Privacy Policy

Capex Life Assurance Limited (“Capex”/ “We/Us”) respects the personal information and data that we collect from you through our website, various application forms and through other methods owned and controlled by us. This Privacy Notice describes how Capex Life Assurance uses, processes, and shares personal information, including sensitive personal data collected through our website and any products or services offered by Capex Life Assurance.

Collection of Information

As Data Controllers and Data Processors, we collect data directly from the data subject and indirectly through intermediaries and service providers with data subjects’ consent to enable us to operate effectively and provide you with the best experience possible with our products and services.

We collect information about you in the following ways (please note that this is not a comprehensive list):

• Information You Give Us – This includes but is not limited to your name, phone number, e-mail address, National Identification (ID)/passport details, date of birth, Personal Identification Number (PIN), financial and health information, occupation, employer, details of family members to be covered under the policy, postal addresses and any other information you provide to us through our application forms, website, in person, email or by phone, through an appointed insurance intermediary or through a service provider when accessing services related to your insurance policy.
• Information We Collect from Other Sources – We may also receive information from other sources and combine that with the information we collect as above. For example, if you engage with a separate application or website that uses our API (or whose API we use), we may receive information about you or your connections from that site or application.
• Information Automatically Collected – Capex automatically logs information about you and your computer or device such as the IP address, pages viewed and action on our website through Cookies and Web Beacons.

Use of Personal Information

Capex Life Assurance may use your personal information as follows:

• To provide the products and services applied for and the related customer support when accessing the benefits purchased, send updates and administrative information, facilitate payments, and send receipts. It is also used to authenticate users and develop safety features, operate, maintain, and improve our site, products, and services.
• To communicate with you, respond to comments, queries, complaints and to provide customer service. In this regard any change of details regarding your personal data should be notified to Capex Life Assurance immediately.
• Where you have provided specific consent and opt-in/subscribe to receiving Capex LifeAssurance marketing, products, and services information, we will send you communication we think will be of interest to you. You can unsubscribe/opt-out from our marketing communication by clicking ‘Unsubscribe’ on the footer of a Capex Life Assurance marketing e-mail or any other marketing communication received.
• To comply with the Data Protection Act 2019 and its Regulations and other lawful purposes such as compliance with applicable statutory government returns and statutory orders where relevant.
• To personalize and improve our services, including to provide or recommend, features, content, and advertisements. Where this is the case, we will take appropriate measures to protect your personal information in accordance with this Notice.
• In the exercise of our rights. Where reasonably necessary, we may use your data to exercise our legal rights and prevent abuse of our services. For example, we may use your data to protect, investigate, and deter against fraudulent, suspected money laundering, unauthorized, or illegal activity.

Sharing of Personal Information

• Capex Life Assurance shall not disclose your personal information to any third parties such as service providers other than with your prior consent, for a legitimate reason or for the performance of a contract.
• Capex Life Assurance may share personal information for legal, protection, and safety purposes which includes complying with the laws of the countries we operate in, and with all lawful requests, purposes, and legal processes.

Retention of Information

We retain your data for as long as we reasonably require it and, in any event for as long as you continue to use our products and services. When you no longer use our products and services, we will delete, anonymize or pseudonymize your data, subject to any legal or statutory obligations requiring the data to be retained for a longer period.

Security of Personal Information and Data Breach

Personal information and data are handled with care and integrity. Capex Life Assurance has implemented system, access, and process controls to safeguard and secure the information collected which includes monitoring and testing to verify effectiveness of the safeguards. If we suspect or become aware of any unauthorized access to your data by any unauthorized person or third party or become aware of any other security breach relating to personal data held by us, we shall notify you in writing within a reasonably practical period, unless the identity of the data subject cannot be established. In the event of such data breach, Capex Life Assurance shall fully and immediately take the appropriate steps to contain and remedy such data breach.

Data Location and International Data Transfers

Personal Data and information are processed and stored within Kenya. Capex Life Assurance undertakes to ensure that appropriate data protection safeguards are in place and your personal information is processed or transferred in accordance with the Data Protection Act and
Regulations. Consent shall be obtained for Personal and Sensitive Personal Data transferred outside Kenya.

Privacy Notice Updates

Capex Life Assurance reserves the right to change the provisions of this Privacy Notice at any time. We will alert you that changes have been made by indicating on the Privacy Notice – the date, the notice was last revised. Your use of the Website and applications following the posting of such revised Notice shall constitute your acceptance of any such changes. We encourage you to review our Privacy Notice whenever you visit the Website and application(s) to guarantee your understanding of how your information may be collected, processed, and used.

Contact information

If you have any questions or queries regarding this notice, please contact us at info@capexlifeassurance.co.ke

Privacy Notice Effective Date:
1st December 2023