; e-tgcinsure | Privacy Policy
In compliance with the Personal Data Protection Act 2010, we will use all means possible to obtain your personal information only upon your consent, record and retain in a secure and safe and protect it from unwarranted disclosure to any third party that has no relation to the operation of our and Insurer’s service to you as well as the process of carrying out the obligation of agreements between you and us and the Insurer(s).

We may need to and/or may be required to collect, use, disclose and store personal information and financial information about you, including but not limited to:
  1. personal information about your identity and background.
  2. personal information about your financial standing and creditworthiness, where required.
  3. personal information about your health where you wish to procure relevant insurance policies offered by us or Insurer(s).

We may obtain this information from you and from a variety of sources, including but not limited to:
  1. through application forms that you agree to fill in, when using our products or services, when using our online or electronic services, when taking part in customer surveys, competitions, and promotions.
  2. through your verbal, written and/or electronic communications with us and/or our principal(s).
  3. from third parties connected with you, such as your employers and/or your other insured parties collected and processed by them and disclosed to us pursuant to their separate privacy policies.
  4. from such other sources which you have permitted to disclose information relating to you and/or where not otherwise restricted.
In instances where you provide us with personal information relating to third parties, you confirm that you have obtained their prior consent to provide us with their personal information in accordance with this Privacy Policy or are otherwise entitled to provide this information to us and for us to use it accordingly.

We may use your personal information for one or more of the following purposes:
  1. assessing, managing, and processing your application(s) for our/Insurer’s products and services
  2. managing and maintaining your insurance policies & business relationship with us and/or the Insurer
  3. understanding your current insurance coverage and future insurance needs. Providing you with information on our and Insurer’s products, services and offers which may be of interest to you.
  4. designing new or enhancing and improving existing products and services provided by us and/or the Insurer.
  5. notifying you on the changes to the features of our and/or Insurer’s products and services.
  6. administering offers, competitions, and promotional/marketing materials
  7. enabling us to carry out our and/or the Insurer’s contractual obligations and services including responding to arbitration/disputes.
  8. updating, consolidating, and improving the accuracy of your personal information in our records.
  9. producing and analysing data, reports and statistics which have been anonymised or aggregated in a manner that may not identify you specifically as an individual, for research purposes.
  10. for audit, compliance, and risk management purposes.
  11. verifying the legitimacy of your entity to make a purchase and utilize our and Insurer’s service to avoid fraud.
  12. to facilitate us and/or Insurer in assessing financial and insurance risks.
  13. assisting in law enforcement purposes, investigations by police or other government or regulatory authorities and to meet requirements imposed by applicable laws and regulations or other obligations committed to government or regulatory authorities.
  14. for any other purpose(s) as notified at the time of collection that is required or permitted by any law, regulations, guidelines and/or relevant regulatory authorities. 
It is voluntary for you to provide us with your personal information, however if you fail to provide such information to us or later withdraw your consent for us to continue processing the same, we may not be able to provide or continue to provide you with the full range of benefits, products and/or services which you have requested from us and we may not be able to fulfil the purposes set out above.

To carry out the purpose(s) stated in this privacy policy we may be required to disclose your personal information to one or more of the following parties:
  1. to insurer(s) providing the coverage to you and/or any other third party involved in the process of claim investigation or background check for example loss adjuster etc
  2. any person notified by you as authorised to give instructions to us or provide information related to you on your behalf.
  3. where required by law, under court order or required and permitted by relevant authorities and laws to assist in fraud/crime investigation or arbitration.
  4. to any third party involved in policy restructuring or acquisition by any of our companies or insurer(s).
  5. when you have given permission
  6. where we are required to meet our obligations to any relevant regulatory authority.
  7. other third parties who assist us in operating our website, conducting our business, or servicing you.
  8. agents, contractors, or service providers who provide operational services to us, such as online cloud storage and processing, marketing optimization, information technology, telecommunications, security, or other relevant services which requires their collection, use or disclosure of your personal data.
Your personal information will only be used by the said parties for the purposes of concluding and/or executing the contractual obligation between us and you and/or for the purposes of which the Personal Data was given so long these parties agree to keep your personal information confidential.

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations or as required by law or authorities, resolve disputes, and enforce our legal agreements and policies.

You can easily access or modify or update your personal information that is provided by you to us during account registration by logging in to your user account. You may proceed to add/edit/delete your personal information and save the changes/updates at your profile page. Your credential is required for these changes to take effect to confirm your identity. To add new information supporting documents maybe required for verification purpose as to avoid fraud.

We hereby reserve the right at any time and without notice to add/update and make any changes to this Privacy Policy. You will be made aware of any changes via message or notification, or other electronic means deemed appropriate. Such changes will be effective immediately after being posted on our website.

For further clarification on any terms or clauses set out in this policy contact our customer service via the following platforms:

Email: support@e-tgcinsure.com
Hotline: +603 – 5567 3399
Live chat: www.e-tgcinsure.com