Name, address, e-mail address, telephone details, gender, marital status, date of birth, passwords, educational background, physical attributes, records, such as driving records, photos, employment history, skills and experience, professional licenses and affiliations, relationship to the participant, person covered or claimant, and date and cause of death, injury or disability.

National registration card number, Employee Provident Fund number, passport number, tax identification number, military identification number, or driver’s or other license number.

Payment card number, bank account number and account details, credit history and credit score, assets, income and other financial information.

Your medical condition and health status – Current or previous physical or mental or medical condition, health status, injury or disability information, medical procedures performed, personal habits (for example, smoking or consumption of alcohol), prescription information and medical history. We may receive other sensitive information about your religious beliefs, ethnicity, political opinions, family medical history or genetic information in some cases. We may also obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud. We may also receive sensitive information if you voluntarily provide it to us.

Telephone call recordings to our staff, representatives or contact centers.

Location and identification of property covered (for example, property address, vehicle license plate or identification number), travel plans, age, categories of individuals you wish to cover, certificate and claim numbers, coverage/peril details, cause of loss, prior accident or loss history, ownership or management interest in an organization, and other protection or financial assistance product(s) you may hold.

You may inform us of your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a customer satisfaction survey.

Communicate with you and others as part of our business.

Send you important information regarding changes to our policies, other terms and conditions, the website and other administrative information.

Make decisions about whether to provide financial assistance, including claim assessment, processing and settlement, and, where applicable, manage claim disputes.

Assess your eligibility for CoFAP program and process your contribution and other related payments.

Provide improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers).

Prevent, detect, analyze, manage and investigate crime, including fraud and money laundering and other commercial risks.

Carry out market research and analysis, including satisfaction surveys.

Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed.

Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed.

Personalize your experience on our website and other digital platforms by presenting information and advertisements tailored to you.

Allow you to participate in contests, prize draws and similar promotions, and to administer these activities. Some of these activities have additional terms and conditions, which could contain additional information about how we use and disclose your Personal Information, so we suggest that you read these carefully.

Manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing, finance and accounting, billing and collections, IT systems, data and website hosting, business continuity, and records, document and print management.

Resolve complaints, and handle requests for data access or correction.

Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering and anti-terrorism, comply with legal process, and respond to requests from public and governmental authorities (including those outside your country of residence).

Establish and defend legal rights, protect our operations or those of any related business partners, our rights, privacy, safety or property, you or others, and pursue available remedies or limit our damages.

You request a quotation for our products;

You submit application to CoFAP for the participation in our products;

You submit a claim form or other forms related to our products and services;

You interact with us via telephone, e-mails or other means of communication with us;

You interact with any of our agents or representatives;

You respond to our request for additional personal data;

general.You access our website to access Your product-related information or perform an online transaction;

You interact with our customer service officers;

You are contacted by, and respond to, our telemarketers;

You participate in any of our contests or promotions.

You access software applications made available by use for use on or through computers and mobile devices; and/or

You visit our social media pages, and other social media content, tools and applications.

Access to Personal Information within Group is restricted to those individuals who have a need to access the information for marketing or our business purposes.

In the course of marketing and providing benefit coverage, processing claims and facilitating fraud prevention and detection, CoFAP may make Personal Information available to third parties such as other operators or insurers, retakaful operators or reinsurers, takaful or insurance and retakaful or reinsurance brokers and other intermediaries and agents, appointed representatives, distributors, affinity marketing partners, and financial institutions, securities firms and other business partners.

External third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors, travel and medical assistance providers, call center service providers, breakdown assistance, IT systems, support and hosting service providers, printing, advertising, marketing and market research and analysis service providers, banks and financial institutions that service our accounts, third-party claim administrators, document and records management providers, claim investigators and adjusters, construction consultants, engineers, examiners, translators, and similar third-party vendors and outsourced service providers that assist us in carrying out business activities.

CoFAP may also share Personal Information with governmental or other public authorities (including but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies), and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence, (b) to comply with legal process, (c) to respond to requests from industry associations and federations and public and government authorities, including public and government authorities outside your country of residence, (d) to enforce our terms and conditions, (e) to protect our operations (f) to protect our rights, privacy, safety or property, you or others, and (g) to allow us to pursue available remedies or limit our damages.

We may share Personal Information with payees, emergency providers (fire, police and medical emergency services), retailers, medical networks, organizations and providers, travel carriers, credit bureaus, credit reporting agencies, and other people involved in an incident that is the subject of a claim, as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock.

Browser information;

Information collected through cookies, pixel tags and other technologies;

Demographic information and other information provided by you; and

Aggregated information.

Through your internet browser: Certain information is collected by most websites, such as your IP address (i.e., your computer’s address on the internet), screen resolution, operating system type (Windows or Mac) and version, internet browser type and version, time of the visit and the page(s) visited. We use this information for purposes such as calculating website usage levels, helping diagnose server problems, and administering the website.

Using cookies: Cookies are pieces of information stored directly on the computer you are using. Cookies allow us to recognize your computer and to collect information such as internet browser type, time spent on our website, pages visited, language preferences. We may use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while visiting our website, or to gather statistical information about the usage of our website. Cookies further allow us to present to you the advertisements or offers that are most likely to appeal to you. We may also use cookies to track your responses to our advertisements and we may use cookies or other files to track your use of other websites.

From you: Some information (for example, your location or preferred means of communication) is collected when you voluntarily provide it. Unless combined with Personal Information, this information does not personally identify you.