Privacy Policy

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Privacy Policy

Data Protection Notice

We care about your personal data

Expat life Insurance (“we”, “us” “our”), is a financial services intermediary, providing advice on insurance products and services on a cross-border basis. 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 and share with any family members covered under your policy

1. Who is the data controller?

A data controller is the 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 regulation.

2. What personal data will be collected?

We will collect and process various types of personal data about you as follows:

  • Full Name

  • Age / Date of Birth

  • Gender

  • Address

  • Contact Details (email address, telephone numbers)

  • Identification Document Number (i.e. Passport Number)

  • Identification Document

  • IP addresses when visiting our webpage without disabling Cookies

  • Nationality

  • Marital Status

  • Occupation

  • Current Employment Information

  • Location data

  • Previous Employment Information

  • Language

  • Signature

  • Results of Criminal Checks relating to prevention of Fraud and/or Terrorist Activities

  • Dependants / Spouse / Partner / Family Details

We will also collect and process “sensitive personal data” about you such as, for example data resulting from medical reports or from death certificates, your medical claims history, details of physical and psychological health or medical conditions, credit/debit card and bank account details.

3. How will we obtain and use your personal data?

We will collect and use your personal data that you provide to us and that we receive about you, for a number of purposes and with your explicit consent unless applicable laws and regulations do not require us to obtain your explicit consent.

We will process personal data we receive about you from public databases, your employer, your plan sponsor, third parties such as brokers and business partners, other insurers, medical providers, fraud prevention agencies and investigators, search information providers, loss adjustors, surveyors, intermediaries, delegated authorities and lawyers.

For those purposes indicated above where we have indicated that we do not require your explicit consent, we will process your personal data based on our legitimate interests and/or to comply with our legal obligations. Legitimate interests which we use include the recording calls for training purposes and ensuring the network and information security of our systems. We will not use our legitimate interest to process your personal data when your interests, rights and freedoms take priority.

Without your explicit consent, we may also use one of the following grounds:

  • For the protection of your vital interests or the vital interests of another natural person

  • Processing is necessary for the performance of a contract

  • Processing is necessary for compliance with a legal obligation to which the controller is subject

  • Processing is necessary for the establishment, exercise or defence of legal claims or whenever courts are acting in their judicial capacity

  • Where the processing of your personal data is necessary for the legitimate interests of Expat life Insurance or a third party (unless overridden by your interests, rights or freedoms).

In order to purchase a policy with us, we will need your personal data. Any personal data requested will be adequate, relevant and limited to what is necessary. If you do not wish to provide this to us, we will not be able to provide the products and services you request, that you may be interested in, or to tailor our offerings to your particular requirements.

4. Who will have access to your personal data?

We will ensure that your personal data is processed in a manner that is compatible with the purposes indicated above.

For the stated purposes, your personal data may be disclosed to the following parties who operate as third party data controllers:

  • Public authorities, other insurers, co-insurers, re-insurers, insurance brokers, medical providers, lawyers, insurance fraud investigators and banks.

For the stated purposes, we may also share your personal data with the following parties who operate as data processors under our instruction:

  • other Expat life Insurance companies, technical consultants, insurance agents

  • insurance administration service providers that allow us to administer your policy and provide our service to you other service providers including claims administration and medical evacuation and repatriation providers

  • IT, postal, document management vendors; and

  • Advertisers and advertising networks to send you marketing communications, as permitted under local law and in accordance with your communication preferences. We do not share your personal data with non-affiliated third parties for their own marketing use without your permission.

Finally, we may share your personal data in the following instances:

  • In the event of any contemplated or actual reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including any insolvency or similar proceedings); and

  • To meet any legal obligation, including to the relevant ombudsman if you make a complaint about the product or service we have provided to you.

5. Where will my personal data be processed?

Your personal data may be processed both inside and outside of the European Economic Area (EEA) by the parties specified in section 6 above, subject always to contractual restrictions regarding confidentiality and security in line with applicable data protection laws and regulations. We will not disclose your personal data to parties who are not authorized to process them.

6. What are your rights in respect of your personal data?

Where permitted by applicable law or regulation, you have the right to:

-Access your personal data held about you and to learn the origin of the data, the purposes and ends of the processing, the details of the data controller(s), the data processor(s) and the parties to whom the data may be disclosed;

-Withdraw your consent at any time where your personal data is processed with your consent; 

-Update or correct your personal data so that it is always accurate;

-Delete your personal data from our records if it is no longer needed for the purposes indicated above, subject to regulatory personal data retention requirements;

-Restrict the processing of your personal data in certain circumstances, for example where you have contested the accuracy of your personal data, for the -period enabling us to verify its accuracy;

-Obtain your personal data in an electronic format;

-Exercise your right to data portability;

-You have the right to file to the relevant data privacy authority. For this purpose, relevant data privacy authorities are:

  • The supervisory authority of the country where you are resident

  • Data Protection Commission, Ireland, supervisory authority of the country where we are established

You may exercise these rights by contacting us as detailed below providing your name, email address, account identification, and purpose of your request.

7. How can you object to the processing of your personal data?

Where permitted by applicable law or regulation, you have the right to object to us processing your personal data, or tell us to stop processing it. Once you have informed us of this request, we shall no longer process your personal data unless permitted by applicable laws and regulations.

You may exercise this right in the same manner as for your other rights indicated in section 6 above.

8. How long do we keep your personal data?

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 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 anonymised.You can contact us if you require further details about our retention periods. We will not hold or process excessive personal data.

9. How can you contact us?

If you have any queries about how we use your personal data, you can contact us by email or post as follows:

Expat life Insurance

Email: info@expatlifeinsurance.ai

10. How often do we update this data protection notice?

We regularly review this data protection notice. We will ensure the most recent version is available on our website https://www.expatlifeinsurance.ai/ and we will tell you directly when there’s an important change that may impact you.

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