Privacy Policy
Effective Date: 02.04.2026
Last Updated: 02.04.2026
R&D Underwriting is committed to protecting your privacy and handling personal data in a transparent, lawful and secure manner. This Privacy Policy explains how we collect, use, store, disclose and otherwise process personal data when you visit our website, contact us, submit an enquiry, interact with us in connection with our services, or otherwise engage with us.
Please read this Privacy Policy carefully. By using our website, you acknowledge that your personal data may be processed as described in this Privacy Policy.
1. Who We Are
For the purposes of this Privacy Policy, the data controller is R&D Underwriting.
Address: Pavlou Valdaseridi 2A, Floor 1, 6018, Larnaca, Cyprus
Telephone: +40 733 502 402
Website: https://rd-underwriting.com/
Contact Page: https://rd-underwriting.com/contact/
If you have any questions about this Privacy Policy or how we handle personal data, you may contact us using the contact details above.
2. Scope of This Privacy Policy
This Privacy Policy applies to personal data collected through our website and in connection with related communications, enquiries and business interactions. It applies to information submitted through our website forms, email communications, telephone contact, submissions relating to broker or business enquiries, and any other personal data you provide to us or that we collect in the course of operating our website and supporting our services.
3. What Personal Data We May Collect
Depending on how you interact with us, we may collect and process the following categories of personal data:
- Identity information, such as your name, title or professional role
- Contact information, such as email address, telephone number and business address
- Company or broker-related information, such as company name, industry, jurisdiction and professional details
- Enquiry and correspondence information, including the content of messages, submissions, documents and attachments you send to us
- Claims, underwriting or submission-related information where provided to us through appropriate channels
- Technical information, such as IP address, browser type, device type, operating system, referring pages, usage data and website interaction data
- Any other personal data you voluntarily provide when contacting us or using our website
We ask that you do not submit unnecessary sensitive or confidential personal data through website forms unless specifically requested and appropriate safeguards are in place.
4. How We Collect Personal Data
We may collect personal data in the following ways:
- Directly from you when you complete a contact form, submit an enquiry, request information, communicate with us by email or telephone, or otherwise contact us
- Automatically when you use our website, through server logs, cookies and similar technologies, subject to applicable law and any cookie settings or consent mechanisms in use
- From brokers, business partners, service providers or other third parties where relevant and lawful
- From publicly available professional sources where appropriate for legitimate business purposes
5. Why We Process Personal Data
We may process personal data for the following purposes:
- To respond to your enquiries and communications
- To provide information about our services, areas of expertise, products or business activities
- To review, assess and manage submissions, broker interactions, claims-related communications or other business requests
- To administer and operate our website
- To maintain website security, monitor performance and prevent misuse
- To comply with applicable legal, regulatory and compliance obligations
- To establish, exercise or defend legal claims
- To improve our website, services and communications
- To manage business relationships with brokers, partners, clients, suppliers and professional contacts
6. Legal Bases for Processing
Where required by applicable data protection law, we rely on one or more of the following legal bases for processing personal data:
- Consent: where you have given clear consent for a specific processing activity
- Contract: where processing is necessary to take steps at your request prior to entering into a contract or to perform a contract
- Legal obligation: where processing is necessary for compliance with legal or regulatory obligations
- Legitimate interests: where processing is necessary for our legitimate business interests, provided those interests are not overridden by your rights and freedoms
- Legal claims: where processing is necessary to establish, exercise or defend legal claims
Where we rely on legitimate interests, these may include operating and improving our website, responding to business enquiries, maintaining network and information security, administering relationships and ensuring the effective management of our business activities.
7. Cookies and Similar Technologies
Our website may use cookies, analytics tools and similar technologies to support functionality, enhance performance, understand how visitors interact with the website, improve user experience and maintain security.
Where required by law, non-essential cookies will only be used with your consent. You may also be able to control cookies through your browser settings. Please note that disabling certain cookies may affect website functionality.
If a separate Cookie Policy or cookie notice is made available on our website, it should be read together with this Privacy Policy.
8. How We Share Personal Data
We may share personal data where necessary and lawful with:
- Our professional advisers, auditors, legal counsel and compliance advisers
- IT, hosting, website, analytics or communications service providers acting on our behalf
- Brokers, business partners, service providers or other third parties where relevant to a request, submission or relationship
- Regulators, authorities, courts, law enforcement or other bodies where required by law or necessary to protect our legal rights
- Third parties in connection with corporate transactions, restructuring or business transfers, where legally permitted
We do not sell personal data. Where third parties process personal data on our behalf, we seek to ensure that appropriate contractual, confidentiality and security obligations are in place.
9. International Transfers
Where personal data is transferred outside the European Economic Area or outside the jurisdiction in which it was collected, we will take steps to ensure that appropriate safeguards are in place, where required by applicable law. These safeguards may include adequacy decisions, standard contractual clauses or other lawful transfer mechanisms.
10. Data Retention
We retain personal data only for as long as necessary for the purposes for which it was collected, including for the purposes of satisfying legal, regulatory, tax, accounting, reporting or compliance obligations, resolving disputes, enforcing agreements and maintaining appropriate business records.
Retention periods may vary depending on the type of data and the purpose of processing. When personal data is no longer required, we will delete, anonymise or securely dispose of it, unless further retention is required or permitted by law.
11. Data Security
We take appropriate technical and organisational measures to protect personal data against accidental or unlawful destruction, loss, alteration, unauthorised disclosure, unauthorised access and other unlawful forms of processing.
While we take data security seriously, no method of transmission over the internet or method of electronic storage can be guaranteed to be completely secure. You share information with us at your own risk, but we take reasonable steps to protect it once received.
12. Your Data Protection Rights
Subject to applicable law, you may have the following rights in relation to your personal data:
- The right to be informed about how your personal data is used
- The right to request access to your personal data
- The right to request correction of inaccurate or incomplete data
- The right to request erasure of your personal data in certain circumstances
- The right to request restriction of processing in certain circumstances
- The right to object to processing in certain circumstances, including where processing is based on legitimate interests
- The right to data portability, where applicable
- The right to withdraw consent at any time, where processing is based on consent
- The right not to be subject to decisions based solely on automated processing, including profiling, where applicable under law
If you wish to exercise any of these rights, please contact us using the contact details provided in this Privacy Policy. We may need to verify your identity before responding to your request.
13. Complaints
If you believe that your personal data has been processed in a way that does not comply with applicable law, we encourage you to contact us first so that we can try to resolve your concerns.
You may also have the right to lodge a complaint with a competent data protection supervisory authority in the relevant jurisdiction.
14. Third-Party Links
Our website may contain links to third-party websites or platforms. This Privacy Policy does not apply to third-party sites, services or content. We are not responsible for the privacy practices of third parties, and we encourage you to review their privacy notices before providing personal data to them.
15. Children’s Privacy
Our website is intended for business and professional use and is not directed to children. We do not knowingly collect personal data from children through this website. If you believe that a child has provided personal data to us, please contact us so that we can take appropriate action.
16. Automated Decision-Making
We do not currently intend to make decisions based solely on automated processing through this website that produce legal effects or similarly significant effects on individuals. If this changes, we will update this Privacy Policy and provide any required information under applicable law.
17. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in legal requirements, regulatory expectations, technology, website functionality or our business practices. Any updated version will be posted on this page with a revised effective or updated date.
We encourage you to review this page periodically so that you remain informed about how we handle personal data.
18. Contact Us
If you have any questions about this Privacy Policy, your personal data, or your rights, please contact us:
R&D Underwriting
Pavlou Valdaseridi 2A, Floor 1, 6018, Larnaca, Cyprus
Telephone: +40 733 502 402
Contact Page: https://rd-underwriting.com/contact/
