Oman Insurance Company P.S.C. (“Sukoon”) adheres to the legal and regulatory data protection requirements as is applicable to Sukoon.
By accessing any of our contract channels including our website, downloading or filling or submitting any forms (proposal/claims etc.) / sending emails/ sending sms/ calling Sukoon’s call center/ and/or by providing any data/ information to Sukoon (whether though the Website or otherwise and by any means) you hereby give your unconditional consent to Sukoon to:
a. contact you anytime, through any means (email, sms, phone, etc.) and for any reason including for promoting its products;
b. collect and store your personal information which you provide to us (including by way of cookies) for the time period as may be required by Sukoon;
c. transfer your personal information to servers/our third party affiliates/service providers whether inside or outside the UAE;
d. use your personal information as required by Sukoon for evaluating/ underwriting/ issuing/ administering/ processing your policy/claims etc;
e. disclose your personal information to third party partners as required to issue/ underwrite/ administer / process your policy/ claims, etc. including but not limited to third party administrators, medical providers, brokers, agents, service providers etc; within or outside the UAE
f. disclose and/or report your personal information to legal/regulatory agencies/bodies if and as required by law.
We will at all times treat all confidential information we hold about you as private and confidential and protect it in the same way we would protect our own confidential information and use that information in the ways contemplated. For the avoidance of any doubt, where you have not yet appointed us as your insurer, but in contemplation of such a possible appointment you pass to us information which is proprietary and/or confidential to you, the provisions of this section shall apply as regards such information.
We will however generally not disclose any confidential information we hold about you to others except:
i. to the extent we are required to do so by law or where requested or required to do so by a regulator;
ii. to reinsurers, surveyors, loss adjustors, loss assessors, IT service providers, claim administrators, medical providers, emergency support/assistance providers, additional administrative and/or support service providers, and other like entities or persons, whether inside or outside UAE, to the extent necessary;
iii. to professional advisors, consultants, lawyers, financial institutions, regulatory or government entities, and other like entities or persons, whether inside or outside UAE, to the extent necessary; or
iv. to other Sukoon related Companies to the extent necessary to facilitate the effective management, administration, and/or operation of the businesses.
By way of exception to the foregoing, you agree that we may:
i. use any information you provide to us to create anonymised industry or sector-wide statistics which may be shared with third parties;
ii. share information concerning your reinsurance arrangement with reinsurers or their agents/brokers where this is necessary to enable reinsurers to decide whether to participate in reinsuring your risk or to participate in any arrangement made by Sukoon whereby participating reinsurers agree to reinsure (wholly or partly) a portfolio of risks without necessarily making underwriting decisions on a case by case basis for individual risks within such portfolio; and
iii. collect and use your risk, loss, reserve and claims data in the creation, marketing and commercial exploitation of loss databases, analytical or statistical reports, models and tools, (re)insurance and capital markets products, (any of which may or may not be used in the Services provided to you or in services provided to third parties).