Privacy Notice
Privacy Policy
This privacy policy explains how our company handles the personal information we get from you when you use our website and services.
” Personal data” is defined as information that may be used to identify you, either alone or in conjunction with other identifying information, for the purpose of this privacy policy. JCIA must take all necessary steps to comply with any data protection regulations in the relevant country, including requiring handling of certain categories of personally identifiable information.
What information do we collect?
For the reasons outlined in this Privacy Policy, we as an insurance business, are required to gather several types of personal data about you and third parties. We get from you the personal data that is required to fulfill legal obligations or contractual requirements, or to enable us to deliver the goods or services you have requested.
The list provided here is not comprehensive, rather it is only representative of the information we could have about you. There may occasionally be changes to the specific categories. Information about you and other policyholders (identified drivers, co-residents of an insured property, etc.) may be collected.
Personal data is gathered falls into the following categories:
Personal Information Includes:
- Names
- Telephone number
- Email address
- Postal address
- Occupation
- Employment
Details about your identity includes your:
- Date of Birth
- National Identity Number
- Passport Number
- Drivers License Number
Details about other individuals identified as
- Beneficiaries
- Dependents
- Otherwise included in the insurance policy
Your:
- Weight and height, as well as unique data categories like your
- Health and emotional state
- Family medical background
Financial data, such as a:
- Bank account Number
- Financial Data
- Signature in writing
How do we store data
We use security measures that adhere to the regulations that are relevant in your area to secure your information. The encompasses technological, administrative and physical measures. We safeguard the information that may be stored over our websites by implementing commercially reasonable security measures.
When it comes to using information, we tell our staff members who have access to it to follow the guidelines in this privacy policy as well as the privacy laws and regulations that apply to our individual business unit. Misuse of client information by employees is punishable by law.
We have a through routine for keeping records. Depending on the information’s type and the processing’s goal, different retention periods apply.
The main factors that dictate how long we retain data are:
- The durations for which we require it to fulfill our commitments to you.
- Legal timeframes
- The timeframe which we must retain it in order to protect ourselves against lawsuits.
We promise to take all reasonable precautions to protect your personal information. In the extremely unusual even that there is security breach, we shall promptly inform you of the incident’s details in compliance with our legal responsibilities
How will we use your data?
Your personal information is primarily used by us to offer you a quotation, set up, manage, and administer your policy, as well as to evaluate and handle claims as required by an insurance contract. More precisely, though, we may use the personal information we collect for any or all the following uses:
· To confirm your identity
· To confirm that the data we get is accurate.
· To evaluate your insurance requirements as well as the kind and degree of risk involved in your suggested insurance plan to establish your eligibility and, if you qualify, your premium. This might entail searching for your credit rating and making judgments about you in that regard.
· To make decisions on delayed payment arrangements, including without limitation whether to maintain or extend a current deferred payment arrangement, and to make or receive any payments, whether in respect to your policy, a claim, or any other purpose.
· To manage and administer any products and services you have obtained from us, including by contacting you.
· For identifying and stopping fraud, money laundering, and other offenses, as well as to support the police and any other authorized authority or investigatory body with any queries or investigations. In order to assist in preventing fraudulent behavior, we also collaborate with and exchange data with other insurers, law enforcement authorities, and anti-fraud organizations (such as fraud whistleblower services), when authorized by law. In some situations, we are mandated by law to notify the relevant authorities of certain illegal activity and suspected criminal activity.
Your Rights
We acknowledge that you are the owner of the personal data we process, and we work hard to provide you with control over that information. You have the right to make a number of requests about the personal data we handle, in accordance with the laws currently in effect governing the processing of personal data. According to the law, you have the following rights regarding your personal information:
· Right to access: You have the right to be informed, as well as the right to receive a copy of the data that we hold about you. A copy of the data is usually provided free of charge. We can provide you with a copy of your data in print or electronic form.
· Right to rectification: We take reasonable measures to ensure that the information that we hold about you is accurate. Nevertheless, if you believe that certain information about you is incorrect or it is not up to date, you have the right to ask us to correct the inaccurate information about you as well as the right to complete the same.
· Right to restriction: You have the right to request the restriction of the processing of your data in certain cases, including where the accuracy of the personal data is contested for a period enabling us to verify the accuracy of the personal data or where the data is no longer necessary to be held.
· Right to object: You have the right at any time to object to the processing of your personal data. For instance, you have the right to object to processing for direct marketing purposes where such processing is based on our legitimate interests. If you object to the processing of your personal data for direct marketing, we will stop processing your data for this purpose within a reasonable time after receiving your objection and we will stop contacting you for the purpose of marketing our products.
· Right to withdraw consent: You have the right to recall or withdraw the consent you have given to us for the processing of your data. Nevertheless, please note that the withdrawal of consent does not affect the lawfulness of processing that used to be based on consent prior to its withdrawal. In some cases, the withdrawal of your consent to the processing of your data may mean that we will not be able to serve you in view of the fact that the processing of certain data is inextricably linked to the provision of the service that we offer to you.
· Right to file a complaint: You have the right to file a complaint with the relevant Authority within your relevant jurisdiction if you have a complaint about the processing of your personal data that is carried out by us.
Notable Data Breach
We treat data breaches with extreme caution. We promise to make every effort to notify the Information Commissioner of any data breach within the stipulated 72-hours timeframe. Additionally, if there is a significant risk to your rights, we will make every effort to get in touch with you as soon as possible.
Changes to this Privacy Notice
At Jamaica Co-operative Insurance Agency, we recognize that data protection and privacy are dynamic fields that need for ongoing dedication and attention. We thus pledge to regularly update this Privacy Notice to make sure it accurately reflects the most recent legal requirements as well as industry best practices for data security. We promise to promptly notify you of any important modifications to our policy procedures. You may simply confirm that you are examining the most recent version of this Notice by looking at the date of the previous change, which is always mentioned at the bottom of this notice. We urge you to go over these revisions and consider how they could affect you.
Contact Information
The Jamaica Co-operative Insurance Agency is pleased to hear from you with any inquiries or remarks about our privacy statement. Please use the information below to contact our Data Protection Officer if you have any questions, concerns, or complaints about this privacy notice.
Amelia Page (Ms.) amelia.page@jcialtd.com
2-2a Manhattan Road Kingston 5
876-929-5360 EXT. 2340
Last Updated: June 19,2024
