1. Introduction to Our Privacy Commitment

At KOT Insurance Company AG ("KOT," "we," "us," or "our"), we understand that trust is the foundation of our relationship with our clients. As a premier global insurance provider headquartered in Switzerland, we are steadfastly committed to protecting the privacy, confidentiality, and security of the personal and corporate information you entrust to us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data in compliance with the Swiss Federal Act on Data Protection (FADP) and the General Data Protection Regulation (GDPR).

2. Information We Collect

To provide you with highly customized risk management solutions and process claims efficiently, we collect the following categories of information:

• Personal Identification Data: Full legal names, dates of birth, national identification numbers, and contact details (addresses, emails, direct phone numbers).
• Financial & Asset Data: Corporate balance sheets, bank account details, credit history, property valuations, and asset inventories necessary for underwriting.
• Medical Information: For health and life assurance policies, we may securely collect medical history, wellness records, and treatment data, strictly with your explicit consent.
• Digital & Usage Data: IP addresses, browser types, and interaction metrics gathered through secure cookies when you utilize our Client Portal.

3. How We Use Your Data

We process your data strictly for legitimate business and regulatory purposes, including:

• Policy Administration: To accurately assess risk, formulate insurance portfolios, calculate premiums, and establish contracts.
• Claims Processing: To rapidly investigate, verify, and disburse capital for submitted claims.
• Regulatory Compliance: To fulfill Anti-Money Laundering (AML), Know Your Customer (KYC), and other international legal obligations.
• Service Enhancement: To improve our digital portals and provide you with relevant market intelligence and risk-mitigation advisories.

4. Data Security and Storage

KOT Insurance Company AG employs military-grade, end-to-end encryption to secure your data both in transit and at rest. All sensitive financial and medical data is stored on highly secure, compliant servers primarily located within Switzerland and the European Economic Area (EEA). We maintain strict internal access controls, ensuring that your information is only accessible to authorized underwriting, legal, and claims personnel who require it to perform their duties.

5. Sharing Your Information

We do not sell your personal or corporate data. We may only share your information with trusted third parties under strict confidentiality agreements, including reinsurers, specialized claims adjusters, medical professionals, and legal authorities when mandated by international law. Any cross-border data transfers are executed under rigorous adequacy decisions or standard contractual clauses to ensure your data remains protected.

6. Your Privacy Rights

Under applicable data protection laws (including GDPR and FADP), you reserve the right to:

• Request access to the personal and corporate data we hold about you.
• Request immediate correction of any inaccurate or incomplete information.
• Request the deletion of your data ("Right to be Forgotten"), subject to our legal retention obligations for financial records.
• Withdraw your consent for processing where consent is the primary legal basis.

7. Contact Our Data Protection Officer

If you have any questions, concerns, or wish to exercise your data privacy rights, please contact our dedicated global compliance team: