Privacy Policy

This policy explains how Beneple collects, uses, shares and protects personal data, and what rights you have over it. It covers this website and our contact forms, and the insurance broking and policy management services we provide.

Beneple is the brand name of FAEU Insurance Brokers LLC, an insurance broker regulated by the Central Bank of the UAE under Licence #92.

We prioritise the privacy and security of personal data, and we provide this notice in accordance with Article 120 of Decretal Federal Law No. (14) of 2018 on consumer protection regulation, together with the other data-protection obligations that apply to us as a regulated insurance intermediary.

Who this policy covers

• Visitors to this website
• People who contact us through a form, by email or by telephone
• Our corporate clients and the people who deal with us on their behalf
• Employees and dependants insured under a policy we arrange or administer

If you are insured through your employer, your employer has also been given a separate privacy notice covering the employee data we handle for them.

The personal data we collect

When you use this website

We collect limited technical information automatically, such as your IP address, device and browser type, and how you move through the site. Some of this comes from cookies — see our Cookie Policy, and note that non-essential cookies only operate if you consent to them.

When you contact us

If you complete a form or contact us directly, we collect what you give us: typically your name, employer, email address, telephone number, your area of interest, your renewal date, and whatever you tell us in your message.

When we arrange and manage your insurance

To identify suitable cover, arrange it and manage the policy, we may collect and process:

• Basic details: name, date of birth, gender, nationality, civil or marital status, and identity verification documents
• Employment-related data: job title, salary, benefits and other remuneration details
• Financial information, where relevant for insurance purposes
• Health and medical information, relevant to underwriting, claims processing and policy administration
• Insurance-related information: existing products and coverage, including terms and conditions

Special categories of data

Where a particular insurance arrangement requires it, we may need to process special categories of data — such as health and ethnic information — to facilitate underwriting and claims handling. In certain cases this may include data relating to criminal convictions, where necessary for underwriting or compliance. We handle this information with the highest level of confidentiality and in line with applicable law.

How we collect it

We collect personal data primarily from you, or from your employer, through forms, emails and other direct communication. We may also use third-party sources — for example screening software, or information provided by an employer — where that is necessary to verify and support an insurance application.

Why we use personal data

Collecting and using this data is necessary in order to enter into and perform a service contract for insurance broking and policy management: it is what allows us to identify suitable cover, arrange it, and manage policies efficiently.

We also process personal data on the basis of our legitimate business interests, to comply with legal obligations — including our obligations to the Central Bank of the UAE — and to meet contractual requirements.

Where we rely on your consent, in particular for non-essential cookies and for marketing communications, you can withdraw it at any time. Withdrawing consent does not affect anything done before you withdrew it.

Who we share it with

Personal data may be shared with:

• Insurance providers, to arrange policies and manage claims
• Third parties who help us deliver our services, such as compliance advisers and legal service providers
• Regulatory bodies, where we are required to share it to meet a legal obligation

We limit shared information to what is necessary for the specified purpose. Sharing data with a third party does not entitle them to send marketing or promotional material to you or to your employees.

We do not sell personal data.

Security and retention

Personal data is stored securely in our systems and is accessible only to authorised personnel, with access restricted to the purposes of the services we provide. We are committed to protecting it against unauthorised access.

We store personal data securely for a minimum of ten years, or longer where the law requires it.

You can help protect your own data when communicating with us — for example by using secure email where you are sending sensitive information.

Your rights

You can:

• Request access to your data
• Request corrections to it
• Request deletion of it, or restriction of how it is used
• Withdraw consent for its use, where applicable
• Request transfer of your data to another entity

To exercise any of these, contact our Data Protection Officer using the details below. We may need to verify your identity before we act on a request.

Cookies and website measurement

Essential cookies are needed for the site to work. Analytics and marketing cookies are set only with your consent, and the banner shown on your first visit lets you choose them separately — you can accept analytics without accepting marketing, or decline both. You can change your choice at any time.

Some measurement does not use cookies at all, and therefore runs whatever you choose in the banner. We use Vercel Web Analytics and Speed Insights to count visits and measure how quickly pages load; these store nothing on your device and do not identify you.

We also use Google Consent Mode. Until you answer the banner — and permanently, if you decline — Google's tags are held in a denied state in which they write nothing to your device. In that state they still send Google a basic signal that a page was viewed, which includes your IP address, and which is used to produce aggregate modelled statistics rather than to identify or track you. Advertising identifiers are removed from those signals. If you consent, cookies are then set as described in our Cookie Policy.

Our Cookie Policy explains each category in full.

Changes to this policy

We review this policy periodically and will update this page when it changes.

How to contact us, and how to complain

For any question about this policy, or to exercise your rights, contact our Data Protection Officer at dpo@beneple.com, or visit our office at 1604 Ubora Tower, Business Bay, Dubai, UAE, PO Box 50685.

If a concern remains unresolved, you may contact the Central Bank of the UAE's Data Protection Officer.

If your concern is about our service rather than about your data, our Complaints Handling Procedure sets out how to raise it and how it will be handled.