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Privacy Policy

MNC Insurance Broker Confidential Data Policy

This Confidential Data Policy describes our practices with respect to information we obtain through activities carried out on or through our website, mobile sites, applications, widgets, other mobile interactive features that appear on official social media pages which is in our control (our “Social Media Pages”), and the HTML-formatted email messages we may send to you (collectively, the “Sites”). By registering on our Site and providing us with Personal Information, you agree to the terms and conditions of this Confidential Data Policy.



About MNC Insurance Broker

MNC Insurance Broker is a site that helps people make better protection decisions of their property, financial, asset and health. By learning more about general and life insurance products, and health, finance and risk management related content from our insurance, health and finance experts, we want you to adopt a critical attitude towards what is important to you and your family.

The sites are managed and operated by the IT Team and Web Developer called “MNC Insurance Broker”, “we”.


MNC Insurance Broker Data Confidentiality Policy

When you access the Site and our services, you may be asked to enter your name, email address and mobile number. In order to access the unique MNC Insurance Broker experience, you will be required to agree to the Terms and Conditions and this Data Privacy Policy.

We highly respect individual privacy rights and want you to know that any Personal Information will only be obtained through lawful means and only for the purposes for which it was communicated to you in accordance with this document, and that all steps will be taken to ensure that all Personal Information held by us is maintained in accordance with our security program which is designed to ensure the security and integrity of Personal Information, protect against threats or harm to the security or integrity of Personal Information, and prevent unauthorized access to Personal Information.

This Data Privacy Policy will be changed, updated and/or revised by MNC Insurance Broker at any time and at its absolute discretion. Please ensure that you check our site from time to time for the latest version of our Data Privacy Policy and our Terms and Conditions of Use.



Personal Information We May Obtain

“Personal Information” is any information by which a person’s identity can be disclosed. Examples of personal information are: full name, date of birth, address, email address, gender.

Your Personal Information that we may collect will vary depending on how you use the features on our Sites, and how we collect and use your Personal Information will be limited to the purposes outlined in the “How We May Use Information” Section. Your personal”.

You hereby represent and warrant that all Personal Information that you provide in connection with the use of these Sites is yours. However, if you provide other people’s Personal Information to us in connection with your use of these Sites, then you represent and warrant that (i) you have informed and obtained the consent of the relevant person prior to providing their Personal Information to us; (ii) you have the authority to provide Personal Information on behalf of the person concerned; and (iii) the person has given his/her consent to allow us to use his/her Personal Information in accordance with this Data Privacy Policy.


How We May Collect Personal Information

We may collect your Personal Information in a variety of ways, including:

  • Through the Sites: We may collect Personal Information through the Sites, for example, when reporting a claim through the “Claims” page or to subscribe to a newspaper or submit a question using the “Contact Us” format.
  • From Other Sources: We may receive your Personal Information from other sources, such as community databases, joint marketing partners, social media platforms, from people with whom you are friends or in other words related to social media platforms, such as from third-party third.


How We May Use Personal Information

We may use your Personal Information:

  • To answer your questions and fulfill your requests, such as to send you a newspaper or to answer your questions and comments;
  • To enable you to participate in social sharing, including in social media live feeds; 
  • To send you administrative information, for example, information regarding the Sites and the changes to our terms, conditions and policies;
  • To provide you with updates and announcements about our features, products, offers, promotions and programs and to send you invitations to participate in special programs;
  • To send you promotional/advertising materials from our affiliates, and from our strategic and promotional partners, so you can participate in voting, sweepstakes, instant win promotions, contests and other promotions and to carry out such activities. Some of these activities have additional rules, which may contain additional information about how we use and disclose your Personal Information, so you need to read these additional rules carefully.
  • In order to take advantage of claims consulting services through the “Claim” page, chat service or “Contact us”, use of insurance calculators (where you enter your Personal Information data to make simulations of premium simulations for various insurance products);
  • For our business purposes, such as analyzing and managing our business, market research, developing new features, improving the Sites, identifying usage trends, determining the success of our online activities, customizing the experience and content of the Sites based on your past activities on the Sites, and measuring user satisfaction and providing assistance (including troubleshooting related user issues);

If we wish to use your Personal Information for purposes that are not related to, or directly unrelated to, any of the purposes stated above, then we will notify and seek your permission in advance.


How Personal Information Can Be Open

Your Personal Information may be disclosed:

  • To third party service providers that provide professional services to us; such as site hosting, data analysis, payment processing, order fulfillment, infrastructure provision, IT services, and e-mail delivery services;
  • To third party service providers that conduct marketing campaigns, surveys and/or voting through the Sites. As long as these activities are carried out on the Sites and we are the controller or user of the data obtained, the third party service providers are contractually bound to maintain the confidentiality, security and integrity of the Personal Information obtained;
  • Third party strategic partners with whom we may enter into contractual relationships; as long as they comply with confidentiality obligations and maintain adequate security programs that protect against threats or harm related to the security of the obtained Personal Information. If you are removed from our Sites and enter the sites of such strategic partners, please note that disclosure of your Personal Information to them and your use of their sites will be at your own risk. You are advised to check their websites how their privacy practices are;
  • In connection with promotions, for example, to third parties who are sponsors of sweepstakes, direct win promotions, contests and other promotions, to provide them with lists of winners’ names and countries of residence and/or to announce the names of visitors to the Sites or as appropriate. with the rules that apply to the applicable promotion, which are separately provided to you for your participation in the promotion. If the terms and conditions of the rules regarding the care of your Personal Information conflict with this Data Privacy Policy, then the terms and conditions of those rules shall prevail;
  • To identify you to anyone with whom you send messages via the Sites;
  • By you, on message boards, chats, profile pages and blogs and other services where you can post information and materials (including our Social Media Pages). Please note that any information you transmit or share through these services will be public information, and open to visitors to the Sites and the general public. We encourage you to be very careful when deciding to disclose your Personal Information, or other information, on the Sites;
  • If you participate in social sharing. Please see “Your Use of Social Media and Personal Information” below;
  • Data may also be disclosed if we deem it necessary or appropriate: (a) in accordance with applicable law; (b) to comply with legal process; (c) to fulfill requests for government and public authority; (d) to enforce our terms and conditions; (e) to protect our operations or those of our affiliates; (f) to protect our rights, confidentiality, security or property rights, and/or the rights of our affiliates, you or others; and (g) to allow us to pursue any available remedies or limit the damages we may incur.



You may disclose your personal details by linking your social media account with the Site account or by logging into your Site account from your social media account. If you register on the Sites using a social media account, we may post a regular registration message on your social media profile, and if you click a social media “like” button on a Site when logged in to your social media account, then your action will be sent to the ongoing social media provider and become available on your social media profile. By linking your Site account with your social media account, you authorize us to share information with your social media account provider and you understand that the use of the information we share will be governed by the relevant social media site’s Data Privacy Policy. If you do not want your Personal Information to be shared with other users or with your social media account provider, please do not link your social media account with your Site account and do not participate in social sharing on the Site.

Similarly, if you participate in a live social media feed (which you may normally do, for example, by mentioning us in your social media posts or “liking” us on a social media platform), then your general username and profile photo may appear on the Sites in conjunction with your posting.



Other Information We Can Obtain

“Other Information” means any information other than Personal Information that we may obtain in connection with your use of the Sites, such as:

  • Device and browser information.
  • Server information log files.
  • Information collected through cookies, pixel tags and other technologies.
  • Application usage data.
  • Demographic information and other information provided by you.
  • Location information.
  • Aggregated information.


How We May Collect Other Information

We may collect other information in a variety of ways, including:

  • Via your device or browser: certain information is collected by most browsers or automatically via your device, such as Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, model and manufacturer your device, language, internet browser version and type, service provider, and the name and version of the Sites (such as the Application) that you are currently using. We use this information for statistical purposes as well as to ensure that the Sites are functioning properly.
  • Via server log files: Your “IP address” is a number automatically assigned to the computer or device you are currently using by your Internet Service Provider (ISP). One IP Address is identified and entered automatically into our server log files whenever a user visits the Sites, along with the time of visit and the pages visited. Collecting IP Addresses is standard practice on the Internet and is done automatically by many sites. We use IP Addresses for purposes such as calculating usage of the Sites, helping diagnose server problems, and administering the Sites. Please note that we treat IP Addresses, server log files and related information like Other Information, except where we are required to do otherwise under applicable law.
  • Using cookies: Cookies allow a network server to transfer data to a computer or device for logging and other purposes. We use cookies and other technologies to, among other things, better serve you with more personalized information and improve your ongoing access to and use of the Sites. If you do not want your information to be collected through the use of cookies, there is a simple procedure in most browsers that allows you to opt out of the use of cookies.
  • Using pixel tags, web beacons, cleaning GIFs or other similar technologies: These may be used in conjunction with certain pages on the Sites and HTML-formatted email messages to, among other things, track user actions Websites and e-mail recipients, measure the success of our marketing campaigns and collect statistics on Site usage and response speed.
  • From you: Information such as date of birth, gender and postal code, as well as other information, such as the communication tools you choose, may be obtained when you knowingly provide this information. Unless used in combination with other Personal Information, it is not intended to identify you or other users of these Sites.
  • By collecting information: Any information obtained through the Sites, whether the information is Personal Information or Other Information, may be collected for statistical analysis without being noticed. All information collected and maintained by us will not personally identify you or any other user of these Sites.


How We May Use and Disclosure Other Information

Please note that we may use and disclose Other Information for any purpose, unless prohibited by applicable law. If we are required to treat Other Information as Personal Information under applicable law, then we will only use that Other Information for the purposes listed in Section 1 – How We Can Obtain Other Information above and Section 3 – How We May Use Your Personal Information from the “CONFIDENTIAL INFORMATION” section.

In some cases, we may combine Other Information with Personal Information (such as combining your name with a postal code). If we combine Other Information with Personal Information, the combined information will be treated like Personal Information.



This Data Privacy Policy does not address, and we are not responsible for, the confidentiality, information or other practices of any third parties, including sites operated by third parties to which the Sites contain a link to them. The inclusion of a link on the Sites does not imply endorsement of the site linked to by us or by our affiliates.

In particular, please note that the Sites may contain a link to e-commerce sites, including some partner sites with which MNC Insurance Broker will enter into. This Data Privacy Policy does not regulate the sites to which the Sites may contain a link. Any Personal Information that you provide through these sites will be subject to the data privacy policies of those sites, and not to this Data Privacy Policy. We have no power over, and will not be responsible for, the use of information obtained through these sites.

In addition, we may provide you with access to third party functions that allow you to post content to your social media accounts. Please note that any information you provide through the use of these functions is governed by the applicable third party data privacy policy, and not by this Data Privacy Policy. We do not have the power to, and will not be responsible for, the use of any third party information that you provide through the use of this function.

We are also not responsible for the collection, use and disclosure of the policies and practices (including data security practices) of organizations, such as Facebook, Apple, Google, Microsoft, RIM or other application developers, application providers, media platform providers. social media, operating system provider, wireless service provider or device manufacturer, including any Personal Information that you share with other organizations through or in connection with the MNC Insurance Broker Application or our Social Media Pages.



We use adequate administrative, technical and organizational measures to protect Personal Information in our possession or under our control. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us was unsafe (for example, you feel that the security of any account you have with us has been compromised), please notify us immediately by contacting us in accordance with the “Contact Us” section of this Site.



Your choices regarding the use and disclosure of your Personal Information

The use and disclosure of your Personal Information for marketing purposes is subject to your consent:

  • If you consent to the use and disclosure of your Personal Information for certain marketing purposes or other activities, you will have the option to choose those activities that may be carried out by us or the relevant third party. If you choose not to participate in any of these activities, please uncheck the relevant checkbox; if you choose to participate in our activities, you have given us permission to bind and submit related information and activity updates;
  • If you wish to unsubscribe from our newspaper, please go to the bottom of any email containing the newspaper and click the “Unsubscribe” link, where you will be directed to a new window with a confirmation email addressed to us to remove you from our newspaper feature.

Please note that changes may not take effect immediately. We will endeavor to fulfill your request as soon as possible.


How You Can Access, Change or Delete Your Personal Information

To check, correct, update, delete or in other words limit our use of your Personal Information that has been previously provided to us, you can access your details on your profile page. Note that despite our best efforts, there may be residual information remaining on the backup media and server, which will not be deleted or modified until the backup copies are scheduled for deletion. In all cases, as long as your Personal Information is in our possession or under our control, we will continue to protect your Personal Information in accordance with this Data Privacy Policy.



We will retain Personal Information for the period necessary to fulfill the purposes outlined in this Data Privacy Policy, unless a longer retention period is required or permitted by law.



We ask you not to transmit or disclose to us sensitive Personal Information (for example, information regarding racial or ethnic origin, political opinions, religion or other beliefs, criminal background or trade union membership) on or through the Sites or by word of mouth. other to us.



We may change this Data Privacy Policy from time to time. Please look at the “Last Updated” history at the top of this page to see if this Data Privacy Policy was last revised. You are encouraged to view our Sites from time to time for the latest version of our Data Privacy Policy. Any changes to this Data Privacy Policy will become effective as soon as the revised Data Privacy Policy is posted on the Sites. Your use of the Sites after these changes will constitute your acceptance of the revised Data Privacy Policy.



If you have any questions about our Data Privacy Policy, email us at info@mnc-insurancebroker.com or visit the FAQ page using the menu at the bottom of all pages on our site.


Updated at March 18th, 2022