Privacy Policy

This website, gcg.expert, is operated by Dzhi Ins LLC (ООО «Джи инс»). References to “we”, “us”, and “Operator” below mean Dzhi Ins LLC.

1. General provisions

This Policy governs the processing of personal data of visitors to the gcg.expert website in accordance with Federal Law No. 152-FZ. Our priority is to safeguard the rights and freedoms of individuals whose data we process, including the right to privacy.

2. Key terms

For the purposes of this summary, “personal data” means any information relating to an identified or identifiable visitor to gcg.expert. “Processing” covers any operation performed on personal data — collection, recording, storage, use, transfer, and deletion. The full Russian-language Policy contains the legally binding definitions.

3. Operator’s rights and obligations

We process personal data in compliance with Russian Federation law. We take legal, organisational, and technical measures to protect personal data against unauthorised access, alteration, or disclosure, and we respond to data subject requests within the timeframes set by law.

4. Your rights as a data subject

You have the right to:

• receive information about the processing of your personal data;
• request that incomplete or inaccurate data be corrected, blocked, or deleted;
• withdraw your consent at any time; and
• lodge a complaint with the Russian competent authority or in court.

5. Data we process

When you contact us through the website’s forms, we collect the following data, which you submit voluntarily:

• your name;
• your phone number;
• your email address; and
• the content of your message or enquiry.

We also collect depersonalised technical data (such as cookies) via analytics services, including Yandex Metrica and Google Analytics. We do not process special categories of personal data (such as data concerning health, race, religion, or political opinions).

6. Principles of processing

Processing is carried out on a lawful and fair basis, is limited to specific pre-determined purposes, and only data that is adequate, relevant, and not excessive in relation to those purposes is processed.

7. Purposes of processing

We process personal data for the following purposes:

• responding to your enquiry or request;
• providing insurance brokerage and consultancy services, including voluntary health insurance (ДМС), corporate wellbeing programmes, and benefits design;
• clarifying the details of your enquiry or order; and
• improving the quality of the gcg.expert website.

8. Legal basis for processing

The legal bases for processing are: your consent, given when you submit a form; contracts concluded between you and us; and compliance with Russian Federation legislation.

9. Conditions of processing

Processing is carried out with your consent, or where necessary for the performance of a contract with you, or where required by Russian Federation law.

10. Collection, storage, and transfer

We protect personal data using technical and organisational measures appropriate to the risk. Personal data is stored only for as long as necessary to fulfil the purposes for which it was collected, unless a longer retention period is required by law.

We do not transfer personal data to third parties without your consent, except where required by Russian Federation law or to perform our contractual obligations to you — for example, when transmitting the data necessary to issue an insurance policy to the insurance company you have selected.

You may withdraw your consent at any time by emailing gcg@gcg.expert with the subject “Withdrawal of consent to personal data processing”.

11. Operations performed

We perform the operations defined by Russian Federation law on the personal data we collect — collection, recording, storage, use, transfer to the extent described in this Policy, depersonalisation, and deletion.

12. Cross-border transfer

Personal data is stored and processed primarily within the Russian Federation. Where any cross-border transfer is contemplated, we ensure that the foreign jurisdiction provides adequate protection of data subjects’ rights, or we obtain your explicit consent.

13. Confidentiality

We and any persons acting under our authority do not disclose personal data to third parties without your consent, unless required by Russian Federation law.

14. Final provisions

For any questions regarding the processing of your personal data, please contact us:

This Policy may be updated. The current Russian-language version — which is the legally binding text — is available at /privacy.