MelitaUnipol Insurance Brokers Limited (MUIB) collects, uses, records, stores, shares or otherwise processes personal information that you provide to us, or that we may otherwise obtain or generate, which relates to you.

1. What personal information do we collect, and where do we obtain it from?

The personal information that we collect about you may include:

– your name and surname;
– the name and surname of your representative;
– your identity card number;
– your address;
– your email address;
– your contact number/s;
– your occupation;

We will only collect and process the personal information which is adequate, relevant and strictly necessary for us to provide the services required. Depending on the services we are providing you, we may require and collect the following information:

– Relevant medical information;
– whether you are a non-smoker or smoker;
– your date of birth;
– specific information depending on the risk insured;
– bank sanction letters;
– proof of identity;
– financial statements;
– property valuations;
– annual turnover;
– annual wageroll.

We gather and generate information about you when you provide it to us or interact with us directly. We may also receive information about you from other sources, including publicly available sources. We may combine information that we have about you from various sources, including the information that you have provided to us.

2. Use of your personal information
We may use your personal information to:
• Obtain quotations for insurance cover as requested by you, from third party insurance service providers, and for such purpose we shall disclose your personal information to such third party insurance services providers.
• communicate with you and provide you with information about our products and services, including direct marketing communications;
• answer your questions and request for services, and solicit your feedback;
• process payments as agreed with you;
• process claims;
• send important notices, such as changes to our terms, conditions and policies;
• send you technical notices, updates, security alerts and support and administrative messages;
• for internal purposes such as auditing, data analysis and research to help us deliver and improve our services;
• to monitor and analyse trends, usage and activities in connection with our products and services;
• to ensure we have up-to-date contact information for you;
• to confirm the fulfilment and non-fulfilment of financial obligations.
• To determine your eligibility or otherwise for the particular insurance coverage
• To create profiles for suitable enforcement of the insurance agreement
• Record phone communications for business purposes.
• Monitor by CCTV cameras for security purposes.
We may also be required to processes your personal data for the purpose of:
• compliance with applicable laws, rules, regulations, guidance and codes;
• compliance with demands or requests made by local and foreign regulators, governments, courts and law enforcement authorities, and complying with a court process, or in connection with any litigation;;

3. On what basis do we use your personal information?

With your consent:
We will process your personal information when you have given your consent to the processing of your personal data for one or more specific purposes set out above. You have various rights where we are processing your information on the basis of your consent. For example, if you no longer wish to be on one of our mailing lists, you can choose to opt out at any time by following the “unsubscribe” instructions at the bottom of our promotional emails. If you have an online account with us, you can also opt out by updating your preferences.
• For the performance of a contract: 
We also process your personal data as necessary in order to provide you with the contracted services when you appoint us as your Insurance Brokers.
• For compliance with a legal obligation to which we are subject: 
We may be required to process your personal data in order to comply with specific legal obligations which we may be subject to as your insurance brokers.

4. Recipients and Sharing of your personal information

Your personal information will be received by MelitaUnipol Insurance Brokers Limited’s representatives and employees.

We may also share your personal information with any of the following:

• Insurance Service Providers in order to obtain quotations for insurance cover as requested by you.
• Other brokers overseas to seek terms from the international market.
• our professional advisors and auditors strictly as required for consultation purposes or for compliance with our legal obligations;
• regulators, governments and law enforcement authorities as and when this is required under applicable laws and regulations;
• courts, tribunals, arbitrators or other competent bodies who may have authority to request such personal information; and
• other third parties in connection with our selling, merging, buying, or reorganising all or any part of our business, or carrying out any similar change of our business
(including any potential or actual purchaser of that business or that purchaser’s advisors).
• Suppliers who provide storage services, which suppliers shall not have access to the personal information itself.
5. How long will we keep your personal information?
We have a data retention policy that sets out how long we keep your information. This policy is based on the type of information and the purpose of collection. As a general rule, we keep your personal information for as long as we need to in order to carry out those purposes for which your data has been collected. We retain records for a minimum period of five years for the purposes of any legal claims which may arise, and until final determination of any legal claim if any such legal claim is raised.
6. Security of Data
We use a variety of security technologies and procedures to help protect your personal information from unauthorised access, use or disclosure. Our suppliers are carefully selected and required to use appropriate measures to protect the confidentiality and security of your information.
7. Your Rights
You have the right to:
• Withdraw your consent when your personal data is processed on the basis of your consent. The withdrawal of your consent shall not affect the lawfulness of
processing before the withdrawal of your consent. Where the processing of data is necessary to provide you with contracted services, withdrawal of consent would render MUIB unable to provide the contracted services, provided that MUIB may have the right to process your personal information if it has another lawful basis for doing so, as outlined in this policy.
• Ask MUIB about the processing of your personal information, including to be provided with a copy of your personal information held by us;
• To request the correction and/or deletion of your personal information, or restrict or object to the processing of your personal information;
• To request to obtain and reuse your personal information for your own purposes across different services; and
• To complain to a competent supervisory authority, or to a court of law, if your data protection rights are violated or you have suffered as a result of unlawful processing of your personal information.
If you would like access to the information that we hold about you, if any of the information that we hold about you is inaccurate or out of date, or if you wish to withdraw your consent to the processing of your data or to restrict or object to us processing it, please let us know by getting in touch via one of the methods set out under the header “Contact Information“ below.

If you object to our processing of your personal information, we will respect such requests in accordance with our legal obligations. Your objection may mean that we may not be able to perform the actions necessary to achieve the purposes set out above.MUIB may be required or entitled to retain and process your information to comply with legal and regulatory obligations and to protect and exercise our legal rights and legitimate interests.

In addition to those rights outlined above you also have an unconditional right to object at any time to the processing of your personal information for direct marketing purposes by contacting us via one of the methods set out under the header “Contact Information” below.

8. Contact Us

Data Controller 

MelitaUnipol Insurance Brokers Limited is the controller of your personal information. For data protection related matters kindly contact our data protection officer on brokers@muib.com.mt

Contact Information Should you have any questions, comments and requests regarding the processing of your data you may contact us through any of the following methods:

By phone: +356 22067700
By email:   brokers@muib.com.mt
By mail:     The Data Protection Officer, MelitaUnipol Insurance Brokers Limited 15, 5th Floor, Market Street, Floriana FRN1081 Malta