Privacy notice

Last updated 2026. Reward Enterprises Ltd, St. Augustine, Trinidad and Tobago.

The short version

Who we are

Reward Enterprises Ltd is an insurance agency operating in Trinidad and Tobago. We arrange insurance; we do not underwrite it. Policies are issued by Guardian Life of the Caribbean Limited and Guardian General Insurance Limited.

How this website actually works

Most privacy notices describe tracking that the site performs. This one mostly describes what is absent, so it is worth being specific.

• No cookies. The site sets none, for any purpose — not analytics, not advertising, not preferences.
• No analytics or tracking pixels. There is no Google Analytics, no Meta pixel, no session recording, no heatmaps.
• Nothing stored on your device. No local storage, no session storage.
• No accounts. There is nothing to log into and no password to hold.

The enquiry forms

When you complete the form on the home page, the contact page or the quote page and press send, the details you entered are transmitted to us. They are recorded as a row in a private Google spreadsheet that only we can open, and a copy is emailed to us so we can respond.

Nothing is sent while you are still filling the form in. If you start typing and change your mind, close the page — there is no draft saved and nothing reaches us.

Some visitors contact us on WhatsApp instead. If you do, that conversation is handled by WhatsApp under Meta's terms, and we hold the message history in the app like any other chat.

Third parties your browser contacts

Three, and only for the reasons given:

• Google — in two separate ways. The site's typeface loads from Google Fonts (fonts.googleapis.com, fonts.gstatic.com), so your browser's request gives Google your IP address and general browser information; we receive nothing from that and set no Google cookies. Separately, enquiries you submit are stored in Google Sheets and emailed through Gmail, which means Google processes that data on our behalf under its own terms.
• WhatsApp / Meta — only when you choose to open a WhatsApp conversation. From that point the message is handled by WhatsApp under Meta's own privacy terms, not ours.
• Vercel — our hosting provider serves the pages. Like any web server, its infrastructure processes standard request data such as IP address, and those servers are located outside Trinidad and Tobago. We do not access or analyse these logs.

What we collect when you contact us

Only what you choose to tell us. Typically:

• Contact details — your name, phone or WhatsApp number, and email address if you give one.
• What you want covered — the type of insurance, and any details you provide such as vehicle particulars, property details, your age or your business activity.
• Anything else you write to us in a message, email or WhatsApp conversation.

Health information

If you apply for life, critical illness or health cover, the insurer's application will ask about your medical history, and may require a medical examination or a report from your doctor. This is sensitive information. We handle it only to place and service your application, we pass it to the insurer because your application cannot be assessed without it, and we do not use it for any other purpose.

Why we hold it

• To prepare quotations and answer your questions
• To arrange and service policies on your behalf
• To contact you about cover you hold, including at renewal
• To meet obligations that apply to us as an insurance intermediary

Who we share it with

The insurer. To obtain a quotation or place cover, we pass your details to Guardian Life of the Caribbean Limited or Guardian General Insurance Limited, and to service providers acting for them where a quotation or application requires it — for example a medical examiner or a valuator. This is unavoidable: we cannot arrange insurance without giving the insurer the information it needs to assess the risk.

Google, as our service provider. Enquiries are stored in Google Sheets and notifications are sent through Gmail, so Google processes that information on our behalf. It is not shared with Google for Google's own purposes.

Nobody else, except where the law, a regulator or a court order requires disclosure.

We do not sell, rent or trade your information, and we do not share it with unrelated third parties for their own marketing.

How long we keep it

While you are a client, and afterwards for as long as we are required to retain records relating to insurance we arranged for you. Where you ask for a quotation and do not proceed, we keep the enquiry only as long as it might reasonably be revived, and then delete it.

Keeping it secure

We take reasonable steps to protect the information we hold, and access is limited to people who need it to do their work. No method of transmission or storage is completely secure, and we cannot guarantee absolute security — anyone who tells you otherwise is overstating it.

Your choices

You can ask us at any time to:

• Tell you what personal information we hold about you
• Correct anything that is wrong or out of date
• Stop contacting you, other than where we must to service a policy you hold
• Delete information we are not required to keep

Use the contact details below. We will respond within a reasonable period, and we may need to confirm your identity first so that we do not disclose your information to someone else.

Information held by the insurer is governed by their privacy terms as well as this notice. For records they hold, you may need to approach Guardian directly, and we will help you do that.

Children

This site is not directed at children, and we do not knowingly collect information from them. Where a policy covers a child — on a family health plan or an education plan, for instance — that information is provided by the parent or guardian arranging the cover.

Where the law stands

Trinidad and Tobago's Data Protection Act 2011 has only been partially proclaimed. The sections currently in force apply principally to public bodies, and the general obligations on private-sector organisations are among the provisions not yet brought into operation.

We therefore do not claim to be regulated under it. We have written this notice to follow the Act's general privacy principles anyway, because they are a sensible standard, and we will update it if the remaining provisions are proclaimed.

Changes to this notice

If we change how we handle your information — for example by connecting the forms to email, or adding analytics — we will update this page and change the date at the top before the change takes effect.

Contact

Reward Enterprises Ltd
St. Augustine, Trinidad and Tobago
Telephone and WhatsApp: +1 (868) 678-1148
Email: [email protected]