This Privacy Policy describes Berns Brett Masaood Insurance LLC, a Limited Liability Company, incorporated/registered with the Department of Economic Development under Commercial License No. CN-1136649 and duly licensed by the Insurance Authority of UAE, having its registered address at Najda Street, Abu Dhabi, UAE (“BBM” or “we” or “our”) policies and procedures on the collection, usage, maintenance and disclosure of information collected from users (“you” or “user” or “users”) when you use the services, websites/applications (www.bernsbrettmasaood.com) of BBM (together: “Services”) and tells you about your privacy rights and how the law relevant to data protection in the UAE (“Applicable Law”) protects you.

BBM always takes care of and respects the privacy of our users. Protecting the data of our users is of the highest importance to us, and we go to great lengths to make sure we keep it safe. We take your trust and right to privacy seriously and work continuously to keep your digital footprint small and in your control. Nevertheless, to enable you in your flow and to improve and secure our service, we need to process some personal information.

The Services may be provided to you online on a cloud-based server and/or may be integrated in a third-party service. By using any of the Services you agree to have read and understood our Privacy Policy as below. To make sure this Statement is easy to read, each question has a drop down with a short explanation, followed by a more formal statement.

We store some personal information to make your use of our Services possible. There are several ways in which we may collect personal information from you: you may submit it or we will collect it automatically through our Services. Different types of personal information may be collected depending on the way you use our Services and which Services you use. Please check the section “What are your rights as a user” to find out how you can change, access or delete your personal information.

We collect, process or host the following personal information that you provide:

a. Contact information: your name, mailing address and email address;
b. Information about yourself: age, gender, city (if applicable); and
c. Preferences: for example, language settings or interests.

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our Services. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our website and/or applications anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in our Services.

Personal Information we collect by automated means:

We may collect non-personal identification information about Users whenever they engage our Services. Non-personal identification information may include the browser name, the type of computer and technical information such as the operating system and the Internet service providers utilized and other similar information.

Please beware that we do not collect any Special Categories of Personal Data which reveals or concerns (directly or indirectly) with the user’s racial or ethnic origin, communal origin, political affiliations or opinions, religious or philosophical beliefs, criminal record, trade-union membership and health or sex life and including genetic data and biometric data where it is used for the purpose of uniquely identifying a natural person.

We may use your personal information for the following purposes:

a. Service: To offer, provide and maintain our Services, including to monitor the usage of our Service as set out in the Terms of Use.

b. Account Management: To manage your account which you have availed/subscribed for our Services under the Terms of Service. The personal information you provide can give you access to different functionalities of the Services that are available to you as a registered user.

c. Support: To offer and provide Support Services as set out in the Terms of Service.

d. Performance: To perform, comply and undertake our Services under the Terms of Service.

e. Invoicing and billing: To facilitate invoicing and billing based on the subscription plan chosen by under the Terms of Service.

f. Contact: To contact you by email, telephone calls or other equivalent forms of electronic communication regarding updates or informative communications related to the functionalities including the security updates, when necessary or reasonable for their implementation of our Services.

g. Offers: To provide you with news, special offers and general information about other products or services which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.

h. Improve User Service: To improve, respond and manage your requests to us with regards to our Services.

i. Improve Services: We may use feedback you may provide to improve our Services.

j. Marketing and Advertisement: We may use your personal information for marketing, promotion and (interest based) advertising using cookies (See our Cookie Policy) as well as communication, to target segmented audience regarding new products, services, for example updates of new Services.

k. Legitimate Interest: To process the personal information data for legitimate interest and reasons as required under the applicable laws and/or the concerned authority in the UAE.

We share your personal information with the following parties to the extent as may be necessary in connection with the performance of the Services for which you have given your consent:

a. Service providers: We may share your information with our service providers such as our hosting provider, user support provider, IT & software providers, our payment processors, email processors and the accountant.

b. Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include trusted partners, suppliers, licensors, entities, subsidiaries, joint venture partners or other companies that we control or that are under common control of BBM. We do not control the content or links that appear on the sites of our Affiliates and are not responsible for the practices employed by their websites linked to or from our Services. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Services, is subject to that website’s own terms and policies.

c. Business partners: We collaborate with advertising partners, marketing and communication agencies. We do this for (interest based) advertising, branding and reaching out to you. Our advertising partners implement their own tracking cookies which fall under their terms of services and privacy & cookie statement.

d. Integrated services: We may integrate our Services with third party software/components. In order to provide such service, we will need to share some of your personal information with that service. The terms and privacy & cookie statement of these third parties applies, at least for their part of the connection. We do not control the content or links that appear on the sites of such third-party software/components and are not responsible for the practices employed by their websites linked to or from our Services. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Services, is subject to that website’s own terms and policies.

e. Law Enforcement: We are obliged to share your personal information in case of a legal request from a Court of Law and/or any federal or local government or regulatory authority.

f. Other Legal Obligations: We may disclose your personal information in the good faith belief that such action is necessary to: (i) comply with a legal obligation; (ii) protect and defend the rights or property of BBM; (iii) prevent or investigate possible wrongdoing in connection with the Service; (iv) protect the personal safety of users of the Service or the public; (v) protect and defend against any legal liability that may arise against BBM.

Your information, including personal information, is processed at our operating offices and in any other places (including but not limited to any place based on a cloud-based server) where the parties involved in the processing are located. It means that this information may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

Your consent to this Privacy Policy (“Consent”) followed by your submission of such information represents your agreement to that transfer.

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy to the extent permitted by the Applicable Law as may be amended from time to time, in connection with the performance of the Services and/or for the purpose for which you have given your Consent. We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

We will also retain Usage Data for internal analysis purposes. The data or information we collected automatically, either generated by the use of the Services or from the Service infrastructure itself (for example, the duration of a page visit) is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Services, or we are legally obligated to retain this data for longer time periods.

You may at any given time request for withdrawal of your Consent to the collection, processing and storage of your personal data or request for modification or erasure of the same, provided that the Consent given by you for past activities undertaken may not be invalidated.

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our website and/or application. The personal information you provide and we collect is stored within databases that we control directly. As we deem appropriate and as required by the applicable law, we use security measures appropriate for the sensitivity of the Personal Information and consistent with industry standards, including physical, organizational and technological protections such as firewalls, data encryption etc. to protect your personal information. However, since no security system is impenetrable, we cannot guarantee the security of our databases, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.

BBM has the discretion to update this Privacy Policy at any time. We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications. If you do not agree with the Privacy Policy, you should not or no longer access or use our website, application and/or our Services.

By continuing to use the website, application and/or our Service you accept any changes made to the Privacy Policy.

If you have any concerns or queries, please reach out to us. We shall undertake all reasonable efforts to address your concerns or queries at the earliest possible opportunity. You may contact us at:

Phone: +91 2 676 1939 (Timings: 8 AM to 5 PM, GST – Monday to Friday, except holidays)
Email: enquiries@bbmiuae.com

Any notice or communication that may be required to be given to BBM/the Platform under these Terms shared with you may be sent by writing or emailing to the following addresses:

Berns Brett Masaood Insurance LLC
7th Floor, Old Nissan building, Najda Street, Abu Dhabi, UAE. P.O. Box: 111566