Worldwide Legal Notice
CORPORATE DETAILS
MIC GLOBAL
Office: MIC Global, Haywood House, The Valley, Anguilla, British West Indies
Web Usage Agreement
Please read these terms and conditions carefully. By clicking “I agree” below, you agree to comply with and be bound by these important legal terms and conditions. If you don’t agree, you will be unable to access any information contained on the MIC Global (“MIC”) website. The MIC website is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of the MIC website is prohibited. Persons in respect of whom such prohibitions apply must not access the MIC website.
The information provided on the MIC website is intended solely for the use of insurance professionals and intermediaries and is not aimed at the ultimate purchaser of any products or services. By checking the box and entering the MIC website, you acknowledge and certify that you are a professional advisor or intermediary who has such knowledge and experience in financial and business matters that you are capable of evaluating the merits and risks of the information provided on this website.
The information contained on the MIC website does not constitute, and should not be construed as a solicitation or offer, or recommendation, to acquire any insurance, product or services or to engage in any other transaction. The information on the MIC website is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or would subject MIC or any of its affiliates to any registration requirement within such jurisdiction or country.
The products and services as described on this website can only be offered and sold in those jurisdictions where they may be lawfully offered and sold and where no registration requirements apply and in any event will only be sold on a private placement basis since they are not suitable for retail or unsophisticated purchasers.
Each prospective purchaser of any of our products or services should consult his or her own legal counsel, accountant or other professional advisor for advice concerning the various legal, tax and economic considerations relating to MIC’s products and services and insurance generally. The information on the MIC website is provided for information only and should not form the basis of any insurance decision. While MIC has taken all reasonable care to ensure that the information on its website is accurate as at the date of its publication, MIC does not warrant the accuracy, completeness or timeliness of such information, and neither MIC nor any of its affiliates, directors, officers, employees or agents accepts any liability to any person or entity who relies upon such information for any direct, indirect, special, consequential, punitive or incidental damages or any other damages or losses of whatsoever kind. Furthermore, neither MIC nor any of its affiliates accepts any responsibility for any information contained in any third-party website accessed via a hypertext link from the MIC website. The content, accuracy and opinions expressed in such websites are not checked, analyzed, monitored or endorsed by MIC or its affiliates. Information accessed on this website is protected under applicable copyright laws. You may not copy, re-publish or re-distribute the information contained on this website for commercial purposes or gain, without the prior written approval of MIC.
The MIC website contains names and logos, which are trademarks of MIC and/or its affiliates. Any use of any of these names and logos would, without prior consent, constitutes an infringement of those trademarks and is thus forbidden.
MICology Solutions India Private Ltd and MICology Limited are part of the MIC Group of companies, for more information visit www.micology.com.
Privacy Policy
MIC Global creates insurance products that are designed to protect personal income and to help people during financial hardship or a time of inconvenience. A fundamental part of what we do is through trust and security, this means being clear about how we use your information and protecting your privacy.
This Privacy Policy explains how we collect, use data, and protect your personal information when you choose to subscribe to our services. This policy also explains how you can access the data we process and hold. Certain information about you will be disclosed to our Program Partners for the purposes of this insurance policy only.
By using this website, using our service, or enrolling into this insurance policy you consent to our collection and use of your personal information as required and necessary, and you agree to the practices described in this policy.
Where this policy mentions “MIC Global,” “we,” “us,” or “our,” it means MIC Global the company who is responsible for your information who also act as the “Data Controller” and “Data Processor”.
Where this policy mentions “You” and “your”, it means the person giving this consent, and a person who may be identified on any insurance policy that you apply for or obtain.
Where this policy mentions “service” and “services”, it may mean customer service, insurance services, or the services we offer on this website.
Why do we collect your personal information?
We collect personal information so you can use the services we provide. Without your personal information, we wont be able to provide all necessary services to you that we offer.
As an insurance 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. 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.
If you subscribe to our services we may use the information we collect to:
- to underwrite, or make available to you insurance or assistance products or services;
- to provide you with information or services for such products and services;
- to service and administer your insurance, assistance, or other products and services. This may include, for example: servicing and processing your policy or claims, conducting quality or satisfaction surveys and assessments, keeping electronic or audio records of our interactions and correspondence with you and documents sent and received; and fraud prevention;
- to arrange for the provision of services you request;
- to protect our legal rights or to respond to lawful requests by public authorities, including to meet national security or law enforcement requirements or as otherwise required by law; or
- for purposes to which you’ve otherwise consented.
- to improve our service.
Who collects and controls your personal information?
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. Failure to provide this information may prevent or delay the fulfilment of these obligations. You will be informed at the time.
MIC Global, as the Data Controller, refers to the entity which, alone or jointly with others, determines the purposes and means of the processing of personal data and the data is collected, the source of data collection, the reasons for its collection, and how it will be processed and used.
MIC Global, as the Data Processor, is the entity that processes personal data on behalf of the Data Controller. Processing includes the collection, analysis, recording, organization, storage, of personal data.
What information is collected?
We only save the collected personal information when you enrol into the insurance service. The information collected is considered necessary and legitimate. The information collected is solely for providing the services we provide.
We collect such information as your names, date of birth, email, contact number, home address, annual or monthly rental earnings, vehicle information, description of the incident leading to the loss, and images of your property. We may require additional information depending on the nature of the service or request, you will be notified at the time of the request.
We do not sell your data.
How do we collect your information?
Through voluntary disclosure you provide us with your personal information when you enrol to our insurance services. During the lifetime of our services, we may may ask you to provide us with additional information when you communicate with us or when you raise an insurance claim. You are not required by law to provide us your personal information when we are evaluating a claim or request, however, if you choose to decline the requested information, we may not be able to provide our service obligations which may results in claim dismissal.
When do we share your information?
We only use your personal information for legitimate purposes and to fulfil our service obligations. The way insurance works means that your information may be shared and used by several third parties in the insurance sector. For example, insurance agents or insurance brokers, reinsurers, loss adjusters, subcontractors, regulators, law enforcement agencies
When data is shared, all parties must manage information securely and in accordance with secure data processing obligations and privacy standards.
We may use your personal information for the following purposes:
Some of the information we may collect is described below and the use of your personal information.
| Processing Purpose | Personal Information That May Be Used |
| Insurance Policy Enrolment | Your name(s), email, date of birth, contact number, home address, annual or monthly rental earnings. |
| Customer Service | Your name(s), email, contact number, information relating to your query, and images. |
| Website Service | Performance Cookies |
| Insurance Claim | Your name(s), email, date of birth, contact number, home address, annual or monthly rental earnings, vehicle details, loss amount, supporting evidence such as, loss description and images of loss. |
| Regulatory Insurance Report | Home address, email address, annual or monthly rental earnings, loss amount, date of loss. |
This list is not definitive, the description of the information used may include less or additional information, and additional information may be required from time to time depending on the circumstances.
Your Rights
You have certain rights regarding your personal information, subject to local law. These include the following:
Right to Access. You may submit a request to access, the personal information that we have collected about you along with information about our data privacy practices.
Right to Delete: You may submit a request to delete your personal information, doing so may impact our services if not terminated.
Right to Correct: If you believe information we hold on you is inaccurate, you may submit a request to correct inaccuracies in your personal information held by us.
Right of Non-Disclosure: We will not discriminate against you for exercising your rights and choices, however, if you choose to decline our request for information, we may not be able to provide our service obligations which may results in claim dismissal.
Right to Portability: You have the right to receive your personal information in a usable electronic format.
For any questions or concerns relating to this privacy policy or our data protection practices or if you would like to exercise any of your rights as defined above, please contact us at: Email: privacy@micglobal.com
Non-personal information
We may automatically collect non-personal information about you such as the type of Internet browsers you use or the website from which you linked to our site. This information and it is only used to assist us in providing an effective service.
When you access our services, we may use cookies for website performance and monitoring purposes. We use Google Analytics to monitor this website, these services use cookies to transmit your IP address.
Information placed on your computer: We may store some information (commonly known as a “cookie”) on your computer when you look at our site. This information facilitates your use of our website and ensures that you do not need to re-enter your details every time you visit it. You can erase or block this information from your computer if you want to (your help screen or manual should tell you how to do this).
Automated decision making
The way we analyse information for the purpose of risk assessment or fraud prevention (may involve customer profiling), means that we access and process your personal information using software that is able to make evaluation and predictions, also known as “automated decision making”. Where there is a need and requirement for human intervention and evaluation, we use reasonable efforts to do so especially in high risk situations.
We may make automated decisions about you:
- 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 the type of risk under evaluation.
- Where such decisions are required or authorised by law, for example for fraud prevention purposes
- Where you give your consent to us carrying out automated decision-making.
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.
Artificial Intelligence (AI)
We may use AI systems and tools (including generative AI) to support our activities and for different purposes which we explain in more detail below.
Business Processes: We use AI to improve, simplify, and process our internal organisation operations. We may also use Ai to help us summarise information, review image and document form data, or translate information sent by you regarding a request or claim.
Customer Service: We use AI to answer questions you raise through text, chat, or voice call. We use AI to process image data or a document that may be shared to us relating to a claim or support request. We may use to enable us to provide you with a response which may be outside of our normal business operating hours.
Testing & Development: If we use information that has been shared by you for any testing or development of AI, we will anonymise your personal information and do so in accordance with local laws and regulations that protect your privacy. If we use information that has been shared by you for any testing or development of AI, we do so with the intention to provide you with better support and service.
When you are interfacing with an AI, we make it clear that you are doing so. When we process personal information or share your information with 3rd party companies we work with who are listed and named in this policy, we do so on the basis that we have a legitimate interest to do so, we put in safeguards to ensure that your privacy is protected.
Security
We have implemented software solutions and policies to safeguard information and maintain privacy.
We follow security procedures in the storage and disclosure of personal information in line with industry practices, including storage in electronic and paper formats.
Data Retention
We keep your personal details for no longer than is necessary in offering the insurance arranged or to comply with our legal or regulatory requirements. We will securely delete or erase your personal information if there is no valid business reason for retaining your data. In exceptional circumstances, we may retain your personal information for longer periods of time if we believe there is a prospect of litigation, in the event of any complaints or there is another valid business reason the data will be needed in the future.
Updates
We are required by law, to change or update this Privacy Policy and to keep it accurate and current as and when required.
Legal Notice Information
All copyright and other intellectual property rights in any material (including text, photographs and other images and sound) contained in this website are owned by MIC or have been licensed to MIC by the rights owner(s) so that MIC can use this material as part of this website. You are only allowed to use this website and the material contained in the website as set out below. If you wish to do anything else with any of the material you must obtain the written permission of the owner of the rights in that material.
This website contains trademarks, including this name and logo. All trademarks included on this website belong to MIC or have been licensed to MIC by the trademark owner(s) for use on this website. You are not allowed to copy or otherwise use any of these trademarks in any way except as set out below. If you wish to do anything else with any of the trademarks you must obtain the written permission of the owner of that trademark.
What you are allowed to do:
- You may access any part of the website to which access is open to all users
- Access to some parts of the Website is only possible by password. You may only access these parts of the Website if you have a valid password
- You may print off one copy only of any individual page for your own personal use, as long as you do not do any of the things set out under “what you are not allowed to do”
- Permission to use Documents from this website is granted, provided that:
- The copyright notice below appears in all copies and that both the copyright notice and this permission notice appear
- Use of such Documents from this Website is for informational and non-commercial or personal use only and will not be copied or posted on any network computer or broadcast in any media without the express permission of MIC
- No modifications of any Documents are made. Use for any other purpose is expressly prohibited by law
What you are not allowed to do:
- You are not allowed to copy (whether by printing off on to paper, storing on disk or in any other way), distribute (including distributing copies), alter or tamper with in any way or otherwise use any material contained in the website except as set out under “What You Are Allowed to Do”
- You are not allowed to copy or use any material from the website for any commercial purpose at all, unless agreed expressly with MIC
- You are not allowed to remove any copyright, trademark or other intellectual property notices contained in the original material from any material copied or printed off from the website
Disclaimer:
This website includes links to external websites. These links are provided in order to help you find relevant services which may be of interest to you quickly and easily. You are solely responsible for deciding whether any of these services are suitable for your purposes. MIC is not responsible for the suppliers of these services or the goods they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these.
It is a condition of using this site or trading with MIC that MIC bears no responsibility for any loss suffered by you, through our website or telecommunications becoming unavailable for any reason, but in particular because of faults with our telecommunications providers, Internet Service Providers or faults suffered by other infrastructure providers elsewhere on the Internet.
Changes to terms and conditions and disclaimer:
MIC may change the web terms and conditions and disclaimer set out above from time to time. By browsing this website you are accepting that you are bound by the current web terms and conditions and disclaimer and so you should check these each time you revisit the site.
Changes to operation of website:
MIC may change the format and content of this website (or any of its products or services offered via this website) at any time.
MIC may suspend the operation of this website (or suspend provision of any insurance products or services offered via this website) for support or maintenance work, in order to update the content or for any other reason.
MIC reserves the right to terminate access to this website (and to products and services offered via the website) at any time and without notice.
Data protection:
Personal details provided to MIC through this website will only be used in accordance with our privacy policy. Please read this carefully before proceeding. By providing your personal details to us you are consenting to its use in accordance with our privacy policy.
Complaints procedure:
If you have a question or complaint, please visit our Complaints page for further details
Cookie Policy
You can read about how we use cookies on this site
Intellectual Property Rights
The contents of these pages are copyright © 2025. The copying or incorporation into any other work of part or all of the material available on the web site in any form is prohibited save that you may:
- Print or download extracts of the material on this web site without modification for your personal use;
- Copy the material on this site for the purpose of sending to individual third parties for their personal information provided that you acknowledge us as the source of information and that you inform the third party that these conditions apply to them and that they must comply with them.
- MIC Global, the device symbol used in the MIC Global logo, NoQuibblz, the device symbol used as NoQuibblz logo, are trademarks of MIC.
How MIC Global uses browser cookies
What is a Cookie?
A cookie is a small text file that is stored on your computer or mobile device by a website which can subsequently retrieve or read the contents of that cookie. Each cookie is unique to your web browser and will contain some anonymous information, such as a unique identifier, and the site name. This allows a website to remember things like your preferences or account details.
You can find out more about cookies at www.allaboutcookies.org.
Controlling Cookies
You can control how your browser uses cookies, and your browser’s ‘Help’ function should be able to tell you how to do this. If you disable all cookies for this site you may find that parts of the site either do not function at all or behave unexpectedly.
Cookies on this website
Our site uses the following types of cookies:
- ‘Strictly necessary cookies’ that enable key basic features such as accessing secure areas or recording the contents of a shopping cart.
- ‘Functionality cookies’ which enhance your browsing experience by providing enhanced functionality, for example by storing your preferences.
- ‘Performance cookies’ that help us analyse the way the site is used and so allow us to improve it, giving you a better user experience.
How we use our cookies
We only use cookies to operate and improve our site.
We do not sell the information collected by our cookies or use our cookies to provide adverts. We only disclose the information collected by our cookies to third parties if we are legally obliged to do so (for example, where required to by government bodies and law enforcement agencies).
Opt out
If you would like to opt out of Performance or Functionality cookies used on this site, please review your browser’s cookie cache.
In order to store this preference, it is necessary to set cookies in your browser. If you clear your cookies or change your browser, and in any case after one year, the setting will be lost.