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Privacy Policy

WIS Group Limited and its subsidiaries, affiliates, and partners (collectively “We”, or Our”, “Us”) are committed to protecting the privacy of the individuals We encounter in conducting Our business. This Privacy Policy describes how We handle Personal Information that We collect hold, use, and disclose your personal information through this website (the “Site”) and other means (as defined in section III of this policy), and how We maintain the quality and security of your Personal Information.

By submitting your information, you consent to the use of that information as set out in this policy. If We change Our privacy policy, We will post the changes on this page, and may place notices on other pages of the Site, so that you may be aware of the information We collect and how We use it at all times. Continued use of the service will signify that you agree to any such changes.

I. What is Personal Information?

When used in this Privacy Policy, “Personal information” means any information about an identifiable individual. This may include, for example, information relating to your inquiry with us, including your identity and may also include other types of more technical information such as your IP Addresses, metadata but only when this information can identify you as an individual.

II. Who to Contact About Your Personal Information?

If you have any questions about Our use of your Personal Information you can:

a. e-mail Us at:


b. write to Us at Our postal address: at the offices of Captiva (Cayman) Ltd., Governors Square, 23 Lime Tree Bay Avenue, Bldg 4, 2nd Floor, P.O. Box 32315, Grand Cayman KY1-1209, Cayman Islands.

III. Personal Information That We Collect

Depending on your relationship with Us (for example, as an insurance company, commercial broker or appointed representative; or other persons relating to Our business), Personal Information collected about you may include:

a. General identification and contact information:

The personal information we collect about you may include:
(a) name;
(b) mailing or street address;
(c) email address; and
(d) phone number.
You do not have to provide Us with your personal information. Where possible, We will give you the option to interact with Us anonymously or by using a pseudonym. However, if you choose to deal with Us in this way or choose not to provide Us with your personal information, We may not be able to provide you with Our services or otherwise interact with you.

b. Aggregate information and statistics:

Non-identifiable Site usage and aggregate information which may be provided to third parties. The statistics collected from this information will be used in order to help Us develop the Site and Our services.

c. Marketing preferences and customer feedback:

You may let Us know your marketing preferences via email at

IV. How We Collect Your Personal Information?

We collect your personal information directly from you when you:

(a) visit the Site;
(b) interact with us over the phone;
(c) interact with us in person;
(d) interact with us online;
(e) participate in surveys or questionnaires;
(f) attend a WIS event;
(g) subscribe to our mailing list; and
(h) apply for a position with us as an employee, contractor, or volunteer etc.

V. How We Use Personal Information?

We may use this Personal Information to:

(a) Communicate with you and others as part of Our business.
(b) Send you important information regarding changes to Our services, other terms and conditions, the Site and other administrative information.
(c) Carry out market research and analysis, including satisfaction surveys.
(d) Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed.
(e) Personalize your experience on the Site by presenting information and advertisements tailored to you.
(f) Manage Our infrastructure and business operations, and comply with internal policies and procedures, IT systems; data and website hosting; business continuity; and records, document and print management.
(g) Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence).
(h) Establish and defend legal rights; protect Our operations, Our rights, privacy, safety or property, you or others; and pursue available remedies or limit Our damages.

VI. International Transfer of Personal Information

Due to the global nature of Our business, for the purposes set out above we may transfer Personal Information to parties located in other countries (including countries that have a different data protection regime than is found in the country where you are based). For example, we may transfer Personal Information in order to process international travel insurance claims and provide emergency medical assistance services when you are abroad. We may transfer information internationally to service providers, business partners and governmental or public authorities.

VII. Sharing of Personal Information

We may make Personal Information available to certain entities including but not limited to the following:

a) Our service providers:

External third-party service providers, such as call center service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; similar third-party vendors and outsourced service providers that assist us in carrying out our business activities.

b) Governmental authorities and third parties involved in court action

We may also share Personal Information with governmental or other public authorities (including, but not limited to, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce Our terms and conditions; (e) to protect Our operations; (f) to protect Our rights, privacy, safety or property, you or others; and (g) to allow us to pursue available remedies or limit Our damages.

c) Promotion

We would also like to inform you (by telephone, post, or email) of selected products and services that We and Our carefully chosen suppliers provide. If you would prefer not to receive this information, please notify Us of this when We contact you.

VIII. Security

We will take appropriate technical, physical, legal, and organizational measures, which are consistent with applicable privacy and data security laws. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with Us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), please immediately notify Us. (See section II of this policy.)

When We provide Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate security measures to protect the confidentiality and security of the Personal Information.

IX. Retention of Personal Information

We take reasonable steps to ensure that the Personal Information We process is reliable for its intended use, and as accurate and complete as is necessary to carry out the purposes described in this Privacy Policy. We will retain Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.

X. Personal Information of Other Individuals

If you provide Personal Information to Us regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy; and (b) to obtain any legally-required consent from the data owner for the collection, use, disclosure, and transfer (including cross-border transfer) of Personal Information about the individual in accordance with this Privacy Policy.

XI. Access and Correction Requests, Questions and Concerns

In certain countries, an individual may have the right to access, correct, object to the use of, or request deletion or suppression of Personal Information on certain grounds. Please contact Us as set out in section II of this policy, with any such requests or if you have any questions or concerns about how We process Personal Information. Please note that some Personal Information may be exempt from access, correction, objection, deletion, or suppression rights in accordance with local privacy and data protection laws.

XII. Other Information We Collect Through the Site

“Other Information” is any information that does not reveal your specific identity, such as:

(a) Browser information;
(b) Information collected through cookies, pixel tags and other technologies;
(c) Demographic information and other information provided by you; and
(d) Aggregated information.

XIII. Other Information We Collect

We and Our third-party service providers may collect Other Information in a variety of ways, including the following:

(a) Through your internet browser:

Certain information is collected by most websites, such as your IP address (i.e., your computer’s address on the internet), screen resolution, operating system type (Windows or Mac) and version, internet browser type and version, time of the visit and the page(s) visited. We use this information for purposes such as calculating Site usage levels, helping diagnose server problems, and administering the Site.

(b) Using cookies:

Cookies are pieces of information stored directly on the computer you are using. Cookies allow Us to recognize your computer and to collect information such as internet browser type, time spent on the Site, pages visited, language preferences, etc. We may use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while visiting the Site, or to gather statistical information about the usage of the Site. Cookies further allow Us to present to you the advertisements or offers that are most likely to appeal to you. We may also use cookies to track your responses to Our advertisements and We may use cookies or other files to track your use of other websites.

You can refuse to accept other cookies We use by adjusting your browser settings. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products.

(c) Using pixel tags, web beacons, clear GIFs or other similar technologies:

These may be used in connection with some Site pages and HTML-formatted email messages to, among other things, track the actions of Site users and email recipients, measure the success of Our marketing campaigns and compile statistics about Site usage and response rates.

(d) From you:

Some information (for example, your location or preferred means of communication) is collected when you voluntarily provide it. Unless combined with Personal Information, this information does not personally identify you.

(e) By aggregating information:

We may aggregate and use certain information (for example, we may aggregate information to calculate the percentage of Our users who have a particular telephone area code).

Please note that We may use and disclose Other Information for any purpose, except where We are required to do otherwise under applicable law. If We are required to treat Other Information as Personal Information under applicable law, then, in addition to the uses listed in the section XIII of this policy, We may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.

XIV. Third Party Websites

This Privacy Policy does not address, and We are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site to which this Site contains a link. The inclusion of a link on the Site does not imply endorsement of the linked site by Us.

XV. Use of Site by Minors

The Site is not directed to individuals under the age of eighteen (18), and We request that these individuals do not provide Personal Information through the Site.

XVI. Changes to This Privacy Policy

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in Our business and legal requirements. We will place updates on our site.

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