LEGAL NOTICES
MSH INTERNATIONAL

Website’s publisher:

MSH INTERNATIONAL MENA, a group of companies operating across the Middle East and North Africa region, conducts its operations through MSH International (Dubai) Ltd and its subsidiaries. The registered office of MSH International (Dubai) Ltd is at Unit 503, Level 5, Liberty House, Dubai International Financial Centre, PO Box 506537, Dubai, United Arab Emirates..

Tel: ++971 4 365 1315
compliance@msh-intl.com
Director of publication: MSH INTERNATIONAL (Dubai) Ltd.

Hosted by:

Sopra Steria Group
PAE Les Glaisins
3, rue du Pré Faucon
ANNECY LE VIEUX
74940 ANNECY
France
Tel.: +33140672929

COPYRIGHT NOTICE

All rights reserved © MSH INTERNATIONAL 2019. All contents of any nature (fixed or animated images, databases, trademarks, illustrations, logos, drawings, models, layouts, downloadable documents) contained in this website are protected as intellectual works by international copyright laws. Unless specified otherwise, these contents remain the sole property of MSH INTERNATIONAL. This means that under penalty of law, no part of the website may be reproduced, represented, adapted, partially or totally modified in any form or by any means without prior written permission.

Trademarks and logos reproduced on our website are registered. Any reproduction, republication or further distribution of trademarks and logos in whole or in part by any means without prior written permission is strictly prohibited.

APPLICABLE LAW

This website is governed by the laws of DIFC. Any litigation will be tried before DIFC courts.

DISCLAIMER

The information contained in this website is for general information purposes only. It is subject to change without notice by MSH INTERNATIONAL MENA.

MSH INTERNATIONAL MENA makes no warranty as to the accuracy of this content. Furthermore, MSH INTERNATIONAL MENA does not accept liability to any person for the information provided on this website or lack of detailed information.

MSH INTERNATIONAL MENA operates through the following entities, each licensed and regulated for the services they provide:

• MSH International (Dubai) Ltd, licensed and regulated by the Dubai Financial Services Authority (DFSA) in the Dubai International Financial Centre (DIFC) for the provision of Insurance Management;
• MSH International LLC, operating in the Emirate of Dubai and licensed and regulated by the Central Bank of the United Arab Emirates (CBUAE) for the provision of Medical Billing Services and Claims Settlement Services;
• Mobility Saint Honore International For Medical Insurance Claims Management LLC, operating in the Emirate of Abu Dhabi and licensed and regulated by the Central Bank of the United Arab Emirates (CBUAE) for the provision of Medical Billing Services and Claims Settlement Services;
• MSH International QFC LLC, licensed and regulated by the Qatar Financial Centre (QFC) for the provision of Medical Billing Services and Claims Settlement Services.

PRIVACY AND PERSONAL DATA PROTECTION

MSH International MENA conducts personal data processing actions required for your formal identification to access a secure area, for the issue of an insurance offering or policy, its management and monitoring and for compliance with regulatory requirements in the field of anti-money laundering and terrorist financing. In this respect, all of the data collected is mandatory.

The recipients of your personal data are:

• the risk carrier (insurer),
• the different entities making up MSH International MENA
• the service providers involved in the administration of the insurance policy across the world.

In this context, your data may be transferred to third countries outside your jurisdiction under safeguards guaranteeing an appropriate level of protection.

All processing of your data will be carried out in accordance with the UAE Federal Decree‑Law No. 45 of 2021 on the Protection of Personal Data, Federal Decree-Law No. 2 of 2019 Concerning the Use of Information and Communication Technology (ICT) in Health Fields, the DIFC Data Protection Law No. 5 of 2020, and the Abu Dhabi Healthcare Information and Cyber Security Standard (ADHICS), as applicable.

Your personal data will be stored for the length of time required by the administration service, as provided for by the applicable laws.

At all times, you benefit from rights over your personal data, including the right to:

• Access your data: Obtain information about the processing of your personal data and receive a copy.
• Correct your data: Request correction of inaccurate or incomplete personal data.
• Erase your data: Request deletion of your personal data when it is no longer required or permitted under applicable laws.
• Restrict processing: Request temporary limitation of the processing of your personal data.
• Object to processing: Object to processing for specific purposes, including direct marketing or profiling for marketing.
• Withdraw consent: Revoke consent for data processing where processing is based on consent.
• Data portability: Receive your personal data in a structured format or transfer it to another controller, when technically feasible.

To exercise your rights, contact the Data Protection Officer at the address above or via email at compliance@msh-intl.com

You have the right to file a complaint with the relevant data protection authority in the UAE or Qatar.

INFORMATION ABOUT COOKIES

MSH INTERNATIONAL MENA has produced this fact sheet to clarify how cookies are used on our website and to allow you to manage your consent. This fact sheet may be updated periodically for legal or regulatory compliance.

WHAT IS A COOKIE?

Cookies are small files that are placed and stored on your devices (computer, tablet, mobile phone, etc.) to allow us to gather information on how you browse our website.

WHAT TYPES OF COOKIES DO WE USE AND WHY?

These are the different types of cookies we use on our website for the following purposes :

• Functional cookies: Required for website operation and security; no consent needed.
• Preference cookies: Remember your language, country, and other preferences.
• Web analytics cookies: Help us improve the website experience; no consent required except where law mandates.
• Advertising cookies: Allow personalized ads based on browsing; require prior consent.
• Social network cookies: Enable content sharing buttons; placed by the social network if used; require prior consent.

WHO CAN PLACE COOKIES ON YOUR DEVICES ?

The above-mentioned cookies may be placed by us or by third-party partners, provided you have given your consent. This means that these third parties may have direct access to your browsing data. Below is a table showing the cookies placed on your devices and the corresponding third-party partners. We recommend reading their cookie policy directly on their website.

HOW LONG IS YOUR CONSENT VALID?

The duration of your consent depends on the particular cookie but under no circumstances can it exceed a maximum of 13 months.

WHAT ARE YOUR RIGHTS ?

This banner asked you to accept all of our cookies, reject them or customize how they are configured. An information banner was displayed when you visited our website.

You can manage your consent at any time by clicking here
 If you have any questions, please contact our data protection officer at compliance@msh-intl.com