wakeel Privacy Policy
Last Updated 19 May 2025
Preamble
ACE Gallagher Arabia (hereinafter referred to as “wakeel”, “we”, “us”, or “our”) is committed to complying with all applicable data protection regulations issued by the Insurance Authority and other relevant regulatory bodies in the Kingdom of Saudi Arabia, particularly as they pertain to the privacy and protection of personal data on the wakeel digital platform (the “Website”).
wakeel upholds the highest standards of transparency in the market by offering online insurance comparison services (the “Services”) to all users (hereinafter referred to as “you” or “the user”), enabling you to browse and purchase various insurance products (the “Products”).
In recognition of the importance of user trust, we have undertaken to safeguard your personal data in accordance with the terms and provisions set forth in this Privacy Policy.
Accordingly, this Privacy Policy has been prepared in compliance with the Personal Data Protection Law (“PDPL”) of the Kingdom of Saudi Arabia and the guidelines issued by the Insurance Authority. It outlines the types of personal data we collect, the purpose for its collection, and how we process and protect it during the retention period.
Your access to and use of this Website constitutes your acceptance of the Terms and Conditions contained in this Privacy Policy. If you do not agree with any of these terms, you are advised to discontinue the use of the Website and its Services immediately.
We strongly encourage you to review this Privacy Policy carefully to understand the practices that apply to your use of wakeel’s Services and Products. If you have any questions or concerns, please do not hesitate to contact the wakeel team.
Policy Scope
This Privacy Policy applies solely to this Website. It does not apply to any third-party websites that may be referenced or linked within this Website. We provide such references and links strictly for informational purposes and do not constitute an endorsement of those websites, their content, or their data handling practices. You assume full responsibility for your interactions with any third-party websites.
Definitions
- Personal Data: Any data relating to an identified or identifiable natural person, either directly or indirectly. This may include, but is not limited to, your name, national ID, date and place of birth, contact information (phone number, email address), and national address.
- Processing: Any operation or set of operations carried out on personal data by automated or non-automated means, including collecting, recording, saving, indexing, organizing, formatting, storing, modifying, updating, consolidating, retrieving, using, disclosing, transmitting, publishing, sharing, linking, blocking, erasing, and destroying data.
The Data We Collect
We may collect and process the following categories of personal data:
- Personally Identifiable Information (PII): Includes your full name, identification documents (e.g., national ID or Iqama), and contact details (email address, phone number, address).
- Technical Information: Including IP address, browser type, and access logs.
- Insurance-Related Information: Including policy numbers, vehicle details, and relevant underwriting data.
Data Processing
We process personal data in accordance with the applicable rules and directives of the Saudi Data & AI Authority (SDAIA) and the Personal Data Protection Law, and strictly within the scope of the Website’s Services and Products. The user provides a minimum set of required data, while supplementary data may be collected from authorized third parties relevant to the Services and Products.
Purpose of Data Processing
Your personal data is processed for the following purposes:
- To provide you with our Services and facilitate sharing of your data with insurance providers and/or Najm to enable you to compare and choose between various insurance Products.
- To issue insurance documents, maintain internal records, generate reports, and satisfy legal and technical requirements.
- To support customer service functions, conduct statistical analyses, and enhance or develop existing and future Products.
- To distribute newsletters, marketing and promotional communications, customer satisfaction surveys, market research initiatives, and design other ancillary services required to deliver our insurance Services and Products.
Data Sharing
Your personal data will only be used or disclosed in accordance with applicable law. Generally, we may share your data in the following circumstances:
- With your explicit consent.
- When required or permitted by applicable law.
- With competent government or regulatory authorities in accordance with legal obligations.
We will not disclose your personal data to your spouse, family members, or any third party without your express consent, in full compliance with data protection legislation.
Data Storage and Retention
All data is securely stored within data centers located in the Kingdom of Saudi Arabia. We implement industry-standard security measures, including required encryption and cybersecurity protocols, as mandated by regulatory authorities.
We retain your data for the duration prescribed by applicable legal and regulatory frameworks and only for the purposes outlined in this Privacy Policy. Your data will be used solely to fulfill legal obligations and enforce contractual commitments governed by the Insurance Authority’s directives.
Account Security
Users are required to create a private account using a strong, confidential password. You are responsible for maintaining the security of your login credentials and are encouraged to update your password periodically. If you suspect any unauthorized access or data breach, please notify us immediately.
Online Payments
Should you choose to make payments online through the Website, you will be redirected to a secure electronic payment gateway, where your payment card details may be requested. wakeel does not store your payment information.
Cookies and Network Settings
We may collect personal data through the automatic use of cookies. Cookies are small text files that are placed on your device when you visit the Website to remember your preferences and improve user experience. These allow us to analyze Website traffic and optimize functionality.
You may configure your browser to reject all or certain types of cookies or to alert you when cookies are being sent.
Disclaimer
While wakeel makes every effort to provide high-quality, secure services, we cannot guarantee that the Website or its server is free from viruses, harmful components, or other defects. You are solely responsible for implementing appropriate data protection, system backups, and antivirus scans for your devices.
We further disclaim any liability for the accuracy, functionality, or reliability of third-party software or services accessible via the Website.
Despite all reasonable precautions, no system or transmission method can be guaranteed as completely secure or immune from unauthorized access.
Data Breach Notification
In the event of a data breach, we will promptly notify the relevant regulatory authorities and any affected individuals as required by applicable laws and regulations. All necessary mitigation measures will be taken to reduce risk.
Your Legal Rights
Under the Saudi Personal Data Protection Law, you are entitled to exercise the following rights:
- The right to access your Personal Data. You have the right to see the personal information we hold about you. You can ask for a copy of your personal data in a readable electronic format or a printout. This copy will be provided upon request, provided it does not infringe upon the rights of others, such as those related to trade secrets or intellectual property.
- The right to request the destruction of your Personal Data. You may request the deletion of your Personal Data, in accordance with applicable legal obligations and relevant regulations.
- The right to object to the processing of your Personal Data. You may object to the processing of your personal data under certain circumstances.
- The right to request the transfer of your Personal Data. You have the right to request the transfer of your personal data to another party in an organized format, in accordance with applicable legal obligations and relevant regulations.
- The right to request a Restriction of the Processing of your Personal Data. You may request that we restrict the processing of your personal data in specific cases.
- The right to opt out of Promotional Communications (Direct Marketing). You may contact us at any time to stop receiving promotional communications.
To exercise any of the rights above, don’t hesitate to get in touch with us at help.wakeel@ace-gallagher.com
Intellectual Property and Trademarks
All trademarks and trade names associated with wakeel are the property of ACE Gallagher Arabia. They may only be used by authorized licensees with prior written consent. You agree not to copy, reproduce, or distribute any content from this Website without our prior written approval.
Amendments
ACE Gallagher Arabia reserves the right to amend the contents of the Website, including Terms and Conditions and the Privacy Policy, at any time without prior notice. An up-to-date version of the Privacy Policy will always be accessible via the Website.
Notices
Any notices required under this Privacy Policy may be delivered to you electronically and shall be deemed effective upon transmission. Notices to wakeel shall be sent via email to help.wakeel@ace-gallagher.com
Governing Law and Jurisdiction
This Privacy Policy shall be governed by and construed in accordance with the laws of the Kingdom of Saudi Arabia. By using this Website, you expressly consent to the exclusive jurisdiction of the courts of Saudi Arabia for any dispute arising out of or relating to this Privacy Policy, irrespective of your geographic location.
Contact Us
For any inquiries, concerns, or requests related to this Privacy Policy or your personal data, please contact us at help.wakeel@ace-gallagher.com
