Please carefully review this Privacy Policy, detailing how PFIS GROUP processes your personal data. This policy applies if you engage with PFIS GROUP services, indirectly benefit from them, or visit our website. By transferring personal data or visiting our website, you explicitly agree to the terms outlined in this Privacy Policy.

The document explains your legal rights concerning the handling of your personal information by PFIS GROUP. It operates alongside other notices, contractual clauses, and consent clauses relevant to the collection, use, and disclosure of your personal data by PFIS GROUP.

PFIS GROUP may update this Privacy Policy periodically to reflect legal changes or alterations in its business operations. The latest version is available on the PFIS GROUP website (www.pfisgroup.com/privacy), with the last update noted as of December 2023. We encourage you to regularly review our Privacy Policy for the latest information on our privacy practices. If a change requires your consent under applicable laws, PFIS GROUP will notify you and await your consent.

**1. Responsible Entity for Personal Information:**

PFIS GROUP, an international life insurance broker, designates responsible individuals based on geographical locations, including PFIS GROUP AG in Switzerland and PFIS GROUP Limited in Hong Kong.

**2. Acquisition of Personal Information:**

PFIS GROUP obtains basic personal information, provided by third parties with your consent, and then collects additional information directly from you. This includes data from sources such as medical examinations, credit agencies, public registers, your bank, and employer.

**3. Collected Personal Information:**

The information collected includes demographic details, identifiers, financial information, and details about your health. PFIS GROUP may also collect data through its website. It may collect, use, and disclose personal data without consent if permitted or required by applicable laws.

**4. Purpose of Collection:**

PFIS GROUP collects, processes, and discloses personal information for services, legal and regulatory compliance, service improvement, enabling insurers to provide quotations, and other related purposes. PFIS GROUP may use data for aggregated and anonymized statistics to analyze market trends.

**5. Sharing with Third Parties:**

PFIS GROUP may share personal information with affiliated companies, third-party service providers, and entities as legally required. In case of mergers or acquisitions, personal data may be transferred to the acquiring entity.

**6. International Data Transfer:**

Due to the global nature of PFIS GROUP services, your personal information may be transferred across borders. PFIS GROUP takes appropriate measures to ensure compliance with legal requirements.

**7. Data Security:**

PFIS GROUP employs various security measures to protect personal information. While no method is entirely secure, PFIS GROUP continually reviews and enhances its information security measures.

**8. Retention of Personal Information:**

PFIS GROUP retains personal data as long as necessary for the purpose for which it was collected and as required by legal or business obligations.

**9. Your Rights:**

You have the right to access, rectify, and erase your personal information. You can withdraw consent, restrict processing, object to processing, and request data portability. PFIS GROUP will respond promptly, verifying your identity in the process.

**10. Contact Information:**

For questions, concerns, or to exercise your rights, contact your Lead Consultant initially. Alternatively, reach out to PFIS GROUP Group DPO at info@pfisgroup.com, specifying the appropriate contact details based on your engagement location.

If you engaged PFIS GROUP in Switzerland:

Data Protection Officer, PFIS GROUP AG, Pilatustr 3, C/O Lagom, 63000 Zug, Switzerland, Email: info@pfisgroup.com.

If you engaged PFIS GROUP in Hong Kong:

Data Protection Officer, PFIS GROUP Limited, 17/F., Fung House, Nos. 19-20 Connaught Road Central, Hong Kong, Telephone: +852 9795 2340, Email: info@pfisgroup.com.