This privacy policy (the “Policy”) applies to information collected by Anthea Insurance Limited (“Anthea”, “the Company”, “we”, “our”, or “us”) through our website at https://www.anthea.com (the “Website”).
This Policy outlines how we collect, use, disclose, and safeguard personal information provided to or obtained by us. It also explains your rights regarding this information, including access, correction, deletion, or modification of your data within our systems. We are committed to ensuring the privacy and security of all individuals whose data we process, including prospective customers, current customers, and claimants, in compliance with applicable privacy and data protection laws.
This Policy applies to information you provide through your use or potential use of the Website, or when requesting information from us. This includes any data that identifies or could be used to identify you, directly or indirectly (“Personal Information”).
For the purposes of data protection laws, Anthea is the data controller and is responsible for ensuring that we, our partners, and third-party service providers process your data in accordance with applicable law.
We may update this Privacy Policy from time to time. If any significant changes are made, we will post a prominent notice on the Website. This policy was last updated in July 2025.
How We Collect Data
A. Directly from Users
We collect Personal Information you voluntarily submit via the Website—through online forms, email, or other means. This includes information provided when you request details about our services, submit press inquiries, or contact us for other purposes.
B. Automatically
We may use cookies and tracking technologies to automatically collect Personal Information when you interact with the Website, our applications, or sponsored content on social media and advertising platforms.
The Data We Collect
We may collect and process the following types of Personal Information, either with your consent or as permitted by applicable laws:
· Personal Identification Data: Name, date of birth, nationality, physical address, and/or email address
· Formal Identification Documentation: Government-issued IDs or other documents needed to meet legal obligations (e.g., anti-money laundering laws)
· Technical Data: IP address, browser type, and device details
· Behavioral Data: Pages visited and time spent on each page
· Usage Data: Authentication data, security questions, public social media posts, and other cookie-based information
· Correspondence Data: Information provided to our support team
If you begin an application or hold an insurance policy with us, we collect additional information needed to evaluate eligibility, underwrite the policy, and fulfill legal and regulatory obligations. This may include Personal Information about applicants, insured parties, and beneficiaries. Where legally required, we will provide specific notices and obtain consent at the time of collection.
Data Usage and Storage
A. Usage
We use your Personal Information to operate the Website, respond to inquiries, and fulfill specific requests. We may also use it:
· To provide updates on our products, services, features, and improvements
· To manage and maintain your user account
· To conduct analytics and optimize the platform
· To perform risk assessments, onboarding, and customer service
· To verify identity, conduct due diligence, and screen for adverse media in line with anti-money laundering obligations
· To comply with applicable laws, regulations, and regulatory requests
· To meet obligations to relevant tax authorities or other government bodies
We process your data based on your explicit consent, and where necessary to:
· Fulfill legal and regulatory obligations
· Establish, exercise, or defend legal claims
· Carry out legitimate business activities related to the above purposes
B. Storage
We retain Personal Information as long as necessary to provide requested services and address your inquiries. Thereafter, we may retain it as required under internal policies or applicable laws, to resolve disputes, or enforce rights. Data relevant to ongoing investigations or disputes will be retained until resolution.
Sharing of Data
We do not sell your Personal Information. We may share it without your permission when permitted by law, to support our services, maintain the Website, or meet legal requirements. This includes disclosure to law enforcement, regulators, or auditors.
We may share your data with individuals or entities directly related to your use of our services—such as agents, brokers, intermediaries, or financial advisors.
Third-party service providers may also receive your data to assist with underwriting, know-your-client, anti-money laundering, anti-terrorist financing, audits, and tax filings. These providers are contractually obligated to protect your information and use it only for authorized purposes. For more information about third-party service providers, please Contact Us.
Cookies Policy
A cookie is a unique code sent to your system when you visit our Website. Your browser or device stores this data until it expires. Cookies help distinguish you from other users, track preferences, and improve your experience.
A. Cookies We Use
· Strictly Necessary Cookies: Essential for basic Website functions such as form submission, navigation, login, security, and load balancing. These are session-based and temporary.
· Optional Cookies:
o Performance Cookies: Used to analyze user activity via third-party services like Google Analytics (GA4) and Heap Analytics
o Functionality Cookies: Remember your preferences (e.g., language or region)
o Targeting Cookies: Track your interests on our Website and across others. We use tools such as Google Ads Pixel, Typeform Submit, and LinkedIn Insight Tag
B. Cookie Storage
Session cookies (strictly necessary) expire when you close your browser. Optional cookies are persistent and expire after a set period.
C. Opting Out
By using our Website, you consent to our use of cookies. You can change or withdraw consent at any time. To opt out of Google Analytics tracking, please visit https://tools.google.com/dlpage/gaoptout. Some Website features may be unavailable if you disable cookies.
D. Updates
We may update our cookie policy to reflect operational, legal, or regulatory changes. You can always review the latest version on our Website. This policy was last updated in July 2025.
Children’s Privacy
Anthea does not knowingly collect Personal Information from individuals under the age of 13, nor are our website and services intended for use by children. In limited circumstances, Personal Information pertaining to individuals under 13 may be collected solely for lawful and contractual purposes—such as when a minor is designated as an insured person or beneficiary under a life insurance policy. In such cases, data is processed strictly to fulfill legal, regulatory, and administrative obligations associated with the policy.
User Rights
You have the following rights under applicable data protection laws:
· To be informed about how your data is processed
· To withdraw consent to data processing
· To correct or complete inaccurate or incomplete data
· To object to or restrict data processing
· To request data deletion
· To lodge a complaint if your data protection rights are violated
Withdrawing your consent to the processing of your Personal Information does not affect the lawfulness of any processing carried out prior to your withdrawal. Additionally, we may continue to process your data if we have another lawful basis for doing so. Please note that, even if you request erasure, we may be legally required to retain certain Personal Information for a minimum period to comply with applicable laws and regulations.
You may exercise your rights by Contacting Us. You may also have the right to file a complaint with your local data protection authorities, where applicable.
You always have the right to file a complaint to the Bermuda Office of the Privacy Commissioner. You may review your rights under the Personal Information Protection Act 2016 of Bermuda or searching the Bermuda Privacy Commissioner’s website at www.privacy.bm.
Contact Us
For questions or concerns about this Privacy Policy, please Contact Us.
