Confidentiality and security
We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. Third-party business partners are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way. We comply with all data security laws.
Collecting your personal information
We collect personal information about you from different sources. For example, we collect information you send us on applications and forms. We also collect information from your transactions with our sister companies, others, or us. We may collect information from a consumer-reporting agency, demographic firm, or medical provider. This collection depends on the product or service you request.
Sharing your personal information
We do not sell your information to anyone. We may share this information with a business that carries out services and marketing for us. We may share your information as required or permitted by law. We may share your information for a legal or regulatory purpose or to combat fraud. This sharing depends on the products you select. These include the following types of information.
Information sharing and opt out
We do not sell your personal information to anyone for any reason. We do not share it, except to service your product. These reasons are described in more detail above and are permitted by federal and state law. Therefore, there is no need for you to opt out. If we change our sharing policy, we will tell you and give you a chance to opt out before we share your information.
Please note: If you also purchased a different financial or insurance product, we may share your information for marketing purposes. If so, you will receive another privacy statement with instructions about how to opt out of information sharing.
Using your medical information
Sometimes, we must collect medical information to provide you a product or to pay a claim. We do not use or share your medical information for any marketing purpose unless we receive your permission. We use medical information when:
Information collected from Web sites
Medgulf may collect the information you provide when you:
Medgulf contracts with certain unaffiliated business partners who help us deliver online products and services. They may keep the information you provide. Other online activities are listed below.
Medgulf collects site aggregate and customer-specific information about the pages you view on our site. We log IP addresses, browser and platform types, domain names, access times and referral data. We also collect information a customer volunteers on surveys and electronic forms. This information is used to improve our Web sites.
Medgulf gathers data on its Web sites. This is a standard industry practice and is used to find out how visitors use our site. We collect aggregate information on the public areas of our Web site. We also collect information on an individual basis on areas of our website that require visitors to logon using an ID and password. We may collect the following data:
Use of "cookies"
Medgulf stores a cookie on a person's computer when they visit our Web site. A cookie is a tiny piece of information that is required to create and maintain a secure session. Cookies let a person request information and do business online. The cookies do not have confidential or personal information. They do not track a user after leaving our Web site.
Other online security
Medgulf also uses a Secure Sockets Layer (SSL). This keeps all information confidential when it is sent between our Web site and the user's computer.
Medgulf keeps the e-mails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mails of specific interest to you. If you choose to send us e-mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you give us in an e-mail. As with any public Web site, this communication may not be secure.
It is important to note that other companies or organizations may have links on Medgulf Web sites. We are not responsible for the collection, use or security of information by the companies or organizations outside of the Medgulf family of companies.
Why Medgulf collects information on its Web sites
Medgulf or our business partners use the information from our web sites for many purposes:
We do not currently charge a fee to cover the cost of providing you with a copy of this information. However, we reserve the right to charge a small fee in the future. You may request that we correct your personal information in our files. Please note that we do not control information provided by third parties. So, you will need to contact the third party to correct any information from them. Sometimes we obtain your consumer or credit report. If so, you may request the credit-reporting agency’s name and address. You may ask the agency to give you a copy of your report.
Please send privacy inquiries to:
Medgulf, The Mediterranean & Gulf Insurance & Reinsurance
Attn: Compliance Manager
P.O. Box 113 6320 - Beirut, Lebanon
When you write to us, please include your name, address, and policy number, and your agent name and number, if you know it. You can contact your agent to change information that we control, such as your address. This privacy statement describes our privacy practices for both current and former customers. We will provide one copy of this notice to joint policy or contract holders. Please share this information with everyone covered by your policy or contract. If you request, we will send more copies of this statement.
Thank you for choosing Medgulf.
We look forward to building a lifetime relationship with you.
Medgulf Insurance Company
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Ownership of Information
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Links to Other Sites and Use of the Internet
This Website may contain links to other Websites for the convenience of users in locating information and services that may be of interest. If you use any linked website, you are leaving this Website. Any linked websites are entirely independent of this Website and may not be maintained by Medgulf. If you decide to visit any linked website, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. Medgulf is not responsible for the content of those websites and makes no warranties or representations about the content, accuracy of information, or quality of products or services offered on such websites. The inclusion of any linked website does not imply approval of or endorsement by Medgulf.
Use of the Internet is solely at your own risk and subject to all applicable state, national, and international laws and regulations. While Medgulf endeavors to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through the use of this Website, the confidentiality of any communication or material transmitted to or from Medgulf via this or other Websites or Internet electronic mail cannot be guaranteed, including personal information such as your address or social security number. Medgulf will not be liable for any loss resulting from a cause over which we have no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.
Disclaimer of Warranty
ALTHOUGH MEDGULF TRIES TO PROVIDE ACCURATE AND TIMELY INFORMATION, THE CONTENT OF THIS WEBSITE MAY NOT BE ACCURATE, COMPLETE, OR CURRENT AND MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU SHOULD VERIFY ALL INFORMATION BEFORE RELYING ON IT AND DECISIONS BASED ON INFORMATION CONTAINED IN THIS WEBSITE ARE YOUR SOLE RESPONSIBILITY.
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Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE BY ACT OR OMISSION, SHALL MEDGULF INSURANCE COMPANY BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE WEBSITE OR ANY MATERIALS, EVEN IF MEDGULF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT MEDGULF ASSUMES NO RESPONSIBILITY AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, BROWSING, OR DOWNLOADING OF ANY MATERIALS FROM THIS WEBSITE. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. MEDGULF SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, BUSINESS INTERRUPTION, LOST REVENUES OR LOST PROFITS, LOSS OF PROGRAMS OR OTHER DATA, OR OTHERWISE, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. IN NO EVENT SHALL THE TOTAL LIABILITY OF MEDGULF TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE WEBSITE.
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Products and Services
The products referred to on this Website are underwritten by Medgulf Insurance Company. Product information and descriptions contained on this Website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. Please refer to the actual policy for complete details of coverage. Products and their features listed may not be available in all states. Policy approval is not guaranteed and is subject to personal health history and specific underwriting guidelines. You may not be eligible for all products or services and Medgulf reserves the right to determine eligibility in accordance with its underwriting guidelines and as permitted by applicable law. Medgulf Insurance Company and its agents do not provide legal or tax advice. You may wish to consult independent legal, tax, or financial advice prior to the purchase of any policy. This Website should not be used or relied upon by you as a substitute for your independent research or professional advice.
Medgulf may discontinue or make changes to the information, products, or services described in this website at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and Medgulf does not have any obligation or responsibility to update or amend such information. Medgulf reserves the right to terminate any or all website offerings or transmissions without prior notice. By offering this website and information, products or services, via this website, no solicitation is made to any person to use the website or such information, products or services in jurisdictions where the provision of the website and such information, products or services is prohibited.
Insurance Quotes and Coverage
Online quotes may not be available in all states or for all products or coverage amounts selected. Please contact one of our insurance specialists for additional information about any of our products or benefits.
These Terms and Conditions apply to your usage of our website. These Terms and Conditions do not alter or change any terms or provisions of any contract, policy, certificate, or other agreement between you and Medgulf Insurance Company.
Consent To Electronic Transactions, Signatures and Records
By transmitting information through this Website, you consent to the use of electronic transactions and electronic signatures on this Website, and receipt of electronic versions of certain records. You agree to be bound by any statement, affirmation, consent, or agreement you make or transmit through this Website, including but not limited to any consent you give to receive records or communications from Medgulf solely through electronic transmission. You agree that we are under no obligation to confirm the identity or authority of any user of this Website. You accept the risk that the information you transmit to us and any information that we transmit to you may be intercepted by third parties. You may withdraw your consent to the use of electronic transactions, signature and records, provided however, such withdrawal shall not nullify or void any prior electronic transactions or signature for which consent was provided.