We value you as a customer and respect your right to privacy. We know that you purchase our products and services because you trust that we stand behind our promises. We pledge our commitment to treat your information responsibly, and we created this privacy policy to show you that we are working hard to protect your privacy.
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:
INTERNET POLICIES
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.
Visitor data
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.
E-mails
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.
Web links
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.
Please read the privacy policy of Web sites reached through the use of links from Medgulf Web sites.
Why Medgulf collects information on its Web sites
Medgulf or our business partners use the information from our web sites for many purposes:
Questions
We value our customers and want you to understand how we use the information we collect. Please contact us if you have any questions about our privacy policy. We will provide you a copy of your personal information that we control and can reasonably retrieve. To access your information, you must provide the following:
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
Medgulf
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
PLEASE CAREFULLY READ THE TERMS AND CONDITIONS BELOW. BY ACCESSING THIS WEBSITE YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OR USE THIS WEBSITE.
Terms of Use
By accessing, viewing, using, or downloading materials from this Website you indicate that you have read and understand these Terms and Conditions of Use and further agree to accept all terms and conditions contained herein without limitation or qualification and to be legally bound by them. These Terms and Conditions of Use are applicable to your use of this Website regardless of how you accessed it. IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY EACH TERM SPECIFIED HEREIN, YOU MUST DISCONTINUE USING AND EXIT THIS WEBSITE IMMEDIATELY. Medgulf Insurance Company (“Medgulf”) reserves the right, in its sole discretion, to modify or change these Terms and Conditions of Use at any time without prior notice to you. Your continued use of this Website following the posting of any changes constitutes your acceptance of the then current Terms and Conditions of Use. If at any time, you choose not to accept these Terms and Conditions of Use, you are not authorized to use this Website.
Portions of this Website may be restricted and require authorization for access. Any unauthorized use or access to these areas, including but not limited to unauthorized entry in Medgulf's systems, misuse of passwords, or misuse of any posted information is strictly prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user or do not consent to continued monitoring, you should not attempt to access restricted areas.
You may not use this Website to engage in any illegal activity or conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this Website will be truthful and accurate.
Trademarks and Copyrights
All materials contained in this Website, including but not limited to names, phrases, logos, icons, graphics, images or designs, software, audio or visual materials, are trade names, registered or unregistered trademarks or service marks (collectively referred to as “Trademarks”) and are the property of or used with permission by Medgulf and are protected by copyright and intellectual property laws. Nothing contained in this Website should be construed as granting, by implication, estoppels, or otherwise, any license or right to use, copy, redistribute, reproduce, republish, upload or download, any Trademark or other information found on this Website without prior written permission of Medgulf. You are not authorized to use any portion of this Website on any other website, in the meta-tags of any other website, or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any content of this Website.
The use of Trademarks by you, or anyone else authorized by you, except as provided herein, is strictly prohibited. You may print out a single copy of the pages on this Website for your personal, non-commercial use provided that all copyright, trademark or other notices are retained and are not modified or revised in any manner. ALL OTHER USES ARE PROHIBITED. Any unauthorized use may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Ownership of Information
All information, other than personal data or information (including email addresses), submitted to Medgulf via this Website, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and shall be deemed and remain the property of Medgulf. Medgulf shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in such information. Medgulf shall not be subject to any obligations of confidentiality regarding submitted information except as expressly agreed by Medgulf or as required by law. Application information submitted to Medgulf shall be treated confidentially to the extent required by applicable law or as otherwise disclosed in the application or Medgulf's Privacy Policy.
Software Licenses
Permission to use any software contained within this Website is granted only if you have registered to use the Website. If you are permitted to use the Website and software, Medgulf grants you a non-exclusive, non-transferable, temporary license to use the software. The software will remain the sole and exclusive property of Medgulf or its third party vendor. If at anytime, Medgulf’s authorization to use any software expires or terminates, your license to use the software is immediately and automatically revoked without any further action or notice to you. Under no circumstances other than for backup or archival purposes may you copy the software or any portion thereof without prior written consent. You are not authorized to download, copy, reverse engineer, decompile, or use any software or technical data from this Website in any manner other than as expressly authorized. You further acknowledge that any software which may be available or provided to you on this Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations.
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.
USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK AND ALL INFORMATION, SERVICES, MATERIALS, AND OTHER ITEMS ON THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, MEDGULF, INCLUDING WITHOUT LIMITATION, ITS AFFILIATES, AGENTS, EMPLOYEES, AND THIRD PARTY CONTENT PROVIDERS, DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND TITLE. MEDGULF DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEBSITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE WEBSITE OR ANY MATERIALS WILL OPERATE IN AN ERROR FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE WEBSITE OR MATERIALS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SOFTWARE IS COMPATIBLE WITH ANY PARTICULAR PLATFORM. MEDGULF DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR RESULTS OF THE USE OF MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
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.
Indemnification
You agree to indemnify, defend, and hold harmless Medgulf, its affiliates, agents, directors, officers, and employees from and against any and all claims, losses, costs and expenses, including reasonable attorney fees and costs, arising out of or related in any way to your use of the Website, any breach by you of these Terms and Conditions of Use, your negligent or intentional acts, errors or omissions in regard to the subject matter herein, or violation of any law or regulation, or any proprietary or privacy right.
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.
Other Agreements
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.