Privacy Policy

1. Introduction

Intellicrest ("we," "us," or "our") takes the privacy of your information very seriously. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website or interact with our services.

This policy applies to information collected through:

• Our website (intellicrest.io)
• Email communications
• Contact forms and inquiries
• Marketing and business development activities

Note: This Privacy Policy covers only our public website. Use of the Intellicrest Platform is governed by separate data processing agreements. For Platform privacy terms, please contact privacy@intellicrest.io.

2. Who We Are

Intellicrest provides an enterprise insurance management platform for insurance carriers, reinsurers, and brokers. We are headquartered in Dubai, United Arab Emirates.

Data Controller:

For information collected through our website and marketing activities, Intellicrest is the data controller responsible for your personal information.

Data Processor:

For information processed through our Platform on behalf of customers, our customers are the data controllers and Intellicrest acts as a data processor. See Section 13 for more details.

3. Information We Collect

3.1 Information You Provide

We collect information you voluntarily provide when you:

• Fill out contact forms or request information
• Subscribe to our newsletter or updates
• Register for webinars or events
• Download resources or whitepapers
• Communicate with us via email or phone
• Request a demo or consultation

This may include:

• Name and contact information (email, phone number)
• Company name and job title
• Industry and role information
• Communication preferences
• Any information you include in messages to us

3.2 Information Automatically Collected

When you visit our website, we automatically collect certain technical information:

• IP address and approximate geographic location
• Browser type, version, and language settings
• Device information (type, operating system)
• Pages visited and time spent on our website
• Referring website or source
• Date and time of access

This information is collected through cookies and similar technologies. See Section 10 for more details.

4. How We Use Your Information

We use your personal information for the following purposes:

4.1 To Provide Services and Information

• Respond to your inquiries and requests
• Provide information about our Platform and services
• Schedule demos and consultations
• Deliver requested resources and content

4.2 Marketing and Communications

• Send newsletters, updates, and marketing communications (with your consent)
• Inform you about new features, services, and events
• Conduct market research and gather feedback

4.3 Website Improvement and Analytics

• Analyze website usage and performance
• Improve website content, features, and user experience
• Monitor and prevent technical issues
• Understand user preferences and behavior

4.4 Legal and Security

• Comply with legal obligations and regulations
• Protect against fraud, abuse, and security threats
• Enforce our Terms & Conditions
• Respond to legal processes and requests

5. Legal Basis for Processing

We process your personal data based on the following legal grounds:

5.1 Consent

When you provide information through forms or subscribe to communications, you consent to our processing of that information for the stated purposes.

5.2 Legitimate Interests

We have legitimate business interests in:

• Providing information about our services to prospective customers
• Improving our website and user experience
• Conducting business development and marketing activities
• Protecting our business and preventing fraud

5.3 Legal Obligations

We may process your data to comply with applicable laws, regulations, and legal processes.

6. How We Share Your Information

We do not sell your personal information. We may share your information with:

6.1 Service Providers

We may share information with trusted third-party service providers who assist us with:

• Website hosting and infrastructure (e.g., cloud providers)
• Email marketing and communications platforms
• Analytics and website performance tools
• Customer relationship management (CRM) systems
• IT support and technical services

These providers are contractually obligated to protect your information and use it only for the purposes we specify.

6.2 Legal Requirements

We may disclose your information when required by law or in response to:

• Legal processes (subpoenas, court orders)
• Regulatory or government requests
• Protection of our rights, property, or safety
• Investigation of fraud or security issues

6.3 Business Transfers

If Intellicrest is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and how it affects your privacy rights.

7. Data Security

• Encryption of data in transit and at rest
• Secure servers with firewall protection
• Access controls and authentication requirements
• Regular security assessments and updates
• Employee training on data protection
• Incident response and monitoring procedures

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law.

General retention periods:

• Marketing contacts: 5 years from last interaction or until you withdraw consent
• Website analytics: 26 months from collection
• Customer account data: Duration of relationship + 7 years
• Support communications: 3 years from resolution

You may request deletion of your information at any time, subject to our legal obligations and legitimate interests.

9. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

9.1 Access and Portability

• Request a copy of your personal data we hold
• Receive your data in a structured, machine-readable format

9.2 Correction and Update

• Correct inaccurate or incomplete information
• Update your contact preferences

9.3 Deletion

• Request deletion of your personal data (subject to legal requirements)
• Withdraw consent for marketing communications

9.4 Restriction and Objection

• Restrict processing of your data in certain circumstances
• Object to processing based on legitimate interests
• Opt out of marketing communications at any time

9.5 Lodge a Complaint

File a complaint with your local data protection authority.

To exercise your rights, contact us at: privacy@intellicrest.io

We will respond to your request within 30 days (or as required by applicable law).

10. Cookies and Tracking Technologies

10.1 What Are Cookies

Cookies are small text files stored on your device that help us provide and improve our services. We use cookies and similar technologies for:

• Essential website functionality
• Performance and analytics
• User preferences and personalization

10.2 Types of Cookies We Use

Essential Cookies: Required for basic website functionality. These cannot be disabled.

Analytics Cookies: Help us understand how visitors use our website (e.g., Google Analytics). These collect anonymous information about page views, time spent, and user behavior.

Functional Cookies: Remember your preferences and settings to provide a personalized experience.

10.3 Cookie Consent

When you first visit our website, we will ask for your consent to use non-essential cookies. You can manage your cookie preferences at any time through:

• Our cookie consent banner
• Your browser settings
• Our cookie preference center (if available)

10.4 Third-Party Cookies

We may use third-party services that set cookies:

• Google Analytics (website analytics)
• Marketing and advertising platforms (if applicable)

These services have their own privacy policies, which we encourage you to review.

11. International Data Transfers

Intellicrest is based in the United Arab Emirates. Your information may be transferred to and processed in countries outside your country of residence, including:

• UAE (our primary operations)
• Countries where our service providers are located
• Countries where our customers operate

When we transfer data internationally, we implement appropriate safeguards to protect your information, including:

• Standard Contractual Clauses (SCCs)
• Data Processing Agreements with service providers
• Compliance with applicable data protection laws

For EU/EEA data subjects, we comply with GDPR requirements for international transfers.

12. Children's Privacy

Our website and services are designed for business and professional use. We do not knowingly collect personal information from individuals under 18 years of age.

If you are under 18, please do not provide any personal information through our website. If we become aware that we have collected information from a minor, we will delete it promptly.

13. Platform Data Processing

Important Notice for Platform Users:

This Privacy Policy covers only our website. If you are a policyholder, insured party, or individual whose data is processed through the Intellicrest Platform:

• Your data is controlled by our CUSTOMER (the insurance carrier, reinsurer, or broker)
• Intellicrest acts as a DATA PROCESSOR on behalf of our customer
• To exercise your privacy rights, contact the insurance company that collected your information
• Our customer's privacy policy governs their use of your data

For questions about Platform data processing, contact our customer or email: privacy@intellicrest.io

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

When we make changes:

• We will update the "Last Updated" date at the top of this page
• We will post the revised policy on our website
• For material changes, we may notify you via email or website notice

Your continued use of our website after changes are posted constitutes acceptance of the updated policy.

15. Applicable Laws

This Privacy Policy is governed by applicable data protection laws, including:

• UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (UAE PDPL)
• EU General Data Protection Regulation (GDPR) - for EU visitors
• Other applicable international data protection laws

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Data Protection Contact
Intellicrest
[Complete Legal Address]
Dubai, United Arab Emirates

Email: privacy@intellicrest.io
Website: intellicrest.io/contact

Complaints and Regulatory Authorities

If you believe we have not adequately addressed your privacy concerns, you may lodge a complaint with:

UAE Data Subjects:
UAE Data Office (when operational)
[Contact details to be provided]

EU Data Subjects:
Your local Data Protection Authority
List of EU DPAs: https://edpb.europa.eu/about-edpb/board/members_en

This is a preliminary version of our Privacy Policy and is subject to change. We are committed to protecting your privacy and are working with legal counsel to finalize comprehensive data protection procedures. This document was last updated on February 14, 2025.