1. General

Royal Group Micro Insurance Plc is committed to uphold the highest standards in providing reliable, affordable, and trusted insurance solutions designed to safeguard our clients’ most valued assets. Integral to this mission is our unwavering dedication to the protection and responsible management of personal information. Accordingly, we have established Privacy Policy, which defines the manner in which personal information is used, collected, retained, and disclosed.

We may occasionally update this privacy notice. We encourage you to periodically review this privacy notice to be informed of how we process your information.

2. Data Processing

You can use our website or social media (hereinafter referred to “Online Platform”) without disclosing any personal data to us. Personal data means any information relating to an identified or identifiable natural person.

If you nevertheless voluntarily provide us with e.g., your name, e-mail address, country of residence or other personal data, we will process this personal data.

3. Information We Collect

We may collect or obtain personal information directly from individuals and other authorized sources in a manner that is both equitable and compliant with applicable laws. The information collected is determined by the nature of our relationship with each individual and may include, but not limited to, names, contact details, usage related to our products and services, preferences, demographic data, and interests.

We ensure that only information necessary for the provision of our products and services, the conduct of our business operations, or the enhancement of our understanding of client needs is collected.

For individuals who engage with our online platforms, we may collect technical data such as IP addresses, types of operating systems employed, times and durations of website visits, origins of internet traffic, and the specific web pages accessed within our sites.

4. Purposes and Legal Bases for Processing

Personal information is used or disclosed exclusively for the purposes for which it was collected, for other uses to which the individual has provided consent, or as required or permitted by law. We may collect and process your personal data for the purposes and on the legal bases identified in the following:

• Providing our online platform and delivering the services you have requested
• Handling contacts and user support requests
• Sharing photographs and/or audio-visual footage taken and/or live streamed during our event:
• Developing and improving our online platform
• Managing our relationship with you by sending you marketing information, product recommendations and other non-transactional communications about us and our partners, including information about our products, promotions, or events to the extent you have provided your prior consent.
• Reviewing compliance with the applicable Terms of Use; ensuring the security of our business, preventing or detecting fraud or abuses of our online platform
• Defense and enforcement of claims
• Compliance with legal obligations.

5. Sharing and Disclosure of Information

We may share personal data we collect and receive on a need-to-know basis with the following parties:

1. Other affiliates of our Group or its agents,
2. Relevant authorities or other third parties (if required by law or reasonably necessary to protect the rights, property and safety of ourselves or others).
3. Third-party providers that perform services for us (we work with service providers at home and abroad who process data about you on our behalf or in joint responsibility with us, or receive data about you from us within their own sphere of responsibility. For example, we procure IT services such as hosting, support and maintenance, and testing from service providers. Our service providers are each subject to contractual and/or statutory confidentiality and data protection obligations),

6. Data Protection and Security

We implement appropriate technical, administrative, and physical safeguards to protect your information from unauthorized access, loss, misuse, or disclosure. While we strive to ensure the security of your data, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

When your data is transmitted via our online platform, we protect it during transmission using suitable encryption mechanisms. However, we can only secure areas that are under our control. If you contact us by e-mail, you do so at your own risk and agree that we may respond to you at the sender's address via the same channel. If you send us e-mails via the Internet in unencrypted form, third parties may be able to access, view and manipulate them, and data can be lost or intercepted and/or manipulated by third parties. What's more, we take appropriate technical and organizational security measures to reduce the risk on our online platform. However, your end device is outside the security area that lies within our control. You are therefore required to learn about the necessary safety precautions and to take appropriate measures in this regard.

7. Links

Our online platform may contain links to other sites. We are not responsible for the content or privacy practices of such other sites. Pay attention when you leave our online platform and read the privacy notices of any other site that collects personal data. Your data protection and privacy rights under these third-party platforms will be governed by their respective privacy practices.