Privacy policy
Definitions
- Salama website: Salama website is a reference used for the website and all digital assets. The term “website” includes: online sales portal for health / motor and other products and all other digital channels
- Website user: A website user / visitor is an individual who visits Salama website but is not necessarily an existing customer of Salama
- Customer: A customer is an individual who is an existing customer / plan holder of Salama
- Takaful products and services: All takaful product offerings by Salama on its website are referred to as takaful plans.
- Takaful application – An application form completed online for a specific Salama plan. This is the binding legal contract that states customer’s takaful cover and other takaful benefits available to the customer.
- Third Party Administrator (TPA) – TPA is an intermediary function between Salama and its customers for processing of claims.
- Claim: A claim is the request made by customer for compensation of a loss suffered that is covered under the takaful plan taken by the customer.
Important note
This privacy policy contains only general information. It does not constitute an offer to buy or sell a product or service, nor is it intended to provide any takaful or financial advice. If you are interested in Salama’s products or services, you should secure a personalized illustration of benefits and read the terms and conditions for the specific product, prior to making a decision.
Privacy statement
This privacy policy is set out by Islamic Arab Insurance Company (PSC) – Salama on use of the website. This privacy policy is prepared in line with the UAE Insurance Regulatory Authority and General Data Protection Regulation (GDPR) issued by the European Union.
Who are we
Islamic Arab Insurance Company (PSC) – Salama is one of the largest and oldest provider of Shari’ah compliant solutions (takaful) in the UAE, with paid-up capital of AED 939 Million and is listed on Dubai Financial Market (DFM).
What we collect
We collect your details through Salama website. As a Salama website user, you may choose to submit your information through one or more of the following available website features / channels:
- Contact Us
- Get a Quote
- Existing Customer Login (Online Portal Family Takaful)
- Enquiry/procurement of health / motor / other plans
- Referral pages
All information received through the website is reviewed and managed by authorized representative in Salama. Information that is not required for the processing of your Takaful application will not be requested by Salama either on the website or by any representative of Salama.
The health takaful plans currently offered by Salama are managed by Third Party Administrator
What we do with your information
Salama is committed to ensuring that your privacy is protected and that there is transparency with regards to the processing of your information. Your personal information will be collected, used, disclosed and / or processed by Salama for one or more of the following purposes:
- Processing your enquiries for services and products provided by Salama
- Processing of your Salama takaful application(s)
- Administering and/or managing your relationship with Salama
- Carrying out your instructions or responding to any enquiries submitted by you
- Carrying out due diligence or other screening activities (including background checks) in accordance with legal or regulatory obligations or risk management procedures (including but not limited to those designed to combat financial crime, know-your customer, anti-money laundering, counter-terrorist financing or anti-bribery), that may be required by law and / or regulations.
- Sharing your information with registered third party wherever required by Salama’s policies and by law, for processing of your takaful application.
Our assurance
Salama is committed to ensuring that your privacy is protected and that there is transparency with regards to the processing of your information. Your personal information will be collected, used, disclosed and / or processed by Salama for one or more of the following purposes:
- We do not sell your personal information to anyone.
- We do not share your information with non-affiliate companies that would use it to contact you about their own products and services, unless permitted pursuant to a joint marketing agreement.
- We require persons or organizations that represent or assist us in servicing your policy and claims to keep your information confidential.
- We require our employees / staff to protect your personal information and keep it confidential.
Marketing
We may use the information you supply to contact you by phone, e-mail, SMS, or otherwise to inform you about products / services which may be of interest to you.
The communications include but are not limited to:
- Newsletters
- New product launches
- Reminders about our services
- Future surveys / research
- Festival / event greetings / notices / updates / other communications
Kindly note, Salama will never ask for your password or any other confidential details in any marketing material.
Links to and from other websites
Please note that when you link to any other website from Salama website, the operator of such other website (whether Salama, a Salama subsidiary or a third party) may collect information about you, including through cookies or other technologies. In addition, your internet or other service provider(s) may collect information about or submitted by you while you use the website, or any other website. You acknowledge that information collection or privacy practices of any other party, including Islamic Arab Insurance Company – Salama, are not monitored or controlled by Salama and Salama is not responsible for such websites. Links on the website to other websites are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked site. You should review the privacy policy of any other website that you visit to
How do we protect your information
We protect your information by implementation of a variety of security measures to maintain the safety of your personal information on files, systems and Salama website in compliance with local and international laws and regulations. Only authorized and trained personnel have access to sensitive information shared by you to ensure your privacy is respected and data shared by you is kept confidential at all times.
Do we use cookies
Salama uses 3rd party cookies and other technologies such as tag manager, event tags, pixel tags, etc. to store certain types of information each time you visit any page on Salama website. Cookies enable the website to recognize the information you have consented to give to the website and help us understand which part of the website are most appropriate for your professional needs.
We may also use cookies to serve advertising banners to you. These banners may be served by us or by a third party on our behalf. These cookies will not contain any personal information like name, phone number, email id, etc. Whether you want your web browser to accept cookies or not is up to you. If you have not changed your computer settings, most likely your browser already accepts cookies by default. If you choose to decline cookies, you may not be able to fully experience all features of the website. You can also delete your browser cookies or disable them entirely. But this may impact your experience with Salama website and can make some parts of the website non-functional or inaccessible. We recommend that you keep them turned on.
Changes and updates
Islamic Arab Insurance Company – Salama reserves the right to make changes to this privacy policy from time to time, which will be provided to you by posting the revised draft of the policy on the website. You will be able to determine when this policy was last revised by checking the last revised legend at the top of the policy.
These changes can be as follows:
- Introduction of a new regulation introduced by the UAE Regulatory Authorities
- A new decision being passed on a previously issued regulation which makes the previously issued regulation meaningless and,
- Change in Salama’s policy and process for collection and usage of customer information
Legal exclusions and limitations
The information contained on Salama website is for general purposes only. While we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
We do not provide any legal, accounting, or other professional advice or opinion on specific facts or matters. Also, neither Salama nor any of its directors, employees, or agents will be liable for damages arising out of or in connection with the use of the website or the information contained in it.
Through Salama website you are able to link to other websites which are not under the control of Salama. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorsement of the views expressed within them.
This is a comprehensive limitation of liability that applies to all kinds of damages including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property, and third-party claims.
Every effort is made to keep the website up and running smoothly. However, Salama takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.
Copyright statement
All materials (text, graphics, designs, their selection and arrangement) on this website are the copyright of SALAMA or third party. Any reproduction retransmissions or republication of all or part of any document found on this website is expressly prohibited unless SALAMA has explicitly granted its prior written consent to so reproduce retransmit or republish the material. All other rights reserved.
Trademarks
All materials (text, graphics, designs, their selection and arrangement) on this website are the copyright of Salama or third party. Any reproduction retransmissions or republication of all or part of any document found on this website is expressly prohibited unless SALAMA has explicitly granted its prior written consent to so reproduce retransmit or republish the material. All other rights reserved.
UAE law
This privacy policy adheres to UAE Laws and Regulations that Salama as a financial institution must abide by. Any disputes arising in relation to these conditions of use will be subject to the exclusive jurisdiction of the UAE Courts. If any of the mentioned provisions within the privacy document become unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or conditions of use.