Hollard Privacy Notice and Policy

As our business grows and changes, we may need to update this notice to reflect those changes. If changes affect you personally, we will try and contact you directly because it is important to us that you understand at all times how your personal data is used. Please make sure that we always have your latest contact details.

The meaning of processing your personal data

To help you understand this notice, we include the explanations of the terms ‘personal data’ and ‘process’ as used in Act 843:

• Personal data and special personal data are any information relating to an identifiable living person. Some examples are: race, gender, marital status, nationality, age, physical or mental health, disability, language, education, identity number, telephone number, email, postal or street address, biometric information and financial, criminal or employment history.
   
• Process means any operation or activity, whether automated or not, concerning personal data, including collection, receipt, recording, organisation, collation, storage, updating or modification, retrieval, adaptation, alteration, consultation, use, dissemination by means of transmission, distribution or making available in any other form, merging, linking, as well as alignment, combination, blocking, degradation, erasure or destruction of the information or data. “Processing” will have a similar meaning.

Why we process your personal data

We have to process some of your personal data in order to provide you with our products and services, and also as required by insurance, tax and other legislation. For example: When you buy one of our services or products, we collect your name, contact information and payment information to complete the transaction. Your personal data is also gathered through our website and other channels we use to distribute, communicate and deliver our services. We use your personal data in order to do the following:

• identify you
• process your requests or instructions
• manage your policy
• follow the laws of Ghana
• detect and prevent fraud
• offer other products and services to you

Whenever you use this website, complete a quotation or application form or contact us electronically, we will process and collect your personal information. Because of the nature of our business, we sometimes use other parties like our service providers and administrators who in turn process your personal data.

When we share your personal information

In order to provide our products and services to you, we may share your personal data with other insurers, industry bodies, and our service providers. These are some examples of when we will share your personal data:

• When required by any regulatory authority, such as National Insurance Commission.
• When required by legislation or any legal process.
• To protect and defend our rights and property, including our intellectual property.
• When you have given us direct permission to do so.

We will never sell your personal data or share it with other parties for their own marketing use, unless you have given us direct permission.

We may however share your personal information with our partners if that information is required to provide you with the product or services requested by you. Our business partners will adhere to using your personal information as directed by Hollard.

Some information is automatically collected

When you use any of our digital channels like websites and apps, we receive and store information generated by your activities (usage data gathered by cookies) and other information that are automatically collected from your browser or mobile device. Most of this data is generally not personally identifiable. However, some of this data, either alone or when linked with other information, may allow your identity to be discovered. We treat this combined data as personal data and we protect it accordingly.

• Cookies are small text files that are created when you view a website. They gather usage data which includes information about the sites you visited, the number of times you visit, the date, time and length of your visit, which products or services you viewed and which areas of the site you visited. We may assign you one or more unique identifiers to help keep track of your future visits.
   
• Other information automatically collected may include your IP address, browser type and version, preferred language, geographic location, wireless or Bluetooth technology on your device, operating system and computer platform.

Information collected through online advertising

We use service providers (such as Google,) to help us deliver our banner advertisements and other online communications. To understand which types of offers, promotions and advertising are most appealing to our customers, these service providers may collect and use some of your personal data. This information is aggregated and cannot be linked to you.

• Data aggregation is any process in which information is gathered and expressed in a summary form using specific variables such as age, profession, income and interests. These service providers show Hollard’s ads on sites on the internet, and they use the information stored in cookies based on your prior visits to Hollard’s website. If you do not want your personal data to be used in this way, you can opt out of the use of cookies, by visiting any of the following sites:
    
  • Google at http://www.google.com/policies/privacy/ads/
  • Network Advertising Initiative at http://www.networkadvertising.org/managing/opt_out.asp

How we protect your data

We take every reasonable precaution to protect your personal data (including information about your activities) from theft, unauthorised access and disruption of services. Our security controls are designed to maintain an appropriate level of data confidentiality, integrity, and availability. We regularly test our website, data centres, systems, and other assets for security vulnerabilities.

However, we cannot guarantee the security of any personal data that you willingly disclose online. Please note that we process and collect your personal data when you use our website, contact us electronically or complete a quotation or application form online. When you use any of our online services, you will be given a username and password. Always keep this information safe and never disclose it to anyone.

Receiving marketing from us

We like to keep our customers informed of the latest products and services offered by us and our service providers. When you buy a new product or service from us, we will ask you what your marketing preferences are. If you do not want to receive marketing from us, you can change your preference on our self-service portal (if you have access) or by contacting us on the details on your policy document or on the details below.

Note that even if you choose not to receive marketing from us, we may still communicate with you regarding things like security updates, product functionality, responses to service requests and for other transactional or administrative purposes.