Privacy Policy

This Privacy Policy describes our policies and procedures on the collection, use and disclosure of Client information when the Client uses our Service, and informs the Client about privacy rights and how the law protects them.

We use the Client's personal data to provide and improve the Service. By using the Service, the Client agrees to the collection and use of information in accordance with this Privacy Policy.

• Account — a unique account created for the Client to access parts of our Service.
• Application — the software program provided by the Company, named UBL Insurers Ltd.
• Company ("We", "Us", "Our") — refers to UBL Insurers Limited.
• Country — Pakistan.
• Device — any device such as a computer, phone or tablet that can access the Service.
• Personal Data — any information relating to an identified or identifiable individual.
• Service — refers to the Application and websites operated by the Company.
• Service Provider — a third party that processes data on behalf of the Company.
• Usage Data — data collected automatically through use of the Service (e.g. page-visit duration).
• Client — the individual or entity accessing or using the Service.

While using our Service we may ask the Client to provide personally identifiable information including but not limited to: email address, first and last name, phone number, CNIC or passport, and usage data.

Usage Data may include the Client's IP address, browser type and version, pages visited, time and date of visit, time spent, and unique device identifiers. When accessed via a mobile device we may also collect the device type, mobile OS, mobile browser and unique device IDs.

With the Client's prior permission the Application may collect location, contacts, and images from the device's camera or photo library to provide certain features. Access can be enabled or disabled at any time through device settings.

• To provide and maintain our Service and monitor its usage.
• To manage the Client's account and registration.
• For the performance of contracts related to the products or services purchased.
• To contact the Client by email, phone, SMS or push notifications regarding updates and service-related communications.
• To share news, offers and information about similar products or services, unless the Client opts out.
• To manage the Client's requests and inquiries.
• For analysis, understanding usage trends and improving our Service.

• With Service Providers who monitor, analyse or contact the Client on our behalf.
• With the Client's consent for any other specific purpose.
• In connection with a merger, acquisition or asset sale, with prior notice to the Client.
• With law-enforcement authorities where required by law or valid legal process.

We retain personal data only as long as necessary for the purposes described in this Policy, to comply with our legal obligations, resolve disputes and enforce our agreements. Usage data is generally retained for a shorter period, unless required for security, service improvement or legal compliance.

Client information may be processed at our operating offices and other places where the parties involved are located. This may involve transfer to jurisdictions where data-protection laws differ from the Client's own. We take reasonable steps to ensure secure treatment in line with this Policy.

The security of the Client's Personal Data is important to us. While we use commercially acceptable means to protect it, no method of transmission over the Internet or method of electronic storage is 100% secure and absolute security cannot be guaranteed.

Our Service is not directed to anyone under 18. We do not knowingly collect personal information from minors. If you believe a child has provided us data, please contact us so we can remove it.

Our Service may link to third-party websites which we do not operate. We are not responsible for their content or privacy practices; we recommend reviewing each site's own privacy policy.

We may update this Privacy Policy from time to time. Changes take effect when posted on this page. Please review this page periodically for any updates.

You may request the deletion of your account and associated data by writing to info@ublinsurers.com. Identity verification may be required. We may retain limited information necessary to comply with legal obligations or unresolved claims.

For any questions about this Privacy Policy contact us at info@ublinsurers.com, call 111 845 845, or WhatsApp 021 111 845 111.