1. Introduction

This Privacy Policy covers the ways in which "Mega Insurance" OJSC (hereinafter referred to as the "Company") collects, processes, and uses your personal data, the entities with whom such data may be shared, the fundamental principles for the protection of such data, and your customer rights when using our website and the products or services we offer. The Company operates in compliance with applicable laws, fully ensuring the confidentiality and security of its customers' and partners' information.

2. Definitions 

Personal data — any information that directly or indirectly enables the identification of an individual; 

Personal data subject (hereinafter referred to as the subject) — an individual whose personal data is collected, processed, and protected, and whose identity is known or can be determined.

Personal data information system — an information system that ensures the collection, processing, and protection of personal data in accordance with the procedures established by law; 

Collection of personal data — the lawful acquisition of personal data about the subject in a documented manner; 

Processing of personal data — operations performed on personal data (recording, systematization, updating, modification, extraction, anonymization, storage, transfer, destruction of personal data); 

CIB — Compulsory Insurance Bureau.

3. Collected Data

The Company may collect the following types of information:

Personal data: Full name, date of birth, gender, phone number, email address, residential address, ID card details, and other contact information.

Financial data: Bank account details, credit card information, income, and financial status.

Insurance data: Type of insurance, insurance policy, risks, insurance claims, previous insurance history, and other relevant information.

Technical data: IP addresses that collected when you visit our website, browser types, access and exit timestamps, and other analytical data.

4. Sources of Collected Personal Data

From the Website – Accessing and using the services offered by “Mega Insurance” OJSC on the website may result in the collection of data such as your login date and time, browser type, unique IP address, and other related information.

From Branches and Third Parties – We may obtain information about you from sources such as Asan Finans, ISB, banks, medical institutions, relevant government authorities, and other entities.

From the Customer – Information you provide when registering on our website to access products offered on the platform and certain services.

5. Purpose of Data Collection, Processing, and Use

The collected data will be used for the following purposes:

Provision of Insurance Services: Offering a wide range of insurance products and services tailored to the needs of individual and corporate clients, ensuring the fulfillment of existing contracts.

Provision of Customer Support: Facilitating communication with customer service, responding to inquiries, and resolving problematic issues.

Information Sharing: Periodically informing customers about new products, services, promotions, and updates via email or other communication channels.

Research and Analysis: Studying customer needs and market conditions, processing transactions when required using user IDs and passwords, conducting analyses and statistical evaluations to improve services and align them with market demands.

Compliance with Legal Requirements: Processing data to resolve legal disputes, conduct audits, and fulfill regulatory obligations.

Enhancement: Utilizing artificial intelligence and other technologies to develop better products, improve our services, and enhance our website.

6. Data Protection 

The Company takes the following measures to ensure the security of customer data: 

Physical security: Implementing physical security measures at locations where data is stored. 

Technical security: Encryption of data, use of security systems and security software, and ensuring network protection.

Organizational security: Ensuring that only authorized personnel have access to data, implementing relevant procedures to protect customer information, and conducting regular training sessions.

7. Data Sharing

As "Mega Insurance" OJSC, we may share your personal data with the following third parties for the purposes outlined above and in compliance with applicable laws:

Government authorities, companies providing technical support, insurance agents, other insurers, co-insurers, re-insurers, brokers, and banks;

Technical consultants, experts, lawyers, specialists, and companies providing services to carry out operations (IT, postal services), and others;

Relevant regulatory authorities if you file a complaint regarding the product or service we provided, or to fulfill any legal obligations;

Medical institutions for the purpose of providing health-related insurance services.

We do not transfer your personal data to third parties for marketing purposes without your consent.

8. Customer Rights

As "Mega Insurance" OJSC, we make every effort to ensure that the data we collect, use, and disclose about our customers is accurate, complete, and up to date. However, if there are any changes to the customer's information, or if the information is inaccurate or incomplete, customers may contact us to request corrections or deletions of their data. Additionally, customers have the right, in accordance with the "Personal Data" Law of the Republic of Azerbaijan, to submit their objections to the collection and processing of their data, either in writing or online.

9. Protection of Personal Data

Your personal data is protected and archived from the moment it is collected, in accordance with the procedures established by the legislation of the Republic of Azerbaijan.

10. Scope of the Policy

While using our website, you may be provided with links to other websites not managed by us. Please note that we have no control over the content and policies of these sites and, therefore, assume no responsibility for them. For this reason, we recommend reviewing the privacy policies of those websites when you visit them.

11. Final Provisions

As "Mega Insurance" OJSC, we may update our privacy policy to reflect current best practices. The use of our website after any changes to this policy will be considered as acceptance of our practices regarding privacy and personal data. We will make every effort to ensure that the information displayed on the website is regularly updated.

Contact Us

If you have any questions regarding this privacy policy, feel free to contact us.