Privacy Policy
By submitting any information about you and where applicable about others within this website, you and they consent to its use, as set out in this privacy policy. The Internet is not a secure medium. However, we are committed to ensuring that your privacy is protected. The privacy policy explains the security measures we have put in place to protect your information and how we use the information we collect about you. We recommend you read it before you provide any information to us.
THE INFORMATION WE COLLECT AND HOW WE USE IT
Within this site, we may ask you to provide us with relevant personal information. Rest assured, we do so in order to provide you with the product or service you've requested, as an administrative requirement, and to service and maintain your policy including responding to any query that you might raise with us.
All personal information supplied by you will be treated in confidence by the Liva Insurance Group of companies and will be held in our data systems or those of our agents or subcontractors and will not be disclosed to any third parties except where your consent has been received or where permitted by law.
The Liva Insurance Group may pass your personal information to other companies for processing on its behalf. Some of these companies may be based outside Europe in countries which may not have laws to protect your personal information, but in all cases the Group will ensure that it is kept securely and only used for the purposes for which it was provided. Details of the companies and countries involved can be shared with you on request.
When you use our products, services, or log-in-enabled websites, we may collect and process various categories of personal data in accordance with the UAE Personal Data Protection Law (PDPL). This includes identification details (e.g., name, contact information, government-issued IDs), financial data (e.g., bank details), commercial transaction records (e.g. personal property, services purchased) , biometric identifiers (e.g. photographs), and technical data such as IP addresses and device information. We may also process geolocation, employment, educational, and health-related data where necessary for service provision, underwriting, or claims. Additionally, we collect marketing preferences, communication settings, inference data, and vehicle-related information. Your data is collected and processed lawfully, fairly, and transparently for specified purposes, including fulfilling insurance obligations, complying with legal requirements, and improving service delivery.
The Liva Insurance Group would also like to inform you (by telephone, post, or email) of select products and services we and our carefully chosen suppliers provide. If you would prefer not to receive this information, please notify us of this when you contact us.
As part of the process of providing you with the product or service requested, we may undertake certain checks or exchange information through various databases. For example, as part of the process for underwriting general insurance products, we may check with a licensed credit-referencing agency and a record of this search will be made. When we make any checks or exchange information, we will include further details of the same within the web site or when we write to you.
Our websites and services are not intended for use by minors under the age of 16 and we do not knowingly collect data relating to children except for the purpose of Health and Life Insurance services where the consent of the guardian is required to be provided for Liva to process minor/child information.
COOKIES
When you visit our site, we may attach a cookie to your browser. Cookies are small text files that allow us to identify your computer, recognise repeat users, observe anonymous user behaviour, and compile aggregate data about users in order to improve our service. The data we collect using cookies does not identify individual users and is used only for tracking and analysing the use of the site. In some cases, we use a reputable third-party ad serving company for these purposes.
Most web browsers will accept cookies, but if you would prefer that we do not collect data by this method, you can disable this function within your browser settings. However, without cookies, you may not be able to take full advantage of our site's features including personalising the web content to reflect your unique style.
HOW WE PROTECT YOUR INFORMATION
We capture your personal information such as names and addresses, over a secure link using recognised industry standard Secure Sockets Layer (SSL) technology which encrypts the data whilst passing it over the web. This will be indicated on most browsers by a lock in the status bar at the bottom of the screen. Firewalls are used to block unauthorised traffic to the servers and the actual servers are locked in a secure location which can only be accessed by authorised personnel.
YOUR CONSENT
When you submit your information within this web site, you consent to the use of that information as set out in this privacy policy. If we change the privacy policy, we will post the changes on this page and place notices on other pages of the web site so that you are aware of how we use your information at all times. If you continue to use this service, it will signify that you agree to any or all such changes. The Internet is a global medium, and your information therefore may be transferred outside the GCC or within the GCC to our subsidiaries and authorized partners. When you submit your information, you consent to all such transfers.
YOUR RIGHTS AS A DATA SUBJECT
In accordance with the UAE Personal Data Protection Law (PDPL), you may be entitled to exercise certain rights in relation to your personal data, subject to applicable legal conditions. These rights include:
• Right of Access: You have the right to confirm whether we are processing your personal data and, if so, to access that data and obtain information about its purpose, origin, and any disclosures made or planned.
• Right to Rectification: You have the right to request the correction of inaccurate or incomplete personal data without undue delay, including by providing a supplementary statement.
• Right to Erasure (Right to be Forgotten): You may request the deletion of your personal data, where permitted by law, and we are obligated to comply if specific legal grounds apply.
• Right to Restriction of Processing: You have the right to request a restriction on the processing of your personal data under certain conditions.
• Right to Data Portability: You may request to receive your personal data in a structured, commonly used, and machine-readable format and transmit it to another controller, where technically feasible.
• Right to Object or Withdraw Consent: You have the right to object to the processing of your personal data or withdraw your consent at any time, where processing is based on consent or legitimate interest
To submit a request related to your rights under the PDPL, please visit the "Rights Requests" section using the link below. If you believe that we have not processed your personal data in accordance with local regulations, you can contact our Privacy Department at privacy.ae@livainsurance.com
REQUESTS TO EXERCISE DATA SUBJECT RIGHTS
If you prefer to exercise your rights as listed above, please fill out the webform by clicking here Rights Request Page
To keep your personal information safe, we may ask for some details to confirm your identity when you submit a Rights Request. This helps ensure that your personal data is only shared with you or someone legally authorized to act on your behalf. If you provide an email address—or if we already have one on file—we may use it to verify your identity. In some cases, we might request additional details, but we’ll only ask for information that we can match against our existing records. We may also follow up with a few questions related to your request to help us respond more quickly and accurately. For transparency and compliance, we keep a secure log of all rights requests for at least 36 months. This log is used only for tracking and reporting purposes and not for any marketing or profiling activities.
DATA RETENTION
We retain your personal data only as long as necessary to fulfil the purposes outlined in this policy or as required by law. When your data is no longer needed, we will securely delete or anonymize it.
PRIVACY POLICY VERSION HISTORY
JUNE 2025
Our Privacy Policy has been updated to include regulations and processes as per the UAE Data Protection Regulations and will be updated from time to time in case of any updates.