We, Island Insurance Brokers Limited, consider it important to protect your privacy rights as visitors to our Web site. To better protect such rights, we are providing this Privacy Policy, explaining our information practices and the choices that you can make about the way in which your information is collected and used.

By using our Web site and providing us with your personal information, you signify your consent to us processing such personal data in accordance with this Privacy Policy, as specified below.

The personal data we collect about you and the purposes for which we process this data

In general you may visit our Web site without telling us who you are or revealing any information about yourself.

You may however choose to provide us with personal information when you complete and submit any one of the forms that may from time to time be made available on our Web site. We shall process the data you provide in these forms in order to provide you with the particular service you so request when completing these forms. To this end we may process the personal data you provide us with through these forms in order to provide you with a requested quotation, to administer any particular insurance policy that may be issued to you in this regard, and/or to handle any claims made in relation to such policy.

From time to time we may further process such personal data to provide you with information about our products and services and/or those offered by Island Financial Services Limited. Please inform us by sending an e-mail to info@islandins.com if you do not wish to receive any such direct marketing material from us.

Cookies

We also use a technology called “cookies” on our Web site. A cookie is an element of data that a Web site can send to your browser, which may then store it on your system. Cookies are created for each session when you visit our Web site.

None of the information collected by means of cookies is associated with you as an individual. We do not use the cookie technology to capture individual e-mail addresses or any personally identifying information about you. All the information is collected on an aggregate basis and can be used to enhance the content of our site, rendering it as user-friendly as possible, and to improve the Web site to better meet your needs. The information so gathered through cookies may include the date and time of visits, the pages viewed and the time you spend on our Web site.

Should you wish to reject all or certain cookies used by our Web site, you may modify your Web browser preferences to do so. If however you reject all cookies then you might be unable to use some of the services available on our Web site. Moreover, you may set your browser to notify you when you receive a cookie, giving you the opportunity to choose whether or not you wish to accept it.

Retention of Personal Data

No personal data that we collect through this Web site will be kept longer than necessary for the purposes for which it is processed.

Disclosure of Personal Data

We reserve the right to disclose personal data relating to you if such disclosures are necessary for the following purposes: (1) for claims handling purposes; (2) for the purpose of preventing, detecting or suppressing insurance fraud; (3) to protect and defend our rights and property or that of our policyholders or users of our Web site; (4) to protect against abuse, misuse or unauthorised use of our Web site; (5) to protect the personal safety or property of our policyholders and users (e.g. if you provide false or deceptive information about yourself or attempt to pose as someone else, we shall disclose any information we may have about you in our possession so as to assist any type of investigation into your actions); (6) for any purpose that may be necessary for the performance of any insurance contract you may have entered into with us; or (7) as may be allowed or required by or under any law.

Security

We use reasonable efforts to safeguard the confidentiality of all personal data that we process relating to you and regularly review and enhance our technical, physical and managerial procedures so as to ensure that your personal data is protected from:

•  unauthorised access

•  improper use or disclosure

•  unauthorised modification

•  unlawful destruction or accidental loss

To this end we have implemented security policies, rules and technical measures to protect the personal data that we have under our control. All our employees and data processors, who have access to, and are associated with the processing of personal data, are further obliged to respect the confidentiality of our visitors' personal data.

By its very nature however the Internet is not a secure medium and data sent via this medium can potentially be subject to unauthorised acts by third parties. We cannot guarantee the privacy or confidentiality of any information passing over our Web site. Moreover, data sent via the Internet may be transmitted across international borders even where sender and receiver of information are located in the same country. Consequently, data relating to you may be transmitted via a country having a lower level of data protection than that existing in your country of residence.

We shall accept no responsibility or liability whatsoever for the security of your data while in transit through the Internet.

Access to the personal data that we may process about you

You have a right to request access to and/or correction of the personal data that we process in relation to you. Any such request must be made in writing to:

Island Insurance Brokers Limited,

Insurance House,

Psaila Street,

B’Kara BKR 02,

Malta

and must further signed by yourself as the data subject to whom the particular data relates.

Third Party Web Sites

Our Web site may contain links to third party Web sites after obtaining permission from them. Any such links are not an endorsement by us of any information, products or services in such Web sites and we shall not accept any responsibility whatsoever for the content, use, availability, privacy practices or the content of any such Web sites. Please note that upon linking to such other Web sites, you become subject to the Privacy Policy, if any, of such other site.

No third party is permitted to link any other Web site to our Web site without obtaining our prior written consent.

Privacy Compliance

We are registered with the Office of the Commissioner for Data Protection, Malta to process personal data in accordance with the Maltese Data Protection Act, 2001. Our Privacy Policy is compliant with this Act.

Privacy Support

If you have an enquiry or concern about our Privacy Policy, please contact:

Name: Mr Clifford Cauchi

Designation: Manager - Accounts & Administration Department

Address: ‘Insurance House’, Psaila Str, B’Kara BKR 02

Phone Number: 23855700

Fax Number: 23855238

Email address: c.cauchi@islandins.com

We welcome any comments or suggestions that you may have, which may contribute to our offering you a better quality of service.

Changes to the Privacy Policy

We reserve the right to modify this Privacy Policy at any time should statutory obligations so mandate or should the interest of our users’ security so require. Any such changes will be posted here so that you are always kept informed of how and why we process your personal information.

We invite you to consult this Privacy Policy from time to time in order to familiarise yourself with any changes. The date when this Policy was last updated is indicated at the end of this Policy.

Copyright

The entire content of this Web site is the copyright of Island Insurance Brokers Limited, with all rights reserved. Island Insurance Brokers Limited’s copyright must remain on all reproductions of material purchased from this Web site ("Material").

You may download, store and use the Material for your own personal use and research or that of your firm or company. You may not republish, retransmit, redistribute or otherwise make the Material or any part thereof available to any other party or make the same available on any website, on-line service or bulletin board of your own or of any other party or make the same available in hard copy or on any other media without Island Insurance Brokers Limited’s express prior written consent.

Disclaimer

Without prejudice to anything contained above, Island Insurance Brokers Limited expressly disclaims any and all liability whatsoever in respect of anything and in respect of the consequences of anything done or omitted to be done wholly or partly in reliance upon the whole or any part of the contents of this Web site.

Island Insurance Brokers Limited further expressly disclaims any and all liability in respect of any loss or damage suffered by any person of the information contained on this Web site.

All information on this Web site is:

• of a general informative nature only and should in no way be taken as an indication of future results;

• not necessarily comprehensive, complete or up-to-date;

• subject to change without notice; and

• sometimes linked to external Web sites over which Island Insurance Brokers Limited has no control and for which Island Insurance Brokers Limited assumes no responsibility.

Island Insurance Brokers Limited gives no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any information on this Web site.

Nothing on this Web site constitutes advice, nor does the transmission, downloading or sending of any information or the Material create any contractual relationship between Island Insurance Brokers Limited and the Web site user. No person should act or refrain from acting on the basis of any matter contained in this Web site without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue.