Last Updated: May 16, 2023

1. Introduction

BMI Compañía de Seguros S.A. ("BMI", "we", "us" or "our") is committed to protecting your privacy and ensuring a positive experience on our website and when using our products and services. This Privacy Policy describes our approach to privacy in order to comply with our obligations under applicable laws and regulations. By using our Site, you accept the terms of this Privacy Policy.

2. Information We Collect

In order to provide our services and to run our website efficiently, we may collect, use, store and transfer a variety of personal information about you. This information is classified into several categories:

• Identity Information: This may include your first name, last name, username or other similar identifier, marital status, title, date of birth and gender. If required by the nature of the insurance product or service, we may also collect sensitive identity information such as health information or biometric data.
• Contact Information: This involves your physical address, which may include both billing and delivery addresses, email address and contact telephone numbers. We use this information to communicate with you about your insurance policies, to send you notices or updates, and to provide customer service and support.
• Financial Information: We collect financial information such as your bank account details, payment card details and your insurance policy payment history. This information is necessary to manage your policy payments, process claims and reimbursements, and protect against fraudulent activity.
• Transaction Information: We keep records of your transactions with us, including details of the insurance products and services you have purchased from us, your payment history, claims history, and any other interactions you have had with our products and services.
• Technical Information: This includes information such as your internet protocol (IP) address, your login credentials, your browser type and version, your time zone setting and location, the types and versions of browser plugins you use, your operating system and platform, and other technology on the devices you use to access our website. This information helps us ensure that our website works properly across different devices and systems and allows us to secure our site.
• Profile Information: This encompasses information related to your account with us, such as your username and password, purchases or orders you have made, your personal preferences, feedback you have provided to us, and responses to surveys we have conducted. This information helps us understand your needs and preferences, improve our offerings, and personalize our communications with you.
• Usage Information: We collect information about how you use our website, products and services, which helps us understand usage patterns, improve our website, and develop new products and services.
• Marketing and Communications Information: This includes information about your preferences for receiving marketing communications from us and from our third-party partners, as well as your communication preferences. We use this information to personalize our marketing messages, measure the effectiveness of our promotional campaigns, and ensure that you receive information that is relevant and interesting to you.

3. How We Use Your Information

We use the information we collect about you for a variety of purposes. Specifically, we use your information for:

• Provision of Services: We use your personal data to provide you with the insurance products and services you request or purchase from us. This includes using your data to process your insurance policy, manage your account, process claims and renewals, and manage your relationship with us. This processing is necessary for the performance of the contract to which you are a party or to take steps at your request before entering into a contract.
• Risk Assessment and Management: We use your personal data to assess your insurance needs, understand the risk associated with providing you with insurance, set appropriate premiums, and manage and mitigate risk. This processing is necessary for the performance of the contract to which you are a party or to take steps at your request before entering into a contract.
• Customer Support: We use your personal data to provide customer service and support, handle inquiries and complaints, and facilitate communication between you and us. This processing is based on our legitimate interest in providing quality customer service.
• Compliance and Legal Obligations: We use your personal data to comply with applicable legal obligations, including responding to legal processes or requests for information issued by government authorities or other third parties, fraud prevention, audits, compliance with regulatory reporting requirements, and data protection rights requests. This processing is necessary to comply with a legal obligation to which we are subject.
• Marketing: With your explicit consent or where we have a legitimate interest for business development purposes, we may use your contact details to provide you with information about our products and services, where permitted by law. This includes using your data to personalize and improve the relevance of our marketing messages, measure the effectiveness of our advertising, and send you survey and feedback requests. You have the right to opt out of the use of your personal data for marketing purposes at any time.

Please note that the specific purposes for which we process your personal data may vary depending on the legal basis for the processing. Before collecting your personal data, we will inform you whether providing your personal data is mandatory or voluntary and of the possible consequences, if any, of not providing your personal data.

4. Sharing Your Personal Data

We may have to share your personal data with internal third parties, external third parties and specific third parties. We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes, and we only permit them to process your personal data for specified purposes and in accordance with our instructions.

5. International Transfers

In the course of our operations, we may need to transfer your personal information beyond the borders of the Dominican Republic. This may occur when our servers, suppliers or service providers are located in different countries. When we make international transfers of your personal information, we ensure that these transfers are subject to appropriate safeguards and we take all necessary measures to ensure that your personal information is treated securely and in accordance with this Privacy Policy and applicable data protection laws. By using our services and submitting your personal information, you consent to the transfer, storage and processing of your personal information in accordance with this Privacy Policy.

6. Data Security

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and are subject to a duty of confidentiality.

7. Data Retention

Our retention of your personal information is determined by the need for its use and the fulfillment of the purposes described in this policy. Therefore, we will retain your personal information for as long as your account remains active, or for as long as necessary to provide you with our services. In addition to the provision of services, there may be legal, contractual or legitimate business requirements that necessitate the long-term retention of your personal information. For example, laws or regulations may require us to retain certain types of information for a set period in order to comply with legal or regulatory requirements, prevent illegal activities, resolve disputes or enforce our terms and conditions. When the aforementioned requirements cease, we will take appropriate measures to delete, anonymize or de-identify your personal information, unless there is a legal requirement or a legitimate business reason for us to retain it in an identifiable format. Please note that if you request that your information be deleted, we may still need to retain some necessary information for a period of time in order to comply with any legal obligations we may have and to resolve disputes. In all cases, our retention of your personal information will be carried out in compliance with our data retention policies and applicable laws.

8. Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to legal, technical or business changes. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make.

9. Contact Information

If you have any questions or concerns about this Privacy Policy, please contact us using the following details:

Address: Acrópolis Business Mall, Nivel 15, Ensanche Piantini, Santo Domingo, República Dominicana. Phone: (809) 562-6660 Email: bmird@bmicos.com

By using our Site, you confirm that you accept the terms of this Privacy Policy and agree to comply with them. If you do not agree with this Privacy Policy, you must not use our Site.