Your privacy is important to us. CB General Insurance Plc. are committed to ensure that your personal data under our care is safe and secured. The following paragraphs will provide you with a better understanding of how we collect, process, use, retain, secure, maintain accuracy and how you could access your personal data.
Your personal data can be collected by us through various channels, such as intermediaries, brokers, business partners and digital platforms including but not limited to websites, social media and e-commerce platforms.
We caution that collection of personal data through digital platform is not intended for individual below the legal age and we advise this individual not to upload their personal data through our digital platforms.
Change of Data Privacy
CB General Insurance Plc. review this Data Privacy Notice (“this Notice”) regularly and have the right to amend and update any provision of this Notice in accordance with business and legal requirements. Any updates and amendments made will be available on this website.
This Notice was last reviewed on 09/08/2023.
Collection of Personal Data
We may collect personal data about you and/or other entities/individuals connected with you to process/facilitate purchase and maintenance of insurance policy/policies or perform insurance related services in reliance on the relationship that you have with us which may include:
Generic Identification and Contact Information
Your name, address, e-mail and telephone details, gender, marital status, family status, date of birth, educational background, physical attributes, activity records such as driving records, photos, employment history, skills, and experience, claims detail(s) and sensitive information.
Financial Information and Account Information
Card number for payment purposes, bank account number and other financial details.
Identification Information
Identification card number, birth certificate number of your child, passport number, employment pass or work permit number, employees’ provident fund member number, tax identification number, military identification number, driver’s or other licensed number.
Communication and Recording
Communication in any form including via e-mails, SMS (short message service), Telegram, WhatsApp or other messages application, and recorded conversations between our representatives, call centers and you.
Management of Products and Services
We maintain certain information such as property address, vehicle license plate, travel plans, policy and claims details, information obtained for the purpose of customer due diligence and other insurance policy that you have.
Marketing, Campaigns, Promotions and Surveys
You may inform us of your marketing preference, participation in campaigns and product promotions or respond to a voluntary customer satisfaction survey. Some of these activities have additional terms and conditions, which may contain further information about how we use and disclose your personal data. Please read these terms and conditions attentively.
Social Media Information
Your social media account ID, profile picture and other personal data that you provide to us through CB General Insurance Plc. digital platforms. If you prefer to connect your social media account provided by another social media service provider to your account(s) on any of CB General Insurance Plc. digital platforms, personal data from your social media account will be shared with us, which may include personal data that is part of your social media account profile or your associates’ profiles.
Processing and Use of Personal Data
We only process personal data that is applicable and essential to your insurance needs and services, to carry out our business functions and to enhance customer service experience.
We may collect and process personal data for the following purposes:
– for the performance of contracts between CB General Insurance Plc. and you.
– for the performance of our business functions;
– to provide insurance product and services to you and administer, maintain, manage, and operate such products and/or services including insurance policy renewals;
– to provide you essential information on changes to our policies, other terms and conditions, policy renewals, CB General Insurance Plc. digital platforms, and other administrative matters;
– to process, evaluate, and decide on any applications or requests you make for insurance product and services;
– for the performance of our due diligence process to conduct background checks to validate and confirm the information provided by you;
– for matching any personal data held by CB General Insurance Plc. or our Affiliates relating to you whenever necessary for any of the purposes listed in this Notice;
– for claims processing or provision of services in relation to any insurance policy or relating to any services provided by CB General Insurance Plc.;
– to evaluate your eligibility for payment plans and process your premium and other payments;
– to personalize your experience on CB General Insurance Plc. digital platforms by giving information and advertisements catered to your needs;
– to sort out complaints and manage requests for data access, deletion, or correction;
– for compliance with all applicable laws, rules, regulations, guidelines and/or other legal or regulatory requirements, as well as requirements of the government, law enforcement agencies, and any authorities to whom we are subject to, or any orders of the Court;
– for litigating, defending, or responding accordingly to an actual or potential lawsuit or queries involving regulatory and non-regulatory bodies;
– for generally protecting our rights and property as well as ensuring the technical competence and functioning of our systems;
– to monitor and detect any fraudulent activities in the insurance industry;
– to assess any amount of liabilities to or from you and collecting or recovering any amount owing from you or any person who has provided security or as guarantor for such liabilities of yours;
– to allow an actual or proposed purchaser, assignee, transferee, participant, or sub-participant of CB General Insurance Plc. or any of CB General Insurance Plc. Affiliates’ rights or business to assess the transaction meant to be the subject of reorganization, merger, sale, joint venture, assignment transfer, participation, or sub-participation;
– for audit, compliance, analysis, and inspection purposes;
– for marketing (including direct marketing) of insurance products;
– to conduct market research, understand and analyze customer behavior, location, preferences, and demographics for us to offer you other products and services as well as carry out special offers and marketing programs which may be relevant to your preferences and profile;
– to exercise any rights CB General Insurance Plc. or any of our Affiliates may have relating to the terms and conditions of insurance products and services to you; and
any other purposes which are related to the aforesaid.
– All personal data requested by us is obligatory unless stated otherwise. If you do not provide us with such information, we may not be able to provide you with insurance coverage or to respond to any claims.
Transfer of Personal Data
Due to the global nature of CB General Insurance Plc., our associates, related companies and affiliates and business network worldwide, for the purposes set out above we may transfer personal data internationally to parties located in other countries that have a different data protection regime. The personal data may be transferred to CB General Insurance Plc. data centers, service providers, business partners, governmental or administrative authorities for us to fulfill the purposes which directly or indirectly corresponds to the purpose of collecting the personal data.
Disclosure of Personal Data
We may disclose your personal data for the abovementioned purposes to the following parties (including those within and outside Cambodia):
– any intermediaries, service providers, contractors, sub-contractors or third parties who provide services to the companies within the CB General Insurance Plc.;
– any person who has a duty of confidentiality to us such as external auditors, medical practitioners, trustees, legal practitioners, consultants, insurance companies, reinsurers and actuaries;
– government agencies, statutory bodies, and other authorities;
– our business partners and strategic alliances;
– by connecting your CB General Insurance Plc. digital platforms account and your other social media account you permit us to disclose data with the provider of your other social media account and you comprehend that the use of the data we disclose will be governed by the other service provider’s social media website’s privacy policy. If you do not wish your personal data to be disclosed with other users or with your other social media account provider, please do not link your other social media account with your CB General Insurance Plc. digital platforms account and do not take part in social sharing on CB General Insurance Plc. digital platforms;
– you may also disclose personal data on message boards, chat rooms, profile pages, and blogs, as well as other CB General Insurance Plc. digital platforms where you can upload data and contents. Kindly be informed that any information you upload or disclose via these platforms will be viewed by site visitors, users of CB General Insurance Plc. digital platforms as well as the community. We advise you to be cautious when attempting to disclose your personal data, or any other related information when utilizing CB General Insurance Plc. digital platforms;
– our assignees or potential assignees, acquirers or potential acquirers and successors-in-title;
– any other parties, in respect of whom you have consented to the disclosure of your personal data;
– CB General Insurance Plc. is responsible for the safeguard and handling of jointly used personal data. Access to personal data within CB General Insurance Plc. is confined to individuals who have a need to obtain the information for our business purposes.
Access, Change and Delete requests
We take all reasonable steps to ensure that the personal data provided by you, or your authorized party is accurate, complete, not misleading and kept up-to-date consistent with the purpose for which the personal data was collected and further processed.
Under applicable laws and regulations, you may have the right to:
– access to or amend or correct your personal data that is inaccurate, incomplete, misleading, or not up to date;
– request deletion of your personal data under certain grounds;
– withdraw your consent or request a change to your scope of consent;
– make a complaint about CB General Insurance Plc. on data handling;
Please note that some personal data may be exempt from access, correction, objection, deletion, or suppression rights in accordance with local data protection laws.
Protection of Personal Data
Implementing adequate measure to protect your personal data is CB General Insurance Plc.’s utmost priority to ensure it is aligned with relevant data privacy and financial services laws. Nonetheless, no data transmission over the internet or data storage system can be fully secured. If you have reason to believe that your interaction with us is compromised, please notify us immediately.
Retention
We will not retain your personal data longer than is necessary for the fulfilment of the original purpose for which it was collected. We will take all reasonable steps to ensure that your personal data is destroyed or permanently deleted if no longer required unless such retention is necessary for our operational, audit, legal, regulatory, tax or accounting purposes.
Other Individuals Personal Data
When providing other individuals personal data to us, you undertake:
i) to notify the individual of this Notice; and
ii) to acquire any legal consent for the collection, use, disclosure and transfer (including international transfer) of personal data relating to the individual pursuant to this Notice.
Other Information Collected
“Other information” is any information that does not reveal your individual identity, such as Web Browser and electronic device information, application usage data, information collected through cookies, pixel tags and other automations, demographic information and other information provided by you and associated information.
We and our service providers may collect additional information in various ways, including:
– Application usage data when you download and use the applications, such as the date and time your electronic device access our servers and what information and files have been downloaded to the applications based on your device number.
– Cookies are data files that are saved directly on the computer you are using. Cookies enable us to identify your computer and gather information such as your internet browser type, time spent using the CB General Insurance Plc. digital platforms, pages visited, language preferences, and applicable country sites. We may use the information for security purposes, improve navigation, display information more effectively, tailor your experience while using the CB General Insurance Plc. digital platforms, or collect statistical data about CB General Insurance Plc. digital platforms usage. Cookies also allow us to present you with advertising or offers that are likely to be of interest to you. We may also use cookies to track your replies to our adverts, and we may use cookies or other files to track your responses to our advertisements.
– Certain information such as your location or preferred means of communication is collected when you willingly share it with us. Unless combined with personal data, this information does not personally describe you.
Kindly be advised that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under the relevant law. If we are required to treat Other Information as personal data under the relevant law, then, in addition to the uses listed in the “Other Information Collected” section above, we may use and disclose Other Information for all the purposes for which we use and disclose personal data.
Third Party Websites
This Notice does not relate and is not liable for, the privacy, information or other acts of any external parties which may link to CB General Insurance Plc. digital platforms. CB General Insurance Plc. digital platforms link with other external parties does not necessarily indicate an approval of the linked site by CB General Insurance Plc.
Kindly be informed that CB General Insurance Plc. is not liable for the collection, use, processing and sharing of policies and acts of other organizations, application developer, application provider, social media platform provider, operating system provider, wireless service provider or electronic device manufacturer which contains any personal data you share.
New Product and Services
As part of our continuous efforts to promote awareness and greater understanding on our new products and services for your benefit, we will from time to time contact or send you information on the said new products or services.
To opt out of getting information on new products or services, you may click “unsubscribe” found in each e-mail or get in touch with our customer service.
We strive to fulfil with your opt-out request(s) within a reasonable time. Kindly be informed that if you opt-out as mentioned above, we will not be able to remove your personal data from the databases of external parties with whom we have already shared your personal data. Kindly also be informed that if you do opt-out of receiving marketing information from us, we may still send you other important administrative information from which you cannot opt-out.
QR Code
CB General Insurance Plc. always protect customer data privacy. You can about to generate QR Code which contain your personal information and policy information such as
Personal Information
– Full Name
– Customer Id
– Date of Birth
– Phone
Policy Information
– Policy Number
– Policy Holder
– Period of Insurance
– Benefit Plan
– Benefit Schedule
User will be asking to confirm their consensus before getting their QR Code.
Queries and Complaints
If you need to contact us for any inquiries, correction, deletion, or complaints please write to us at:
CB GENERAL INSURANCE PLC.
Customer Service,
20th Floor, Prince Phnom Penh Tower, #445, Monivong Blvd, Sangkat Boeung Prolit, Khan 7 Makara, Phnom Penh,
Cambodia
Tel: 1800-208388 or
Email: info@cbgeneral.vip
