Privacy Policy

Last Updated: August 31, 2026

Gulf Trust Insurance LLC ("Gulf Trust," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (www.gulftrustinsurance.com), request a quote, or engage our services. Please read this policy carefully. By using our services, you agree to the practices described herein.

1. Information We Collect

We may collect the following categories of personal information:

• Identifying Information: Full name, date of birth, Emirates ID or passport number, and gender.
• Contact Information: Email address, phone number, and postal/mailing address.
• Insurance & Financial Information: Policy details, claims history, vehicle registration, property details, and payment information.
• Technical Information: IP address, browser type, device identifiers, pages visited, and referring URLs collected automatically through cookies and similar technologies.
• Communications: Records of correspondence, quote requests, and feedback submitted through our website or by telephone.

2. How We Use Your Information

We use the personal information we collect for the following purposes:

• To provide, process, and manage insurance quotes, policies, and claims.
• To communicate with you about your account, policy changes, renewals, and updates.
• To comply with applicable laws, regulations, and licensing requirements in the UAE.
• To detect, prevent, and investigate fraud, identity theft, or other illegal activity.
• To improve our website, services, and customer experience through analytics.
• To send you marketing communications, where you have provided consent or where permitted by law. You may opt out at any time.

3. Disclosure of Your Information

Gulf Trust does not sell, rent, or trade your personal information. We may share your information with:

• Insurance Carriers & Underwriters: To obtain quotes and bind coverage on your behalf.
• Service Providers: Third parties who assist us with IT, payment processing, customer service, or legal support, under strict confidentiality agreements.
• Regulatory Authorities: When required by the UAE Insurance Authority, Central Bank of the UAE, or any competent legal authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, where your information may be transferred as a business asset.

In all cases, we share only the minimum information necessary and require recipients to maintain appropriate security standards.

4. Data Security

We implement industry-standard administrative, technical, and physical safeguards to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include SSL/TLS encryption for data in transit, access controls, and regular security assessments. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes outlined in this policy, including to satisfy legal, accounting, or regulatory requirements. Insurance-related records are typically retained for a minimum of ten (10) years following the expiry or termination of a policy, in accordance with UAE regulatory obligations. After this period, data is securely deleted or anonymised.

6. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyse site traffic, and personalise content. We use:

• Essential Cookies: Required for the website to function correctly.
• Analytics Cookies: Help us understand how visitors interact with our site (e.g., Google Analytics).
• Marketing Cookies: Used to deliver relevant advertisements (only where consent is given).

You may manage or disable cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

7. Your Rights

Subject to applicable UAE law, you may have the right to:

• Request access to the personal data we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal data, subject to legal retention obligations.
• Withdraw consent for marketing communications at any time.
• Object to certain processing activities or request restriction of processing.

To exercise any of these rights, please contact us at the details provided below. We will respond within thirty (30) days of receiving a verified request.

8. Third-Party Links

Our website may contain links to third-party websites, including carrier portals and regulatory bodies. This Privacy Policy applies solely to Gulf Trust Insurance LLC. We are not responsible for the privacy practices of external sites and encourage you to review their privacy policies before sharing any personal information.

9. Children's Privacy

Our services are not directed to individuals under the age of eighteen (18). We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately and we will take steps to delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The "Last Updated" date at the top of this page will be revised accordingly. We encourage you to review this policy periodically. Continued use of our services following the posting of changes constitutes your acceptance of the revised policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact our Data Protection Officer: