Association of International Life Offices
Representing the cross-border life industry
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Privacy Policy for the AILO website

Under the Data Protection (Bailiwick of Guernsey) Law, 2001 (the "Law"), organisations which handle personal information (as defined in the Law) have legal responsibilities in relation to that information and what they do with it.

Who we are

The AILO (referred to in this policy as "we" and "us") is the Association of International Life Offices operating in the Bailiwick of Guernsey and internationally. Our contact details can be found in the "Contact Us" section of this website.

Data Processing

We are registered with the Data Protection Commissioner of Guernsey as an organisation which handles personal data. For the purposes of the Law, we are the 'data controllers'. We are committed to protecting and respecting your privacy. This policy (together with our website terms and conditions and any other documents referred to on our website) sets out the basis on which we will process any personal data we collect from you or which you provide to us. Please read these documents carefully to understand our practices regarding your personal data.

Where you submit personal data to us, you do so on the basis that you consent to our processing that data in accordance with this Privacy Policy as amended from time to time. Where you submit personal data on behalf of someone else, you should only do so on the basis that you have the consent of that individual to the processing of his or her personal data, including sensitive personal data, in accordance with this privacy policy and to your receiving on his or behalf any data protection notices which we issue. In submitting data to us on behalf of someone else, you are representing to us that the individual has so consented.

Information we may collect from you

We may collect and process the following data about you:


Cookies are pieces of information which are stored by your web browser on your computer's hard drive. We may use cookies to collect information about your computer, including where available your IP address, operating system and browser type, for the purposes of our system administration. This is statistical data about our users' browsing actions and does not identify any individual. Cookies help us to improve our Site and to deliver a better and more personalised service. They enable us:

If you do not wish us to collect this information, you can refuse to accept cookies by activating the setting on your web browser which creates a block on cookies. However, if you select this setting you may be unable to access certain parts of our Site. Unless you have changed your browser setting so that it will refuse cookies, our system will use cookies when you log on to our Site.

Where we store your personal data

The data that we collect from you may be transferred to, and stored at, a destination outside the Bailiwick of Guernsey, including, but not limited to, the United Kingdom, Luxembourg, Ireland and the Isle of Man. It may also be processed by staff operating outside the Bailiwick of Guernsey who work for one of our suppliers. Such suppliers may be engaged in, among other things, the processing, holding and storage of information, disaster recovery services and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely by any such person and in accordance with this privacy policy.

All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Site, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Site and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Uses made of the information

We use information held about you in the following ways:

Contacting you and opting out

Where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.

If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, you can opt out of receiving communications from us or third parties at any time by sending an email to or by clicking the 'opt out' link at the bottom of our email updates or similar newsletter communications. This is also the email address which you should use if you wish to notify us of any changes to your personal details.

Disclosure of your information

We may disclose your personal information to our carefully chosen data processors, such as IT consultants, third party suppliers and other professionals. We will only share and exchange your personal information with data processors who agree in writing to protect your personal information. We may also disclose your personal information where we are required to do so by law or by any regulatory or law enforcement body.

Links to other websites

Our Site occasionally contains hyperlinks to third party websites. Where hyperlinks are provided, these are for the convenience of users only. You should not regard provision of such hyperlinks or other similar mention of third parties on our Site as in any way representing an endorsement by us of such third parties. If you decide to enter into any kind of contractual arrangement or similar with a third party for whom a hyperlink appears on our Site, we recommend that you take steps to satisfy yourself regarding the goods or services offered by that third party and as to that third party's data protection policies.

Your rights

You have the right to see all personal information we hold on you. Should you wish to have access to all or a particular part of your personal information, please contact our Data Protection Officer by emailing us at

We will give you access to personal data in accordance with the Law and any guidance issued by the Data Protection Commissioner from time to time. Access will be granted subject to any discretionary allowance for us to request you to pay a charge to cover our administration costs incurred in providing you with such personal information.

If your personal details change, if you change your mind about your marketing preferences or if you have any questions about our privacy policy, please let us know by emailing us at

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and you should therefore review this page regularly. Where we are required to do so, we shall notify you of changes by e-mail.