Covermatch Technologies FZCO ("Covermatch", "we", "us" or "our") respects your privacy and is committed to handling personal information responsibly, securely and transparently.
This Privacy & Cookie Policy ("Policy") explains how personal information and other data may be collected, used, processed, stored, transmitted, shared or otherwise handled when you visit or interact with www.covermatch.com, including its webpages, quotation interfaces, forms, comparison tools and other digital services (collectively, the "Website").
It also explains how we use cookies, analytics, advertising technologies and similar technologies.
This Policy should be read together with our Terms and Conditions and any specific privacy notice, consent, declaration or acknowledgement presented when information is requested from you.
Legal Entity: Covermatch Technologies FZCO
Website: www.covermatch.com
Registered Address: Office 2019, Building A5,Dubai Digital Park, Dubai Silicon Oasis,Dubai,UAE
Commercial Licence No.: 2946
CBUAE Registration/Reference No.: 13
Email: contact@covermatch.com
Telephone: 043209810
Covermatch operates an insurance price-comparison technology platform in the United Arab Emirates.
Covermatch provides insurance policy price-comparison services only.
Covermatch is not an insurance company, insurance underwriter, insurance broker, insurance agent or insurance consultant.
Insurance brokerage services associated with insurance enquiries originating through Covermatch are principally provided through Northstar Insurance Brokers LLC, a separately licensed insurance broker regulated by the Central Bank of the UAE ("CBUAE").
Where appropriate and legally permitted, another appropriately licensed insurance broker may be involved in a particular insurance transaction.
Insurance policies are underwritten by the insurance company identified in the applicable insurance documentation.
This Policy applies when you:
Separate privacy terms may apply where your information is independently processed by an insurer, licensed insurance broker, TPA, bank, payment provider or another third party.
Covermatch operates an insurance price-comparison technology platform in the United Arab Emirates.
When you use the Website, we may collect and process information necessary to operate the Website, provide insurance comparison functionality, facilitate your insurance enquiry and support the associated digital customer journey.
Insurance-related information submitted through the platform may be processed through technology systems used in connection with the Covermatch platform and transmitted, where necessary and appropriate, to the licensed insurance broker responsible for the transaction, participating insurers, TPAs and other appropriately authorised insurance-service providers.
Depending upon the nature of the information and the applicable regulatory arrangement, information may be maintained within systems operated by or for the parties involved in providing the relevant service.
Personal information is processed only for legitimate and permitted purposes and in accordance with applicable UAE data-protection laws, CBUAE requirements, contractual arrangements and the respective regulatory responsibilities of Covermatch, licensed insurance brokers, insurers and other authorised parties.
Nothing in this Policy expands Covermatch's regulatory role beyond the activities permitted to it under applicable UAE insurance regulations.
The information involved will depend upon:
The following sections describe the main categories.
This may include:
For motor insurance, information may include:
For health, medical, life, critical illness, travel or other products involving health information or medical underwriting, information may include:
Health and medical information is sensitive information and should only be requested and processed where necessary and appropriate for the relevant insurance purpose.
Travel-related information may include:
Depending upon the product, information may include:
Depending upon the insurance product, documents may include:
Please provide only documents relevant to the requested insurance service.
You may provide information relating to another person, including:
Where you provide information about another person, you should have appropriate authority or another lawful basis to provide that information where required.
When you use the Website, technical information may be generated or collected automatically.
Depending upon Website configuration and your applicable cookie choices, this may include:
Information may be received:
Depending upon the circumstances, information may be processed to:
We aim to request and process information appropriate to the relevant purpose.
Please do not provide unnecessary personal, confidential or sensitive information.
In particular, do not upload medical records, identification documents or other sensitive information unless requested through an appropriate interface for a legitimate insurance purpose.
You are responsible for ensuring that information you provide is accurate and complete to the best of your knowledge.
This is particularly important for insurance applications and underwriting.
Technical validation by the Website does not mean that the underlying information has been independently verified.
Acceptance of a telephone number, email address, identification-number format, vehicle detail or uploaded document by the Website therefore does not itself confirm its accuracy or authenticity.
Insurance information may be processed to:
Where necessary, appropriate and legally permitted, information may be provided or transmitted to:
Information should be provided only to the extent appropriate for the relevant purpose.
A licensed insurance broker handling an insurance enquiry may process information in accordance with its own regulatory responsibilities.
This may include processing for:
The broker's regulatory responsibilities are separate from Covermatch's role as a price-comparison website.
Participating insurers may process information for purposes including:
Insurers may have their own privacy notices and legal obligations.
Depending upon the product, information may be processed by:
Their involvement will depend upon the applicable insurance arrangement.
We may use technology providers to support Website and business functionality.
Depending upon the service, these may include providers of:
Such providers should receive information only where necessary for their permitted function and subject to applicable legal, regulatory and contractual requirements.
Information will be processed where an appropriate legal basis exists.
Depending upon the circumstances, this may include processing:
Where consent is relied upon, it may be withdrawn subject to applicable law.
Submitting an insurance enquiry or requesting a quotation is not the same as giving unrestricted consent to promotional marketing.
Information necessary to handle an insurance enquiry may be processed for that purpose where otherwise lawful.
Optional marketing consent should be obtained separately where required.
Where legally permitted and, where required, with appropriate consent, we may provide information concerning:
Permitted channels may include:
You may withdraw applicable marketing consent or use available opt-out mechanisms.
Opting out of marketing does not prevent communications necessary for an existing insurance enquiry, policy or another non-marketing purpose where permitted.
Marketing communications are subject to applicable UAE telemarketing, consumer-protection and CBUAE requirements.
Where applicable, requirements concerning consent, permitted calling, do-not-call restrictions and opt-outs will be observed.
An insurance quotation request should not be treated as unlimited consent for unrelated future marketing.
The Website may use cookies and similar technologies, including:
A cookie is a small data file used by a website or related service for functions such as remembering information, security, analytics or advertising measurement.
Depending upon Website configuration, cookies and similar technologies may fall into the following categories.
Strictly Necessary
Used for functions such as:
Functional
Used to remember choices such as:
Analytics and Performance
Used to understand:
Advertising and Marketing
Where legally permitted, these may support:
Where enabled, we may use Google Analytics to understand Website usage and performance.
Depending upon configuration and consent settings, information may include:
Google Analytics will be configured and used subject to applicable privacy, consent and regulatory requirements.
We may advertise Covermatch through Google Ads.
Where Google advertising technologies are enabled and legally permitted, information such as:
may be used for advertising measurement and attribution.
Google advertising technologies should not be given unrestricted access to insurance application information.
We may advertise through social-media platforms and other online advertising services.
Subject to applicable requirements, technologies such as advertising pixels may be used to measure:
The relevant platform may separately process information under its own privacy terms.
We do not intend advertising platforms to receive the contents of insurance applications, uploaded identity documents, medical reports or other sensitive insurance information merely because analytics or advertising technology is used on the Website.
Advertising and analytics implementations should be configured to minimise or prevent the intentional transmission of inappropriate sensitive information to advertising providers.
Particular care should be taken in relation to:
Where legally permitted, advertising platforms may be used to measure whether advertising resulted in an appropriate event, such as:
Conversion tracking should be configured to avoid transmitting unnecessary sensitive insurance information.
Where legally permitted and subject to applicable consent requirements, advertising technologies may be used for remarketing or personalised advertising.
A visitor should not be treated as having consented to optional personalised advertising merely because they visited Covermatch or requested an insurance quotation where separate consent is required.
Where applicable requirements call for consent before non-essential technologies are used, a cookie-consent or preference interface may be provided.
Depending upon Website configuration, users may be offered choices concerning:
Users may change applicable preferences through:
Cookie Settings
Browser settings may also be used to manage or delete cookies.
Restricting some cookies may affect Website functionality.
Where Google technologies are used, we may implement Google Consent Mode or similar consent-management functionality.
This allows supported Google technologies to respond to consent choices relating to areas such as:
Consent Mode works together with the Website's consent mechanism and does not itself replace an appropriate cookie-consent interface where one is required.
Cookies may be:
Session cookies — generally removed when a browsing session ends; or
Persistent cookies — retained for a defined period unless deleted earlier.
Cookie duration depends upon the purpose and configuration of the technology.
Where appropriate, further information concerning individual cookies and their duration may be provided through Cookie Settings.
Some cookies or similar technologies may be provided by third parties supplying:
Those providers may independently process information under their applicable privacy terms.
Technical information may be generated for purposes including:
Such information will be handled subject to applicable legal and regulatory requirements.
Where legally permitted, information and technical signals may be used to detect or prevent:
Information may be provided to an appropriate regulated party or competent authority where required or permitted by law.
We use or may use reasonable technical and organisational safeguards appropriate to the systems and information within our responsibility.
Depending upon the system, measures may include:
No internet-connected system can be guaranteed to be completely secure.
Covermatch does not receive insurance premiums in its capacity as an insurance price-comparison website.
Where payment is required for an insurance transaction, payment may be processed through an authorised arrangement involving the relevant insurer, bank, card network, payment gateway or authorised payment-service provider.
Payment providers may independently process information under their own privacy and security terms.
Some technology or service providers may operate infrastructure in more than one country.
Where personal information is transferred or processed internationally, such activity should take place in accordance with applicable UAE legal and regulatory requirements and with appropriate safeguards where required.
Insurance-related information may additionally be subject to specific CBUAE requirements.
Information is retained only for as long as appropriate for the applicable lawful purpose and subject to applicable regulatory requirements.
Retention periods may vary depending upon:
Licensed insurance brokers and insurers may have regulatory obligations requiring them to retain particular insurance records for prescribed periods.
Covermatch's handling and retention of information remains subject to the regulatory requirements applicable to its role as an insurance price-comparison website.
Where information is lawfully held and is no longer required, it may be:
as appropriate and subject to applicable legal and regulatory requirements.
A deletion request does not require an insurer, broker or other regulated entity to delete information it is legally required to retain.
Where a personal-data or cybersecurity incident occurs, the responsible entity will handle it in accordance with applicable legal and regulatory requirements.
This may include:
Depending upon applicable UAE law, the circumstances and the entity responsible for the information, individuals may have rights concerning their personal information.
Where legally applicable, these may include rights relating to:
These rights may be subject to legal exceptions and regulatory record-retention requirements.
Information may be independently controlled or maintained by:
Where a privacy request concerns information controlled by another organisation, the request may need to be directed to that organisation.
Where appropriate, we may assist in identifying the relevant organisation.
Where processing is based upon consent, consent may generally be withdrawn for future processing subject to applicable law.
Withdrawal does not affect processing already lawfully undertaken before withdrawal.
Withdrawal also does not prevent processing that remains lawful or necessary under another applicable legal basis.
Technology may be used to:
A technology-generated comparison or result does not itself constitute an insurer's final underwriting decision.
The relevant insurer remains responsible for underwriting decisions.
The Website is not intended for children to independently enter into insurance contracts where they do not have legal capacity to do so.
Information concerning children or dependants may nevertheless be required for legitimate insurance purposes, including family health or travel insurance.
Such information should be provided by an appropriately authorised parent, guardian, sponsor or other authorised person where required.
The Website may contain links to independently operated websites, including those of:
Third-party websites may have their own privacy and cookie policies.
Users should review those policies before providing information directly to the relevant organisation.
Covermatch may maintain accounts or pages on social-media platforms.
When you interact directly with a social-media platform, the platform may independently process information under its own terms and privacy policy.
This Policy does not replace the privacy terms of an independently operated social-media platform.
Public Website pages may be crawled, cached or indexed by search engines.
Personal insurance applications, identification documents, medical information and other non-public customer information are not intended to become publicly searchable merely because Covermatch operates a public Website.
Appropriate technical controls may be used to manage indexing of private or transactional areas.
Access to personal and confidential information should be restricted to appropriately authorised persons and systems requiring access for the relevant purpose.
Persons and organisations handling such information may also be subject to legal, regulatory, contractual or professional confidentiality requirements.
Information may be disclosed where required or permitted by applicable law, including in response to:
Only information appropriate to the applicable requirement should be disclosed.
If Covermatch undergoes a lawful:
information lawfully held by Covermatch may be transferred where legally permitted and subject to applicable regulatory requirements.
We may update this Privacy & Cookie Policy periodically to reflect changes in:
The latest version will be published on the Website with the applicable effective or last-updated date.
Where applicable law requires specific notice or consent concerning a material change, the relevant requirement will be followed.
For questions concerning this Privacy & Cookie Policy or the handling of personal information, contact:
Covermatch Technologies FZCO
Email: contact@covermatch.com
Telephone: 043 209 810
Address: Office 2019, Building A5, Dubai Digital Park, Dubai Silicon Oasis, Dubai, UAE
If you have a concern regarding the handling of your information, please contact us using the details above.
Where the concern relates to information independently controlled by a licensed insurance broker, insurer or another regulated organisation, the matter may need to be addressed to that organisation.
Nothing in this Policy limits any right available under applicable UAE law to approach an appropriate competent authority.
Where available, you may review or change applicable non-essential cookie preferences through:
Cookie Settings
You may also manage cookies through your browser settings.
Changing Website preferences may not automatically delete cookies already stored on your device. Those may need to be deleted through your browser.
Information and documents submitted in connection with an insurance enquiry may be processed through technology systems used in connection with the Covermatch platform and transmitted, where necessary and appropriate, to the licensed insurance broker handling the enquiry and, where relevant, participating insurers, TPAs, other appropriately licensed insurance brokers and authorised insurance-service providers for quotation, underwriting, verification and insurance-processing purposes.
The handling of insurance-related information is subject to applicable UAE data-protection laws, CBUAE requirements and the respective regulatory responsibilities of Covermatch and the regulated parties involved in the insurance transaction.
Where medical information is requested for an insurance application, you should provide complete and accurate information to the best of your knowledge. Medical and pre-existing-condition information may be transmitted to the appropriate licensed broker, insurer, TPA or other authorised party where necessary for underwriting or insurance processing.
Covermatch uses or may use cookies and similar technologies for Website operation, security, functionality, analytics and, where legally permitted and subject to applicable consent requirements, advertising measurement and marketing.
You can review applicable choices through Cookie Settings.
Advertising and analytics technologies should be configured so that sensitive insurance information, medical information, Emirates ID information, passport information, uploaded documents and other inappropriate sensitive information are not intentionally transmitted to advertising platforms for advertising purposes.
Requesting an insurance quotation does not automatically constitute unrestricted consent to receive unrelated promotional marketing. Where separate marketing consent is required, it will be requested separately and may be withdrawn in accordance with applicable requirements.
Covermatch Technologies FZCO provides insurance policy price-comparison services only. Covermatch is not an insurance company or insurance broker and does not itself underwrite insurance or assume insurance risk. Insurance brokerage services are provided by the appropriately licensed insurance broker responsible for the relevant transaction, and insurance policies are underwritten by the insurer identified in the applicable insurance documentation.
