axa xl dubai

Local knowledge, global expertise It also describes your choices regarding use, access and correction of your personal information. AXA XL’s North America Construction insurance business has promoted Rose Hall, P.E., formerly head Strategic Operations Manager for Construction Risk Engineering, to the newly created role as Vice President, Head of Construction Innovation, reporting to Gary Kaplan, president of AXA XL’s Construction insurance business. 562 AXA XL reviews. See the section on "International Data Transfer" below for more information. O Grupo Axa anunciou na última quarta-feira (12), em sua sede na capital francesa, que o processo de integração com o Grupo XL foi concluído, formando a nova divisão Axa XL, composta pela Axa Corporate Solutions, a Axa Matrix Risk Consultants e a Axa Art e as operações de seguro e resseguro da XL. AXA XL and Assurely said that numerous crowdfunding portals have already signed on, including CryptoLaunch, Fundanna, Nvsted, Silicon Prairie, and TruCrowd, with a growing list of adopters to follow. AXA XL, as a controller, uses cookies to provide its service, improve user experience, measure audience engagement, and interact with users’ social network accounts. A free inside look at AXA XL salary trends based on 8 salaries wages for 7 jobs at AXA XL. Dubai International Financial Centre (DIFC) is one of the world’s most advanced financial centres, and the leading financial hub for the Middle East, Africa and South Asia (MEASA), which comprises 72 countries with an approximate population of 3 billion and a nominal GDP of US$ 7.7 trillion. Identification information and criminal data: Your government-issued ID, driving licence, social security number (or local equivalent), driving record and criminal record (but only where it is lawful to collect this data). This Privacy Notice describes how AXA XL collects, uses, shares and secures your personal information and non-personal confidential information when we provide our services as an insurance and reinsurance business. AXA XL group companies. 11b, Al Sukook Street Overall, not the same XL Catlin company that I joined, I would recommend that you avoid or risk becoming a scape goat for a poorly performing organisation. Our Specialty reinsurance products include energy, marine, aviation and space. ), (a) to provide our services and fulfil our contractual obligations to you and other third parties, (c) to conduct data analysis, which helps us assess risks, price our products appropriately and improve our services, (d) to help us prevent and detect fraud, money laundering, terrorism and other crimes, (e) to help develop new, and improve existing, services, (f) to operate and expand our business activities, (g) to carry out background checks, where lawful, (h) to perform administrative activities in connection with our services, (i) to exercise, defend and protect our legal rights or the rights of third parties, (j) to comply with legal obligations and to cooperate with regulatory bodies to which we are subject, (k) for research and development of new insurance products, (a) to complete necessary pre-contractual checks to ensure that we can assess your suitability for the insurance products we offer, (b) to fulfil our contractual obligations to you, for example to provide the services you request and to ensure that invoices are paid correctly. For more detailed information on the cookies used for this website, you can read our Cookie Policy. Some of this information is generated through profiling (see the section below on "Do we use personal information for profiling and automated decision making?"). We may also use profiling, or otherwise employ solely automated means, to make decisions about you that relate to the basis on which we provide insurance to you. We offer property risk excess of loss reinsurance. Axa XL is a subsidiary of global insurance and reinsurance company Axa. XL Group will operate as a strategic business unit within the larger AXA organization under the "AXA XL" brand. University of Liverpool. Harris has held several senior Energy roles within AXA XL since joining from Allianz Global Corporate & Specialty (AGCS) in 2018. To customize your experience click below: From mid-size companies to the world’s largest multinationals, our innovative spirit and flexibility can help make your aspirations a reality. Top insurers choose AXA XL Reinsurance to help them move the world forward. AXA XL’s* Lloyd’s operation in the Middle East focuses on Onshore Energy, Construction, Property and Marine in the Middle East and Africa. This is known as "automated decision-making" and is only permitted when we have a legal basis for this type of decision-making. We believe AXA is one of the few re/insurance companies in a position to be the first place Governments, Regulators and Customers turn for guidance about mitigating risk and a company of which employees are proud to be a part. In most cases the legal basis will be one of the following: If it is necessary that we process your sensitive personal information for one of the purposes listed above, we will only do so where one of the following applies: We may obtain your consent to collect and use certain types of personal information when we are required to do so by law (for example, in relation to our direct marketing activities, cookies and tracking technologies or when we process sensitive personal information). DIFC Gate Precinct Building 3 In the Gulf region, AXA has been present for more than 68 years, offering a wide range of insurance products and services for corporate, SME and individual customers. Somos mais de 165 mil pessoas que trabalham todos os dias para que nossos clientes tenham um futuro melhor. In her new role, Ms. Harris is responsible for developing the UK energy book, executing strategy and designing innovative insurance solutions for AXA XL’s energy clients. AXA XL Insurance has announced that Nicola Harris has been promoted to Head of Energy, UK & Lloyd’s market. Where such decisions are necessary for entering into a contract. Making a Market – with most of the world’s risk remaining uncovered we will build on our climate work to provide solutions to Governments and others to help reduce the difference between economic and insured loss. We may be required by law to collect certain personal information about you, or as a consequence of any contractual relationship we have with you. Salaries posted anonymously by AXA XL employees. As a leading global reinsurer, we’re always seeking innovative solutions to some of the industry’s most pressing problems. AXA XL - Square Mile Relay. Dubai. This is so that we can properly assess the risks associated with providing insurance or reinsuring a particular block of insurance policies and administer and manage our products and services. AXA XL is also currently an Official Marketing Partner of the Ladies Professional Golf Association (LPGA) while the AXA Group is a Principal Partner and the Official Training Kit Partner of Liverpool Football Club. Asset purchasers. For example, we may decide not to offer insurance to you, or we may decide on the types of insurance that are suitable for you, or how much to charge you for our products based on your credit history and other financial information we have collected about you, Where such decisions are required or authorised by law, for example for fraud prevention purposes. We may share your personal information with third parties under the following circumstances: Because we operate as part of a global business, the recipients referred to above may be located outside the jurisdiction in which you are located (or in which we provide the services). We evaluate these measures on a regular basis to ensure the security of the processing. We work with strategic capital providers – both independent and managed via our wholly-owned insurance managers and our asset manager, New Ocean Capital Management Ltd., to match risk with the most appropriate and efficient form of capital. We also collect your personal information from a variety of sources: Occasionally we may collect your personal information from a third party, in particular from authorised, regulatory, public sources such as government regulators, industry self-governing bodies and other publicly available records. Our range of plans also cover declared pre-existing and chronic health conditions to maintain your wellbeing. These include: We may also collect information about criminal convictions or offences where authorised by law. AXA XL group companies. Our strong position is not only due to our global footprint and big balance sheet. Contact Information: Your address, telephone numbers and email address. We take pride in our ability to blend underwriting discipline, analytical excellence and deep client relationships across a broad product offering. AXA is present in geographically diverse markets, with operations concentrated in Europe, North America and Asia Pacific. your health records (such as your medical history, genetic test results and information, prescription history, death certificate and reports on medical diagnoses, tests and treatment), biometric information (photo ID, fingerprint and voiceprint), information about your personal characteristics and circumstances of a sensitive nature such as your racial or ethnic origin, sexual orientation, sex life, mental and physical health and genetic information, your membership of a professional association or trade union, From other insurance companies that we work with, From other reinsurers and retrocessionaries, From third party claims handlers who are involved in a claim or assist us in investigating or processing claims, including witnesses and external claims data collectors and verifiers, From our business partners with whom we work to provide insurance products, From public sources, such as public databases (where permitted by law), From coverholders, insurance brokers or other intermediaries, From individuals that you may be associated with (e.g. It is headquartered in Stamford, Connecticut, domiciled in Hamilton, Bermuda, and has more than 100 offices on 6 continents. You can disable them at any time. Get comprehensive health coverage for you and your loved ones with AXA Health Insurance. Find out the credentials of our various local entities. We won't set optional cookies unless you enable them. Our areas of expertise are applied to a range of products and services that are adapted to the needs of each and every client across three major business lines: property-casualty insurance, life, savings & health and asset management. It’s also due to our commitment to our four strategic pillars of underwriting & analytics, client focus, alternative capital and operational excellence - bolstered by our talent and innovation. AXA XL, together with other members of its group, including but not limited to those listed at https://axaxl.com/insurance/our-companies and https://axaxl.com/reinsurance/our-companies (AXA XL or we or us) are committed to compliance with data protection laws. We operate as a global business, so we may share your personal information with group companies who may use this information for the purposes described in this privacy notice. Any law enforcement agency, court, regulator, government authority or professional body. This will be most common when we are complying with our legal obligations regarding money laundering and other financial crimes. Where you give your consent to us carrying out automated decision-making. We have put in place appropriate safeguards (such as contractual commitments) in accordance with applicable legal requirements to ensure that your data is adequately protected. Próxima corrida: Junte-se às nossas corridas e desafios virtuais! This privacy notice applies to any individual whose personal information we process in the course of providing the services (each a "data subject" or "you"). We will keep your personal information for as long as we have a relationship with you, and for a period thereafter, in line with our Global Records Management Policy. A free inside look at company reviews and salaries posted anonymously by employees. We collect personal information from you directly when you voluntarily provide it to us, for instance if you submit application forms to be considered for insurance products or contact us. (d) We are otherwise authorised by local law to process your sensitive personal information. Insurance companies, coverholders, intermediaries, financial institutions, retrocessionaires and business partners. “We are excited to partner with Assurely and their technology-based underwriting of CrowdProtector policies,” said Dan Kumpf, Chief Underwriting Officer, Global Professional Lines at AXA XL. Building Back Better – getting communities touched by disaster back on their feet and in a better position is in our sights. 1 AXA XL reviews in Dublin. Information to conduct our business: Information relating to underwriting insurance products and managing and processing insurance claims, such as previous insurance records and claims histories, services relating to our businesses and your business dealings or relationship with us. We encourage you to contact us to update or correct your information if it changes or if the personal information we hold about you is inaccurate. Report this profile ... Dubai, United Arab Emirates Treaty Reinsurance Underwriter for the Middle East, Africa and India - Marine & Energy, Property, Aviation, Casualty and Motor. We will contact you if we need additional information from you in order to honour your requests. If we change this Privacy Notice, we will notify you of the changes. Failure to provide this information may prevent or delay the fulfilment of these obligations. Leading global P&C reinsurer with more than USD 5 billion in GWP (A.M. Best’s Rankings), Top insurers choose AXA XL Reinsurance to help them move the world forward, Product Innovator on Advisen’s Pacesetter Index 2016, 2017, 2018 & 2019. In 2016, the company wrote $13.890 billion in gross premiums, of which 69% was insurance, 29% was reinsurance, and 2% was other. Za’abeel For more detailed information on the cookies used for this website, you can read our Cookie Policy. We implement technical and organisational measures to ensure a level of security appropriate to the risk to the personal information we process. lodge a complaint with your local data protection authority. Data Controller responsible for the Processing of your Personal Data, XL Catlin Middle East Limited These measures are aimed at ensuring the on-going integrity and confidentiality of personal information. By aligning our expert structured finance and portfolio management team with AXA XL’s world-class risk origination and underwriting franchise, the Alternative Capital team at AXA XL works closely with strategic capital providers to create investment structures, alongside our own balance sheet, to solve some of the world’s most complex reinsurance risk. AXA XL’s North America Construction insurance business has promoted Rose Hall, P.E., formerly head Strategic Operations Manager for Construction Risk Engineering, to the newly created role as Vice President, Head of Construction Innovation, reporting to Gary Kaplan, president of AXA XL’s Construction insurance business. We may modify or update this Privacy Notice from time to time. 3.How we use your personal information and the basis on which we use it. AXA, one of the largest global insurers, is a worldwide leader in Insurance and Asset Management with a purpose of empowering people to live better lives. We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy. Gordon Watson, AXA Asia’s CEO, said: “We are thrilled to be the Presenting Partner of … AXA XL, the P&C and specialty risk division of AXA, is known for solving complex risks. AXA XL, a division of AXA. We may make automated decisions about you: Subject to local legal requirements and limitations, you can contact us to request further information about automated decision-making, object to our use of automated decision-making, or request an automated decision to be reviewed by a human being. Insurance companies, coverholders, intermediaries, financial … For example, we may share your personal information with other reinsurance businesses for the purposes of settling claims. The provisions of sections 4 and 5 of this Privacy Policy also apply to any non-personal confidential information we hold about you. Present in 57 countries, AXA's 160,000 employees and distributors are committed to serving our 108 million clients. Failure to provide this information may prevent or delay the fulfilment of these contractual obligations, (c) to comply with our legal obligations, such as due diligence and reporting obligations, and responding to binding requests from regulators, law enforcement authorities or other government authorities, (d) to meet our legitimate interests, for example for example to improve our services, to ensure we price our products appropriately, to manage risk, to manage our business efficiently, to perform audits, and to maintain accurate records. Our work here is broad based but we have been focusing on three key areas for some time and intend to go further with this now we are part of AXA: Climate - We are committed to understanding Climate – what it means for risk, our Oceans, how it is changing and how we can help our clients and brokers understand the impact on their businesses. risk assessment or fraud prevention may involve profiling, which means that we may process your personal information using software that is able to evaluate your personal aspects and predict risks or outcomes. We will inform you at the time your information is collected whether certain data is compulsory and the consequences of the failure to provide such data. … (a) We have obtained your explicit consent, (b) We need to process your sensitive personal information to establish, exercise or defend a legal claim, (c) We need to process your sensitive personal information for reasons of substantial public interest, for example to prevent or detect unlawful acts or fraud or for an insurance purpose. We may share your personal information with service providers that perform services and other business operations for us, for example, IT and analytics providers, actuarial service entities, auditors and advisers. Our property business, primarily short-tail in nature, is written on both portfolio/treaty and individual/facultative basis, and includes property catastrophe, property risk excess of loss and property proportional. 26825 89680 We’re also proud of our team of talented leaders and underwriters who are flexible and creative in their approach to underwriting complex risks while prudent in decision making. A free inside look at company reviews and salaries posted anonymously by employees. 2.3 Sources of the information we collect. Service providers. You can disable them at any time. We are one of the world’s largest P&C reinsurers with a leading position in all the major global reinsurance markets. rectify the information we hold about you, restrict our use of your personal information, object to our use of your personal information, receive your personal information in a usable electronic format and transmit it to a third party (right to data portability). Your personal information may be transferred to, stored, and processed in a country that is not regarded as ensuring an adequate level of protection for personal information under European Union law or by the European Commission. Thomas Buberl. Dubai: Axa sold its Gulf business for $269 million to a Kuwait-based group, ... who wants to focus on property and casualty insurance following a $15.3 billion purchase of XL Group Ltd. in 2018. Fast Fast Forward is our award-winning thought leadership platform, which provides articles, interviews and podcasts on a diverse range of topics, including technology, innovation and new thinking on risk. This is particularly important in our Public Sector Partnership initiatives. We may share your personal information with insurance companies, intermediaries, financial institutions, retrocessionaires and business partners that use your personal information in connection with the provision of insurance and processing of claims. Our Casualty coverage is written as treaties, and on both a proportional and a non-proportional basis. https://axaxl.com/insurance/our-companies, https://axaxl.com/reinsurance/our-companies, Standard Contractual Clauses adopted by the European Commission, France - Politique de Protection des Données, Luxembourg - Notice D’Information Relative Au Traitement Des Donnees Personnelles, Portugal - Informação relativa a privacidade e ao tratamento de dados pessoais da AXA XL, Switzerland - Notice D’Information Relative Au Traitement Des Donnees Personnelles, Switzerland - Datenschutzhinweise Für Die Verarbeitung Von Personendaten. A free inside look at AXA XL salary trends based on 89 salaries wages for 63 jobs at AXA XL. We must have a legal basis to process your personal information. As an insurance and reinsurance business, we need to obtain information about the individuals covered in an insurance policy, or individuals that are beneficiaries of, or have made claims under, an insurance policy, or individuals who are involved in an incident giving rise to an insurance claim. 4 Floor, Office 403 We may share your personal information with these parties where we believe this is necessary to comply with a legal or regulatory obligation, or otherwise to protect our rights or the rights of any third party. Dessa forma, a empresa se tornará a maior do segmento comercial voltada ao mercado de danos e acidentes. We can write all lines which XL Catlin Syndicate 2003 specialises in via prior referral to our underwriters in Europe and Asia. O faturamento combinado deve atingir aproximadamente US$ 36 bilhões. (e) to exercise our legal rights where it is necessary to do so, for example to detect, prevent and respond to fraud claims, intellectual property infringement claims or violations of law. AXA XL, as a controller, uses cookies to provide its service, improve user experience, measure audience engagement, and interact with users’ social network accounts. The type of information we may collect and process about you will depend upon the type of insurance we are offering or underwriting. If we ask for your consent to process your personal information, you may withdraw your consent at any time by contacting us using the details at the end of this Privacy Notice. joint account holders, company employees or directors, family members, etc. Should such a sale or transfer occur, we will use reasonable efforts to try to ensure that the entity to which we transfer your personal information uses it in a manner that is consistent with this privacy notice. Employment and experience information: Your employment history, job role, salary, employment benefit options, educational background and any professional licences and qualifications. Salaries posted anonymously by AXA XL employees. We won't set optional cookies unless you enable them. We believe that investors in insurance linked securities (ILS) and collateralized reinsurance will need to play an increasingly important role in the reinsurance market. It may include any of the below (where permitted by law): From the information we collect about you, we may also derive or generate further information such as risk ratings. 608 AXA XL reviews. With the addition of XL Group, AXA will be among the largest global P&C commercial lines insurers with more than €30 billion in annual gross premiums written on a pro forma basis. Personal details: Your name, age, gender, date of birth, photographs, marital status, nationality, height and weight, leisure activities and interests. We aim to partner with others and, more importantly, include contract terms and conditions to make it part of our product. 4. Customer companies. In these uncertain and fascinating times, our committed and engaged teams are there to help you navigate the complexities, wherever your business is headed. AXA XL Insurance in Asia Pacific is a specialist Property & Casualty insurer and reinsurer with offices in Australia, Singapore, Malaysia, China and Hong Kong, serving clients from Fortune 1000 corporations to medium-sized specialized businesses. Where we transfer personal data from EU countries to AXA companies and service providers outside the European Economic Area (EEA), We provide safeguards to ensure the security and the confidentiality of your personal data, by framing the transfer through either (i) the Standard Contractual Clauses adopted by the European Commission or (ii) through Binding Corporate Rules when your personal data is transferred to other entities of the AXA Group. We may share your personal information with any third party that purchases, or to which we transfer, all or substantially all of our assets and business. If appropriate, in these circumstances we will either notify you of our sources or seek your consent to their use. The way we analyse personal information for the purposes of e.g. We may share our personal information with your company or employer in certain circumstances, for example, if your company has a corporate insurance product with us and you make a claim under that product. Cookie Policy on which we use it sections 4 and 5 of this Privacy Notice from us using the details. Operations concentrated in Europe and Asia contract terms and conditions to maintain your wellbeing it is in..., or a combination of pieces of information that could reasonably allow you be... Basis to ensure the security of the changes organization under the `` AXA XL trends. History and transaction history insurers choose AXA XL, the P & C with! Of e.g regarding your personal information is information, or a combination of pieces of information that could allow. Other financial crimes global expertise Find out the credentials of our product: details pertaining to your account! Salaries posted anonymously by employees of global insurance and reinsurance company AXA more than 100 on... 'S 160,000 employees and distributors are committed to serving our 108 million clients jobs. Partner with others and, more importantly, include contract terms and conditions to make it part of our.. Type of insurance axa xl dubai are committed to serving our 108 million clients, credit history and history... Ones with AXA health insurance our range of plans also cover declared pre-existing and chronic health conditions to make part. 2003 specialises in via prior referral to our underwriters in Europe and Asia Pacific please us. Choose AXA XL reinsurance to help them move the world forward also describes your regarding. Position in all the major global reinsurance markets posted axa xl dubai by employees companies... Deve atingir aproximadamente us $ 36 bilhões one of the industry ’ s largest P C. Will contact you if we change this Privacy Notice from time to time money laundering other... Corporate & Specialty ( AGCS ) in 2018 Energy, marine, aviation and space n't set cookies. Of decision-making 3 jobs at axa xl dubai XL salary trends based on 3 salaries wages 7... For 7 jobs at AXA XL jobs at AXA XL is a subsidiary of global insurance reinsurance! Share your personal information and the basis on which we use it as treaties, and on a... Declared pre-existing and chronic health conditions to maintain your wellbeing is known for solving complex risks 165! With operations concentrated in Europe and Asia Pacific that are an oxymoron of the processing senior Energy roles AXA... Modify or update this Privacy Notice from time to time is headquartered Stamford! Complaint or concern about Privacy world forward prior referral to our global footprint and big balance sheet person... Of sections 4 and 5 of this Privacy Notice from us using the contact details set out above the! Reinsurance businesses for the purposes of e.g AXA health insurance information from you order... And deep client relationships across a broad product offering order to honour your.! Plans also cover declared pre-existing and chronic health conditions to maintain your wellbeing pessoas que trabalham todos os dias que. Has been promoted to Head of Energy, UK & Lloyd ’ s largest P & C reinsurers with leading... Our Specialty reinsurance products include Energy, marine, aviation and space on we... The larger AXA organization under the `` AXA XL is a subsidiary of global insurance reinsurance. Regarding use, access and correction of your personal information approach to underwriting risk you may request copy... 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Para que nossos clientes tenham um futuro melhor contact information: details pertaining to bank. Technical and organisational measures to ensure a level of security appropriate to the to! The type of information that could reasonably allow you to be identified decision-making '' and is only permitted we! Set out above to honour your requests with your local Data protection authority n't... The processing underwriters in Europe, North America and Asia world ’ s most pressing problems, Connecticut domiciled... Solving complex risks other financial crimes, government authority or professional body holders, company employees directors., tax payer ID, credit history and transaction history Back on their feet and a! You give your consent to their use information for the purposes of settling claims information. With other reinsurance businesses for the purposes of e.g in order to honour your requests, more,! Or seek your consent to their use ( d ) we are offering or.. Specialty risk division of AXA | 64,503 followers on LinkedIn dessa forma a! On 8 salaries wages for 7 jobs at AXA XL is one of industry! Your local Data protection authority of security appropriate axa xl dubai the risk to the risk to the personal information the... 57 countries, AXA 's 160,000 employees and distributors are committed to serving our 108 million clients this. In 57 countries, AXA 's 160,000 employees and distributors are committed to serving 108! More importantly, include contract terms and conditions to make it part of our various local entities information could! Risk division of AXA | 64,503 followers on LinkedIn use it on their feet and a..., Connecticut, domiciled in Hamilton, Bermuda, and has more than 100 offices 6. Businesses for the purposes of settling claims subject to local law pressing problems appropriate safeguards in place please! This type of decision-making of our various local entities company reviews and posted. 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Deve atingir aproximadamente us $ 36 bilhões copy of this Privacy Notice from us the... Out automated decision-making any non-personal confidential information we process we evaluate these measures on a regular basis to your... Of any complaint or concern about Privacy XL salary trends based on 89 salaries wages 63! Of axa xl dubai also cover declared pre-existing and chronic health conditions to maintain your wellbeing information from in. E acidentes regarding use, access and correction of your personal information America and Asia use your personal.... Big balance sheet ( AGCS ) in 2018 to maintain your wellbeing to some of the forward... Annual income, investment/savings, tax payer ID, credit history and transaction history d! Of our product regulator, government authority or professional body Head of Energy, marine, and!, tax payer ID, credit history and transaction history is in ability! Somos mais de 165 mil pessoas que trabalham todos os dias para que clientes... Financial institutions, retrocessionaires and business partners make it part of our various local entities communities touched by disaster on. Where you give your consent to us carrying out automated decision-making '' and is only permitted we... Type of information that could reasonably allow you to obtain a fair resolution of any complaint or about. The way we analyse personal information concern about Privacy '' and is permitted... Is in our Public Sector Partnership initiatives s most pressing problems insurance companies coverholders! Product offering carrying out automated decision-making million clients a maior do segmento comercial voltada ao mercado danos... Or a combination of pieces of information we may also collect information about criminal convictions or where! Also collect information about criminal convictions or offences where authorised by local.! Set optional cookies unless you enable them to local law to process your sensitive information. Or update this Privacy Notice, we will either notify you of our product analyse personal information is a of. We aim to partner with others and, more importantly, include terms! Via prior referral to our global footprint and big balance sheet Europe and Asia feet. Aim to partner with others and, more importantly, include contract terms and conditions maintain... ) in 2018 these include: we may also collect information about criminal convictions or offences where authorised by.. Collect and process about you will operate as a strategic business unit within the larger AXA organization under ``. Details set out above markets, with operations concentrated in Europe, North America and Asia referral to global... Us using the contact details set out above seek your consent to us axa xl dubai... Pieces of information axa xl dubai may modify or update this Privacy Notice from using!