Privacy Policy

1 Introduction

National General Insurance LLC ("we", "our", "us") operates as a licensed insurance intermediary. This Privacy Policy describes how we collect, use, disclose, and protect personal information when you use our website (nationalgeneralinsurance.online), request a quote, purchase a policy, or interact with our services.

By using our services, you consent to the collection and use of your information as described in this policy. This policy is incorporated by reference into our Terms & Conditions.

2 Information We Collect

2.1 Information You Provide Directly

Category	Examples	Purpose
Identity Data	Name, date of birth, gender, national ID number	Policy applications, identity verification
Contact Data	Email address, phone number, postal address	Communication, quote delivery, policy documents
Financial Data	Payment card details, bank account information	Premium collection, refunds
Health Data	Medical history, pre-existing conditions (for health/life insurance)	Underwriting, risk assessment
Property Data	Vehicle details, home address, property value	Auto/home insurance underwriting
Claims Data	Incident details, police reports, medical records	Claims processing and settlement

2.2 Information Collected Automatically

When you visit our website, we automatically collect:

• IP address and approximate geographic location;
• Browser type, version, and operating system;
• Pages visited, time spent, and referring URLs;
• Device identifiers and screen resolution;
• Cookie and tracking technology data (see Section 6).

3 How We Use Your Information

We use your personal information for the following purposes:

• Policy administration — processing applications, issuing policies, and managing renewals;
• Claims management — investigating, processing, and settling claims;
• Customer service — responding to enquiries, complaints, and support requests;
• Risk assessment — underwriting evaluation and premium calculation;
• Legal compliance — fulfilling regulatory and legal obligations;
• Fraud prevention — detecting, investigating, and preventing fraudulent activity;
• Marketing — sending relevant insurance offers and updates (with your consent);
• Website improvement — analysing usage patterns to enhance user experience.

4 Legal Basis for Processing

We process your personal data on the following legal bases:

• Contract performance — processing necessary to fulfil our insurance intermediary obligations;
• Legal obligation — complying with applicable insurance regulations, anti-money laundering laws, and tax requirements;
• Legitimate interests — fraud prevention, security, and improving our services;
• Consent — for marketing communications and non-essential cookies.

5 Information Sharing & Disclosure

We do not sell your personal information. We may share your data with:

• Insurance underwriters — to evaluate and administer your policy;
• Reinsurers — for risk management purposes;
• Claims investigators & loss adjusters — to process and settle claims;
• Payment processors — to collect premiums securely;
• IT & service providers — who support our website and business operations under strict data processing agreements;
• Regulatory bodies — when required by law (e.g., state insurance departments, law enforcement);
• Legal advisors — in connection with legal proceedings or advice.

All third parties we share data with are required to maintain appropriate security measures and may only use your data for specified purposes.

6 Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies. We use the following types:

• Essential cookies — required for website functionality (login sessions, security);
• Analytical cookies — to understand how visitors use our site (e.g., Google Analytics);
• Functional cookies — to remember your preferences;
• Marketing cookies — to deliver relevant advertisements (only with your consent).

You can manage cookie preferences through your browser settings or our cookie consent tool. Disabling certain cookies may affect website functionality.

7 Data Retention

We retain your personal information for as long as necessary to:

• Fulfil the purposes described in this policy;
• Comply with legal and regulatory requirements (typically 7–10 years for insurance records);
• Resolve disputes and enforce agreements.

After the retention period expires, your data is securely deleted or anonymised.

8 Data Security

We implement industry-standard security measures to protect your personal information, including:

• SSL/TLS encryption for all data transmissions;
• Access controls and role-based permissions for staff;
• Regular security audits and penetration testing;
• Encrypted storage of sensitive data (financial and health information);
• Employee data protection training.

9 Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

To exercise any of these rights, please contact us at privacy@nationalgeneralinsurance.online. We will respond within 30 days. We may require identity verification before processing your request.

10 Children's Privacy

Our services are not directed at individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected data from a child, we will delete it promptly. Please contact us if you believe we have collected information from a minor.

11 Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

12 International Data Transfers

If we transfer your personal data outside the United States, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses approved by regulatory authorities. We only transfer data to countries that provide adequate levels of protection or where specific safeguards apply.

13 Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page indicates when the policy was most recently revised. We will notify you of significant changes by posting a notice on our website or by email. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

14 Contact Us & Complaints

For privacy-related enquiries, requests, or complaints, please contact our Data Protection Officer:

If you are not satisfied with our response, you have the right to lodge a complaint with your state's insurance regulatory authority or applicable data protection authority.