Privacy Policy for Becom Insurance

1. Introduction

Welcome to Becom Insurance Company (“Becom Insurance,” “we,” “us,” or “our”). We are committed to protecting your privacy and handling your personal data with transparency, integrity, and responsibility.

This Privacy Policy explains how we collect, use, process, and safeguard personal data when you use our website becom.ly, mobile applications, and digital insurance services.

This policy follows international data protection best practices, including the principles of the General Data Protection Regulation (GDPR), and aligns with the 2011 Libyan Constitutional Declaration, which guarantees the right to privacy.

2. Data Controller and Contact Information

Data Controller:

Becom Insurance Company

Contact Details:

• Email: Info@becom.ly
• Phone: +218-910919163 / +218-920919163

3. Categories of Personal Data We Collect

We collect only the minimum personal data necessary to provide insurance services effectively and lawfully.

A. Personal Identification Data

• Full name
• Phone number
• Email address
• Residential address
• Passport number (only when required for issuing specific insurance policies)

Important Notice: Date of birth is required exclusively for the issuance of Travel Insurance policies, as it is essential for underwriting, pricing, and determining policy terms. For all other services, date of birth is not required unless mandated by the policy type or applicable legal or regulatory obligations.

B. Insurance Policy and Service Data

• Insurance policy type
• Policy number
• Coverage details
• Claims information
• Information related to insured assets (e.g., vehicles or property)

C. Technical and Usage Information

• IP address
• Device type and operating system
• Application usage data collected solely for performance improvement and technical support

4. Payment and Financial Information

Important Clarification

Becom Insurance does not collect, store, or process any sensitive financial information, including:

• Credit or debit card numbers
• CVV or security codes
• Bank account details

All payments are processed exclusively through licensed and regulated payment gateways operating within Libya, including bank card and electronic wallet providers.

Payment information is entered and processed directly by the payment service providers and does not pass through or get stored on Becom Insurance systems.

5. How We Use Personal Data

We use personal data solely for the following purposes:

• Issuing and managing insurance policies
• Processing and handling insurance claims
• Managing user accounts
• Communicating with customers regarding services and updates
• Improving our digital platforms and service quality
• Complying with legal and regulatory requirements

6. Legal Basis for Processing

We process personal data based on one or more of the following legal grounds:

• Contractual necessity
• User consent, where applicable
• Legal and regulatory obligations
• Legitimate interests, provided they do not override user rights and freedoms

7. Data Sharing

Personal data may be shared on a limited basis with:

• Reinsurance partners
• Authorized technical and operational service providers
• Government and regulatory authorities, when legally required

We do not sell, rent, or disclose personal data for marketing purposes.

8. International Data Transfers

Where cooperation with international reinsurers is required, personal data may be transferred outside Libya using appropriate contractual and technical safeguards.

9. Data Security Measures

We apply appropriate technical and organizational measures to protect personal data, including:

• Data encryption
• Role-based access controls
• Regular security reviews
• Internal privacy and data protection policies

10. User Rights

Users have the right to:

• Access their personal data
• Request correction or updates
• Request deletion of data (subject to legal requirements)
• Restrict or object to processing
• Request data portability, where applicable

Requests can be submitted to: Info@becom.ly

11. Cookies and Tracking Technologies

Our website and applications may use cookies and similar technologies to enhance user experience and analyze platform performance. Cookie settings can be managed through the user’s browser.

12. Updates to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be published on this page with an updated effective date.