This Policy is applicable to every Employee(s) including senior management and members of the Board of Directors. The requirements under this Policy also extend to intermediaries, suppliers, service providers, consultants or vendors doing business with the Company.
“Bribery is an offence, committed intentionally comprising of a promise or offer to any person, or the solicitation or acceptance by any person, directly or indirectly, of an undue advantage, for the official himself or herself or another person or entity, in order that the official act or refrain from acting in the exercise of his or her official duties”.
In simple terms, Bribery is the offer, promise, or payment of cash, gifts, or even excessive entertainment, or an inducement of any kind offered or given to a person in a position of trust to influence that person’s view or conduct or to obtain an improper advantage.
Bribery can take many forms, such as;
Corruption can be defined as a lack of honesty and integrity in one’s action or inaction; the misuse or abuse of a position for personal gain. This can also include any benefit enjoyed by someone other than the person involved in the corruption, for example a family member or colleague.
Corruption includes bribery, embezzlement / misappropriation of funds / properties, conducting business under influence, abuse of power and functions, illicit enrichment of person’s wealth and properties.
Fraud is an intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right. Fraud can violate civil law (e.g., a fraud victim may sue the fraud perpetrator to avoid the fraud or recover monetary compensation) or / and criminal law (e.g., a fraud perpetrator may be prosecuted and imprisoned by governmental authorities). The purpose of fraud may be some monetary gains or other benefits.
Fraud includes deception, forgery, extortion, bribery, corruption, theft, conspiracy, embezzlement, misappropriation, false representation, concealment of material facts and collusion. The types of corporate frauds include procurement fraud, theft of cash, physical assets or confidential information; misuse of accounts; financial accounting misstatements; inappropriate journal vouchers; false employment credentials; fraudulent expense, benefit or claims; malign data, data manipulation, data theft by transferring, copying, leakage etc.
Internal Fraud relates to Fraud as mentioned above perpetrated by staff or their representatives and may include falsifying books, records, concealing payments or misrepresenting payments.
External Fraud relates to Fraud as mentioned above perpetrated by associated persons, counterparties or unrelated external persons and may include making a false claim under a policy or attempting to divert funds.
This Policy is applicable to every employee including senior management and members of the Board of Directors and Group-entities.
The requirements under this Policy also extend to intermediaries, suppliers, service providers, consultants, and all the other supply chain partners who are directly or indirectly doing business with the Company.
Modern Slavery have been defined in two terms as below:
Any work or service that is exacted or exploited from any person under the menace of any penalty, fear, or coercion and to which the person has not offered himself or herself voluntarily or is not as per terms of employment contract. It refers to situations in which persons are coerced to work using violence or intimidation, or more subtle means such as manipulated debt, retention of identity papers or under paying or threats of denunciation to immigration authorities or blocking free movement.
Exploitation shall include, at a minimum, prostitution of others or other forms of sexual exploitation or the removal of organs, slavery or practices similar to slavery like compensating lesser than others for the same work and output or discriminating on the basis of appearance, color, gender or race.
Human trafficking shall mean the recruitment, transportation, transfer, harboring or receipt of persons, by means of the threat or use of force or other forms of coercion, of abduction, of fraud, of deception, of the abuse of power or of a position of vulnerability or of the giving or receiving of payments or benefits to achieve the consent of a person having control over another person for the purpose of exploitation.
QIC has the right and obligation to provide all employees with:
Employees on the other hand are expected to:
QIC has a “no smoking policy” inside its company premises. Smoking is only allowed in designated areas, outside the buildings.
Personal appearance and attire must reflect a professional work environment and shall conform to the rules of decency in accordance with local customs.
Employees shall maintain the utmost confidentiality with regard to QIC and its client information. This principle continues to be applied after the termination of employment.
Employees shall take adequate steps to safeguard QIC’s fixed and movable property and funds.
In such a case the policies stated above have been breached QIC will take the necessary disciplinary actions
Qatar Insurance Company Q.S.P.C. (“we”, “us” “our”), is a leading non-life insurance company that brings innovative and tailor-made insurance solutions coupled with world-class level of service. Protecting your privacy is a top priority for us. This privacy notice explains what type of personal data will be collected, how and why it is collected and to whom it is shared or disclosed.
Please read this notice carefully:
A data controller is an individual or legal person who controls and is responsible to keep and use personal data in paper or electronic files. We are the data controller as defined by relevant data protection laws and regulations.
|Type of Personal Information||Details|
|Individual / Know Your Customer (KYC)Details||Name, address, other contact details (e.g. email and telephone numbers), date and place of birth, nationality, employer, job title|
|dentification Details||Identification numbers issued by government bodies or agencies, including passport number, National ID number and driving license number|
|Financial Information||Bank account, income, or other financial information|
|Risk Details||Information needed to collect in order to assess the risk to be insured and provide a quote. This may include data relating to health, or other special categories of personal data.|
|Policy Information||Information about the quotes received by data subjects and policies they take out|
|Anti-Fraud Data||Credit history, bank card/account details, sanctions, and criminal convictions, and information received from various anti-fraud databases|
|Previous and Current Claims||Information about previous and current claims, (including other unrelated insurances), which may include data relating to health, criminal convictions, or other special categories of personal data and in some cases, surveillance reports.|
|Special Category Data||Certain categories of personal data which have additional protection under the applicable laws and regulations. The categories may include health and criminal convictions. This includes data resulting from medical reports or death certificates, your medical claims history, details of physical and psychological health or medical Conditions, credit / debit card and bank account details.|
|Visitor Management and Surveillance Data||Personal information such as visitor name, mobile number, national ID, CCTV surveillance|
|No.||Purpose||Explicit consent needed?|
|1.||Insurance contract administration (e.g., quotation, underwriting, claims handling)||Yes, where needed. However, there will be situations where consent is not required for us to process your personal data, for example in cases of medical emergency.|
|2.||To administer debt recoveries||No|
|3.||To inform you or permit QIC and selected third parties to inform you, about products and services we feel may interest you in accordance with your marketing preferences. You may withdraw this consent through the consent withdrawal option||Yes|
|4.||To personalize your experience on our website or mobile application by presenting products, services, marketing messages, offers and content tailored to you and to make other decisions about you using computerized technology such as assessing which products might be most suitable for you.||Where needed|
|5.||When processing claims we may use automated decisionmaking technology to process your personal data.||Where needed|
|6.||Fraud, Money Laundering, and Terrorist Financing prevention and detection||No|
|7.||Meet any legal obligations (e.g., tax, accounting and administrative obligations)||No|
|8.||To redistribute risk by means of reinsurance and coinsurance||No|
Subject to the applicable laws, you may exercise the following rights: –
You may exercise these rights by contacting us as detailed below providing your name, email address, account identification, and purpose of your request.
However, QIC reserves the right to deny or cancel its products and services in case it does not have the necessary rights to access data to conduct the KYC (Know-Your-Customer) and apply its underwriting, claim and other rules and processes.
Hence, by giving your consent to this notice, you have hereby authorized QIC in accordance with section 4 of this notice to collect, process and utilize your personal data for necessary purposes and periods as defined in this notice.
We regularly review this data protection notice.
We will ensure the most recent version is updated in all the data collection forms.