Welcome to Beyond Insurance Brokerage. We are committed to protecting your privacy and ensuring the security of your personal and sensitive data.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, Beyond Insurance Brokerage, use our proprietary digital platforms (including the Beyond Plus App and Beyond Manager App), or engage with our insurance brokerage services.

Please read this Privacy Policy carefully. By accessing our platforms or utilizing our services, you consent to the data practices described in this document.

1. Information We Collect

To provide you with tailored insurance solutions and seamless digital healthcare services, we must collect certain personal data. The types of information we collect include:

• Personal Identifiers: Name, date of birth, gender, marital status, National ID number, passport details, and photographs.
• Contact Information: Email address, physical address, and mobile phone number.
• Employment Information: Job title, employer name, salary details, and employee ID (primarily for corporate group policies, Key Man insurance, and pension plans).
• Sensitive Health & Medical Data: Medical history, current health conditions, diagnostic reports, laboratory test results, and prescription details (specifically necessary for processing medical insurance applications, claims, home lab visits, and medicine delivery services).
• Financial Data: Bank account details required for processing claim reimbursements.
• Technical & Usage Data: IP address, device type, operating system, app usage data, and location data (GPS data is used solely to locate nearby medical providers or facilitate delivery services via our apps).

2. How We Collect Your Information

We collect information through the following channels:

• Directly from You: When you fill out an application, submit a claim via the Beyond Plus App, upload a prescription, request a quote, or contact our customer support.
• From Your Employer (HR): If you are covered under a corporate group policy, your HR department provides us with your necessary enrollment details via the Beyond Manager App.
• From Third Parties: We may receive information from insurance companies, healthcare providers (hospitals, clinics, labs, pharmacies), or Third-Party Administrators (TPAs) when managing your claims or coordinating your care.
• Automatically: Via cookies and tracking technologies when you browse our website. (Please refer to our Cookies Policy for more details.

3. How We Use Your Information

Beyond IB acts as your advocate. We use your data exclusively to facilitate and improve your insurance experience. Your information is used to:

• Procure, negotiate, and manage insurance policies on your behalf (or your employer’s behalf).
• Process and track insurance claims, approvals, and financial reimbursements.
• Operate the features of the Beyond Plus App, including coordinating medicine delivery and dispatching nurses for home lab tests.
• Provide HR departments with aggregated, anonymized analytics (Loss Ratio reports) via the Beyond Manager App to help them manage corporate benefits efficiently. (Note: We do not share your specific, sensitive medical diagnoses with your employer without your explicit consent.
• Communicate with you regarding policy renewals, claim statuses, and customer service inquiries.
• Comply with legal obligations mandated by the Financial Regulatory Authority (FRA) and other Egyptian regulatory bodies.

4. How We Share and Disclose Your Information

We do not sell, rent, or trade your personal data to third parties for marketing purposes. We only share your information with trusted entities strictly to fulfill our services:

• Insurance Companies: To obtain quotes, issue policies, and process claims (e.g., AXA, Allianz, Bupa, MetLife, GIG, etc.).
• Healthcare & Service Providers: To fulfill app requests, we share necessary details with our network of accredited pharmacies, laboratories, and courier partners.
• Your Employer: For corporate policies, we share enrollment statuses and general utilization metrics.
• Legal and Regulatory Authorities: If required by law, court order, or regulatory mandate, we may disclose your information to governmental authorities.

5. Data Security Measures

We understand the highly sensitive nature of medical and financial records. Beyond IB employs enterprise-grade administrative, technical, and physical security measures to protect your data. This includes:

• Encryption: Data transmitted between our apps/website and our servers is encrypted using SSL/TLS protocols.
• Access Controls: Strict Role-Based Access Control (RBAC) ensures that only authorized personnel have access to sensitive medical data.
• Secure Storage: Data is stored on secure, industry-compliant servers with continuous monitoring against cyber threats.

6. Data Retention

We will retain your personal data only for as long as is necessary for the purposes set out in this Privacy Policy, to maintain your active policies, or as required by Egyptian law and FRA regulations (which may mandate keeping financial and insurance records for a specified number of years after a policy expires).

7. Your Privacy Rights

Under the Egyptian Personal Data Protection Law, you possess specific rights regarding your personal information:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Correction: You can request that we correct any inaccurate or incomplete information.
• Right to Deletion: You can request the erasure of your data, provided it does not conflict with our legal or regulatory obligations to retain insurance records.
• Right to Withdraw Consent: Where processing is based on consent, you may withdraw it at any time (though this may prevent us from managing your insurance policy or processing your claims).

To exercise any of these rights, please get in touch with our Data Protection Officer using the details provided below.

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