Protecting your information is important to us.
Protecting your information is important to us. The Personal Data Protection Act, 2022 ("PDPA") came into effect on 1st May 2023, with this Law and the GDPR, all data controllers, processors are required to conform with the Act, our statement herein is an introduction of how we collect, handle, process and store any form of data that we come into contact with. It is therefore, important that you read this Privacy Statement and, if you are a principal member under any of our policies of insurance, we encourage you to share this statement with the beneficiaries of your policy and ensure that they have given you consent to act on their behalf. This MIC Global Risks (Tanzania) Limited Privacy Statement relates to the collection, usage, disclosure, and storage of your Personal Data throughout MIC Global Risks (Tanzania) limited General and Medical Insurance processes and your data shall not be used for commercial purposes unless consent is obtained. By applying for insurance cover or any other services, you will be deemed to have given consent to handling and processing of your personal data. The personal data we process in relation to you and/or your company is provided by you/your representative, third parties, collected through the MIC Global Risks ( Insurance Brokers) limited website, publicly available sources or generated during your application for your insurance and/or processing of your insurance claim with us, and through any media and our authorized Insurance brokers and agents. When we collect and process your personal information, we ensure to keep it safe and to never sell it. We look after it properly and process it in accordance with our privacy principles set our below.
We only process personal data for legitimate business purposes and
when a legal ground as set out in data protection law is applicable.
There are a number of legal grounds that may apply of which the
listing below describes the ones most likely to be relevant to you.
Consent
Wherever applicable and possible we will collect and process your data with your consent. We will ensure that consent is requested from you in an explicit manner. It involves direct and unambiguous action, such as checking a box that is not pre-checked. When collecting your personal data, we will always make clear to you, which data is necessary in connection with a particular service. All data provided by you will be used for legitimate purposes only and the MIC undertakes to use such information only in connection with services you will normally expect from us.Consent for minors
For children under 18, informed consent is given by the child’s parent or guardian and we will most probably process their data in a different manner from that of adults.Contractual obligations
In certain circumstances, we need your personal data to comply with our contractual obligations. For example, if you request a quotation for any of our insurance products, we would require you to furnish us with your medical history.Vital Interest
In specific situations, we may be required to process your data to protect or save your life.Legal compliance
If the law requires us to, we may need to collect and process your data. We will also be legally required to store information and personal data for a limited amount of time, as established by applicable law.Legitimate interest
In specific situations, we process your data to pursue our legitimate interests in ways which might reasonably be expected and which do not materially impact your rights.
Personal information you provide is processed fairly, lawfully and
in a transparent manner. Personal data that we may process, as
appropriate throughout the insurance and claim process is, but is
not limited to:
- Name and contact details (such as telephone number, e-mail address and postal address).
- Date of birth.
- Profession
- Gender.
- Marital status.
- Dependant details.
- Bank accounts.
- Claim record.
- Video, photographic images or audio recordings submitted or made as part of the medical claim process.
- Medical reports and medical history.
- Previous claim experience available.
The personal information we require about you (and, if applicable,
other people insured under your insurance policy) will be gathered
and stored as set out in this Data Privacy statement Whilst there
are several ways, we collect Personal Data we mainly obtain your
information through the following means:
Approved Intermediaries
We may collect data directly or through our approved and authorized insurance intermediaries and those appointed or acting on your behalf.Service providers
We collect your data through various service providers that include but not limited to.- Insurance companies, locally and internationally.
- Our external advocates
- Medical practitioners and medical institutions
Our marketing teams
If you are an insurance intermediary/consultant or business partner, we may also collect your information from our day-to-day business activities with you, business referrals and your attendance at events, categories being collected and processed are as per The Personal Data Protection Act, 2022 laws of United Republic of Tanzania and the GDPR. Our marketing team will collect documents from you and transmit the same to the company for processing of your insurance policy and claims where appropriate. This data will be used as per the intended purpose and in an event the data shall be used for commercial purpose, the same will be done in strict adherence of section 35 of The Personal Data Protection Act, 2022. Your Personal Data may also be collected from third parties during claim processing such as references from previous insurer and government authorities/bodies.
If you are a customer, we mainly use your personal information so
that we can provide a quote, set up, administer and manage your
policy, including carrying out a risk survey, and to assess and pay
claims as part of an insurance contract. However, there are several
other reasons why we use your personal information as set out below
- To consider whether to enter into an insurance relationship with you.
- To comply with any legal right or obligations to which we are subject to
- For Processing of any claim in respect of an existing policy of insurance.
-
Subrogation/Recovery and includes but is not limited to the
following:
- Processing your insurance policy
- To determine whether you have an insurable interest in the subject matter.
MIC Global Risks (Tanzania) limited operates a branch network hence
any authorized persons working in our network may come into contact
with your data. Your Personal Data may be disclosed to any of the
following for any of the purposes outlined above: Professional
advisers, third party service providers, agents or independent
contractors providing services to the MIC Global Risks (Tanzania)
limited. To any person in connection with litigation or other legal
proceedings, to obtain legal advice or for establishing, exercising
or defending legal rights. Any person to whom disclosure is allowed
or required by Law and/or Regulation, Any court, tribunal,
Regulatory Authority or Governmental Entity. Any criminal records
bureau, credit bureau or credit reference agency when conducting
background checks. To third parties to provide references at your
request or with your consent; and Third parties to whom we may
transfer our rights and/or obligations under any agreement,
including but not limited to a potential merger or acquisition of
all or part of the Group's business. Subrogation In some
circumstances, we may provide your personal data to a third party
who will determine how and why it will be processed.
Personal Data is retained as long as necessary for the purpose for
which it is collected and to meet legal, regulatory and operational
requirements. Retention periods may differ for each insurance policy
taken. At the end of the retention period, non-identifiable data is
kept for management information/statistical purposes. MIC Global
Risks (Tanzania) limited has also put in place a Data retention
policy in line with The Personal Data Protection Act, 2022 and the
GDPR. MIC Global Risks (Tanzania) limited may also retain your
contact information for the purposes of inviting you to renew any of
your insurance policy from time to time and may use your contact to
send you notifications notifying you of our various products,
renewal notice and claim updates.
The security of your Personal Data is important to us, and MIC
Global Risks (Tanzania) limited implements technical and
organizational measures to safeguard your personal data. As a
responsible organization, MIC Global Risks (Tanzania) limited
manages its client’s data and only authorized personnel may access
your Personal Data. When using external service providers, we
require that they adhere to security standards mandated by MIC
Global Risks (Tanzania) limited and regardless of where personal
data is transferred, we take all steps reasonably necessary to
ensure that it is kept secure. When transferring your data to
European Union ("EU") and your personal data is processed in a
country outside of the EU, we will put in place contractual clauses
approved by Data Protection Commissioner as provided for under the
law and by the EU Commission as providing an adequate level of
protection.
MINORS
MIC Global Risks (Tanzania) limited do not issue insurance policy to a minor. Any personal data belonging to a minor where a policy of insurance has been taken out by a parent or guardian on behalf of the minor, shall be processed/handled in accordance with section 30 of The Personal Data Protection Act, 2022.
In some circumstances you may have the right to object to how MIC
Global Risks (Tanzania) limited processes your Personal Data or
restrict its processing, but this does not mean you can decide or
choose how we process your Personal Data. Where it is stated that we
process your personal information on the basis of a legitimate
interest, you are entitled to object to the processing in question
on grounds relating to your particular situation, we will then stop
processing the information unless we can demonstrate compelling
legitimate grounds.
MIC Global Risks (Tanzania) limited will update your data from time
to time as advised by you, you are obligated to ensure that MIC
Global Risks (Tanzania) limited is always holding accurate and
updated personal data.
The MIC Global Risks (Tanzania) limited Privacy Statement may be
updated from time to time, and it is your responsibility to visit
our websites and other communication platforms regularly for the
most recent version.
In accordance with Section 34 of the Personal Data Protection Act,
2022, Laws of United Republic of Tanzania, data subjects have the
right to: be informed of the use to which their personal data is
put; access personal data held by a data controller or processor;
object to the processing of all or part of their data; request
correction of false or misleading data; and request deletion of such
data. To exercise any of these rights, kindly access the
Data Subject Rights Request Forms available on our website.
These include:
MIC Global Risks (Tanzania) Limited. C/O Data Protection Officer 8th Floor, Amani Place, Ohio Street P.O. Box 10936, Dar es Salaam Tanzania
- Request for Access to Personal Data
- Request for Restriction or Objection to Processing
- Request for Rectification
- Request for Data Portability
- Request for Erasure of Personal Data
MIC Global Risks (Tanzania) Limited. C/O Data Protection Officer 8th Floor, Amani Place, Ohio Street P.O. Box 10936, Dar es Salaam Tanzania
You understand that by using our site services and our products you
agree to be bound by this statement of privacy. If you agree to this
statement on behalf of an entity, you represent and warrant that you
have the authority to bind that entity to our privacy statement, by
using our products and/or accessing our site, if you do not accept
it in entirety you must inform us immediately indicating what part
of our privacy statement you are not agreeable to. By providing your
personal information or personal information of someone included in
your policy to MIC Global Risks (Tanzania) limited, you acknowledge
that we may use it only in the ways set out in this Privacy
statement.
For certain uses of your personal information, we may ask for your
consent. Where we do this, you have the right to withdraw your
consent to further use of your personal information. Withdrawal of
consent would not invalidate any processing we carried out prior to
your withdrawal of consent. Please note in some cases we may not be
able to process your insurance if you withdraw your consent. We do
not generally rely on consent for processing personal information in
relation to insurance contracts; we generally relay on other legal
grounds, such as the basis that processing is necessary for the
performance of a contract to which you are party.
If you have concerns in relation to the way MIC Global Risks
(Tanzania) limited processes your personal data, you can either
contact our Data Protection Officer by writing or email under
aforementioned contact data.
From time to time, we may need to make changes to this Privacy
Statement, for example as a result of government regulations, new
technologies or other developments in data protection laws or
privacy generally. We encourage you to review periodically to see
the most updated Privacy Statement.
Downloads
MIC Global Risks (Tanzania) limited - Privacy Policy Download
Application for permit to transfer Personal Data Download
Application for rectification of Personal Data Download
Application to prevent collection or processing of Personal Data Download
Request for erasure of Personal Data Download