This Privacy Policy explains how our company “Samui Business Consulting” collects, uses, discloses and protects your information when you use our website https://sbc-insurance.live/ and our related services as an insurance broker.

By using our website and our services, you agree to the data processing rules described in this Policy.

1. Information we collect

In order to provide you with insurance brokerage services, we collect personal data necessary for insurers to calculate prices, conclude policies and provide insurance coverage. This data may include:

1. Personal identifiers:
   1. Full name,
   2. date of birth,
   3. gender,
   4. citizenship.
2. Contact information:
   1. Physical address,
   2. email address,
   3. phone number.
3. Professional and financial information:
   1. Job title,
   2. payment details (e.g. credit card or bank account details for payment processing).
4. Health and lifestyle information:
   1. Personal and family medical history,
   2. insurance claim history,
   3. lifestyle information relevant to insurance.
5. Family information:
   1. Information about your family composition for family insurance plans.
6. Business data:
   1. For corporate clients, we may also collect company registration data, tax information and employee data as required by insurance companies.
7. Minor data:
   1. When collecting data from individuals under 18, we always seek consent from a parent or legal guardian and involve them in all communications.

2. How we collect your information?

1. We collect information directly from you through:
   1. Online forms and quote requests on our website.
   2. Completed questionnaires (electronic or paper).
   3. Communications via email, telephone or instant messaging (e.g. WhatsApp).
   4. Face-to-face meetings and consultations.

3. Legal bases and purposes for processing your data

1. We process your data based on your consent, contractual necessity and our legitimate interests.
2. Contractual necessity:
   1. To provide insurance quotes, process applications, manage your policy, process claims and provide customer support.
3. Legitimate interests:
   1. For internal administrative purposes, website analytics and fraud prevention.
4. Consent:
   1. For marketing communications (see Section 5).

4. How we use and share your information?

1. Your data is used solely for the purposes set out above. We only share your information as necessary:
2. Insurance partners:
   1. Licensed insurance companies and underwriters to issue and service your policy.
3. Third party service providers:
   1. Organizations that assist us with payment processing, IT services and data storage, all of which are bound by confidentiality agreements.
4. Legal and regulatory authorities:
   1. Where necessary to comply with applicable laws, regulations or legal process.
5. We do not and will not sell your personal information to third parties.

5. Marketing communications

1. Samui Business Consulting reserves the right to send you notifications about new insurance products, services, special offers and company news that may be of interest to you.
2. You have the right to opt-out of receiving these marketing communications at any time. You may opt-out of receiving these marketing communications in the following ways:
   1. By clicking on the “Unsubscribe” link in any marketing email we send you.
   2. By sending a clear request to our Data Protection Officer at office@sbc-insurance.live with the subject line “Opt-out of marketing communications”.

6. Data Retention

1. We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including satisfying any legal, accounting or reporting requirements. This generally means we will retain your data for the term of your policy and for up to seven years after it expires for regulatory purposes.

7. Your Data Protection Rights

1. You have the following rights in relation to your personal data:
2. Access:
   1. The right to request copies of the data we hold about you.
3. Rectification:
   1. The right to have inaccurate or incomplete data corrected.
4. Erasure (“Right to be forgotten”):
   1. The right to request that your data be deleted, subject to legal restrictions.
5. Restriction of processing:
   1. The right to request that we temporarily or permanently stop processing your data.
6. Objection to processing:
   1. The right to object to our processing of your data.
7. Data portability:
   1. The right to request that your data be transferred to another service.
8. To exercise any of these rights, please contact our Data Protection Officer using the details in Section 9.

8. Cookies and Tracking Technologies

1. Our website uses cookies and similar tracking technologies to distinguish you from other users, enhance your experience, and analyze our traffic. This helps us provide you with a better website and online service.
2. For detailed information on the specific cookies we use, the purposes for which we use them, and how you can manage your cookie preferences, please refer to our dedicated Cookie Policy: https://sbc-insurance.live/cookie_statement

9. Data Security

1. We implement robust technical and organizational security measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, and access controls.
2. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

10. Contact Us

1. If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact our designated Data Protection Officer:
2. Data Protection Officer
3. Samui Business Consulting
4. Head office: 16 Moo 4, T.Maret, Amphur, Koh Samui, Suratthani, 84310, Thailand
5. Email: office@sbc-insurance.live