Under Article 31/A of the IC, any person or cooperation and/or its employees, officers and directors  which are subject to IC shall not disclose any information acquired during their services to anyone other than the competent authorities expressly authorized by the IC and shall not use such information for the benefits of themselves or any third person. The scope of this confidentiality obligation does not include any information and document exchanges made directly by insurance companies, reinsurance companies and pension companies among themselves or through the Insurance Information and Monitoring Centre to be used for making a confidentiality contract and for risk assessment purposes.