At Akal Insurance we are committed to safeguarding and preserving the privacy of our visitors. This website privacy policy has been provided by the legal resource of Akal Insurance and reviewed and approved by their solicitors. This Privacy Policy aims to explain what happens to any personal data that you provide to us, or that we collect from you whilst you visit our site.

We do update this Policy from time to time so please do review this Policy on a regular basis.

Information We Collect

In running and maintaining our website we may collect and process the following data about you:

  • Information about your use of our site including details of your visits such as pages viewed and the resources that you access. Such information includes traffic data, location data and other communication data.
  • Information provided voluntarily by you. For example, when you register for information or make a purchase.
  • Information that you provide when you communicate with us by any means.

Use of Cookies

Cookies provide information regarding the computer used by a visitor. We may use cookies where appropriate to gather information about your computer fin order to assist us in improving our website.

We may gather information about your general internet use by using the cookie.  Where used, these cookies are downloaded to your computer and stored on the computer’s hard drive. Such information will not identify you personally. It is statistical data. This statistical data does not identify any personal details whatsoever

You can adjust the settings on your computer to decline any cookies if you wish.  This can easily be done by activating the reject cookies setting on your computer. Our advertisers may also use cookies, over which we have no control.  Such cookies (if used) would be downloaded once you click on advertisements on our website.

Use of Your Information

We use the information that we collect from you to provide our services to you.  In addition to this we may use the information for one or more of the following purposes:

  • To provide information to you that you request from us relating to our products or services.
  • To provide information to you relating to other products that may be of interest to you. Such additional information will only be provided where you have consented to receive such information.
  • To inform you of any changes to our website, services or goods and products.
  • Administer the www.akalinsurance.com/ website
  • Improve your browsing experience by personalizing the website.
  • Enable your use of the services available on the website.
  • Send you goods purchased via the website, and supply to you services purchased via the website www.akalinsurance.com/.
  • Send statements and invoices to you, and collect payments from you.
  • Send you general (non-marketing) commercial communications.
  • Send you email notifications which you have specifically requested.
  • send you [our newsletter and other] marketing communications relating to our business [or the businesses of carefully-selected third parties] which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (and you can inform us at any time if you no longer require marketing communications).
  • Provide third parties with statistical information about our users – but this information will not be used to identify any individual user.
  • Deal with inquiries and complaints made by or about you relating to the website.
  • Keep the website secure and prevent fraud.
  • Verify compliance with the terms and conditions governing the use of the website [(including monitoring private messages sent through our website private messaging service).
  • [Where you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the license you grant to us.
  • Your privacy settings can be used to limit the publication of your information on the website.
  • We will not, without your express consent, provide your personal information to any third parties for the purpose of direct marketing.

If you have previously purchased goods or services from us we may provide to you details of similar goods or services, or other goods and services, that you may be interested in. Where your consent has been provided in advance we may allow selected third parties to use your data to enable them to provide you with information regarding unrelated goods and services which we believe may interest you.  Where such consent has been provided it can be withdrawn by you at any time.

Storing Your Personal Data

In operating our website it may become necessary to transfer data that we collect from you to locations outside of the Canada for processing and storing. By providing your personal data to us, you agree to this transfer, storing or processing. We do our upmost to ensure that all reasonable steps are taken to make sure that your data is treated and stored securely.

Unfortunately the sending of information via the internet is not totally secure and on occasion such information can be intercepted. We cannot guarantee the security of data that you choose to send us electronically, sending such information is entirely at your own risk.

Disclosing Your Information           

We will not disclose your personal information to any other party other than in accordance with this Privacy Policy and in the circumstances detailed below:

  • In the event that we sell any or all of our business to the buyer.
  • Where we are legally required by law to disclose your personal information.
  • To further fraud protection and reduce the risk of fraud.

Third Party Links

On occasion we include links to third parties on this website. Where we provide a link it does not mean that we endorse or approve that site’s policy towards visitor privacy. You should review their privacy policy before sending them any personal data.

Disclosures

We may disclose your personal information to [any of our employees, officers, agents, suppliers or subcontractors] insofar as reasonably necessary for the purposes set out in this privacy policy.

[We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this privacy policy.]

In addition, we may disclose your personal information:

  1. to the extent that we are required to do so by law;
  2. in connection with any ongoing or prospective legal proceedings;
  3. in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
  4. to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and
  5. to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

Except as provided in this privacy policy, we will not provide your information to third parties.

Policy amendments

We may update this privacy policy from time to time by posting a new version on our website. You should check this page occasionally to ensure you are happy with any changes.

[We may also notify you of changes to our privacy policy by email.]

Your rights

You may instruct us to provide you with any personal information we hold about you. Provision of such information will be subject to:

(a)        The payment of a fee.

(b)        The supply of appropriate evidence of your identity.

We may withhold such personal information to the extent permitted by law.

You may instruct us not to process your personal information for marketing purposes [ by sending an email to us]. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.