Privacy Policy

The website is operated by ClickTap Marketing, which takes your privacy very seriously and has made every endeavor to ensure that the website is secure and reliable. Information about you will not be collected unless you choose to give it to us.

How we use your information
This privacy policy tells you what to expect when ClickTap Marketing collects personal information. It applies to information we collect about:

We may collect and process the following data about you;

Information that you provide by filing in forms on our site Fr.Top-Expat-Insurance.com

If you contact us, we may keep a copy of that correspondence.
When using the website, you are required to provide relevant personal and financial information. ClickTap Marketing may also record products and services you are interested in as well as monitor site traffic patterns and use. Personal and financial information may be passed on to relevant Equity Release advisor where clearly stated on the website.

If you do not want ClickTap Marketing to collect/process personal or financial information, please do not submit it. If you believe any personal or financial information to be incorrect, contact ClickTap Marketing and the information shall be immediately corrected or removed from the database should you request it.

If you are aged sixteen [16] or under, please get your parent/guardian's permission beforehand whenever you provide personal information to the Websites. Users without this consent are not allowed to provide us with personal information. If we become aware that you are under sixteen [16] and are attempting to or have submitted personal information via the websites without your parent/guardian's permission, we will not accept such information and we will take steps to remove such information from our records. This may involve us having to access and verify your age and other relevant details.

You undertake that all information provided by you is accurate.
To process your information, when using the website, you are required to supply relevant personal information. This may include details such as your name, age, email address, postal address, telephone number, date of birth, home value, outstanding mortgage balance and any other relevant information.

ClickTap Marketing will send your data, some of which may be sensitive, in confidence for processing by other companies and intermediaries.

The personal information that we collect from you will be collected, processed and maintained within the European Economic Area (EEA). By submitting your personal data, you agree to this transfer, storing or processing. We follow strict security procedures in storage and disclosure of personal information which you have provided us via this website. We shall take all reasonable steps to ensure your personal details remain secure.

ClickTap Marketing may also record products and services you are interested in as well as monitor site traffic patterns and use. Personal and financial information may be passed on to relevant third parties where clearly stated on the website

We or third parties acting on our behalf may use your personal information in the following ways:

• to provide you with information about goods and services which may be of interest to you and we or they may contact you directly about these by email and/or telephone, where you have consented to be contacted for such purposes
• that we think might be of interest to you so that they can also provide you with information about the goods or services that they provide, where you have consented to be contacted for such purposes to ensure that content from our site is presented in the most effective manner for you and for your computer
• Alliance Group or other relevant service providers will be contacting you, via email, SMS and/or telephone to discuss your enquiry for Medical Insurance
• where it is necessary to comply with any applicable laws or to protect ourselves or our users (including exchanging information with other companies for the purposes of fraud protection), or
• in the event that we sell our business, in which case we may disclose your personal data to the prospective buyer of our business
• that we think might be of interest to you so that they can also provide you with information about the goods or services that they provide, where you have consented to be contacted for such purposes.

Visitors to our websites
When someone visits Fr.Top-Expat-Insurance.com we use a third-party service, Google Analytics, to collect standard internet log information and details of visitor behavior patterns. We do this to find out things such as the number of visitors to the various parts of the site. This information is only processed in a way which does not identify anyone. We do not make, and do not allow Google to make, any attempt to find out the identities of those visiting our website. If we do want to collect personally identifiable information through our website, we will be up front about this. We will make it clear when we collect personal information and will explain what we intend to do with it. If you would like more information about this practice and to know your choices about not having this information used by Google, please check privacy policy page on Google.

Use of cookies by ClickTap Marketing
The website uses cookies to help ClickTap Marketing monitor how the website is used and help make it more useful to users. Cookies are a means by which information relating to your Internet usage is recorded on a hard drive and used by us to improve the website and the services/products available to you.

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

These cookies are used to collect information about how visitors use our website. We use the information to compile reports and to help us improve the website. The cookies collect information in an anonymous form, including the number of visitors to the website and blog, where visitors have come to the website from and the pages they visited. If you prefer ClickTap Marketing not to use cookies when you visit the website, you are able to adjust your computer settings so that it does not accept cookies. If you experience difficulties when doing this, your computer help file should provide you with a step-by-step guide.

Security and performance
ClickTap Marketing uses a third party service to help maintain the security and performance of the Fr.Top-Expat-Insurance.com To deliver this service it processes the IP addresses of visitors to our website(s).

ClickTap Marketing has made every endeavor to ensure that the website is secure and reliable. All of the relevant and appropriate safeguards and security measures have been established to protect information.

ClickTap Marketing is not liable or responsible for the security of personal information transmitted via the website.

People who contact us via social media
If you send us a private or direct message via social media the message will be stored by social media providers. Please check the Terms and Conditions and Privacy Policy on the social media platforms. It will not be shared with any other organizations.

People who email us
Any email sent to us, including any attachments, may be monitored and used by us for reasons of security and for monitoring compliance with office policy. Email monitoring or blocking software may also be used. Please be aware that you have a responsibility to ensure that any email you send to us is within the bounds of the law.

People who make a complaint to us
When we receive a complaint from a person, we make up a file containing the details of the complaint. This normally contains the identity of the complainant and any other individuals involved in the complaint.

We will only use the personal information we collect to process the complaint and to check on the level of service we provide.

We usually must disclose the complainant’s identity to whoever the complaint is about. This is inevitable where, for example, the accuracy of a person’s record is in dispute.

We usually must disclose details of the complaint to our professional Indemnity Insurance Broker and Insurer.

We may be required to provide a copy of our file to the Financial Ombudsman Service should an adjudicator be required to consider the complaint case.

We are required to disclose to the regulatory authorities, to whom we have been authorized by, the regulator information is already on our website, high level analytics concerning the number and nature of complaints received. This data does not include names or details that identify the specific data subject.

We will keep personal information contained in complaint files in line with our retention policy. This means that information relating to a complaint will be retained for 6 years from closure. It will be retained in a secure environment and access to it will be restricted according to the ‘need to know’ principle.

People who use our services
ClickTap Marketing provides a range of services to Data Subjects. We process data provided by the data subject and other sources in order to deliver the appropriate products and services to Data Subjects.

Your Data Protection Rights under the General Data Protection Regulation (GDPR)
You right under GDPR are as follows:

The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.

The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.

The right to object. You have the right to object to our processing of your Personal Data.

The right of restriction. You have the right to request that we restrict the processing of your personal information.

The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.

The right to withdraw consent. You also have the right to withdraw your consent at any time ClickTap Marketing where relied on your consent to process your personal information.

If you wish to be informed about what Personal Data, we hold about you and if you want it to be removed from our systems, or if you would like to exercise any other one, or more, of your rights mentioned above, please contact us. Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

How to contact us
Data Protection Officer: J Stephen
Landline:+44 020 332 29 779
complaints@clicktapmarketing.com

Confirmation of whether, and where, the controller is processing their personal data
ClickTap Marketing is the Data Controller. ClickTap Marketing undertakes data processing within the EEA.

Right of Data subjects to erasure (Right to be forgotten)
Data Subjects may notify ClickTap Marketing if they wish to exercise their right to erasure. Such a withdrawal of Consent does not affect the lawfulness of processing based on consent prior to the withdrawal. Data Subjects that exercise this right will be removed from any marketing or future contact.

ClickTap Marketing may retain a copy of any personal data may be retained by the Controller if the processing is necessary for the establishment, exercise or defense of legal claims.

Right of rectification
ClickTap Marketing will seek to ensure that inaccurate or incomplete data will be rectified. Data Subjects have the right of rectification

Right to object to processing for the purposes of Direct Marketing

Data Subjects may notify the ClickTap Marketing if they wish to exercise their right to be removed from any Direct Marketing activities. ClickTap Marketing may still contact the Data Subject in order to fulfil any contractual obligations concerning the policies and services provided.

Disclosure of personal information
In many circumstances we will not disclose personal data without consent. However, when we investigate a complaint, for example, we will need to share personal information with the organization concerned and with other relevant bodies.

Changes to this privacy notice
We keep our privacy notice under regular review. This privacy notice was last updated on 28th February 2019.

How to contact us
If you do not agree with this privacy policy, then you should not enter any of your personal information on our website. If you want to request more information about our Privacy Policy, please feel free to contact us by emailing us or writing to:

Suite No 407 412 Clover Bay Tower Area,
Business Bay,
PO Box. 392322,
Dubai, UAE

complaints@clicktapmarketing.com