Last updated: November 8, 2024
Introduction
Caribbean Assurance Brokers Limited (CAB) respects your privacy and is committed to protecting your personal data. This privacy notice explains how we collect, use, and safeguard your personal data as our client.
What Personal Data We Collect
• Personal Identifiers: Name, date of birth, place of birth, TRN, national identification number, driver’s licence, passport
• Demographic Details: Age, gender, marital status, nationality
• Contact Information: Address, email address, telephone number.
• Ownership & Control Information: Names of beneficial owners, ownership percentages.
• Financial Information: Bank account details, credit card information, payment details, transaction history, income documentation.
• Employment Information: Occupation, employment status, name, and address of employer.
• Health Information: Medical reports, medical history, medical diagnosis.
• Service Details: Records of interactions, service preferences, claims history and details, policy information.
• Compliance Information: Politically Exposed Person status, results of sanction list screening.
• Surveillance Data: Footage and images captured by Closed Circuit Television (CCTV) systems.
• Online Activity: Cookies are used to collect your IP address, browser type and version, device type, pages visited on our website, time, and date of visit, referring website or source.
How We Use Your Personal Data
• To arrange and manage your insurance policies and other services, including assisting in assessing coverage needs and coordinating with insurers.
• To communicate with you about your policies and our services.
• To process payments and claims.
• To comply with legal obligations.
• For direct marketing purposes, where explicit consent has been obtained.
• To conduct market research and analysis
• To understand customer preferences and improve the quality of our services.
• Internal and external auditing
• For security, safety, and surveillance on the property
Legal Basis for Processing
• Performance of Contract: To provide the services you have requested.
• Compliance with Legal Obligations: To comply with financial, insurance and AML/CTF/CPF laws and regulations.
• Legitimate Interests: To improve our services and customer experience, ensuring the efficient and effective delivery of our services.
• Consent: For processing sensitive personal data and for direct marketing purposes.
Data Sharing and Transfers
Your data may be shared with regulators, insurers, health care providers and your employer to process claims or provide insurance service to you. We may also share your data with third-party service providers who assist us with payment processing, claims management, auditing, managing the chatbot platform, legal services, and IT services. All third parties are required to comply with data protection regulations.
In specific situations, your personal data may be transferred to other countries, including the USA, UK, Europe, Caribbean and Latin America.
Data Retention
We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including legal, accounting, or reporting requirements.
Your Rights
• Access your personal data
• To be informed about informed about the personal data we collect, how it is used, stored, and shared
• Request correction of inaccurate personal data
• Request deletion of your personal data
• Object to processing or request restriction
• Object to decisions being made solely based on automated processing
• Data portability
• To withdraw consent to processing
It is important to note that some of these rights can only be exercised in specific circumstances. If we are unable to fulfil your request to exercise any of your rights, we will notify you in writing to explain the reason for our refusal.
For any queries or to exercise your rights, contact our Data Protection Officer at dataprotection@cabjm.com
