Privacy Policy

Data Privacy and Protection Policy

Last Updated: 2026

This Privacy Policy describes how Insurance Broker Kompetenz ("Company", "we", "us", or "our") collects, uses, stores, and protects personal data when you access and use the website thekompetenz.com.

We are committed to ensuring the confidentiality, integrity, and security of personal data in accordance with internationally recognized standards including the General Data Protection Regulation (GDPR), principles of the OECD Privacy Framework, and global best practices in data protection.

1. Scope of This Policy

This Privacy Policy applies to all users of the website, including corporate clients, individual users, partners, and visitors interacting with our services, forms, and communication channels.

2. Information We Collect

We may collect the following categories of personal data:

• Identification Data: full name, company name, position
• Contact Information: email address, phone number, messaging accounts
• Technical Data: IP address, browser type, device information, cookies
• Usage Data: pages visited, interaction history, website behavior
• Business Information: insurance requirements, risk exposure details, project data

All data is collected on a lawful basis and limited to what is necessary for the provision of services.

3. Legal Basis for Processing

We process personal data based on the following legal grounds:

• Consent: when you submit forms or explicitly agree to data processing
• Contractual Necessity: to provide brokerage and insurance services
• Legitimate Interests: to improve services, ensure security, and prevent fraud
• Legal Obligations: compliance with applicable laws and regulations

4. Purpose of Data Processing

Your personal data may be used for the following purposes:

• Providing insurance brokerage services
• Risk assessment and analysis
• Communication with clients and partners
• Preparation of insurance and reinsurance programs
• Improvement of website functionality and user experience
• Compliance with regulatory and legal requirements

5. Data Sharing and Disclosure

We may share personal data with:

• Insurance and reinsurance companies for risk placement
• Professional advisors including legal and financial consultants
• Technology providers supporting website and CRM systems
• Regulatory authorities where required by law

All third parties are required to maintain confidentiality and process data in accordance with applicable data protection standards.

6. International Data Transfers

Due to the global nature of insurance and reinsurance markets, personal data may be transferred across jurisdictions. In such cases, we ensure that appropriate safeguards are implemented, including contractual clauses and secure data transfer mechanisms aligned with international standards.

7. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes outlined in this policy or to comply with legal and regulatory requirements. After this period, data is securely deleted or anonymized.

8. Data Security

We implement appropriate technical and organizational measures to protect personal data against unauthorized access, loss, misuse, or alteration. These measures include:

• Secure servers and encryption technologies
• Access control and authentication systems
• Regular security monitoring and audits
• Data minimization and internal access restrictions

9. Your Rights

In accordance with international data protection standards, you have the following rights:

• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing

To exercise your rights, you may contact us using the details provided below.

10. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance user experience, analyze website traffic, and improve services.

Cookies may include:

• Essential cookies required for website functionality
• Analytics cookies to understand user behavior
• Performance cookies to optimize system performance

You may control or disable cookies through your browser settings.

11. Third-Party Links

The website may contain links to third-party websites. We are not responsible for the privacy practices or content of external resources.

12. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Updated versions will be published on this page with the revised date.

13. Contact Information

If you have any questions regarding this Privacy Policy or the processing of your personal data, please contact:

Insurance Broker Kompetenz
Website: thekompetenz.com
Email: info@kompetenz.kz