Saudi Arabian Cooperative Insurance Company (SAICO)
P.O. Box 58073
Riyadh 11594
Kingdom of Saudi Arabia
Tel.: +966 11 874 9666
Toll-Free: 8001242002
Saudi Arabian Cooperative Insurance Company (SAICO) (hereafter referred to as “SAICO”, “we”, “our”, or “us”) is committed to protecting and respecting your privacy. This Privacy Notice outlines our practices regarding the collection, use, and sharing of your personal data when you access or use our digital platforms, including our websites, customer and employee portals, and social media pages. It is essential to understand how we handle your personal data and your rights in this context.
Scope of This Privacy Notice
This notice applies to all individuals, including employees, customers, visitors, third parties, and others (collectively referred to as “you” or “the user”). By using our services, you consent to the data practices described in this notice.
Our Commitment to Safeguarding Your Data
At SAICO, we prioritize the security and confidentiality of your personal data. We employ a range of physical, electronic, and procedural safeguards designed to comply with applicable laws and regulations, ensuring your information is protected from unauthorized access, use, alteration, and destruction. We continuously train our employees in the proper handling of personal data and adhere to a strict confidentiality code, guaranteeing that all information obtained during work remains secure.
Data Controller
The entity responsible for determining the purposes and means of processing your personal data is Saudi Arabian Cooperative Insurance Company (SAICO). As the Data Controller, we are committed to ensuring that your personal information is collected, used, stored, and shared in a secure and transparent manner. Our role as the Data Controller means we take full responsibility for protecting your data in accordance with the Kingdom of Saudi Arabia’s Personal Data Protection Law (PDPL) and other relevant regulations.
We implement strict controls, policies, and procedures to safeguard the personal data entrusted to us and to ensure that it is processed lawfully, fairly, and transparently.
Information We Collect
To provide customized insurance products and services, we collect personal data necessary for compliance with relevant laws and regulations. The categories of data we may collect include:
• Identity Information: First name, last name, job title, gender, and organization represented (if applicable).
• Contact Information: Billing address, email address, and telephone numbers.
• Financial Information: Bank account details and payment card information.
• Transaction Information: Records of payments made to and received from you, as well as other service-related transactions.
• Technical Information: IP address, login data, browser type and version, time zone settings, operating system, and platform.
• Profile Information: Username and password for access to SAICO’s online services.
• Usage Information: Data regarding how you use our websites, applications, and services.
• Medical and Insurance Information: Medical reports, claims history, and other insurance-related data.
• Recruitment Information: Date of birth, nationality, work history, qualifications, and any information provided during the job application process.
How We Use Your Data
Your personal data may be used for the following purposes:
• Service Provision: To provide, maintain, and improve our insurance services.
• Communication: To send notifications such as welcome letters, billing reminders, and other communications related to your contracts.
• Marketing: To communicate promotions, offers, and other marketing content, subject to your consent.
• Legal Compliance: To comply with legal obligations by sharing your data with government authorities or third-party service providers when necessary.
• Fraud Prevention: To investigate potential fraud or abuse in insurance claims or applications.
Legal Basis for Data Processing
We process your personal data based on several legal grounds, including:
• Explicit Consent: When you have provided clear consent for us to process your data for specific purposes.
• Contractual Obligation: When processing your data is necessary for the performance of a contract with you.
• Legal Obligation: When processing is required to comply with legal obligations.
• Legitimate Interests: When processing is necessary for our legitimate interests, provided these interests do not override your rights.
Sharing Your Information
To deliver our services effectively, we may share your personal data with:
• Government Entities: Regulatory bodies and legal authorities as required.
• Healthcare Providers: Hospitals, clinics, and pharmacies involved in your care.
• Service Providers: IT, payment processing, and other service providers that process your data on our behalf.
• Brokers and Credit Bureaus: For risk assessment and underwriting purposes.
Security Measures
The security of your personal data is paramount. SAICO implements encryption, secure access protocols, and other protective measures to ensure that your personal data remains secure from unauthorized access, misuse, and alteration.
Data Retention
We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Notice and to comply with legal obligations. The duration for which we retain data will vary based on the type of data and applicable regulations.
Your Rights
Under the Personal Data Protection Law (PDPL), you have several rights, including:
• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Correction: You have the right to correct any inaccurate or incomplete personal data.
• Right to Deletion: You may request the deletion of your personal data under certain conditions.
• Right to Restrict Processing: You can limit the way we process your data in specific situations.
• Right to Object: You may object to our processing of your personal data in certain circumstances.
To exercise these rights, please contact us using the contact information provided below.
Contact Us
If you have any questions regarding this Privacy Notice or wish to exercise your rights concerning your personal data, please reach out to our Data Privacy team:
Email: privacy@saico.com.sa
Updates to This Privacy Notice
We may update this Privacy Notice periodically to reflect changes in our practices or legal requirements. The effective date of this notice is 18 September 2024. Any changes will be posted on our website.
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Thank you for trusting SAICO with your personal data. We are dedicated to protecting your privacy and ensuring a secure experience.