Privacy Notice

INTRODUCTION

This Privacy Policy describes our policies and procedures on the collection, use and disclosure of Your information and tells you about your privacy rights and how the law protects you. Our Privacy policy describes what information we collect, how we use it and what rights you have in relation to it. Please read through it carefully and if there are any provisions in this Privacy policy that you disagree with, please discontinue use of this products and/or our services.

This Privacy policy applies to all information collected by Prudential in relation to products and services offered or received by Prudential.

Where you decide to continue using this website, you have granted consent to the processing of your personal information by PLAZ and other third parties as stated in our Privacy Policy.

DEFINITIONS

We/Us means Prudential Life Assurance Zambia Limited and its affiliates.

Prudential Group means any affiliates of Prudential Life Assurance Zambia (including, Prudential Plc, Prudential Africa Holdings Limited and Prudential Corporation Asia).

Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used. It includes accountants, auditors, IT service and platform providers, intermediaries, reinsurers, investment managers, agents, selected third party financial and insurance product providers and our professional advisers.

Third-party Social Media Service refers to any website or any social network website through which a User may log in or create an account to use the site/service.

Personal Data is any information which relates to an individual who can be directly or indirectly identified from that information. It includes names, identification numbers, location data and online identifiers.

Cookies are small files that are placed on your computer, mobile device or any other device by a website, containing the details of your Browse history on that website among its many uses. Usage Data refers to data collected automatically, either generated using the site/service or from the Service infrastructure itself (for example, the duration of a page visit).

COLLECTING AND USING YOUR PERSONAL DATA

While using our Service or while accessing service from you, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. This information may include, but is not limited to: Email address, First and last names, Phone number, ID, Address, Postal code, City, Country, Photograph etc.

All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.

INFORMATION AUTOMATICALLY COLLECTED

Usage Data is collected automatically when using the site/service. Usage Data may include information such as your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device.

INFORMATION COLLECTED FROM OTHER SOURCES

We may obtain information about you from other sources, such as public databases; joint marketing partners, social media platforms (such as Facebook), as well as from other third parties.

Examples of the information we receive from other sources include: social media profile information (your name, gender, birthday, email, current city, province and country, user identification numbers for your contacts, profile picture URL and any other information that you choose to make public); marketing leads and search results and links, including paid listings (such as sponsored links)

Whereas PLAZ informs, helps and engages with our customers through designated channels, pages and accounts primarily to improve our services to you, we do not give investment, tax or other professional advice on our social media sites neither will PLAZ ask you to share personal, account or security information on social media sites.

PLAZ is only responsible for information posted by our designated officials. We regularly update and monitor our social media accounts and welcome feedback from you through these channels.

PLAZ also acknowledges that social media sites are not suitable forums to discuss products or financial arrangements specifically as your personal information may be processed by the site owner which is not within our control and may be in a region with different privacy principles.

COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar tracking technologies to track the activity on our site/service and store certain information.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our site/service.

These Cookies are essential to provide you with services available through the Website and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts.

These Cookies allow us to remember choices you make when you use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time You use our site.

USE OF YOUR PERSONAL DATA

We will use the personal information for the following purposes: to communicate with you, to enable us to administer, process and service our products and services for you, to comply with legal or regulatory requirements, to improve our products and services, to send you marketing and promotional material, to request feedback, to carry out checks using third party agencies or publicly available information and keeping your information on record as well as carrying out other internal business purposes. For certain products or services, we’ll need to process your sensitive personal information, such as information relating to health.

If required, we may also pass on your personal information to financial crime prevention agencies and any legal, regulatory or government bodies. We may share your data with third party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to perform their services. We will not share, any of your information with third parties for their promotional purposes without your consent.

Your information, including Personal Data, is processed at our operating offices and in any other places where the parties involved in the processing are located. This information may be transferred to other jurisdiction where the data protection laws may differ than those from those in Zambia. As we, the Prudential Group, and some of our Business Partners are global companies, we might need to send your personal information overseas. Any transfer of personal data overseas will be in accordance with applicable local law requirements.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

When you share personal information or otherwise interact with public areas of the application, such personal information may be viewed by all users and may be publicly distributed outside the application.

MANAGEMENT OF USAGE DATA

The Company may use Usage Data for the following purposes:

• To provide and maintain our application service including to monitor its usage.
• To manage your registration as a user of the Service. The Personal Data you provide can give you access to different functionalities of the Service that are available to you as a registered user.
• To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To provide you with news, special offers and general information about other services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information
• To attend to and manage Your requests to Us
• To contact you by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.

We may share your personal information with Service Providers to monitor and analyze the use of our Service, to show advertisements to you to help support and maintain our Service, to contact you, to advertise on third party websites to you after you visited our Service or for payment processing.

RETENTION OF YOUR PERSONAL DATA

We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations as per the Data Protection Act, resolve disputes, and enforce our legal agreements and internal policies. All your information will be kept in line with our data retention policy.

We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of Our Service, or we are legally obligated to retain this data for longer time periods.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible, we will securely store your personal information and isolate it from any further processing until deletion is possible.

DISCLOSURE OF YOUR PERSONAL DATA

We will disclose your personal data under the following circumstances:

• If we are involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.
• Under certain circumstances, the Company may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
• We may disclose your Personal Data in the good faith belief that such action is necessary to: Comply with a legal obligation, Protect and defend the rights or property of the Company, Prevent or investigate possible wrongdoing in connection with the Service, Protect the personal safety of Users of the Service or the public and/or Protect against legal liability

YOUR RIGHTS

At PLAZ, we are aware of your rights under the applicable privacy and data protection laws and that you are entitled to the following rights as a data subject:

• Right of access
  You have the right to confirm with us whether your personal data is processed, and if it is, to request access to that personal data including the categories of personal data processed, the purpose of the processing and the recipients or categories of recipients. We do have to take into account the interests of others though, so this is not an absolute right, and if you want to request more than one copy, we may charge a fee.
• Right to rectification
  You may have the right to rectify inaccurate or incomplete personal data concerning you.
• Right to erasure (right to be forgotten)
  You may have the right to ask us to erase personal data concerning you where it is inaccurate. However, PLAZ reserves the right to continue processing or retain your data on valid legal, regulatory, and operational grounds.
• Right to restriction of processing
  In limited circumstances, you may have the right to request that we restrict processing of your personal data, however where we process Employee Data and Sensitive Employee Data for the Processing Purposes, we think that we have a legitimate interest in processing that day which may override a request that you make.
• Right to data portability
  You may have the right to receive personal data concerning you, which you have provided to us, in a structured, commonly used, and machine-readable format and you may have the right to transmit that data to another entity.
• Right to object and rights relating to automated decision-making
  Under certain circumstances you may have the right to object, on grounds relating to your particular situation, at any time to the processing of your personal data, including profiling, by us and we can be required to no longer process your personal data. This may include requesting human intervention in relation to an automated decision so that you can express your view and to contest the decision.
• Right to prevent processing of personal data for direct marketing
  Please note a one-time password will be shared with you once at point of signup for our client portal/App if you choose to have access to your policy details. We advise that you always protect your information.

SECURITY OF YOUR PERSONAL DATA

We have undertaken to protect your personal information against unauthorized access or processing, of the personal data. We have implemented appropriate policies and procedures to protect all your personal information held by us.

The security of your Personal Data is important to us but no method of transmission over the Internet, or method of electronic storage is 100% secure. While we use commercially acceptable means to protect and secure your Personal Data, we cannot guarantee its absolute security. Please note to access our sites within a secure environment.

CHILDREN'S PRIVACY

We do not knowingly collect personally identifiable information from children (any person under 18 years of age). If you are a parent or guardian and you are aware that your child has provided Us with Personal Data, please contact Us via info@prudential.co.zm If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from Our servers.

By using our site, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor use of the Site.

LINKS TO OTHER WEBSITES

Our application may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

CHANGES TO THIS PRIVACY POLICY

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website.

If we make a material change to the policy, we will let you know via notice on Our website, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

CONTACT US

If you have any questions /comments about this Privacy Policy, you can contact us