INTRODUCTION
BY USING OUR WEBSITE, YOU CONSENT TO THE PRACTICES DESCRIBED HEREIN.
Chedid Insurance Brokers SAL ("we", "us", or "our") values your privacy and is committed to safeguarding your personal information. This privacy policy applies to our website Compare360.com (the “Website”) together with our Services as further described in our Terms of Use (the “Services”). The Privacy Policy outlines our practices regarding the collection, use, disclosure, and protection of the personal data of our users (“you”) in line with the Lebanese Law no. 81 of 2018 on Electronic Transaction and Personal Data and any amendments or implementing regulation thereof (the “Lebanese Data Protection Law”) in addition to any applicable data protection law (together the “Data Protection Legislations”).
To provide you with the Services, we may act as the intermediary between you and the Third-Party Insurance Providers whose products are generated on the Website. Our partners may have access to your personal data and are bound to process your data in compliance with this Privacy Policy. Nevertheless, any personal data, they directly collect from you, is subject to their respective privacy policy. Please carefully read these privacy policies to learn more about how each partner serving you is processing your personal data and protecting your privacy.
WHAT IS PERSONAL DATA?
Personal data is any information about an identifiable individual. This means any information that allows a person to be identified, directly or indirectly. Such identifiers could be anything from a name, an identification number, location data, to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity of that natural person.
WHY DO WE COLLECT YOUR PERSONAL DATA?
When We collect your personal data, We alone, or jointly with the Third-Party Insurance Provider, determine the purposes and means of such processing as a Controller/Joint Controllers.
We collect your personal data primarily to provide you with insurance price comparison services.
The information you input on our Website is used and processed for the following purposes:
- To generate insurance quotes based on your needs.
- To assist you, upon your request, in navigating our Website and using the Services.
- To improve the user experience of our Website.
- To manage our Website.
- For marketing and promotion purposes.
- To comply with applicable laws, regulations, and legal processes.
- To assist and advise you on your insurance interests and needs and the terms of conditions of any Insurance Policy offered through the Website.
- To improve our customer service.
- To process the related transactions.
When you select a quote and decide to proceed with the purchase of an insurance policy offered by any Third-Party Insurance Provider, you may be presented with two payment options:
-
Online Payment:
If you choose to pay online, you will be redirected to a payment gateway operated by our partnered Payment Service Provider, who will process the payment securely. We confirm that neither We, nor any of Third-Party Insurance Providers have access to any of the personal or financial data you input on the payment gateway. For more information, please refer to the Terms of Use.
-
Cash on Delivery:
Alternatively, if you choose the cash on delivery option, payment will be collected by Our team at the time of policy delivery.
Personal and/or financial data may be collected by either our partnered Payment Service Provider or by Us, depending on the chosen payment method. This data will be used for the following purposes:
-
To process your payment or refunds.
-
To answer any query regarding your payment.
-
To assist you with any financial service provided through the payment gateway.
WHAT TYPE OF DATA DO WE COLLECT ON OUR WEBSITE?
We may collect on the Website the following information:
Personal Information:
Name, contact information (email address, phone number), date of birth, nationality, salary information, and other relevant identification details.
Insurance Information:
Information about your insurance needs and preferences, including details of existing insurance policies, your driver history information.
Health information:
Information about your health for any health insurance policy your are interested in.
Travel information:
your destination and timeline for any travel insurance policy you are interested in.
Website Usage Data:
Information about your interaction with our website, including IP address, device information, browser type, pages visited, and referral URLs.
We may also collect aggregate information, such as demographic statistics of our users (e.g. average age or geographical allocation of our users), number of visitors, what pages users access or visit, and average time spent on the Website.
The Third-Party Insurance Providers may store your personal data in compliance with the data minimisation and storage limitation principles provided for in the Lebanese Data Protection Law. They will keep your Personal data for as long as it remains necessary for the purposes mentioned above or as required by law, which may extend beyond the termination of their relationship with you. They may retain certain data as necessary to prevent fraud or future abuse, or for legitimate business purposes, such as analysis of aggregated, non-personally identifiable data, account recovery, or if required by law. All retained personal information will remain subject to the terms of this Privacy Policy. If you request that certain personal data be removed from our databases, it may not be possible to completely delete all your Personal Data due to technological and legal constraints.
HOW DO WE COLLECT YOUR PERSONAL DATA?
We may collect your personal data in respect of the Website through a registration process, request form submissions, communications with you and user support.
The Third-Party Insurance Providers may also collect your personal data by communicating with you.
We may also seek your express consent to the collection, use, or disclosure of your personal information. In particular, and to the extent required by law, we will seek your express consent where the information is highly sensitive, for marketing and promotional purposes, or where the processing is for a new purpose. Consent may be obtained by asking you to check a box, to enter into an agreement, or to take another affirmative action.
SHARING OF YOUR PERSONAL DATA:
We may share your information with our affiliates, employees, agents and representatives for internal audit, management, billing, administrative, legal, other business purposes and for marketing and promotional purposes but only after receiving your consent, and with our service providers who assist us in delivering our Services, such as analytics, email communication, and IT support.
Your personal data may be shared with the Third-Party Insurance Providers, their affiliates, employees, agents, service providers, banks, payment gateway operators within their business operations to enhance the insurance products usefulness and suitability and provide you with the best possible user experience of our Website.
Any third-party service provider we share your personal data with is contractually bound to protect your privacy. They are only authorized to use your personal data to provide the services to us and for no other purpose.
We may also share your information with relevant authorities when required by law or in response to legal processes.
Where personal data is transferred to third parties located outside Lebanon, such transfers shall be made in accordance with applicable Data Protection Legislations and subject to appropriate safeguards.
YOUR RIGHTS:
Access, Correction and Deletion
You may request access to, correction of, or deletion of your personal data by contacting us. We will review and process your request within a reasonable timeframe, subject to applicable legal requirements and any limitations where we are required to retain certain data.
Object to Processing
You have the right, for legitimate reasons, to object to the collection or use of your personal data, including for marketing purposes, unless we are required to process your data by law or where you have previously consented to such processing. Exercising this right may limit your ability to use certain features of the Website and/or the Services.
Withdraw your Consent
You may withdraw your consent to the collection or use of your personal data where processing is based solely on your consent. Withdrawal of consent may affect your ability to access certain features of the Website and/or the Services and will not affect the lawfulness of processing carried out prior to such withdrawal or where we are required to retain your data for legal or regulatory purposes.
Opt-out (Marketing)
You may opt out of receiving marketing communications at any time by following the instructions included in our emails or by contacting us directly.
DATA SECURITY:
The security of your Personal Data is important to us. We employ industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction.
In the event we share, transfer, or process your personal data, it is done in compliance with the Data Protection Legislations. For this purpose, we have put in place contractual and other organizational safeguards with our agents and service providers to ensure a proper level of protection of your Personal Data. In addition to those measures, we will not disclose or transfer your Personal Information to third parties except as specified in this Privacy Policy.
You are also responsible for helping to protect the security of your Personal Data. For instance, never give out your email account information or your password for the Services to third parties.
We will maintain the confidentiality of any contact information you provide to us when you sign up for our Services, marketing communications, or contact us with questions or for further information and we will use it only for the purposes for which we have collected it (subject to the exclusions and disclosures we have listed in this Privacy Policy), unless you agree that we may disclose it to other third parties.
COOKIES AND TRACKING:
We may use cookies and similar tracking technologies to enhance your experience on our website, understand and save your preferences for future visits, keep track of the advertisements, and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. You can modify your browser settings to control or block cookies.
When you visit our Website, various Cookies may be sent to your device. These are very light text files, where data including login information is stored, and sent to your device upon your website visit.
LINKS TO THIRD-PARTY WEBSITES:
Some of the advertisements you see on this Website are selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, and audience segment providers. These third parties may collect information about you and your online activities, either on the Website or on other websites, through cookies, web beacons, and other technologies in an effort to understand your interests and deliver to you advertisements that are tailored to your interests. You acknowledge that we do not have access to, or control over, the information these third parties may collect. However, you can visit their individual privacy policy guidelines to understand the nature of their data usage in order to protect yourself from any unintended events. We are not responsible for the privacy practices or content of those websites.
CHILDREN'S PRIVACY:
Our services are not intended for individuals who don’t have the legal capacity to use the Services under the Lebanese applicable Laws and Regulations. We do not knowingly collect personal information from children.
CHANGES TO THIS PRIVACY POLICY:
We may update this Privacy Policy from time to time to ensure it reflects legislative changes and our ongoing commitment. The most current version will be posted on our website, and the revised date will be indicated.
CONTACT US:
If you have any questions, concerns, or requests related to your privacy, please contact us at:
info@compare360.com
By using our website, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.
