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1.    Introduction

1.1.    The Insurance Corporation of Barbados Limited (ICBL) recognises and shares the privacy concerns of visitors to our website.

1.2.    This Privacy Policy explains the ways in which the ICBL discloses and manages the personally identifiable data and information that we collect from you. It covers the website (hereinafter called “the site”).

1.3.    This privacy policy does not guarantee that all personal information provided by  you via the website will remain secure.

1.4.    By using this site and any services available through this site, you are:-

1.4.1.    consenting that you have read, understood and that you are agreeing to be bound by this Privacy Policy  in respect of the information and data collected about you; and
1.4.2.    consenting to the collection, use, disclosure and transfer  of your information under the terms of the Policy explained below.
1.5.    If you have any queries about this policy, please send an email addressed to our Legal Department at  

2.     Types of Information Collected

2.1.    When you use the site, you may be asked to give us some personal information. This may include:
2.1.1.    your name, gender, date of birth and marital status;
2.1.2.    your postal and email addresses and telephone contact numbers;
2.1.3.    your claims history risk characteristics and activities;
2.1.4.    your personal health or financial  information;
2.1.5.    your usage of our site and the date and time that you visited our site;
2.1.6.    the type of internet browser you use, type of computer operating system used, IP address, and the domain name of the website from which you linked to our site or advertisement.

3.    Uses of Information Collected

3.1.    ICBL may use the collected information for one or more of the following purposes:-
3.1.1.    to determine the number of visitors to our site;
3.1.2.    to determine customer needs and interests;
3.1.3.    to fulfill your requests for and to assist in development and design of new insurance products;
3.1.4.    to process your applications and online payments and generally to administer your accounts with ICBL;
3.1.5.    to update and inform our customers of developments, upgrades and new products which we believe may be of interest to you;
3.1.6.    to assist ICBL staff in providing accurate quotations when requested;
3.1.7.    to comply with any applicable law, regulation or government request;
3.1.8.    as an entry for a contest or prize competition;
3.1.9.    to verify your identity;
3.1.10.    to identify, diagnose and solve technical problems and errors relating to the ICBL site;
3.1.11.    to make general improvements and upgrades to our site;
3.1.12.    for marketing, operational and other promotional purposes;

3.2.    Please note that ICBL will only contact you by email if you have agreed or provided your consent to such contact.

3.3.    If you do not want your information to be used for the above purposes, and do not wish to be contacted by ICBL, please do not submit information to us via our site. If you wish us to remove your current information from our records, kindly contact our site administrator at email address

4.    Sharing of Personal and User Information

4.1.    ICBL will restrict the use of your information. Access to your information will only be provided to employees on a need-to-know basis in order to provide the products and services you have requested.

4.2.    Third parties such as appraisers, independent loss adjusters, attorneys-at-law, insurance agents, investigators, insurance regulators, your mortgage lender or lien holder and other persons may be given access to your personal information. However, we will not give these third parties access to your information unless such disclosure is:-
4.2.1.    pursuant to your consent;
4.2.2.    to comply with a Court Order or other legal requirement, regulation rule, law or process;
4.2.3.    to protect our rights and property;
4.2.4.    to enforce our Terms of Use for this site;
4.2.5.    in connection with a proposed or actual corporate sale, merger, transfer or exchange of information;
4.2.6.    necessary in order to process and administer your application or account.

4.3.    ICBL will maintain physical, electronic and procedural safeguards to protect your personal information.

4.4.    ICBL will treat personal information about potential customers and former customers in accordance with the policies described in this Policy regarding the personal information of our current customers.

5.    Cookies

5.1.    ICBL reserves the right to use cookies on our website. A cookie is a small amount of data in the form of a simple text file that is sent to your browser from a web server and stored on your computer’s hard drive. Cookies are used to:
5.1.1.    remind us of who you are;
5.1.2.    assist in tracking responses to communications, applications, surveys, sales and process your submitted data.

5.2.    You may set your internet browser to notify you when you are sent a cookie. You can then decide whether or not to accept the cookie, if you do not accept the cookie, your access to the interactive applications of our site may be limited. If you do accept a cookie, you may delete it from your computer’s hard drive at any time.

6.    Limitations to the Scope of Privacy Agreement

6.1.    This site contains links to other websites. These links are intended for your convenience. ICBL makes no warranties or representations as to the privacy practices and policies or the content of these websites. A link to another website does not constitute an endorsement of the content, viewpoint, accuracy, opinions, policies, products, services or accessibility of the site.

6.2.    If you visit these sites, you do so at your own risk.  We advise that you review the Privacy Policies and Terms of Use of these websites.

7.    Updates and Changes to the Privacy Policy

7.1.    We reserve the right at any time and without notice to update, add to, change or modify this Privacy Policy. Any change will be effective immediately upon posting.

Legal Department

September 14, 2010