GLICO General Insurance Limited

Privacy Statement

1. Introduction

GLICO General Insurance Limited ("GLICO General", "we", "us", or "our") is committed to safeguarding your privacy and protecting your personal data. This Privacy Statement outlines how we collect, use, disclose, store, and protect your information when you access or use the GLICO General Mobile Application (the "App").

2. Information We Collect

When you use the App, we may collect the following categories of information:

• Personal Information: such as your full name, telephone number, email address, and other contact details.
• Policy and Insurance Information: including policy details, claims information, and related insurance records.
• Device and Usage Information: such as device type, operating system, IP address, app interactions, and usage analytics.
• User-Provided Information: any information you voluntarily submit through the App.

3. How We Use Your Information

We process your information for the following purposes:

• To provide, administer, and manage insurance products and services
• To process policies, claims, payments, and related transactions
• To improve the functionality, security, and performance of the App
• To communicate important notices, updates, and service-related information
• To comply with applicable legal, regulatory, and contractual obligations

4. Data Sharing and Disclosure

GLICO General does not sell or trade your personal data. Your information may be disclosed only to:

• Authorized employees and representatives of GLICO General
• Approved third-party service providers and business partners acting on our behalf
• Regulatory authorities and government bodies where required by law, including the National Insurance Commission (NIC)

All third parties are required to maintain appropriate confidentiality and security measures.

5. Data Security

We implement appropriate technical and organizational safeguards to protect your personal data against unauthorized access, alteration, disclosure, loss, or misuse.

6. Data Retention

Your personal data will be retained only for as long as necessary to achieve the purposes described in this Privacy Statement, or as required under applicable laws and regulations.

7. Your Rights

Subject to applicable law, you have the right to:

• Access your personal data and request corrections
• Request deletion of your personal data where legally permissible
• Withdraw consent for certain data processing activities

Requests relating to your rights may be submitted using the contact details provided below.

8. Updates to This Privacy Statement

We may revise this Privacy Statement periodically. Any material changes will be communicated through the App or other appropriate channels.

9. Contact Information

For questions or concerns regarding this Privacy Statement or our data protection practices, please contact:

Terms and Conditions

1. Acceptance of Terms

By downloading, accessing, or using the GLICO General Mobile App, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

2. Use of the App

The App is provided to enable users to:

• Access insurance-related information
• Submit requests, documents, and claims
• Receive notifications, updates, and communications

You agree to use the App only for lawful purposes and in accordance with these Terms.

3. User Responsibilities

You are responsible for:

• Maintaining the confidentiality of your login credentials
• Providing accurate, current, and complete information
• All activities carried out under your account

4. Intellectual Property Rights

All content, trademarks, logos, software, and materials available on the App are the exclusive property of GLICO General or its licensors. Unauthorized use, reproduction, or distribution is strictly prohibited.

5. Service Availability

While GLICO General strives to ensure continuous availability of the App, we do not guarantee uninterrupted or error-free access. The App may be temporarily unavailable due to maintenance, upgrades, or technical issues.

6. Limitation of Liability

To the maximum extent permitted by law, GLICO General shall not be liable for:

• Any loss or damage resulting from misuse of the App
• Interruptions or unavailability of the App beyond our reasonable control
• Failures arising from third-party systems, networks, or services

7. Suspension and Termination

GLICO General reserves the right to suspend or terminate your access to the App at any time if these Terms and Conditions are breached or if required for security or legal reasons.

8. Amendments to the Terms

We may update these Terms and Conditions from time to time. Continued use of the App after any updates constitutes acceptance of the revised terms.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Ghana.