Privacy Policy

1. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, postal address
• Business Information: Company name, job title, business registration details
• Insurance Information: Policy details, claims history, risk assessment data
• Financial Information: Premium payment details, bank account information (for payment processing)
• Communication Records: Correspondence, inquiries, and feedback

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our website
• Referring website addresses

2. How We Use Your Information

We use your personal information to:

• Provide reinsurance broking services and process your requests
• Communicate with you about policies, claims, and services
• Fulfill our regulatory and legal obligations
• Conduct risk assessments and underwriting
• Process premium payments and commissions
• Improve our services and website functionality
• Send relevant industry updates and newsletters (with your consent)
• Comply with Pensions and Insurance Authority (PIA) requirements

3. Information Sharing and Disclosure

We may share your information with:

• Insurance and Reinsurance Partners: Including our endorsed partner Minerva Re and international reinsurers
• Regulatory Authorities: The Pensions and Insurance Authority (PIA) and other relevant bodies
• Service Providers: Third parties who assist in our operations (bound by confidentiality agreements)
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In connection with any merger, acquisition, or sale of assets

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Secure socket layer (SSL) encryption for data transmission
• Access controls and authentication procedures
• Regular security assessments and updates
• Staff training on data protection
• Secure storage of physical and electronic records

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records are typically retained for a minimum of seven (7) years after the end of the business relationship, in accordance with regulatory requirements.

6. Your Rights

Under the Data Protection Act of Zambia, you have the right to:

• Access: Request a copy of your personal information
• Rectification: Request correction of inaccurate or incomplete data
• Erasure: Request deletion of your data (subject to legal requirements)
• Restriction: Request limitation of processing in certain circumstances
• Objection: Object to processing for direct marketing purposes
• Portability: Request transfer of your data to another organization

To exercise these rights, please contact us using the details provided below.

7. Cookies

Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device that help us analyze website traffic and customize content. You can control cookie settings through your browser preferences. Disabling cookies may affect some website functionality.

8. Third-Party Links

Our website may contain links to third-party websites, including our partner Minerva Re. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a new effective date.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: