Our website address is: https://africaforesight.com.
This privacy notice applies to any information obtained by us through your use of this website. It does not apply to any websites controlled by third parties not affiliated with us or our business but linked to this website (“third-party sites”). Please review the privacy statement of third-party sites as we would not be responsible for, neither do we have influence over the content or the privacy practices of third-party sites.
The terms of this privacy notice are subject to any additional terms, disclaimers or other contractual terms you have entered into with us such as client privacy statements or notices, and any applicable mandatory laws and regulations. Please take a moment to study and familiarise yourself with this policy and should you have questions, do not hesitate to contact us. Where any of the procedures outlined in this policy are unacceptable to you, please refrain from proceeding. However, we would be happy to entertain your queries, suggestions and requests for clarification.
This privacy notice would be updated from time to time as our processes evolve and change. Updates would also be added to reflect change in government regulations, new technologies, or other developments in data protection laws or privacy generally. Please do check this website for updates on a regular basis.
To facilitate our service delivery to you, and improve customer experience, we collect the following personal data from you:
We receive information from you on applications for insurance and relevant onboarding forms to facilitate service delivery. We also receive information from other sources, including eligibility listings from employers, government agencies, schools and providers of administrative services, as the case may be. In this regard, we may receive your name, address, identification number, phone number, marital status, your dependents, financial information, and (as applicable) your academic enrollment status or employment details and benefits coverage information.
We may also receive information regarding existing life insurance coverage. We also receive information from you and others regarding premium payments. This information may include, among other things, credit card numbers, bank account numbers, and other information relating to premium payments you make. We receive information about you in connection with coverage claims from third parties providing benefits and services under your coverage, including providers of medical services and claims administrators. This information may include, among other things, medical record information.
When you visit our website, our web server automatically records details about your visit including your; IP address, the website from which you visited us, the type of browser software used, our website pages that you visit; and the date and duration of your visit to the website.
We respect the privacy of children. We do not deliberately obtain the personal data of children including; name and email address except it is necessary to register them as beneficiaries to a policy or other products. Accordingly, we would not deliberately market or allow children under 18 to purchase our products.
Note that we only collect your personal data in line with practices detailed in this policy. The data collected is used to facilitate our services to you, provide your insurance policy and other services to you. This may include assessing your application for a policy, setting up your account as a policy holder, administering and managing your insurance policy and benefits, handling and paying claims to you or your beneficiaries etc. Other reasons include;
For the purposes indicated above, we will process personal data we receive about you from public and commercial databases. We will inform you where we require your consent to process your personal data. Otherwise, we will process your personal data to meet our legitimate business interests (including maintaining contact with clients, providing updates and information about AFG, organising and hosting events, and conducting market research and analysis) or where it is needed to comply with a legal obligation. In addition, we may also process your personal data to enter into a contract with you, or to perform our obligations under an existing contract with you. We will respect applicable laws and regulations in our collection, storage, use and application of personal data.
Our website uses tracking technology such as cookies or tags to gather information as outlined above to understand how visitors use the website. Tracking technology helps us manage and improve the usability of the website, for example, by detecting whether there has been any contact between your computer and us in the past, and to identify the most popular sections of the website. When you save your cookie settings, they should also apply to your future visits to the website. However, for technical reasons beyond our control, this cannot be guaranteed. For example, if you reset your browser, delete your cookies, or access the website from another browser or device, your cookie settings may be lost. To comply with applicable laws and regulations, in some countries you may be asked to confirm your cookie settings when you first visit the website. If you are in a country where you are automatically required to set your cookie settings, you may be asked to set them again on a future visit.
In many cases you can also control tracking technologies using your browser. Please ensure that your browser setting reflects whether you wish to be warned about and/or accept tracking technologies (such as cookies) where possible. The specific capabilities of your browser and instructions on how to use them can usually be found in the manual or help file of your browser. Refusing, disabling or deactivating tracking technologies may result in a reduced availability of the services provided by the website, or parts of the website may no longer function correctly.
We may share your personal data with other third-party processors/controllers outside the group. We reiterate that we would not process or share your information other than as described in this policy, and to effect service delivery to you. Where we share your data, it would be kept strictly confidential, and processors would be under strict obligations to ensure the safety and integrity of your data in compliance.
Our Website uses the following social media plug-ins ("plug-ins"):
All plug-ins are indicated with the brand names of the respective operators Facebook, Google, Twitter, Xing and LinkedIn ("Operator"). To increase the level of data protection and in accordance with applicable laws and regulations, we have implemented the additional programs by means of a so-called 2-click solution. This procedure ensures that when you visit our website, no direct connection of your browser to the servers of the Operator is established. Only if you activate the plug-ins by clicking on them and thereby grant your consent to the data transfer, your browser establishes a direct connection to the server of the respective Operator. The content of the plug-ins is then transmitted by the Operators directly to your browser and integrated by them into the website.
By accepting the plug-in, the Operator receives the information that your browser has accessed our website. If you logged in to your account when you visited our website, the Operator can connect your visit to your account directly. If you interact with the plug-in, e.g. by clicking on the Facebook button, the +1 button and the Tweet button or the LinkedIn "Share" button, the data will be transferred directly from your browser to the Operator and saved by the Operator. In addition, the information will be published on the relevant social network or on your Twitter account and will be visible to your contacts. If you do not want this data transfer to the Operators, you must log out of your respective account before you click on the plug-ins and activate them. XING AG uses your data only to offer the shared functions (e.g. calculation / counter display) and not to store your personal data or to evaluate your user behaviour.
For more information on the purpose and scope of data collection, processing and use, please refer to the privacy statements below:
The law guarantees your right to privacy and puts a burden on us to secure your personal data to the highest standards possible. Accordingly, you have the following rights-
We have implemented reasonable technical and organisational security measures to protect your personal data and keep it safe. We have in place appropriate security standards and policies to ensure that your data is only exposed to our staff and third parties on a need-to-know basis. We process and retain possession of your data only for the minimum period required by law, until it is no longer required by us. We take steps to destroy the data in a safe and secure manner.
All electronic messages sent to and from us are protected by reasonable technical and organisational measures and may only be accessed in justified cases in line with applicable laws and regulations (e.g. court order, suspicion of criminal conduct, violation of regulatory obligations) to specific persons in defined functions (e.g. Legal, Compliance, Risk). Every step of the process, as well as the search criteria used, are logged in an audit trail. All emails are disposed of after the applicable retention period has expired.
We will not retain your personal data for longer than is necessary and we will hold it only for the purposes for which it was obtained in compliance with the law and relevant data protection and privacy regulations.
If you have any queries or complaint about how we use your personal data, you can contact us by post or email via the details specified below:
We regularly review this privacy notice. We will ensure the most up-to-date version is published here.