FCGIB Privacy Statement

Effective date: March 5, 2026

This Privacy Statement explains how FIRST CITY GLOBAL INSURANCE BROKERS LIMITED (FCGIB) collects, uses, stores, shares, and protects personal information when clients, prospects, and website visitors use our website, forms, communication channels, and related services.

1. Who We Are

FCGIB provides insurance brokerage and related advisory services. In relation to personal data described in this statement, FCGIB acts as a data controller for information we collect directly from users and may act as a processor where we process data on behalf of insurers, partners, or other authorized entities.

2. Information We Collect

  • Identity and contact data: name, email address, phone number, company details, address, and communication preferences.
  • Insurance and transaction data: policy requests, quote details, claims-related records, payment references, and service history.
  • Technical and usage data: IP address, browser/device type, access logs, page interactions, and session metadata.
  • Communication records: support requests, email/SMS/WhatsApp interactions, and newsletter subscription status.
  • Compliance data: information required for legal, audit, fraud prevention, or regulatory obligations.

3. How We Collect Information

We collect information when you submit forms, request quotes, purchase or renew services, subscribe to messages, contact support, upload documents, or interact with our website and communication channels.

4. Why We Process Your Information

  • To provide brokerage services, quotes, policy administration, and customer support.
  • To process inquiries, manage claims-related communications, and deliver service updates.
  • To send newsletters, campaign communications, and alerts where consent or lawful basis exists.
  • To detect fraud, secure systems, and maintain platform integrity.
  • To meet legal, tax, audit, and regulatory obligations.
  • To improve service quality, website performance, and customer experience.

5. Legal Bases for Processing

Depending on context, processing may rely on consent, contract performance, legal obligation, legitimate interest, or another lawful basis recognized by applicable data protection laws.

6. Cookies and Tracking

We may use cookies and similar technologies to maintain sessions, improve website functionality, analyze usage trends, and support service security. You may manage browser cookie settings, but disabling some cookies may affect functionality.

7. Data Sharing

We may share data only where necessary and appropriate with:

  • Insurers and underwriting partners to process quotes and policies.
  • Payment processors and communication providers (email, SMS, WhatsApp gateways).
  • Technology/service vendors supporting hosting, analytics, and operations.
  • Regulators, law enforcement, courts, or auditors where legally required.

We do not sell personal data for unrelated third-party marketing.

8. International Transfers

Where data is transferred across jurisdictions, FCGIB applies reasonable contractual, technical, and organizational safeguards to protect personal data in line with applicable requirements.

9. Data Retention

We retain personal data for as long as required for service delivery, legal/regulatory compliance, dispute management, fraud prevention, and legitimate business purposes. Retention periods vary by record type and legal requirements.

10. Data Security

FCGIB implements layered security controls, including access restrictions, encryption where appropriate, monitoring, logging, and internal process controls. No system is completely risk-free, but we continuously work to protect your data.

11. Your Privacy Rights

Subject to applicable law, you may have rights to request access, correction, deletion, restriction, portability, objection to certain processing, and consent withdrawal for consent-based processing. We may require identity verification before fulfilling requests.

12. Marketing and Communication Preferences

You may opt out of promotional messages at any time using available unsubscribe channels or by contacting us. Service-critical messages (for example, policy or transaction notices) may still be sent where necessary.

13. Children’s Privacy

Our services are not directed at children without authorized supervision. We do not knowingly collect children’s personal data in violation of applicable law.

14. Third-Party Links

Our website may contain links to third-party websites or services. Their privacy practices are governed by their own policies, and FCGIB is not responsible for third-party privacy content or practices.

15. Policy Updates

We may update this Privacy Statement from time to time. Any updates become effective once published on this page with the revised effective date.

16. Contact and Complaints

For privacy questions, rights requests, or complaints related to this statement, contact FCGIB through our official contact channels listed on the website. We will review and respond within a reasonable timeframe and in line with applicable law.