We value our customers and want you to understand how we use the information we collect. Please contact us if you have any questions about our privacy policy. We will provide you a copy of your personal information that we control and can reasonably retrieve. To access your information, you must provide the following:

1. All policy numbers you want to access.
2. Please sign your request and have your signature notarized. This helps us ensure the identity of the person requesting the information.

We do not currently charge a fee to cover the cost of providing you with a copy of this information. However, we reserve the right to charge a small fee in the future. You may request that we correct your personal information in our files. Please note that we do not control information provided by third parties. So, you will need to contact the third party to correct any information from them. Sometimes we obtain your consumer or credit report. If so, you may request the credit-reporting agency’s name and address. You may ask the agency to give you a copy of your report.

Please send privacy inquiries to:

Medgulf, The Mediterranean & Gulf Insurance & Reinsurance
Attn: Compliance Manager
P.O. Box 113 6320 - Beirut, Lebanon
Medgulf

When you write to us, please include your name, address, and policy number, and your agent name and number, if you know it. You can contact your agent to change information that we control, such as your address. This privacy statement describes our privacy practices for both current and former customers. We will provide one copy of this notice to joint policy or contract holders. Please share this information with everyone covered by your policy or contract. If you request, we will send more copies of this statement.

Thank you for choosing Medgulf.
We look forward to building a lifetime relationship with you.

Medgulf Insurance Company

Medgulf or our business partners use the information from our web sites for many purposes:

• edits and feedback
• marketing and promotions
• analysis of user behavior
• product development
• content improvement
• informing advertisers how many visitors have seen or clicked on their advertisements
• customize Web site content and layout

It is important to note that other companies or organizations may have links on Medgulf Web sites. We are not responsible for the collection, use or security of information by the companies or organizations outside of the Medgulf family of companies.

Please read the privacy policy of Web sites reached through the use of links from Medgulf Web sites.

Medgulf collects site aggregate and customer-specific information about the pages you view on our site. We log IP addresses, browser and platform types, domain names, access times and referral data. We also collect information a customer volunteers on surveys and electronic forms. This information is used to improve our Web sites.

Medgulf gathers data on its Web sites. This is a standard industry practice and is used to find out how visitors use our site. We collect aggregate information on the public areas of our Web site. We also collect information on an individual basis on areas of our website that require visitors to logon using an ID and password. We may collect the following data:

• how many people visit our Web site
• the pages they visit and the features they use
• how long they stay on our Web site
• the Web site people come from before reaching our site

Information collected from Web sites

Medgulf may collect the information you provide when you:

• request information from one of Medgulf's Web sites
• use online tools and calculators
• apply online for products
• subscribe to online services
• complete an online form
• conduct transactions online
  
  

Medgulf contracts with certain unaffiliated business partners who help us deliver online products and services. They may keep the information you provide. Other online activities are listed below.

Sometimes, we must collect medical information to provide you a product or to pay a claim. We do not use or share your medical information for any marketing purpose unless we receive your permission. We use medical information when:

• Underwriting insurance
• Servicing your policy, account, or claim
• As required or permitted by law
• At your request and with your authorization

We do not sell your personal information to anyone for any reason. We do not share it, except to service your product. These reasons are described in more detail above and are permitted by federal and state law. Therefore, there is no need for you to opt out. If we change our sharing policy, we will tell you and give you a chance to opt out before we share your information.

Please note: If you also purchased a different financial or insurance product, we may share your information for marketing purposes. If so, you will receive another privacy statement with instructions about how to opt out of information sharing.

We do not sell your information to anyone. We may share this information with a business that carries out services and marketing for us. We may share your information as required or permitted by law. We may share your information for a legal or regulatory purpose or to combat fraud. This sharing depends on the products you select. These include the following types of information.

• We may share information we receive from you on applications or other forms. This may include your name, address, beneficiaries, Social Security number, and family member information. This may also include assets, income, and the property address and value.
• We may share information from your transactions with our sister companies, or us. This may include your account balance, policy coverage, and payment history. This may also include premium paid, preferences, claims, and purchase method.
• We may share information we receive from a consumer-reporting agency or other report. This may include your credit report, motor vehicle, and driver data. This may also include medical and employment data, loss history reports, and other driver data.