Rest assured, we will not pass on your personal information to third parties or any other organisations without your permission or unless we are permitted by law to do so.

The times when you agree that we may share your personal information are as follows:

• When we need to pass on personal information to providers in order to provide you with cover or benefits relating to an Optimum Global policy.
• Payment processors to facilitate payment transactions.
• Regulatory bodies and authorities, where disclosure is necessary to comply with legal requirements.
• Insurers or Reinsurers associated with your policy, including their affiliated companies, to assist in underwriting, claims handling, and policy management.
• When you are covered on a corporate scheme and we need to share information with your employer or intermediary for administration purposes.
• When you have given us permission to share information with your intermediary
• When an employee is following up your enquiry and needs to pass on information to another member of our team in order to respond.
• When we need to share information with insurance partners in different regions in order to provide you with appropriate cover.
• When we need to pass on information to credit reference agencies for the purpose of assessing your credit score.
• When we are required to pass on information to other insurers and third parties for the purpose of fraud detection
• When we are under a duty to disclose or share your personal data in order to comply with any legal obligation