“We”, “us”, “AGIB” or “our” refers to indurancedeal.ae, an e-channel of AL Ghandi Insurance Broker LLC, Showroom #18, AL Ghandi Complex, Ras AL Khor, Dubai, United Arab Emirates (Registered Number 254). Al Ghandi Insurance Broker is part of the Al Ghandi Auto group of companies.

Processing your data

The personal data you provide us will be passed to our insurer partners and third-party providers as part of providing our services to you and providing you with quotes. When you decide to proceed with one of our insurer partners or third-party providers you’ll also become subject to the privacy policy displayed on their website, and we encourage you to read it.

Certain insurers/providers may compare your personal data against data they, or the company behind the brand they represent or their group of companies, already hold on you from existing products or services. They may share this with their underwriters to analyze market trends or to assess membership and transactions against certain loyalty schemes and apply a discount if applicable.

Some of our service providers may also process your personal data in other countries.

We collect personal data and may collect special category personal data, as part of providing services to you and operating our business.

The following are examples of the types of personal data that we may collect directly from you, about you, and/or from other sources, including third parties, business partners, our affiliates, or publicly available sources.

Personal data you give to us

Personal data

Examples of personal data we may collect include:

• Names and titles
• Physical address and address history
• Contact details including telephone numbers and email addresses
• Date of birth
• Gender
• Lifestyle and other information

Special category personal data

Examples of special category personal data we may collect include:

• Medical history
• Claims history

We may also indirectly collect other special category personal data during any fraud investigations.

Driving license number

Where you provide your driving license number, insurance providers may use this to confirm your license entitlement and driving history with the MOI. Insurance providers can only confirm license entitlement in England, Scotland and Wales. The information provided by the MOI is:

• Type of license held
• Length of time the license has been held for
• Entitlements to drive
• Penalty points
• Convictions
• Conviction details
• Disqualifications

The information provided by the MOI may be used alongside other data you’ve provided:

• To calculate a motor insurance quote
• For anti-fraud purposes

You must check that the personal data you provide is correct, complete, accurate, and not misleading. Failure to do so may affect the products and services we can provide.

Data we collect about you

Online behavior

When you use our websites or apps, we automatically collect data about your device, including your IP address, data about your visit (including how you got to our websites), and how you use our services. We may combine this data with other data you have provided to us or which we have received from other sources.

Call recording and monitoring

In accordance with UAE laws, we may monitor or record calls, emails, SMS messages, or other communications for:

• Business purposes such as quality control and training
• Processing necessary for entering into or performing of a contract
• Prevention of unauthorized use of our telecommunication systems and websites
• Ensuring effective systems operation
• Meeting any legal obligation
• Protecting your vital interests
• Prevention or detection of crime
• For the legitimate interests of the data controller

Data we receive from other sources

We work closely with third parties (for example, business partners, advertising networks, analytics providers, and search information providers) and may receive information about you from them. This could include socio-demographic information and information about your likely interests based on your previous web browsing and purchases. We may combine this information with other information you have provided to us or which we collected about you.

If you use any of the other websites or services provided by the AGIB or Al Ghandi Auto Group, we may receive information about you or your device about that use, including your name, email address, identifiers, IP address, information about your visits, and how you use our services.

We’ll use your data in the following ways:

Providing our services to you and fulfilling your requests

• As part of our price comparison service, data collected will be passed to our partners (e.g. insurers and third-party providers), and other third parties, to improve pricing accuracy for products you have expressed an interest in, as noted in the ‘Processing your data’ section above.
• Verifying your identity when required.
• Tracking and verifying sales with our partners and third-party providers.

Service improvement and account management

• Ensuring that our content is presented most effectively for you and your device.
• Processing and administering your insurancedeal.ae rewards.
• Undertaking market research, statistical analysis, and product development, which includes our insight services that are available to our partners and subscribers to help them understand customer behaviors and improve their products and services for your benefit.
• Creating, managing, and operating your account with us, including sending associated service messages.
• For business administration like troubleshooting, data analysis, testing, and survey purposes.
• Protecting our interests and those of third parties and as part of our efforts to keep our services safe and secure.
• We may use your data to make decisions about you using computerized technology to profile you, such as assessing which products and services might be of interest to you.

Marketing

• Keeping you informed about promotions and new developments. This could be by email or social media, where we’re legally permitted to do so and you’ve not asked us to stop keeping you up to date.
• To provide you with personalized advertising about our products and services based on your online activity. We use the data we have to improve our advertising systems so we can show you relevant interest-based advertising. For example, we may share your hashed email address with Facebook, which is why you may see insurancedeal. ae advertisements on Facebook after you have used our services.
• Measuring and understanding the effectiveness of advertising we serve to you and others and ensuring you don’t see the same ads too frequently.
• Delivering relevant advertising to you on websites operated by AGIB or third parties or in direct communications from us, which may use inferences about your likely interests based on your activity on websites operated by AGIB or third parties.

For more information about our marketing please read “Marketing and your preferences” and our “Cookie policy”.

insurancedeal. ae is part of AGIB. We share IT infrastructure with other AGA Companies, and so we may share your personal data with those AGA Companies to help store your data efficiently and securely. Other AGA Companies may use your personal data to help provide you with services that you request from those AGA Companies (for example, to help you manage your home) and to provide you with relevant recommendations for other AGA services and products. These recommendations may use inferences about your interests based on your activity on our websites and apps and other websites and apps operated by other AGA Companies.

We may also share your personal data with third parties for the following reasons:

If we sell or buy any business or assets

If we sell or buy any business or assets, we may disclose your personal data to the prospective seller or buyer of that business or those assets, along with its professional advisers. If AGA (or substantially all of its assets) is acquired, personal data held by it its users will be one of the transferred assets.

To obtain professional advice

We may disclose your personal data to obtain professional advice (for example, from lawyers or financial advisors).

Legal basis for processing

Our legal basis for processing your personal data for the purposes described above will typically be one of the following:

Contract

We must process your personal data to perform a contract to which you are a party, or to take steps at your request before you enter into a contract.

Consent

You have consented to us using your personal data for this purpose (for example, when you agree to our use of cookies for particular purposes). You can withdraw your consent at any time by deleting the data from your account or updating your preferences.

Legitimate interests

There are certain circumstances where we process your personal data for our legitimate business interests. These can be for commercial or societal reasons. For us to process your data, we’ll always balance our interests against your own to ensure it’s fair.

Examples of processes where we rely on legitimate interest include:

• Sharing data with our suppliers and service providers to generate a quote.
• Delivering our insurancedeal.ae rewards scheme when you get insurance from our Car, Home, Health, ..etc. Your data will be shared with The Marketing companies to enable them to verify qualifying insurance purchases and deliver the insrancedeal.ae rewards you have chosen.
• Fraud detection and prevention.
• Engaging and contacting you throughout the lifecycle of your insurancedeal.ae account to ensure you have a good experience as a valued customer.
• Engaging you and contacting you at renewal to remind you of our service and to provide renewal quotes.
• Internally auditing our processes to maintain our high standards.
• Providing a summary of your quote results.
• Market research, statistical analysis, product development, and sharing data with selected third parties to add value to our products and services and those provided by our partners.

Sometimes, we may process your personal data when it is in the legitimate interests of another company, such as another AGA Company.

Legal obligations

We must use your personal data for us or another insurance Company to comply with a legal obligation.

Where you provide us with special category data (for example, information about your health or any previous traffic violations, such as driving offenses), we will seek your explicit consent to process this data.

If you have any further questions, don’t hesitate to contact us. You can email us [email protected], or write to us at:

Marketing

insurancedeal.ae has various offerings and from time to time we’d like to keep you informed of our news, products, or services. This could be by email, WhatsApp, or social media channels.

If you’d rather we didn’t contact you for this purpose, or to confirm the types of products and services that would be of most interest to you, then you can let us know by emailing us at [email protected].

Your details may be used by the product or service provider or, where they’re involved, their appointed representatives, or an intermediary, who provided you with the two cheapest quotes. They may contact you to see if you’re interested in buying a policy, highlighting any special offers or ways they might be able to help you get an even cheaper price with them. They may use an overseas call center to do so.

If you’re subscribed to our renewal reminder service, our systems may re-submit your quote details when your renewal is due (this will be based on the cover start date you entered for your last quote). The quote data will be sent to our panel of providers to calculate their quotes. The cheapest quotes returned will be sent to you by email. If you don’t want to hear from us about your renewal quote, please let us know by updating your preferences in your account settings or email us at [email protected].

We also use online advertising, to keep you aware of what we’re up to and to help you see and find our services.

We target insurancedeal.ae banners and ads to you when you’re on other websites and apps. We do this using a variety of digital marketing networks and ad exchanges. We also use a range of advertising technologies like web beacons, pixels, ad tags, cookies, and mobile identifiers, as well as specific services offered by some sites and social networks, such as Facebook’s Custom Audience service.

We collect data about you through the use of technology such as cookies and device fingerprinting. For more information, view our Cookie Policy.

Managing, disabling, and enabling cookies

We use cookies and similar technologies to distinguish you from other users of our websites and apps (including when you browse third-party websites). This helps us to provide you with a good experience when you use our services (for example, to remember your login details and improve our services). We also use cookies and similar technologies to show you more personalized advertising, including insurancedeal.ae advertisements on other websites. You may adjust the settings on your browser to refuse cookies but some of our services may not work if you do so. For detailed information on the cookies we use and why we use them, please read our Cookie Policy.

We endeavor to treat your personal data as private and confidential. From time to time we may employ agents and subcontractors to process your personal data on our behalf. The same duty of confidentiality and security will apply to them and all processing will be carried out under our instruction.

We would like to bring to your attention our obligations to disclose your personal data in the following four exceptional cases permitted by law, and the other situations set out below. These are:

• Where we are legally compelled to do so
• Where there is a duty to the public to disclose
• Where disclosure is required to protect our interest
• Where disclosure is made at your request or with your consent

If you make a complaint about the service we have provided, we may be obliged to forward details about your complaint, including your personal data, to the relevant ombudsman. Be assured that they are similarly obliged to adhere to the requirements of the GDPR and keep your personal data strictly confidential.

Please note that we and our suppliers may make several checks to assess an application for car finance or verify identities to prevent and detect crime and money laundering. We may also share data at any time for fraud prevention. 

We keep your data for as long as is necessary for the purposes for which it is processed, and in accordance with legal and regulatory requirements. These periods vary depending on the nature of the data and your interactions with us.

This privacy policy was last updated on 07 July 2022. We reserve the right to make changes to this policy and will post any changes on this page, so please check back frequently.

From time to time we may need to change the way we use our personal data. Where we believe you may not reasonably expect such a change we will write to you, giving you reasonable notice of our intended changes.