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Privacy Notice

Marsh strongly believes in protecting your privacy and the confidentiality of your Personal Information. In order to explain how Marsh collects, uses and protects Personal Information, we have developed this Privacy Notice. Personal Information is any combination of information, in the possession of or likely to come into the possession of Marsh, that can be used to identify, contact, or locate an individual (“Personal Information”) and will be treated in accordance with this Privacy Notice. This includes any expression of opinion about such individual. Any information which cannot be used to identify an individual (such as aggregated statistical information) is not Personal Information.

This Privacy Notice covers the information practices of websites that link to this Privacy Notice (each referred to as a “Site”).  The data controller of this website is Marsh Emirates Insurance Brokerage L.L.C. whose registered office is:

Al Gurg Tower 3
Riggat Al Buteen,
Baniyas Road,
Deira
P.O. Box 64057 & 1019,
Dubai, United Arab Emirates

Purpose for Collection, Use and Disclosure of Personal Information

Marsh may collect, use and disclose your Personal Information (including individuals associated with you, all of whom are referred to as “you” in this Privacy Notice) in its normal course of business for the following purposes:

  • Establishing and maintaining communications with you;
  • Arranging insurance cover;
  • Handling claims;
  • Marketing and client profiling;
  • Allowing our affiliated companies to notify you of certain products or services offered by our affiliated companies;
  • Processing transactions through service providers;
  • Sharing with associations for those clients/participants obtaining insurance coverage by being a member of the association;
  • Sharing with financial institutions and other organizations where we have joint marketing agreements;
  • Facilitating premium finance arrangements;
  • Credit assessments and other background checks;
  • Where we believe it is necessary to meet legal, security, processing and regulatory requirements;
  • Protecting against fraud, suspicious or other illegal activities;
  • Research and statistical analysis ; and
  • Building databases for use by Marsh, its clients and insurers.

What Information We Collect

The information gathered by Marsh from this Site falls into two categories: (1) information voluntarily supplied by visitors to our Site and (2) tracking information gathered as visitors navigate through our Site. 

Information Voluntarily Provided By You

When using this Site, you may choose to provide us with information to help us serve your needs. The Personal Information that we collect will depend on how you choose to use this Site.

  • Where you request a brochure or report

If you request a brochure or report or further information from us, we require you to submit your name, e-mail address, the name of your organization, and the country in which you are based so we may send you the material you have requested, and to enable us to identify if you are an existing client of Marsh.

  • Where you register with us and/or request an insurance quote

If you register with the Site, or request an insurance quote, we may ask you for your name, e-mail address, country, telephone number and the reason for your communication, as well as information about your position and organization and such other information as is reasonably necessary so that we can provide you with the quote. On the data submission form, we shall indicate by way of an asterisk, which information is optional and which information is mandatory. This information can include:

  • Information you provide on applications or other forms, which may include your name, address, email address, age, personal identification numbers, credit card numbers, credit records, banking information, payment records, medical and health information, employment and income information;
  • Information we acquire from and/or transfer to other persons (such as government agencies, industry associations, auditors, claims adjusters, your insurer and your employer) to verify your identity and the accuracy of the information you have provided;
  • Information about you received from Marsh affiliates, insurers, other intermediaries, third party providers and others for underwriting or claims purposes (such as previous insurance and claims history) about our Clients and Participants; and
  • Information we receive from consumer reporting agencies.

Any Personal Information that you provide will be used for the purpose indicated on the Site or in this Privacy Notice. 

Following the quote, if you decide to proceed, we will collect Personal Information necessary to finalise the relevant quote and proceed with the transaction, such as your name, address, post code, contact telephone number, e-mail address, billing address or payment details, as relevant to the product. We will use your Personal Information to administer your policy, process claims and generally manage your relationship with us. We may pass the Personal Information you provide to others. Please see the Disclosure of Information to Others section for information on the categories of recipients of Personal Information. 

  • Where you submit content

Finally, if you submit content regarding any of the information that you view on our Site, we will ask for your name and e-mail address, so that, if you choose, we can update you by e-mail when others also comment on the content, and also so that we can manage the content in line with our Terms & Conditions. You should be aware that the information you provide there will be made publically available to Marsh employees and other users of the Site.

Website Navigational Information – Cookies

As you navigate the Site, we may also collect information through the use of commonly-used information-gathering tools, such as cookies and web beacons (collectively “Website Navigational Information”). Website Navigational Information includes standard information from your web browser (such as browser type and browser language), your Internet Protocol (“IP”) address, and the actions you take on the Site (such as the web pages viewed and the links clicked).   

Disclosure of Information to Others

We do not disclose any Personal Information about you to any third parties except as stated in this Privacy Notice, as otherwise permitted by law, or authorised by you.

Third parties to whom we disclose your Personal Information are required by law and contractual undertakings to keep your Personal Information confidential and secure, and to use and disclose it for purposes that a reasonable person would consider appropriate in the circumstances, in compliance with all applicable legislation. The purposes for which we may disclose your Personal Information to third parties are as follows:

  • To conduct our business as an insurance intermediary and/or risk consultant including for the purposes of arranging insurance cover, handling claims, facilitating premium finance arrangements in respect of which we may disclose your Personal Information to insurers, reinsurers, intermediaries or other brokers, outsourcers, sub-contractors, agents and service providers, premium finance providers and professional advisors and auditors;
  • To associations for those Clients/Participants obtaining insurance coverage by being a member of the association;
  • To notify you or allow our affiliated companies to notify you of certain products or services offered by our affiliated companies; and
  • To update information with credit bureaus and insurance reporting agencies.

If these third parties wish to use your Personal Information for any other purpose, they will have a legal obligation to notify you of this and, where required, to obtain your consent. 

Our Contractual Arrangements with Insurers

Marsh has agreements with certain insurers pursuant to which Marsh provides services to them and for which Marsh is compensated to the extent permitted by law and regulation in each country in which Marsh operates. Examples include captive management services, claims administration services, claims management software and associated services, mergers and acquisitions due diligence services, insurer consulting services, managing general agent and managing general underwriter services and insurance brokerage services regarding insurers’ own insurance programs. Marsh is also party to agreements with insurers that facilitate insurance transactions, including agency agreements, agreements to administer facilities, and agreements to operate internet-based insurance placing facilities.

Marsh also routinely enters into various types of agreements with insurers that are ancillary to the insurance broking process, or other services performed on behalf of clients. Examples include confidentiality and nondisclosure agreements for the release of data relating to insurance placements, claims handling and loss control programs, nondisclosure and/or noncompetition agreements relating to the development and disclosure of new insurance products and services, and licensing agreements governing access to and use of data management systems and databases.

For more information on Marsh’s compensation or Marsh’s contractual arrangements with insurers, please contact compliancemiddleeastnorthafrica@marsh.com.

Our Compensation

Marsh is compensated in a variety of ways, including commissions and fees paid by insurance companies and fees paid by clients. Marsh may receive compensation through one or a combination of the methods listed below.

Retail Commissions

A retail commission is paid to Marsh by the insurer as a percentage of the premium charged to the insured for the policy. The amount of commission may vary depending on a number of factors, including the type of insurance product sold and the insurer selected by the client. Retail commission rates can vary from transaction to transaction.

Client Fees

Some clients may agree to pay Marsh a fee for Marsh’s services in lieu of, or in addition to, retail commissions paid by insurance companies. The fee may be collected in whole or in part through the crediting of retail commissions collected by Marsh for the client's placements.

Insurer Consulting Compensation 

Marsh receives compensation from insurers for providing consulting, data analytics or other services. The services are designed to improve the product offerings available to our clients, assist insurers in identifying new opportunities, and enhance insurers’ operational efficiency. The scope and nature of the services vary by insurer and by geography. In the US, Canada and Bermuda, this compensation can be paid in the form of a fixed fee, a percentage of premium, or a combination of both. Outside of those countries, Marsh is compensated for these services through fees.

Contingent Commissions

Some insurers agree to pay Marsh contingent commissions when we meet set goals for insurance policies placed with them during a given year or other time period. The set goals may include volume, profitability, retention and/or growth thresholds. The amount of contingent commission earned may vary depending on factors relating to an entire book of business over the course of the year or period. As a result, the amount of contingent commission attributable to any given insurance policy typically will not be known at the time of placement.

Compensation for Insurer Administration and Other Services

Marsh operates certain panels, facilities, quota shares and other placement arrangements with insurers. Marsh receives separate compensation for administering these arrangements that is in addition to any other fee or commission earned by Marsh.

Other Benefits or Compensation

Marsh may, from time to time, participate in insurance company promotional events or employee training and development provided by insurers. Sometimes, Marsh is reimbursed by insurers for its costs related to promotional marketing. Where legally permitted, Marsh earns interest and other income on premium accounts, as paid to us by the financial institutions where insurance premiums are held prior to remittance to insurers.

For more information on Marsh’s compensation or Marsh’s contractual arrangements with insurers, please contact compliancemiddleeastnorthafrica@marsh.com.