Privacy Policy

This Privacy Policy describes how Dhuka Insurance (“we,” “us,” or “our”) collects, uses, and discloses personal information when you use our website, mobile applications, or services.

1. Scope

This policy applies to information collected through:

• our website at https://www.dhukainsurance.com
• our online quote forms and customer portals
• email, phone, and other communications related to our services

2. Information we collect

A. Information you provide directly

• Contact information: name, email address, phone number, postal address.
• Quote information: vehicle data, property details, business details, health/age info for life insurance (as applicable and only when you submit it).
• Payment and billing information: payment card information (if you provide it), bank details (if used for premium payment).
• Correspondence: messages, notes, and documents you upload or provide.

B. Information collected automatically

• Usage data: IP address, device type, browser type, pages visited, timestamps, referrer URL.
• Cookies and similar technologies that help us remember preferences and improve site experience.

C. Third-party sources

We may receive information from third parties, such as credit bureaus, public records, or business partners, to verify identity or assist with quotes.

3. How we use your information

• Provide and administer insurance quotes and policies.
• Communicate with you about quotes, policy servicing, payments, and claims.
• Improve our services, website, and customer experience.
• Detect and prevent fraud and unlawful activities.
• Comply with legal and regulatory obligations.

4. Legal basis for processing (where applicable)

For users in the EEA, we process personal data based on consent, performance of a contract, compliance with legal obligations, or our legitimate interests (e.g., fraud prevention, service improvement).

5. Sharing & disclosure

We may share personal information with service providers, insurance carriers and brokers, as required by law, or during business transfers. We will notify affected individuals where required.

6. Cookies & tracking

We use cookies and similar technologies for functional needs, analytics, and marketing. You can control cookie settings via your browser or our consent tool (if available).

7. Data retention

We retain personal information as long as necessary for the purposes outlined in this policy and to comply with legal obligations. Our standard retention period for quote leads is [2 years], unless otherwise required by law.

8. Your rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict processing of your data. Contact privacy@dhukainsurance.com to exercise your rights.

9. Security

We use administrative, technical, and physical safeguards designed to protect personal information. Report suspected breaches to security@dhukainsurance.com.

10. Children

Our services are not directed to children under 16, and we do not knowingly collect their information.

11. International transfers

Your information may be transferred to and processed in countries outside your own. We use appropriate safeguards where required.

12. Updates to this policy

We may update this Privacy Policy from time to time. We will post the revised policy with a new “Last updated” date.

13. Contact

• Email: privacy@dhukainsurance.com
• Phone: [PHONE_NUMBER]
• Mail: [Company Address]