Privacy Policy for Albaraka Insurance
1. Introduction
Welcome to Albaraka Insurance Company ("Albaraka Insurance," "we," "us," or "our"). We are committed to protecting your privacy and handling your personal data in an open and transparent manner. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, albaraka-insurance.ly, and use our services.
This policy is designed to be compliant with international best practices, including the General Data Protection Regulation (GDPR), to ensure a high standard of data protection for our clients. While Libya does not currently have a specific data protection law, we adhere to the principles of the Libyan Constitution of 2011, which guarantees the right to a private life.
2. Who We Are and How to Contact Us
Data Controller: Albaraka Insurance Company Preceding Aldahra Complex - Aldahra Tripoli, Libya
Contact Information: For any questions or concerns regarding this Privacy Policy or our data protection practices, you can contact us at:
•Email: info@albaraka-insurance.ly
•Phone: +218-91-628-33-33
3. What Information We Collect
We collect various types of personal information to provide and improve our services. The information we collect can be categorized as follows:
Data Category | Examples of Data Collected |
Personal Identification Information | Name, address, phone number, email address, date of birth, national ID number. |
Financial Information | Bank account details, credit card information, payment history. |
Insurance Policy Information | Policy numbers, coverage details, claims history, information about insured assets (e.g., vehicle details, property information). |
Health Information | For life and health insurance, we may collect information about your health status, medical history, and lifestyle. |
Technical Information | IP address, browser type, operating system, and other information collected automatically when you visit our website. |
4. How We Use Your Information
We use the information we collect for the following purposes:
•To Provide and Manage Our Services: To underwrite and issue insurance policies, process claims, and provide customer support.
•To Communicate with You: To send you information about your policy, respond to your inquiries, and provide you with marketing communications (where you have consented).
•To Improve Our Website and Services: To analyze how our website is used, to improve our services, and to develop new products.
•To Comply with Legal Obligations: To comply with applicable laws and regulations, and to respond to lawful requests from government authorities.
5. Legal Basis for Processing Your Data
We process your personal data based on the following legal grounds:
•Contractual Necessity: We process your data to fulfill our contractual obligations to you, such as providing you with an insurance policy.
•Consent: We may process your data for specific purposes, such as marketing, based on your explicit consent. You have the right to withdraw your consent at any time.
•Legitimate Interests: We may process your data for our legitimate interests, such as improving our services, provided that your rights and freedoms are not overridden.
•Legal Obligation: We may process your data to comply with our legal and regulatory obligations.
6. Who We Share Your Information With
We may share your information with the following parties:
•Reinsurers: We may share your information with our reinsurance partners to manage our risks.
•Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as IT providers, payment processors, and claims adjusters.
•Government Authorities: We may share your information with government authorities as required by law.
We will not sell or rent your personal information to third parties for their marketing purposes without your explicit consent.
7. International Data Transfers
As a Libyan company with international reinsurance partners, we may transfer your personal data to countries outside of Libya. When we do so, we will ensure that your data is protected by appropriate safeguards, such as Standard Contractual Clauses, to ensure a level of data protection that is equivalent to that in Libya and that aligns with international standards.
8. How We Protect Your Information
We have implemented appropriate technical and organizational security measures to protect your personal data from unauthorized access, use, or disclosure. These measures include:
•Data Encryption: We use encryption to protect your data both in transit and at rest.
•Access Controls: We restrict access to your personal data to authorized employees and service providers who have a legitimate need to know.
•Regular Security Assessments: We regularly assess our security measures to ensure they remain effective.
9. Your Rights
You have the following rights with respect to your personal data:
•The right to access: You have the right to request copies of your personal data.
•The right to rectification: You have the right to request that we correct any information you believe is inaccurate.
•The right to erasure: You have the right to request that we erase your personal data, under certain conditions.
•The right to restrict processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
•The right to object to processing: You have the right to object to our processing of your personal data, under certain conditions.
•The right to data portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
10. Cookies and Tracking Technologies
Our website may use cookies and similar tracking technologies to enhance your browsing experience and to collect information about how you use our website. You can control the use of cookies through your browser settings.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We encourage you to review this Privacy Policy periodically for any changes.