1. Introduction
This Privacy Policy describes how GUARANT Limited (“Guarant”, “the Company”, “we” or “us”) collects, uses, discloses and protects personal data. It applies to all personal data processed in connection with our reinsurance business, website, recruitment and supplier relationships.
The data controller is GUARANT Limited, Hamchako, Mutsamudu, Autonomous Island of Anjouan, Union of the Comoros. For enquiries relating to this policy or to the processing of your personal data, please contact privacy@guarantre.com.
3. Personal Data Collected
We may collect and process the following categories of personal data:
- Identification and contact data — name, address, email, telephone number, national identification or passport number where required for regulatory purposes.
- Professional data — job title, employer, professional qualifications, business contact details.
- Transactional data — information arising from reinsurance contracts, claims, payments and related correspondence.
- Technical data — IP address, device type, browser type and version, pages visited, referring URL.
- Sensitive data — only where required by law, regulation or the nature of the reinsurance contract (for example, health data in connection with life and health reinsurance claims).
4. Purposes and Legal Bases
We process personal data for the following purposes:
- To perform and administer reinsurance contracts with cedants, brokers and other counterparties.
- To manage relationships with suppliers, consultants and employees.
- To comply with applicable law, including AML/CFT and sanctions requirements.
- For legitimate business interests, including risk assessment, fraud prevention, internal audit and business development.
- Where you have given consent, for marketing communications or other specified purposes.
5. Cookies
Our website uses essential cookies that are necessary for the site to function correctly. With your consent, we may also use analytics cookies to understand how visitors use the site and to improve our content. A cookie notice is displayed on your first visit, allowing you to accept or decline non-essential cookies.
6. Disclosure
We may disclose personal data to the following categories of recipients, subject to appropriate confidentiality obligations:
- Retrocessionaires and co-reinsurers involved in the placement or administration of reinsurance contracts.
- Insurance and reinsurance brokers.
- External auditors and actuaries.
- Regulators, including the Anjouan Offshore Finance Authority (AOFA).
- Professional advisers (legal, tax, compliance).
We do not sell personal data.
7. International Transfers
Guarant operates from the Union of the Comoros and engages partners, service providers and counterparties in multiple jurisdictions. Where personal data is transferred internationally, we apply appropriate safeguards, including contractual protections, to ensure an adequate level of protection.
8. Retention
Personal data is retained for the duration of the relevant contractual relationship, any applicable statutory retention period, and any period necessary for the resolution of related disputes or regulatory enquiries. Data is securely deleted or anonymised when no longer required.
9. Security
We implement technical and organisational measures to protect personal data against unauthorised access, loss, destruction or alteration. These measures include:
- Role-based access controls.
- Encryption of data in transit.
- Segregation of duties.
- Secure hosting environments.
- Incident-response procedures.
10. Rights of Data Subjects
Subject to applicable law, you may have the right to:
- Access the personal data we hold about you.
- Request correction of inaccurate or incomplete data.
- Request erasure of your data.
- Object to processing based on legitimate interests.
- Request restriction of processing.
- Receive your data in a portable format.
- Withdraw consent at any time where processing is based on consent.
To exercise any of these rights, please contact privacy@guarantre.com.
11. Children
Our website and services are not directed to children. We do not knowingly collect personal data from individuals under the age of 18.
12. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites and encourage you to review their privacy policies before providing any personal data.
13. Changes to This Policy
We may update this Privacy Policy from time to time. Material changes will be notified through our website. The date of the most recent revision is shown at the foot of this page.
14. Contact
For questions, concerns or requests relating to this Privacy Policy or the processing of your personal data, please contact privacy@guarantre.com.
Last revised: May 2026