1. Introduction
Welcome to Elevate Insurance Brokerage (“we”, “us”, “our”). We are licensed in the UAE and operate globally, providing expatriates with private medical insurance products from international insurers.

This Privacy Policy explains how we collect, use, share, protect and retain your personal data when you use our website (the “Site”), request a quote, purchase insurance, or otherwise interact with us.

By using our Site or our services you accept the practices described in this policy. If you do not agree, please do not use our Site or provide us with your data

2. Our Commitments
We commit to the following principles in treating your personal data:

• We procesPs personal data fairly and lawfully.

• We collect personal data only for specified, explicit and legitimate purposes.

• We collect only the data that is necessary for those purposes.

• We keep data accurate and up to date.

• We retain data only as long as needed, or as required by applicable law.

• We maintain appropriate technical and organisational measures to protect your personal data.

• We do not sell your personal data to third parties.

3. What Data Do We Collect?
Because we act as an insurance broker providing international private medical insurance, we may collect some or all of the following categories of personal data:

a. For individuals (policyholders, dependants, beneficiaries):

• Name (first, middle, last)

• Postal address (home and/or work)

• Contact details: phone number(s), email address

• Date of birth, age

• Gender

• Nationality

• Job title / occupation

• Family structure (dependants, spouse, children)

• Medical history / health information (for underwriting)

• Lifestyle information (smoking, alcohol consumption, sports/hobbies)

• Existing insurance coverage, claims history

• Payment information (credit card, bank account)

• Preferences regarding insurance products and services

b. For corporate / group schemes (if applicable):

• Business name and registration details

• Employee data (as above: age, nationality, job title, health history)

• Salary or earnings data (if required by insurer)

• Payroll/benefits information

c. Data collected automatically or indirectly:

• Usage data from the Site: IP address, browser type, operating system, pages visited, exit page, time/date stamps, referring URL

• Cookies or similar tracking technologies (see below)

4. How Do We Collect Data?

We may collect data via the following channels:

• Online quote request forms on our Site – you provide data knowingly when you request a quote or apply for cover.

• Email or telephone communications when you contact us for information or we contact you.

• Application forms submitted to insurers via us (paper or electronic).

• Messaging apps / chat (WhatsApp, social media, etc.) if you engage us via those channels.

• Analytics tools on our Site which automatically collect usage data.

• Where applicable: publicly available sources or third parties (for verification, fraud prevention, etc.).

5. Why Do We Collect and Use Your Data?
We use your personal data for the following purposes:

• Arranging, advising on, placing, administering, adjusting and renewing international private medical insurance policies.

• Underwriting, claims support, coordinating with insurers and service providers.

• Complying with our regulatory, professional and contractual obligations (e.g., KYC, AML, related jurisdiction regulations).

• Monitoring and analyzing how you use our Site, improving our website and services.

• Fraud detection, risk management, security, and legal defense.

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6. Who Do We Share Your Data With?
We may share your personal data with the following categories of recipients:

• Insurers and underwriters (to arrange cover, underwriting, claims).

• Third-party administrators, claims handlers, and service providers (e.g., medical network providers, TPA) as needed.

• Our group companies or affiliated offices (if applicable) for internal administration.

• Regulators, government or statutory bodies (when required by law).

• Professional advisers (auditors, legal, compliance).

We do not sell your personal data to third parties.

If your data is transferred to a country outside your jurisdiction, we will ensure appropriate safeguards are used.

7. How Long Do We Keep Your Data?

We retain your personal data for a period of 10 years from the end of your relationship with us, unless you request its removal earlier or a longer period is required by law or regulation.

This allows us to comply with statutory obligations, respond to future claims or audits, and maintain accurate historical records.

8. Cookies and Tracking Technologies

We use cookies and similar technologies on our Site to monitor website effectiveness, improve user experience, gather usage data and enable interactive services.

You can control or disable cookies via your browser settings; however, some features of the Site may not function correctly if you disable cookies.

For full details, see our separate Cookie Policy [link to your Cookie Policy].

9. Security of Your Data

We use appropriate technical, physical, and organizational measures to protect your personal data from unauthorized or unlawful access, disclosure, alteration or destruction. These measures include encryption, access controls, staff training, firewalls, secure servers and backup systems.

Please note that no transmission of data over the internet or remote network can be guaranteed entirely secure; we cannot guarantee absolute security.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will publish the updated version on the Site, indicating the “Last updated” date. We encourage you to check this page periodically

11. Contact Us

For any questions about this Privacy Policy or our data protection practices, please refer to the Contact page on our website for our latest contact details.