Terms and Conditions

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1. Introduction
Welcome to the "Yaqeen" Insurance Services website. Your use of this website is subject to the following terms and conditions, which represent a legal agreement between you and "Yaqeen". By using the site, you agree to these terms. Please read them carefully.

2. Services Provided
The website offers comprehensive insurance services, including medical, vehicle, property insurance, and more. "Yaqeen" acts as an insurance broker between clients and insurance companies and is not responsible for pricing or document approvals. "Yaqeen" does not guarantee immediate approval of requests.

3. Terms of Use
Users must be at least 18 years old. Accurate and complete information must be provided. Use of the site for illegal purposes or rights violations is prohibited. "Yaqeen" reserves the right to suspend or cancel any account that violates these terms.

4. Privacy and Data Protection
We are committed to protecting user data in accordance with the applicable regulations in the Kingdom of Saudi Arabia. Data such as name, ID number, contact information, and request history may be collected to improve service quality. Data will not be shared without permission unless required by law.

5. Intellectual Property Rights
All content on the site, including text, designs, and logos, is the property of "Yaqeen" or its providers and is protected by intellectual property laws. No part may be copied or redistributed without prior written permission.

6. Disclaimer
"Yaqeen" makes every effort to ensure the accuracy of the information, but does not guarantee the site is free from errors or interruptions. The company is not responsible for any damage resulting from the use of the site or reliance on its content. Prices and offers are subject to change without prior notice.

7. Governing Law and Jurisdiction
These terms are subject to the laws of the Kingdom of Saudi Arabia, and any disputes shall be resolved by the competent judicial authorities within the Kingdom.

8. Amendments to the Terms
"Yaqeen" reserves the right to amend these terms at any time to meet business or regulatory requirements. Your continued use of the site after updates constitutes acceptance of the new terms.

Privacy Policy

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Yaqeen United Insurance Brokerage (hereinafter referred to as “Yaqeen”, “we”) understands that your privacy is important to you, and it is equally important to us. We take the protection of your privacy seriously. We are committed to respecting your privacy and protecting your Personally Identifiable Information (PII), which means any information that can: • Be used to identify the person concerned (PII). • Be directly or indirectly linked to a person’s identity (PII). We may process your PII as a controller or processor. We will process your PII in accordance with this Privacy Notice, unless such processing conflicts with applicable law, in which case applicable law shall prevail. By providing your PII to Yaqeen, you acknowledge the following: • You have read and understood this Privacy Notice and agree to the use of your PII as described herein. • Your personal information may be transferred and processed by business units, operations, and systems within the Kingdom of Saudi Arabia (KSA) for the purposes and in the manner outlined in this policy. • We strive to deliver the best service based on the information you provide. However, if you cannot provide complete and accurate data, we may not be able to meet your needs. • Providing inaccurate information may disqualify you from benefiting from our products and services. **What personal information do we collect from you?** We collect personal information based on your relationship with us or activities you perform when visiting our website—for example when applying for job openings or requesting services or products we collect your personal information. We may ask you to provide specific data about yourself when participating in certain activities such as for employment purposes or obtaining services or products. While providing this data is optional, it may be necessary to participate in certain site activities or to maintain your relationship with us. The personal information we collect may vary depending on the products or services requested from us and may include, but is not limited to: • Personal details such as your first name, last name, email address, mobile number, country, and city. • Professional contact information such as company name or employer. • Contractual data necessary for the performance of our contractual obligations. • Technical information about your device for security purposes such as IP address or operating system. We may use a third-party service provider to support certain features on our website. These providers may receive your personal information on our behalf and are not permitted to use it for any purpose other than that specified in the contractual agreement with them. A special category of personal data includes subcategories such as race, health information, trade union membership, philosophical beliefs, genetic data, etc. Yaqeen does not seek to collect such data and will only do so if required by applicable law. **How do we collect personal information from you?** We collect personal information (whether electronically or in paper form) through this website or by other means such as surveys, marketing events, recruitment campaigns, as part of contracts, or when you contact us regarding our products and services. **How do we use your personal information?** We collect and use your personal information for HR, business management, contractual matters, and legal/business interests when necessary. This may include the following purposes: • You may have the right to request a copy of the personal information Yaqeen has collected about you and to correct any errors. • You may have the right to modify/withdraw your consent by contacting Yaqeen. • You may request a copy of the personal information being processed by Yaqeen. • You may also request Yaqeen to stop processing your personal information, e.g., if you opt out of recruitment programs or products/services. However, please note that we may need to retain some personal information if required or permitted under applicable law. • You may also have the right to object to the processing of your personal information collected by Yaqeen. For inquiries, you can contact our Data Protection Officer via: dpr@yub.com.sa • Responding to your requests or contacting you by mail, email, or phone. • Sending alerts about new features or service improvements. • Communicating with you about job opportunities you have inquired about. • Identifying and assessing job candidates for current or future roles. • Ensuring our website and services operate effectively for you. We may use your personal information to send marketing or event-related communications via multiple channels, such as email, phone, text messages, direct mail, or online. If we send you a marketing email, it will include instructions on how to unsubscribe from receiving such messages in the future. Please note that even if you unsubscribe from marketing communications, we may still send you essential information about services you have requested. We may be required to use and retain personal information for legal and compliance reasons, such as crime or fraud detection and prevention, audits, or IT security. We may also use personal information to meet internal and external auditing requirements or for information security purposes, or any other use we deem necessary or appropriate. We are committed to collecting only such personal information that is necessary to provide services to you or to respond to your inquiries. You are responsible for ensuring the accuracy, completeness, and currency of the data you provide. We will take reasonable steps to ensure that the information we collect and use is relevant to its intended purpose. **When do we share personal information (PII)?** We share or disclose PII as necessary to deliver services or manage our business. Within Yaqeen: our business involves employees, affiliates, and teams; your personal information may be shared with them if needed to deliver services, manage accounts, marketing and sales, customer support, technology, product and business development, for example. All our employees and partners are bound by our information security policies and sign non‑disclosure agreements when handling PII. **Business partners:** We sometimes collaborate with other organizations to deliver joint services or host events, conferences, and seminars. As part of those arrangements, you may be a client of both Yaqeen and our partners, and we may collect and share PII related to you. We will handle PII according to this privacy notice. **External service providers:** We work with service providers and receive support from them. PII is shared with those third parties only when necessary to perform services such as IT support, marketing or surveys, cloud hosting, advertising, or product/service delivery. They are not allowed to use or share PII for any purposes other than providing services to us. **External parties for legal reasons:** We may share PII when we believe it is required, such as: • To comply with legal obligations or respond to requests from governmental agencies, including law enforcement and authorities, which may be located outside your country of residence. • In the event of a merger, sale, restructuring, acquisition, joint venture, transfer, or any other disposition of any part of our business, assets, or shares (including in bankruptcy or similar proceedings). **Where do we store and process PII?** Your PII may be stored and processed on legally authorized servers. We take steps to ensure the processing of PII we collect is in accordance with this notice and applicable law, wherever the data resides. Yaqeen operates networks, databases, servers, systems, IT support, and help desks across our offices. We also collaborate with third parties for cloud hosting, vendors, and tech support worldwide to serve our business needs. We take appropriate steps to ensure PII is processed, secured, and transferred lawfully, ensuring confidentiality, availability, and integrity. **How do we secure PII?** We take data security seriously and use appropriate organizational and technical measures to protect PII. Our security policies and procedures align with recognized international standards and are regularly reviewed and updated as needed to meet business needs and changing technology and regulatory requirements. **How long do we retain PII?** We retain PII as long as necessary for legal or business purposes. When determining retention periods, Yaqeen considers local laws, contractual obligations, and customer expectations and requirements. When PII is no longer needed, we securely delete or destroy it. **Your choice to unsubscribe** If you wish to unsubscribe from this website or any other services (for example: surveys or promotional notifications) at any time, you may email: dpr@yub.com.sa **Commitments to Data Subjects (PII)** We take reasonable steps designed to maintain the accuracy, completeness, and currency of your PII for the purposes it was collected and used for. Yaqeen also implements measures to ensure PII processing complies with this notice and applicable laws/regulations. • You may have the right to request access to the PII we have collected about you for the purpose of reviewing, correcting, or requesting deletion. *Note:* The above commitments are general and may be exercised only where permitted by applicable law. If you wish to request access to, review, or correct the PII Yaqeen has collected about you, or to discuss how your PII is processed, please contact us via email: dpr@yub.com.sa To protect privacy, we take reasonable steps to verify your identity before granting access to your PII. We will make reasonable efforts to respond promptly and comply with your request as required by applicable law. Depending on the circumstances and the request, we may not be able to provide full access or comply with your request—for example, when it may disclose another person’s identity. Yaqeen reserves the right to charge a reasonable fee or refuse requests that it deems unfounded, excessive, or unreasonable under applicable law. **Contact** If you have any questions or inquiries regarding this notice, please contact us via email: dpr@yub.com.sa Yaqeen reserves the right to amend this notice. Changes will be posted on this page. Please check this page regularly for updates.