2.How We Use Your Information

We use your personal information for legitimate business purposes, including:

• Providing insurance brokerage services
• Obtaining quotations from insurance companies
• Processing insurance applications
• Managing policies and renewals
  Responding to inquiries
• Contacting you regarding your requests
• Providing customer support
• Improving our website and services
• Detecting fraud or misuse
• Complying with legal and regulatory obligations
• Maintaining business records

We only process personal information that is necessary for these purposes.

3. Legal Basis for Processing

Under applicable Lebanese legislation, UM Brokerage processes personal data where:

• you have provided your consent;
• processing is necessary to perform services requested by you;
• processing is required to comply with legal obligations;
• processing is necessary to protect our legitimate business interests, provided that such interests do not override your rights.

4. Sharing Your Information

We do not sell your personal information.

We may share your information with:

• Insurance companies and reinsurers
• Insurance service providers
• Claims administrators
• Loss adjusters
• Medical providers (where necessary)
• IT service providers
• Payment service providers
• Professional advisers
• Government authorities or regulators where legally required
• Courts or law enforcement authorities where required by law

All third parties receiving your information are expected to maintain appropriate confidentiality and security measures.

5. International Data Transfers

Some of our service providers or insurance partners may process personal data outside Lebanon.

Where such transfers occur, we take reasonable measures to ensure that your personal information receives an appropriate level of protection consistent with applicable Lebanese law.

6. Data Security

We implement appropriate technical and organizational measures to protect personal information against:

• Unauthorized access
• Loss
• Theft
• Misuse
• Alteration
• Disclosure
• Destruction

These measures include secure servers, access controls, encryption where appropriate, and internal confidentiality procedures.

Although we strive to protect your information, no internet transmission or electronic storage method can be guaranteed to be completely secure.

7. Data Retention

We retain personal information only for as long as necessary to:

• Provide our services;
• Fulfil contractual obligations;
• Comply with Lebanese legal and regulatory requirements;
• Resolve disputes;
  Enforce our legal rights.

Once information is no longer required, it will be securely deleted or anonymized where reasonably practicable.

8. Cookies

Our website uses cookies and similar technologies to improve user experience and website functionality.

Cookies may be used to:

• remember user preferences;
• maintain website security;
• analyze website traffic;
• improve website performance.

You may configure your browser to refuse or delete cookies. However, disabling cookies may affect certain website functions.

9. Third-Party Websites

Our website may contain links to third-party websites.

We are not responsible for the privacy practices, policies, or content of those websites.

Users are encouraged to review the privacy policies of any third-party sites they visit.

10. Your Rights

Subject to applicable Lebanese law, you may have the right to:

• request access to your personal information;
• request correction of inaccurate information;
• request updating of incomplete information;
• withdraw consent where processing is based on consent;
• object to certain processing activities where permitted by law;
• request deletion of information where legally applicable.

Certain requests may be limited where retention of information is required by law, contractual obligations, or legitimate business purposes.

11. Children’s Privacy

Our website and services are not intended for individuals under the age of 18 without the involvement of a parent or legal guardian.

We do not knowingly collect personal information from minors except where legally required for insurance purposes and with appropriate authorization.

12. Marketing Communications

If you choose to receive marketing communications, we may send information about:

• insurance products;
• policy renewals;
• company updates;
• promotional offers;
  newsletters.

You may opt out of marketing communications at any time by following the unsubscribe instructions or by contacting us.

13. Changes to this Privacy Policy

We reserve the right to amend this Privacy Policy from time to time.

Any updates will be published on this page together with the revised Effective Date.

Continued use of our website following any changes constitutes acceptance of the updated Privacy Policy.

14. Contact Us

If you have any questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact:

UM Brokerage for Insurance and Reinsurance S.A.R.L

• Website : https:/UMBrokerage.com
• Email : info@umbrokerage.com
• Telephone : +961 5 811531
• Address: Choueifat- Fawaz Center – 2nd floor