Johnedwardkelly Dubai's
Terms & Conditions

Terms & Conditions

Users of this website, www.johnedwardkelly.com ("The/This website"), are bound by the terms and conditions contained on this web page, and agree to comply with them. The terms and associated policies within apply to the use and access of the website, its data, services, text, information, and web pages.

If you do not agree with and/or cannot comply with the terms contained on this page, you may not use or access the website in any way. The terms and conditions on this page are subject to change at any time. Any changes to the terms listed here are effective immediately, and those continuing to access the website following any changes will have been deemed to have accepted them. You may not receive notification of any revisions of Johnedwardkelly Dubai's terms and conditions, and you agree that any such revisions or updates to the terms contained on this page will, in and of themselves, constitute sufficient notice.

Telephone calls and email correspondence with Johnedwardkelly Dubai may be recorded and stored for training purposes, as well as for fraud prevention and quality assurance. Communicating with Johnedwardkelly Dubai and its employees via these methods constitutes consent to have such data recorded.

All insurance policies are arranged through licensed insurance companies. Pacific Prime Insurance Brokers Dubai Pte Ltd. ("PPIBS") is a registered direct insurance broker with the Monetary Authority of Dubai. Johnedwardkelly Dubai is wholly owned and operated by PPIBS.

If an item within this terms and conditions page is not unlawful or otherwise void, that item will be considered invalid, but all other items will continue to be enforceable as written.

Any questions about the terms and conditions found here can be directed to Accuracy and availability

A technical matter may cause errors on the website, or otherwise interrupt service. Johnedwardkelly Dubai does not guarantee that such errors will be immediately remedied, nor does the company guarantee that this website will be free of computer viruses.

Privacy / Personal Information Collection Statement (PICS)

This Privacy Policy has been written to explain to you, users of our websites and clients, what data we collect, how we use it, and our adherence to both local and international regulations such as the GDPR.

The terms ‘we’, ‘our’, and ‘us’ used in this Privacy page refer to Pacific Prime Insurance Brokers Dubai PTE Ltd, of which Johnedwardkelly Dubai is a marketing entity; more commonly referred to in this document as Johnedwardkelly. Find our company contact details using this link.

Johnedwardkelly's stance on data collection, processing, and protection

In all things related to data collection and protection we strive to implement and follow modern best practices. Where possible we have adopted practices that ensure we are compliant across borders. The information contained within this privacy policy meet or exceed the following generally accepted data principles:

1. Personal data is processed fairly and legally - We do not collect or process any data unless it is contractually required or it is necessary by our partners.

2. Personal data shall be obtained only for one or more specified and lawful purposes - As noted above and explained through the document, Johnedwardkelly only collects and processes data when we need to.  

3. Personal data shall be relevant - Data collected by Johnedwardkelly is only what is needed, and nothing else. Any requests made by clients or otherwise are followed through immediately, or within the next business day.  

4. Personal data shall be accurate - All data collected by Johnedwardkelly is deemed to be accurate and any changes are updated as soon as physically possible.

5. Personal data shall be kept only for as long as it serves a purpose - All data stored by Johnedwardkelly is kept only as long as needed or legally required.

6. Personal data shall be processed only in accordance with local and international law - All data collection, processing, and storage is done in a way that it is compliant with local requirements where we have offices and international regulations such as the GDPR.  

7. Appropriate technical and security measures must be taken to secure personal data - Johnedwardkelly employs robust IT solutions and standard operating procedures that ensure all personal data is secure and only available to those who use it.

8. Personal data shall only be shared as necessary - Johnedwardkelly does share data, only as necessary, with other Johnedwardkelly offices. Any transfer of data is done utilizing secure methods. We will also only share data with third parties as is contractually necessary or legally required. We will not sell any of this data.  

How we meet these policies is explained throughout this document.  

What data is being collected?

As an insurance broker, Johnedwardkelly is contractually obligated to collect and retain certain personal data of both potential and existing clients. The data collected reflects what is required by insurers in order for the insurer to offer quotes, fulfill applications, underwrite, and enable coverage.

The personal data collected can include some or all of the following:

• Name (first, middle, and last) - All people to be covered by an insurance plan.  

• Address (work, or home) - Of the primary policy holder.

• Contact details (Phone number, email) - Of the primary policy holder or spouses.  

• Age - All people to be covered by the plan

• Gender - All people to be covered by the plan

• Nationality - All people to be covered by the plan

• Job title - Of the primary policy holder

• Family structure - If a family is applying for cover

• Medical history - Personal - Of the primary policy holder

• Medical history - Family - Of all people to be covered by the plan

• Insurance purchase, coverage and claims history - Primary policy holder.

• Lifestyle information - Of All people covered by the plan.

• Details related to method of payment (including credit card and bank account information) - Of the primary policy holder as well as any spouses.

• Preferences related to the purchase of insurance products and services - This applies not only to potential or current clients that we deal with directly, but also family members that they act on the behalf of.

Collection of data from businesses

The above list also applies to businesses that Johnedwardkelly sells to. For businesses additional data might also be requested by the insurer. This could include:

• Employee data of all types listed above

• Business registration and ownership information

• Business tax registration record

• Employee salary record - for life/disability plans only

Collection of data from children

Johnedwardkelly sells insurance cover to families. This means that a child's data may need to be collected, as is contractually required by an insurer. With all data collected for children under 18, Johnedwardkelly will contact the parents or guardian of the children to first gain consent and to explain what data is being collected and why.

In situations where we are dealing with a minor (any person under the age of 18) as the primary policy holder (e.g., a student going overseas contacts us looking for insurance) we will contact the parent or guardian of the minor and ensure that consent for requested data is provided. Parents or guardians will be involved in ALL communication and any decisions made.

Who collects data at Johnedwardkelly?

Officially employed Johnedwardkelly staff are the only persons approved to gather, handle, maintain, and use users’ personal data. Generally this will be handled by people on our sales staff, but such data can also be handled by staff in Kwiksure’s renewals, claims, administration, accounting, marketing, and client support departments, or by individuals among our principals and leadership.

How is data collected by Johnedwardkelly?

All data gathered by Johnedwardkelly is furnished by users of their own accord as long as their explicit consent is provided (see section below). You reserve the right to question what data is collected and why. User data may be collected across various mediums. Mediums where Johnedwardkelly collects data include:

• Insurance quote forms on our website - Certain data such as age of those to be covered, location, nationality, name, and phone or email are required in order to develop a personalized quote and enable our Sales team to contact you should you have questions or want to apply for insurance cover.    

• Email - This is the primary way application data is collected. Data collected by this medium will only be collected as necessary/required/requested by an insurer or as contractually required by law.  

• Application forms from the insurer, or ones created by Johnedwardkelly on behalf of an insurer, and other written documents - Only data listed in these forms will be collected. Data that is not necessary will not be requested.  

• Telephone calls and in-person verbal communication - Data that is not necessary will not be requested. Our advisors will plainly state what data they need and why it is necessary.    

• Text messages - This includes SMS, WeChat, WhatsApp, Facebook, and other chat/messaging apps. Data collected will only be what is necessary to furnish information requested by the client.

• Smartphone applications - Data collected here will only be what is contractually necessary.  

• Online forms - Data collected here is for marketing purposes and will never be shared with third parties unless consent is provided by the data holder, or is legally requested by a government.

Consent to collect data

By using this website, you consent to the collection and use of your personal data as described in this document. This consent is deemed to be entirely voluntary with data only being collected when contractually necessary, as required by law, or for marketing purposes.

Where required by applicable law, we will seek your explicit consent to collect, process, and use the personal data described in this document. In all cases, data requested will only be what you freely give. You maintain the right to refuse to provide your data along with the right to request to view or delete the data we have collected from you at any time.

It is important to note however that refusal to provide data that is contractually necessary, or data that you are legally obligated to cover will result in our inability to offer you our products or services. The use of this website will also not be possible.

If you would like to change/modify your consent please follow the contact information in the What control do I have over data and how do I change my consent? section of this document.

Why does Johnedwardkelly collect data?

Johnedwardkelly gathers information from users for two purposes:

1. Contractually necessary purposes – In order to apply for an insurance policy with an insurance provider, a user will need to provide information as required by a particular insurance company’s application requirements. Any data not required by an insurer will not be requested.

2. Marketing purposes – Aside from information directly relevant to insurance providers and products, the only other information used by Johnedwardkelly is purely for marketing purposes. This will only include contact details (email, and phone) and basic personal information (name), and will never include any type medical information.

How does Johnedwardkelly use collected data?

Johnedwardkelly uses data gathered from users to facilitate the sales, purchase, underwriting, payment, administration, use, and renewal of various insurance and financial products and services. We may also use personal data for marketing purposes related to the sale, purchase, underwriting, payment, administration, use, and renewal of various insurance and financial products.

In all cases, consent will be required. You can change your consent/Request to view your data that we have collected at any time by following the information in the What control do I have over data and how do I change my consent? section below

Does Johnedwardkelly share data?

Any user data collected by Johnedwardkelly is shared only internally within our offices, and with relevant licensed insurance companies, insurance agents, third party administrators, and third party service providers, as it directly applies to the wishes of the user. Any personal data regarding a particular user is also available to them upon request. We may also share requested user information with governmental authorities as required by law and local regulations.

Johnedwardkelly does not share user data with any third parties outside of relevant insurance companies, insurance agents, third party administrators, third party service providers, or governmental bodies, and does not sell user data under any circumstances.

How long does Johnedwardkelly store data?

Johnedwardkelly stores data for as long as a user is a client or can reasonably be considered a potential customer without having notified us of their intention to opt out of any marketing communications. Beyond this, users that purchase products or services through Johnedwardkelly will have their data stored for up to seven years following the end of their business with us, as such data may be needed for reasons related to taxation, governmental, and financial compliance.

What control do I have over data and how do I change my consent?

Johnedwardkelly Dubai respects the privacy of its clients and uses personal information provided by you in compliance with the Personal Data Protection Act (PDPA) 2012 and with great care and diligence.

Pursuant to the PDPA, you have the right to see or edit, or request the deletion any of your personal information at any time. Beyond that, you have the legal right to request information and details on the way Johnedwardkelly Dubai handles, stores, and discloses your information.

If you require any information or wish to amend your information stored with Johnedwardkelly Dubai, please contact our Data Protection Officer as follows:

Email: Please note that links to third-party websites may have different terms and conditions as well as personal data storage practices. Johnedwardkelly Dubai is not responsible, and can not access, any of this data stored by these other websites. Should you wish to view/amend your personal data stored on/by these websites we encourage you to contact these websites directly.

If you do not 'opt-out' from the above direct marketing policy, PPIBS and Johnedwardkelly Dubai, any quote or policy given to a user will constitute acceptance of the above-described distribution of the user's personal details for purposes of voluntary marketing. To withdraw such consent, end any direct marketing, and/or stop receiving information from Johnedwardkelly, please contact Anti-spam policy

Johnedwardkelly Dubai forbids the sending of unsolicited emails of any kind, whether on a mass or individual scale, and has a strict policy supporting this notion. Johnedwardkelly requires that emails only be sent to users who have requested that the company do so based on accepted email guidelines. If you believe that you have received a spam email from Johnedwardkelly, report this activity to Cookie policy

Internet browser 'cookies' are a tool Johnedwardkelly Dubai uses to analyze data from online traffic and page use. These can be and are used to improve the functionality of www.johnedwardkelly.com to better suit member and use needs. Johnedwardkelly Dubai will not gain any specific user information, nor gain access to a user's computer systems with cookies. Most web browsers settings default to accept cookies automatically.

Confirmation of insurance

Neither the content or this website, nor the submission of your information, constitutes acceptance of a user's request and offer to purchase a product from Johnedwardkelly Dubai. Nor will a policy request be viewed as an offer by Johnedwardkelly Dubai to provide a service or product to any user. Confirmation of a purchase of a product will only be provided to a user following the receipt of their formal application for said product, followed by its acceptance by Johnedwardkelly Dubai and subsequent provision of notification of acceptance. Such notification of the purchase of an insurance policy may not be formally issued in the form of a hard copy, and receipt of such a hard copy is not needed to produce a binding contract.

Products and services offered on the website may not have full product descriptions listed, and such information should not be considered complete. The details of a specific policy, including individual conditions covered and other terms, will be provided upon the decision to purchase a product either electronically or physically. If any contradiction should arise between information provided by the website and the relevant policy documentation, the policy documentation will prevail.

It is the responsibility of every user of the website to ensure that any payment information obtained from them is accurate and that sufficient funds have been allocated to address the costs of a product or service purchased.

Online transactions

Where appropriate, and in most cases, insurance policy documentation will be sent electronically. In the event that legal constraints prevent the sending of such documents electronically, physical forms will be mailed instead.

The website allows for online transactions to be made. Online purchases are not considered final until such time that Johnedwardkelly Dubai sends a user confirmation as such. The definition of transaction confirmation is when Johnedwardkelly Dubai has a user's acceptance and payment confirmation related to a particular product.

If a user provides Johnedwardkelly Dubai with an expired or inactive email address, the company shall not be held liable. It is the responsibility of all users to update Johnedwardkelly Dubai with any changes to email addresses and to make sure that all on-file email addresses function properly and are capable of receiving communications.

Johnedwardkelly Dubai is not liable in any way for damage or loss incurred as the result of a user's payment confirmation not being received due to electronic, telecommunications, computer, software, or mechanical failure, or due to an electronic instruction not being received.

Credit card information given to Johnedwardkelly Dubai will only be kept for as long as is necessary to carry out relevant transactions. As long as the law permits, Johnedwardkelly Dubai reserves the rights to refuse to process any given transaction at any time, and shall not be held liable.

Purchase and payment

Before any insurance policy is provided to a user, it is required that they provide Johnedwardkelly Dubai with a full and complete accounting of any information requested of them. Failure to supply or outright fabrication of information may result in claims being denied or may result in a voided insurance policy or fraud charge.

Requests for quotes can be submitted via our website. If a user identifies a desired plan and accepts the terms and price listed in their quote, a request for purchase can be made as long as any required information is provided. Johnedwardkelly Dubai's staff will then forward this information to the insurer for review of the application. The insurer will then either accept or reject it. Acceptance will result in the user being presented with a legally binding insurance agreement.

Purchases made on www.johnedwardkelly.com must be paid in full by the date listed on the corresponding purchase confirmation. Payment can only be made using the select types of credit cards that Johnedwardkelly Dubai or the insurer accepts. The details that will be needed for payment are as follows:

• Full name of the cardholder
• Credit card number
• Card expiration date
• Type of credit card

An insurance agreement is only legally binding following a successful payment transaction against a user's credit card, and payment being received by Johnedwardkelly Dubai.

Return, exchange, and cancellation refund

All insurance products from Johnedwardkelly Dubai are non-exchangeable and non-refundable. Johnedwardkelly Dubai's policy on refunds is to adhere to the details within each insurer's respective plan refund policy, with no other refunds otherwise.

Additional terms and conditions

• The insured recognizes that it is their responsibility to properly provide PPIBS/Johnedwardkelly Dubai with all relevant information related to their insurance policy. If the insured works with any other third party in relation to their insurance policy, any liability stemming from this relationship remains solely the responsibility of the insured.
• Any quote provided to a user of the website has a period of validity of fourteen days, subject to the insurer policy wording (given upon request), release of No Claims Discount (NCD), and confirmation of underwriting.
• Once an insurance policy is issued, and even before its start date, a minimum charge of SGD$100 or 20% of the the yearly premium (whichever is higher) will be levied against the insured.
• Within 1 month of the start date of an insurance policy, the following documentation must be provided to Johnedwardkelly Dubai and the insurance provider to ensure the validity of the policy: (i) NCD proof (if applicable); (ii) up-to-date vehicle registration information in the insured's name; (iii) Driver's license information for each driver; (iv) a signed proposal form.
• Pacific Prime Insurance Brokers Dubai Pte Ltd. (PPIBS) is an insurance intermediary that arranges insurance services and products on behalf of Johnedwardkelly Dubai and their clients. PPIBS it not an insurance provider on its own, and does not underwrite insurance risk in any capacity. Nor does it officially represent any individual insurance company.
• An insurance policy only will become valid and active once all personal information has been received and all outstanding premiums have been paid.
• Insurance coverage will not be provided until such time as the insured has received a valid cover note confirming the policy is active.
• No coverage shall be provided by an insurance policy until its effective date has passed.
• All insured individuals are responsible for reading the wording of all policy documentation, as well as accepting limitations, exclusions, conditions and other terms of the policy before the effective date is reached. Johnedwardkelly Dubai can provide a copy of any policy wording upon request.
• Users acknowledge that insurance contracts are based on the concept of Utmost Good Faith of the insured. If Utmost Good Faith is not upheld by the insured, the insurer may void the contract. The concept of Utmost Good Faith extends beyond the duration of an insurance contract and is considered to be ongoing. The insured is obliged (i) to not make fraudulent claims; (ii) to not misrepresent facts and (iii) to disclose all material information that would be relevant to an insurer or underwriter for purposes of determining risk and associated premiums. Facts are considered relevant to insurers if they are in any way applicable to any condition that a policy would cover, even if a formal request for such information is not given.   

Any and all use of www.johnedwardkelly.com, as well as any of its web pages or subdomains, is complicit acknowledgment that you have accepted the terms of all of the above policies.