We, at Citadel, endeavour to protect your privacy rights when you visit and use our website. For this purpose, we kindly invite you to read the following information so that you will be better guided as to how we will use and protect your personal information.

1. We will only collect personal information about yourself if you voluntarily submit it. We will treat such information in strict confidence in accordance with the requirements of our Data Protection Notice (see below) and the provisions of the Data Protection Act, 2001.
2. When you visit and browse through our website, you can do so without telling us who you are and/ or revealing any other information about yourself. We will only automatically collect your internet provider address.
3. When you visit and download information from our website, we automatically collect the following information:
   1. your internet provider address;
      
   2. the date and time when you accessed the site;
      
   3. the details of the requested web page and/ or download;
   4. whether your request was successful or not.
      Please note that we will only use this information for statistical purposes, and we will not transfer, sell or lease to any other party such information.
4. When you would like to contact us, you will be asked to fill in a form which will require you to enter certain personal information about yourself so as to enable us to contact you to provide you with the feedback/ service which you have requested.
5. If you provide us with personal information when completing and submitting any of the on-line forms that may from time to time be made available on our website with respect to our product range, we shall process this personal information in order to provide you with the particular service you request when completing these forms such as providing you with a requested quotation, administering any particular insurance policy that may be issued to you in this regard and responding to any enquiries that you may make.
6. From time to time we may further process your personal data to provide you with information about the our range of products and services including those of our affiliated companies, associates, agents and sub-agents or other carefully selected organisations and companies. Please inform us by sending an e-mail to customercare@citadelplc.com if you do not wish to receive any such direct marketing material.

Cookies

Our website makes use of "cookies" which are pieces of information that a website transfers to your computer’s system for record keeping purposes.

Cookies are created for each session you visit our website and they are used to enhance the content of web pages by storing information about your preferences, thus enabling website owners to provide more useful features for their users. We do not use cookies to obtain names or address information or any other information that will enable anyone to contact you via telephone, e-mail or any other means. The information which cookies can provide may include the date and time of visits, the pages  you view and the time you spend on our Web site.

Most web browsers are initially set to accept cookies. However, you can set your browser to block all or certain cookies or to notify you when they are sent.
Please note that information on how to change your options regarding cookies can be obtained by referring to your Operating Systems Manual or to the ‘Help’ section of your web browser, or by contacting your Internet Service Provider. However, given that we may sometimes use cookies you may not be able to take full advantage of our website if you decide to disable them.

Data Protection Notice

We are registered with the Office of the Commissioner for Data Protection, Malta to process personal data in accordance with the Maltese Data Protection Act, 2001. Therefore, we will process any personal and/ or sensitive data supplied to us on/ in an application/ proposal form or subsequently supplied by yourself, whether orally or in writing, for all or any of the following purposes:

1. underwriting and issuing contracts of insurance, collecting premiums and submitting other bills, settling claims or paying other benefits, reinsurance, co-insurance and actuarial activities;
2. the proper performance of your contract of insurance;
3. underwriting of subsequent insurance applications/ proposal forms which you may lodge with the Company;
4. preventing, detecting and/ or prosecuting fraud and any other criminal activity which the Company is bound to report and meeting any other specific legal or contractual obligations;
5. establishing, exercising or defending any legal action;
6. internal management, research and statistics, systems administration and the development and improvement of the Company’s products and services;
7. the protection and promotion of the Company’s legitimate interests and the proper conduct of its business.

Relevant data will be disclosed or shared as appropriate with all the Company’s employees and with affiliated companies, associates, agents and Tied Insurance Intermediaries, your broker if any, the Malta Insurance Association, other insurance companies and other third parties if pertinent to any of the purposes listed above.

Should you have availed yourself of the services of one of the Company’s agents or sub-agents you confirm that you are aware that such agents and sub-agents will process your personal data pursuant to their legal obligations.

Every field on any online form is mandatory. Should you fail to fill in any mandatory field, the Company reserves the right to refuse insurance cover. Should any field be inapplicable to your particular circumstances, please mark that field with the letters “N/A”.

When you complete and forward to us an online form which includes also information of other person, you confirm that you are giving your explicit consent, in terms of the Data Protection Act, 2001, on behalf of yourself and all the other persons specified in this form, for the Company to process the said personal information as outlined above and you confirm that you have brought this Data Protection Notice to the attention of these other persons and obtained their respective consents.

Access and changes to your personal data

You have the right to require that the Company provides you with access to your personal data as well as the right to rectify, or, in appropriate circumstances, erase any inaccurate, incomplete or immaterial personal data which is being processed. However, you are required to inform us immediately of any alterations relating to your personal data which the Company is processing, by writing to the Data Protection Officer at Citadel Insurance plc, 26, Casa Borgo, Market Street, Floriana FRN1082.

Security

We undertake to implement appropriate measures and safeguards for the purpose of protecting the confidentiality, integrity and availability of all data processed. All our employees and data processors, who have access to and are associated with the processing of personal data, are further obliged to respect the confidentiality of our visitors' personal data.

However, please note that by its very nature the Internet is not a secure medium and data sent via this medium can potentially be subject to unauthorised acts by third parties. We cannot guarantee the privacy or confidentiality of any information passing over our website. Moreover, data sent via the Internet may be transmitted across international borders even where sender and receiver of information are located in the same country. Consequently, data relating to you may be transmitted via a country having a lower level of data protection than that existing in your country of residence. Therefore, we shall accept no responsibility or liability whatsoever for the security of your personal information whilst being transmitted via the Internet

Links to other websites

Our website may contain links to local and international websites. Please note that such links are not an endorsement by us of any information, products or services in such websites and we shall not accept any responsibility whatsoever for the content, use, availability, privacy practices or the content of any such websites. Please note that upon linking to such other websites, you will no longer be on our website and you will become subject to the Privacy Policy, if any, of such other website.

No third party is permitted to link any other website to our website without obtaining our prior written consent.

Changes to the Privacy Policy

We reserve the right to update this Privacy Policy at any time. It is in your own interest to check this page any time you access our website so as to be aware of any amendments which may have been made.

Queries and support

In the event that you require any further information or seek clarifications with respect to our privacy statement and Data Protection Notice, please contact our Data Protection Officer at Citadel Insurance plc, 26, Casa Borgo, Market Street, Floriana FRN1082. You can also send an email on customercare@citadelplc.com or call 25579000.