Terms and Conditions

This document outlines how i-Brokers collects, uses, and protects your personal data, and sets out the terms that govern your use of our services and website.

Introduction to Data Collection and Protection

At i-Brokers, we are committed to implementing best practices in data collection and protection. This privacy statement is based on generally accepted data principles:

  • Personal data is processed fairly and legally. We only collect data when it is contractually required or necessary.

  • Personal data is obtained only for specified, lawful purposes. We collect and process data only when needed.

  • Personal data is relevant and limited to what is necessary. We act on requests promptly, usually by the next business day.

  • Personal data is accurate and updated as soon as changes are identified.

  • Personal data is retained only as long as necessary or legally required.

  • Personal data is processed in accordance with local and international law, including GDPR.

  • Appropriate technical and security measures are in place to protect personal data.

  • Personal data is only shared when necessary, using secure methods. We do not sell personal data.

Who Collects Data at i-Brokers?

Only officially employed i-Brokers staff are authorised to collect, handle, and use users’ personal data. This is primarily managed by sales staff, but may also involve compliance, renewals, claims, administration, accounting, marketing, and client support teams.

What Data is Collected?

As a broker, we must collect and retain certain personal and business data to obtain insurance quotes and process policies. This may include:

  • Full name

  • Address (home or work)

  • Contact details (phone and email)

  • Age, gender, nationality

  • Medical history

  • Payment details

  • Lifestyle information

  • Job title

  • Family structure (for family plans)

  • Insurance history

For corporate clients, this may also include:

  • Employee data (as above)

  • Business registration and ownership information

  • Tax records

  • Employee salary records (for life/disability plans)

How is Data Collected?

We collect data with the user’s consent through the following channels:

  • Online quote forms

  • Email

  • Insurer or custom application forms

  • Telephone and in-person communication

  • Messaging platforms (e.g. SMS, WhatsApp, WeChat)

  • Smartphone apps

  • Marketing forms (shared only with consent or if legally required)

Why Does i-Brokers Collect Data?

We collect data for two reasons:

  • To meet contractual requirements from insurers

  • For marketing purposes (limited to name and contact information; no medical data)

Does i-Brokers Share Data?

Data is shared only within our organisation and with licensed insurance companies, agents, and approved third parties. We may also share data with regulators and authorities as required. We never sell personal data.

How Long is Data Stored?

We retain data while the user remains a client or can reasonably be considered a potential client. Data from past clients is stored for up to seven years to meet compliance requirements.

Consent to Collect Data

By using our website, you consent to the collection and use of your data as described. Where required, explicit consent is sought. You may refuse to provide data or request to view/delete it at any time. However, refusal may prevent us from offering services.

How is Data Used?

We use your data to manage insurance policies from application to renewal. We may also use it for relevant marketing, with your consent.

Managing Your Data and Consent

You can access, amend, or opt out of marketing by contacting:

i-Brokers Data Protection Officer
15F, Nexxus Building, 41 Connaught Road Central, Central, Hong Kong
Email: contact@i-brokers.com

Compliance with Data Regulations

Our policies comply with GDPR, Hong Kong’s Personal Data (Privacy) Ordinance, the Insurance Authority’s requirements, and Thailand’s PDPA. We ensure our handling of data meets all relevant legal standards.

Collection of Data from Children

When dealing with policies involving minors, we obtain parental or guardian consent. All communications and decisions involve a responsible adult.

Cookies on Our Website

We use cookies to improve content relevance and user experience. By continuing to use the site, you consent to cookie usage.

Summary of Data Policy

We only collect necessary data, never sell it, and comply with international and local privacy regulations.

Your Responsibilities

You must provide truthful and accurate information. Contracts are between you and the insurer. You are fully responsible for your use of the website and any content you submit. Misuse or harmful content is prohibited.

Insurer Product Information

By purchasing a policy, you confirm you have read and understood the terms, benefits, and exclusions. Seek advice if unsure. No policy is binding until coverage is confirmed in writing.

Documents may be sent electronically unless legally prohibited.

Information on this website does not replace full product terms. Always refer to the insurer's terms and seek independent advice if needed. Travel insurance premiums are non-refundable once issued.

Our Service

i-Brokers offers a free, independent comparison service. We receive commission from insurers. We do not underwrite risk or act on behalf of any one insurer.

We do not sell or distribute user data to third parties.

Complaints

To make a complaint, contact us at contact@i-brokers.com