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Privacy Policy


Baal Nak’ Reinsurance consultants, LLC (“Baalnak”, “we”, “our” and “us”) takes the protection of your personally identifiable information very seriously. We therefore provide this Privacy Policy which outlines our practices regarding the collection, use, and sharing of your personally identifiable information. It applies to the information we collect through our website (“Site”) and other interactions with you.  Unless explicitly provided herein, this Privacy Policy does not apply to the practices of companies that Baalnak does not own or control or to people that Baalnak does not employ or manage. Except as described in this Privacy Policy, we do not sell, rent, share or disclose your personally identifiable information to or with any other organizations.

We may revise this Privacy Policy from time to time, and we encourage you to check our website (“Site”) regularly as the most current version of the policy will govern our use of your personally identifiable information whether collected through our Site or through our other dealings with you. You can access our Privacy Policy by clicking on the applicable link in the footer of



We or vendors operating on our behalf may need to collect and use information about you for a range of purposes, such as when you apply for a job, request information from us or use our services. This information may include your name, title, date of birth, email address, phone number, residential address, as well as information relating to your profession. In certain circumstances, we may need to collect more sensitive personal information about you but only where this is strictly necessary for the purpose in question and where we have a valid legal basis to do so.

We do not solicit, collect, or maintain personally identifiable information from individuals who we have actual knowledge are under the age of 13. If you are a parent or guardian, please contact us if you believe information regarding a child has been collected by us through our Site.



When you visit our Site we may collect some information automatically, for example browser type, operating system, IP address, geolocation data, the pages you visit, and your activities on our Site. This may involve the use of cookies and similar technologies as explained below. By collecting this information, we get a better understanding of your needs and what products and services we can develop to meet those needs. All the information we gather helps us understand your preferences and how well our Site is functioning so we can continually improve your online experience with us. We may also use such information to improve our products and services, and to provide you information and advertisements regarding those products and services.

We may keep track of how you interact with links across our Site or how you interact with our email notifications. We do this to help improve our services, provide information and advertising, or to analyse how many times a particular link was clicked. Our Site may contain links to other websites, content embedded in our Site that comes from or relates to other websites and services, and buttons from other websites and services such as social media websites like Facebook, Twitter, and LinkedIn, and these third parties may use cookies or other tracking devices to collect and track information about you across the Internet. You should check the privacy and cookie policies of these other websites and entities, particularly when providing personally identifiable information, or to find out what other information they collect from users, whether while on their platform or website or in relation to links, buttons, or embedded media on this Site or elsewhere.

We may ourselves, or through our third-party service providers, collect information about your computer, such as the browser, operating system, IP address, country and other geolocation data, date and time of visit, whether you are using a mobile device and what type, referring websites, the search engine queries you used to get to our Site, the pages of our Site you visit and your activities on our Site such as what images, videos, or other imbedded media you view, as well as the amount of time spent on our pages, and the number of pages visited. Some of this information may be collected using cookies, as further explained below. This information is used for a variety of purposes to improve our Site and its content, including without limitation to gather broad demographic data, identify trends and statistics, help diagnose problems with our server, and to administer our Site and its content. We may collect and share information between pages of our Site for the proper functioning of our Site, as well as authentication. We may also use this information to provide you with information and advertising regarding our products and services.

Our Site may use “cookies” to to enhance your experience, track site usage, and improve our services. You can manage your cookie preferences through our cookie banner or your browser settings.

We may employ Web beacons which are customized links or similar technologies, on the Site and when sending you messages, newsletters, or promotional emails or in using third party service providers. Web beacons allow us to (a) determine whether you have opened, or acted upon, a promotional email and which links you have clicked on in order to deliver to you more focused communications and other content, (b) allow us to count the number of users who have visited certain webpages and effectively deliver services, and (c) enable us to compile aggregated statistics and determine the efficacy of promotions by using Web beacons from third parties.



We do not sell, rent or lease your information to others without your consent, except as provided in this Privacy Policy. In general, the information you provide will be used to support your relationship with us and to enhance and improve our Site, products, services, and advertising. We may engage third party service providers, consultants, and independent contractors to perform functions and provide services for us.  We may share the information we collect through our Site with these service providers so that they can perform services for us in relation to the Site and our business.

In addition to the situations described above, we may use and disclose visitor information in special instances when we have reason to believe disclosing this information is necessary to investigate, identify, contact, or bring legal action against someone who may be causing injury to or interfering with our rights or property, other Site visitors, or anyone else. We may disclose visitor information when subpoenaed, for government investigations, and when we otherwise believe in good faith the law requires it.

We may use a variety of third-party services to help provide our services, to help us understand the use of our services, provide information and provide advertising regarding our Site and our products and services and to process employment applications, among other services.  We may use third-party services, like but not limited to Google Analytics, to analyze Site usage and deliver advertisements. These third parties may collect and process your information according to their privacy policies.

More generally, and where applicable, we may disclose personal information to reinsurers, intermediaries, and agencies, and to third-party vendors for a variety of legal and security risk management services, such as credit reference, criminal record, fraud prevention, data validation and other professional advisory services, and where necessary to prevent and detect fraud, money laundering, government sanctions laws and terrorist financing. We may also disclose information to our third-party service providers who help us manage our IT and back-office systems, or who provide platforms to us that we then use or make available to you.

In the event that we are involved in a bankruptcy, merger, acquisition, reorganization, or sale of assets or change in our ownership or control, your information may be sold or transferred as part of that transaction.

For business purposes, to help prevent/detect crime or where required by law, we may need to transfer your personal information to parties based overseas. Where we do this, we will ensure that your personal information is protected in accordance with applicable laws, which may include ensuring that the overseas party is based in a country considered to be adequate by the country in which the sending party is based, or by otherwise ensuring that the overseas party enters into a formal and enforceable legal agreement that reflects any statutory requirements.



The length of time during which Baalnak retains personal information depends upon the nature of the information obtained, the purpose for which information has been obtained, and how the information has been obtained. In most cases we will retain your personal information We retain personal information for as long as necessary to fulfill the purposes for which it was collected, typically for 7 years following the end of our relationship with you, unless a longer retention period is required or permitted by law.  In some cases, we may need to retain your personal information for longer than this period, for example if a relevant policy allows for a longer claim notification window, and in some cases, we shall only retain your personal information for a shorter period.



We take reasonable steps to protect the information transmitted through our Site. However, we cannot guarantee the security of any information you transmit to us. You transmit information at your own risk and should take all necessary precautions regarding the information you transmit, either to our Site and its related vendors or elsewhere on the Internet. In the event of an unforeseen compromise of any data in our possession, Baalnak will comply with all applicable laws regarding reporting such an event to the appropriate parties.



If you wish to discuss this Privacy Policy or wish to enforce one of your rights or have any other related questions or concerns, you may contact us by emailing

Alternatively, you can contact us in writing at the following address: 1111 Brickell Avenue 11th Floor Miami, FL 33131