|   Payment IconPAY ONLINE   |     |  

    Privacy Statement


    General Accident Insurance Company ( hereinafter referred to ‘ GENAC’) is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. GENAC is committed to respecting your privacy and to complying with applicable data protection and privacy laws. This Data Privacy Statement is provided to help you understand how we may collect, use, protect, and otherwise deal with your personal information.

    You acknowledge that by providing your personal information to GENAC you consent to the processing of your data in accordance with this Data Privacy Statement.   You should read this notice in conjunction with the Terms and Conditions of our various  products as well as the Terms of Use of use for our websites and our products and services. This Privacy Statement covers all businesses and entities of GENAC in which it operates.

    This Statement of Privacy applies to the GENAC Web site and governs data collection and usage. By using the General Accident website, you consent to the data practices described in this statement.

    Collection of your Personal Information

    The types of personal  information GENAC may collect, include but are not limited to :,

    There is also information about your computer hardware and software that is automatically collected by GENAC. This information can include but is not limited to :

    This information is used by GENAC for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the GENAC Web site.

    Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through GENAC public message boards, this information may be collected and used by others. Note: GENAC does not read any of your private online communications.

    GENAC encourages you to review the privacy statements of Web sites you choose to link to from GENAC so that you can understand how those Web sites collect, use and share your information. GENAC is not responsible for the privacy statements or other content on Web sites outside of the GENAC and /or Web sites that are within the scope of responsibility of  GENAC.

    Use of your Personal Information

    GENAC collects and uses your personal information to operate  GENAC’s Web site and deliver the services you have requested. GENAC also uses your personally identifiable information to inform you of other products or services available from GENAC  and its affiliates. GENAC may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

    GENAC does not sell, rent or lease its customer lists to third parties. GENAC may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, GENAC may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries.

    All such third parties are prohibited from using your personal information except to provide these services to GENAC, and they are required to maintain the confidentiality of your information. GENAC does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

    GENAC keeps track of the Web sites and pages our customers visit within GENAC, in order to determine what GENAC’s services are the most popular. This data is used to deliver customized content and advertising within GENAC to customers whose behavior indicates that they are interested in a particular subject area.

    GENAC’s  Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on GENAC or the site; (b) protect and defend the rights or property of GENAC and, (c) act under exigent circumstances to protect the personal safety of users of GENAC, or the public.

    Data Transfer
    GENAC will endeavor to ensure adequate commercial agreement is established with third party affiliates with respect to cloud computing services and exporting of data to countries in accordance with applicable legislation governing different territories. GENAC also ensures secure data transfers using well-known security technologies and practices to secure data from unauthorized access or interception.  However, please be aware that communications over the public Internet, such as emails/webmails, facsimile, are not secure unless they have been encrypted. Your communications may route through a number of countries before being delivered – this is the nature of the World Wide Web/Intranet. GENAC cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.
    Data Retention
    GENAC retains data for a specific period of time required, however certain data can be retained for longer periods as required by the laws of the territory within which the specific service is operated.
    We are concerned about safeguarding the confidentiality of your information. We provide physical, electronic, and procedural safeguards to protect information we process and maintain. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our services.   We also engage well-known technologies including but not limited to firewalls, intrusion detection, SSL (Secure Sockets Layer), routine network vulnerability assessment and 24 x 7 monitoring of its network. Please be aware that although we endeavor to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.

    Use of Cookies
    The GENAC Web site use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

    One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize GENAC’s pages, or register with GENAC  site or services, a cookie helps GENAC  to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same GENAC Web site, the information you previously provided can be retrieved, so you can easily use the GENAC  features that you customized.

    You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the GENAC services or Web sites you visit.

    Security of your Personal Information
    GENAC secures your personal information from unauthorized access, use or disclosure. GENAC secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

    Changes to this Statement
    GENAC will occasionally update this Statement of Privacy to reflect company and customer feedback. General Accident encourages you to periodically review this Statement to be informed of how General Accident is protecting your information.

    Contact Information
    GENAC welcomes your comments regarding this Statement of Privacy. If you believe that GENAC has not adhered to this Statement, please contact GENAC at info@genac.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.

    © 2024 General Accident Insurance Company (Trinidad & Tobago) Limited