait Qatar Insurance Company (“we”, “us” “our”), is a leading insurance company that brings innovative and tailor-made insurance solutions coupled with world-class level of service. Protecting your privacy is a top priority for us. This privacy notice explains what type of personal data will be collected, how and why it is collected and to whom it is shared or disclosed. Please read this notice carefully:
A data controller is an individual or legal person who controls and is responsible to keep and use personal data in paper or electronic files. We are the data controller as defined by relevant data protection laws and regulations.
The personal data collected will depend upon the nature of the relationship between us. In case of an insured person, this will also depend upon the type of insurance policy. We will collect and process several types of personal data about you as mentioned below:
| Type of Personal Information | Details |
|---|---|
| Individual / Know Your Customer (KYC)Details | Name, address, other contact details (e.g. email and telephone numbers), date and place of birth, nationality, employer, job title |
| dentification Details | Identification numbers issued by government bodies or agencies, including passport number, National ID number and driving license number |
| Financial Information | Bank account, income, or other financial information |
| Risk Details | Information needed to collect in order to assess the risk to be insured and provide a quote. This may include data relating to health, or other special categories of personal data. |
| Policy Information | Information about the quotes received by data subjects and policies they take out |
| Anti-Fraud Data | Credit history, bank card/account details, sanctions, and criminal convictions, and information received from various anti-fraud databases |
| Previous and Current Claims | Information about previous and current claims, (including other unrelated insurances), which may include data relating to health, criminal convictions, or other special categories of personal data and in some cases, surveillance reports. |
| Special Category Data | Certain categories of personal data which have additional protection under the applicable laws and regulations. The categories may include health and criminal convictions. This includes data resulting from medical reports or death certificates, your medical claims history, details of physical and psychological health or medical Conditions, credit / debit card and bank account details. |
| Visitor Management and Surveillance Data | Personal information such as visitor name, mobile number, national ID, CCTV surveillance |
We will collect and use your personal data that you provide to us and that we receive about you (as explained below) for a number of purposes and with your explicit consent unless applicable laws and regulations do not require us to obtain your explicit consent, as shown below:
| No. | Purpose | Explicit consent needed? |
|---|---|---|
| 1. | Insurance contract administration (e.g., quotation, underwriting, claims handling) | Yes, where needed. However, there will be situations where consent is not required for us to process your personal data, for example in cases of medical emergency. |
| 2. | To administer debt recoveries | No |
| 3. | To inform you or permit KQIC and selected third parties to inform you, about products and services we feel may interest you in accordance with your marketing preferences. You may withdraw this consent through the consent withdrawal option | Yes |
| 4. | To personalize your experience on our website or mobile application by presenting products, services, marketing messages, offers and content tailored to you and to make other decisions about you using computerized technology such as assessing which products might be most suitable for you. | Where needed |
| 5. | When processing claims we may use automated decisionmaking technology to process your personal data. | Where needed |
| 6. | Fraud, Money Laundering, and Terrorist Financing prevention and detection | No |
| 7. | Meet any legal obligations (e.g., tax, accounting and administrative obligations) | No |
| 8. | To redistribute risk by means of reinsurance and coinsurance | No |
We may share your data with the institutions set out below for them to use to the same extent, and for the same purposes as us.
Subject to the applicable laws, you may exercise the following rights: –
The personal data collected, as referred to in section 3 of this Privacy Notice, will be retained for a period of time which is equal to the duration of your policy with us (including any renewals thereof) and for the following 10 years from the date the policy expires, save for cases where a longer retention period is required for necessary purposes including possible disputes, requests of the competent authorities or pursuant to the applicable laws. Once the retention period is over the data will be deleted or anonymized. You can contact us if you require further details about our retention periods. We will not hold or process excessive personal data.
If you have any queries about how we use your personal data, you can contact us by email or post as follows:
Email Address: saleh.muhannadi@qicgroup.com.qa
Phone: +974 4496 2297
Fax: +974 4483 1569
Postal Address:
Kuwait Qatar Insurance Co.
Khalid Bin Waleed Street, Al Shaheed Tower-M1,
Kuwait City,
Kuwait P.O Box: 25137
If you have any queries about how we use your personal data, you can contact us by email or post as follows:
We regularly review this data protection notice. We will ensure the most recent version is updated in all the data collection forms.
