In compliance with the Personal Data Protection Act 2010, we will use all means
possible to
obtain your personal
information only upon your consent, record and retain in a secure and safe and protect it from
unwarranted disclosure to any third party that has no relation to the operation of our and Insurer’s service
to
you as well as the process of carrying out the obligation of agreements between you and us and the
Insurer(s).
WHAT WE COLLECT
We may need to and/or may be required to collect, use, disclose and store personal information and
financial
information about you, including but not limited to:
personal information about your identity and background.
personal information about your financial standing and creditworthiness, where required.
personal information about your health where you wish to procure relevant insurance policies offered
by
us
or
Insurer(s).
HOW WE COLLECT IT
We may obtain this information from you and from a variety of sources, including but not limited to:
through application forms that you agree to fill in, when using our products or services, when using
our
online
or electronic services, when taking part in customer surveys, competitions, and promotions.
through your verbal, written and/or electronic communications with us and/or our principal(s).
from third parties connected with you, such as your employers and/or your other insured parties
collected and processed by them and disclosed to us pursuant to their separate privacy policies.
from such other sources which you have permitted to disclose information relating to you and/or
where
not
otherwise restricted.
In instances where you provide us with personal information relating to third parties, you confirm that
you have
obtained their prior consent to provide us with their personal information in accordance with this
Privacy
Policy or are otherwise entitled to provide this information to us and for us to use it accordingly.
WHY WE COLLECT IT
We may use your personal information for one or more of the following purposes:
assessing, managing, and processing your application(s) for our/Insurer’s products and services
managing and maintaining your insurance policies & business relationship with us and/or the Insurer
understanding your current insurance coverage and future insurance needs.
Providing you with information on our and Insurer’s products, services and offers which may be of
interest to
you.
designing new or enhancing and improving existing products and services provided by us and/or the
Insurer.
notifying you on the changes to the features of our and/or Insurer’s products and services.
administering offers, competitions, and promotional/marketing materials
enabling us to carry out our and/or the Insurer’s contractual obligations and services including
responding to
arbitration/disputes.
updating, consolidating, and improving the accuracy of your personal information in our records.
producing and analysing data, reports and statistics which have been anonymised or aggregated in a
manner that
may not identify you specifically as an individual, for research purposes.
for audit, compliance, and risk management purposes.
verifying the legitimacy of your entity to make a purchase and utilize our and Insurer’s service to
avoid
fraud.
to facilitate us and/or Insurer in assessing financial and insurance risks.
assisting in law enforcement purposes, investigations by police or other government or regulatory
authorities
and to meet requirements imposed by applicable laws and regulations or other obligations committed
to
government
or regulatory authorities.
for any other purpose(s) as notified at the time of collection that is required or permitted by any
law,
regulations, guidelines and/or relevant regulatory authorities.
It is voluntary for you to provide us with your personal information, however if you fail to provide
such
information to us or later withdraw your consent for us to continue processing the same, we may not be
able to
provide or continue to provide you with the full range of benefits, products and/or services which you
have
requested from us and we may not be able to fulfil the purposes set out above.
DISCLOSURE OF YOUR PERSONAL INFORMATION
To carry out the purpose(s) stated in this privacy policy we may be required to disclose your personal
information to one or more of the following parties:
to insurer(s) providing the coverage to you and/or any other third party involved in the
process of
claim
investigation or background check for example loss adjuster etc
any person notified by you as authorised to give instructions to us or provide information related
to
you on
your behalf.
where required by law, under court order or required and permitted by relevant authorities and laws
to
assist in
fraud/crime investigation or arbitration.
to any third party involved in policy restructuring or acquisition by any of our companies or
insurer(s).
when you have given permission
where we are required to meet our obligations to any relevant regulatory authority.
other third parties who assist us in operating our website, conducting our business, or servicing
you.
agents, contractors, or service providers who provide operational services to us, such as online
cloud
storage
and processing, marketing optimization, information technology, telecommunications, security, or
other
relevant
services which requires their collection, use or disclosure of your personal data.
Your personal information will only be used by the said parties for the purposes of concluding and/or
executing
the contractual obligation between us and you and/or for the purposes of which the Personal Data was
given so
long these parties agree to keep your personal information confidential.
STORING & RETENTION OF YOUR PERSONAL INFORMATION
We will retain your personal information only for as long as is necessary for the purposes set out in
this
Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal
obligations or as required by law or authorities, resolve disputes, and enforce our legal agreements and
policies.
ACCESS TO YOUR PERSONAL INFORMATION
You can easily access or modify or update your personal information that is provided by you to us during
account
registration by logging in to your user account. You may proceed to add/edit/delete your personal
information
and save the changes/updates at your profile page. Your credential is required for these changes to take
effect
to confirm your identity. To add new information supporting documents maybe required for verification
purpose as
to avoid fraud.
We hereby reserve the right at any time and without notice to add/update and make any changes to this
Privacy
Policy. You will be made aware of any changes via message or notification, or other electronic means
deemed
appropriate. Such changes will be effective immediately after being posted on our website.
For further clarification on any terms or clauses set out in this policy contact our customer service
via the
following platforms:
