Advantage Re is a reinsurance management and intermediation firm incorporated in the Dubai International Financial Centre (DIFC) and regulated by the DFSA. We are authorised to act as a (Re)Insurance Manager and (Re)Insurance Intermediary and to hold insurance monies.

We operate from our registered address located at Unit GV-00-04-03-BC-27, Level 3, Gate Village Building 04, DIFC, Dubai, United Arab Emirates. Further information about our business and services can be found at www.advantagere.co.

We collect personal data that is relevant to our reinsurance and insurance services and necessary for compliance with legal and regulatory obligations. This includes information that identifies you personally, such as your full name, nationality, passport or Emirates ID number, residential address, telephone number, and email address. We may also collect information about your employment role, your financial information, and details relevant to insurance policies and claims, including underwriting and communications data.

In some situations, we may also be required to collect and process special category data, such as health-related information, where necessary for the purpose of processing a claim or administering a specific type of policy. This data may be collected directly from you, or through your authorised broker, intermediary, or service provider. We may also receive data from public sources or through verification checks performed as part of our legal and regulatory compliance requirements.

The personal data we collect is used to provide you with our services and to fulfil our legal and regulatory duties. The data enables us to perform obligations under our contracts with you or with insurers, manage and administer reinsurance policies and claims, and comply with the applicable laws of the DIFC and regulations issued by the DFSA. It also supports our efforts to identify and prevent financial crime, such as anti-money laundering and sanctions violations.

Furthermore, we process your data to manage our business operations eƯiciently, including for risk management, auditing, and customer relationship management purposes. The lawful bases on which we rely for processing your data include contractual necessity, compliance with legal obligations, our legitimate business interests, and in some cases, your explicit consent.

Our Sites are not intended for children and we do not knowingly collect, use, or disclose information about children. If you are a minor, please do not provide any personal data even if prompted to do so. If you believe that you have inadvertently provided personal data, please ask your parent(s) or legal guardian(s) to notify us. In the event that we learn that we have inadvertently collected personal data via our Sites from a child, we will delete that information as quickly as possible.

We may share your personal data with trusted third parties where necessary to deliver our services or to comply with legal obligations. These parties include reinsurance companies, underwriting agents, insurance intermediaries, and third-party service providers such as legal and compliance advisors, auditors, claims administrators, and IT support teams.

We may also be required to share data with regulatory authorities, including the DFSA, and with government agencies as required by law. In all such instances, we ensure that data sharing is limited to what is strictly necessary and that such parties have committed to applying appropriate safeguards to your information.

Your personal data may be transferred to and stored in countries outside the DIFC. These jurisdictions may not offer the same level of data protection as the DIFC. Where we make such transfers, we ensure that your data continues to be protected by applying appropriate safeguards, such as entering into standard contractual clauses or using other legally acceptable mechanisms, in accordance with the DIFC Data Protection Law.

We maintain appropriate technical and organisational measures to protect personal data against unauthorised access, misuse, loss, or destruction. Access to personal data is limited to individuals who require it for business purposes, and such individuals are bound by confidentiality obligations.

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, or longer if required by law, regulatory guidance, or contractual obligations. In general, personal data is retained for a minimum period of six years after the end of the client relationship or the conclusion of the insurance contract, unless a longer period is mandated by applicable laws.

Under the DIFC Data Protection Law, you have a number of rights concerning your personal data. These include the right to request access to your data, the right to request correction of inaccurate or incomplete information, and the right to request erasure in certain circumstances. You may also have the right to object to or restrict the processing of your data and to request the transfer of your data in a structured format to another party. Where processing is based on your consent, you may withdraw that consent at any time.

In the event that you believe your rights under data protection law have been infringed, you may also lodge a complaint with the DIFC Commissioner of Data Protection.

To exercise any of these rights, you may contact us using the details provided in the "Contact Us" section below. Please note that we may need to verify your identity before acting on any such requests.

If you provide us with personal data concerning other individuals, such as your employees or other persons covered under an insurance policy, it is your responsibility to ensure that they have been properly informed of this Privacy Notice and that you are authorised to share their data with us.

This Privacy Notice may be updated from time to time to reflect changes in applicable law, regulatory guidance, or our data processing practices. When changes are made, we will publish the updated notice on our website and, where appropriate, notify you directly of significant updates.

If you have any questions about this Privacy Notice, your personal data, or if you wish to exercise your data protection rights, please contact our Data Protection Contact Person at:

Advantage Reinsurance Management Limited

Unit GV-00-04-03-BC-27, Level 3, Gate Village Building 04, DIFC, Dubai, United Arab Emirates

Email: compliance@advantagere.com

Phone:+97 15858 35189

This Privacy Notice is issued in compliance with the DIFC Data Protection Law No 5 of 2020 and applies to all personal data collected and processed by Advantage Re in the course of its regulated business activities.