Privacy Policy

Minerva Risk Advisors Privacy Policy

Last updated: 29 June 2020

At Minerva Risk Advisors (“Minerva”), your privacy is, and always has been, very important to us. We are dedicated to providing you with superior service while protecting your privacy and safeguarding your personal information. Minerva will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

“Personal Information” is defined as information about an identifiable individual excluding data relating to the name, business title, business address or business telephone and number of employees of organizations.

Please read this privacy notice carefully to understand how we handle your personal information before you access or browse our website and or mobile app or provide your personal information to us.

 

Why we collect and use personal information

Collecting personal information about you is essential to enable us to provide the products and services that best meet the needs of both yourself and/or authorized third parties (“Client”). While the personal information we collect may come directly from you, it may also be provided by our affiliates or other third parties (such as employers, insurance companies, , reinsurance companies, motor vehicle licensing authorities, etc.).

We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send an e-mail to us from this Web site or through our mobile apps. When you enroll for an insurance policy, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Minerva so we can provide you with policyholder service. The employees of Minerva are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.

When visiting our website or accessing our mobile applications, we will use your personal information to:

  •  allow you to access and use our website and mobile app.
  •  communicate and provide you with the information that you request from us.
  •  ensure the security of our services and our website and mobile apps.
  •  recognize you when you return to our website and mobile apps.
  •  contact you with newsletters, marketing, or promotional materials, and provide technical support.

Details relating to the usage of our websites by individuals will be anonymized as far as is reasonably possible and you will not be identifiable from the data collected.

 

Consent to use personal information

Consent may be obtained in various ways. We may obtain your express consent or we may determine that consent has been implied by the circumstances i.e. by agreeing to the terms and conditions of the website or mobile app. Express consent can be verbal (in person or over the telephone), written or by electronic application (including email). Implied consent occurs when we can assume you have given consent by some other action you take or decide not to take. For example, if you request a specific product or service and provide us personal information in that regard, we infer that you consent to us using that personal information.

If you need to provide personal information about other individuals (such as employees, dependents, etc.), you must obtain their consent for these purposes prior to your disclosure to us. Providing us with your personal information is always your choice. When you request services from us, we ask that you provide information that enables us to respond to your request. In doing so, you consent to our collection, use and disclosure to appropriate third parties of such personal information for these purposes. You also authorize us to use and retain this personal information for as long as it may be required for the purposes described above. Your consent remains valid even after the termination of our relationship with you, unless you provide us with written notice that such consent is withdrawn. You should note that by withdrawing your consent, or not providing it in the first place, you may limit or even prevent us from being able to provide you or an authorized third party (such as an employer) with the products or services desired.

In certain circumstances, consent cannot be withdrawn, such as where personal information is required for policy issuance or renewal, insurance underwriting or claims administration of existing policies. Additionally, in certain circumstances, we will not need to obtain consent or explain the purposes for the collection, use or disclosure of personal information. For example, this exception would apply if there is an emergency that threatens the life, health, or security of an individual, or if we must comply with a court order.

 

Sharing personal information and why

We do not sell client lists or personal information to others. Minerva Risk Advisors only discloses personal information as is required and described in this Policy or as otherwise required by law. In providing our services, we may need to disclose the personal information we collect to affiliates, subsidiaries, successors and other service providers or agents who perform various functions for us. Any third parties with whom we share your personal information is limited (by law and by contract) in their ability to use your personal information for any purpose other than to provide services for us. We will always ensure that any third parties with whom we share your personal information are subject to privacy and security obligations consistent with this privacy notice and applicable laws.

As Minerva Risk Advisors continues to develop and grow, we may buy or sell parts of a business. As our businesses consist primarily of client relationships, information regarding the particular accounts or services being purchased or sold could include personal information and be one of the transferred business assets. We may also use this personal information to assess your future needs and to offer the products and services that may best meet those needs, from ourselves, our affiliates or reputable organizations selected by us. If you do not wish to receive these offers or such information, please contact our Privacy Officer as outlined below in the Contact Information section.

 

Keeping information accurate

It is important that your personal information is accurate and complete. Having accurate information about you enables us to give you the best possible service. You have the right to access, verify and amend the information we have about you. If you identify any personal information that is out-of-date, incorrect, or incomplete, let us know and we will make the corrections promptly. To keep personal information up to date, please inform us of any changes, such as a change of address, telephone number or any other circumstances by contacting your local office representative.

 

How we safeguard personal information

At Minerva Risk Advisors, we employ physical, electronic, and procedural safeguards to protect our systems and all personal information under our control against unauthorized access and use. All safety and security measures are appropriate to the sensitivity level of the information collected. Our service providers and agents are bound to maintain the confidentiality of your personal information and may not use the information for any unauthorized purpose. Employees are governed by strict standards and policies to ensure that personal information is secure and treated with the utmost care and respect.

 

Cookies

Minerva Risk Advisors may collect user information from its websites and its Mobile Apps (for example, via “cookies” which are alphanumeric identifiers transmitted from a website to a visitor’s browser and IP address). As is true of most other websites, this website collects certain information automatically and stores it in log files. This includes Internet Protocol (IP) addresses, geographic location of your computer or device, browser type, operating system, and other information about visiting this website, for example, pages viewed. This information is used to improve this website and, thanks to this constant improvement, to better serve to our users. Your IP address may also be used to diagnose problems with our server, administer this website, analyze trends, track a user’s movement on the site, and collect demographic information to help us understand visitor preferences and their needs. This website also uses cookies and web beacons

 

Third Party Websites

Minerva Risk Advisors websites and mobile apps may contain links to other third-party sites that are not governed by this privacy policy. Although we endeavor to link only to sites with high privacy standards, our Privacy Policy will no longer apply once you leave this website. We are not responsible for privacy policies employed by other third parties or any foreign affiliates since they would be governed by privacy legislation applicable in their country of residence. We suggest, therefore, that you examine the privacy statements of those sites to learn how personal information may be collected, used, and/or disclosed.

 

How we keep your personal information secure

No data transmissions over the Internet can be guaranteed to be 100 percent secure. Consequently, we cannot ensure or warrant the security of any information you transmitto us and you understand that any information that you transfer to Minerva is done at your own risk. Minerva Risk Advisors is committed to protecting personal data from loss, misuse,disclosure, alteration, unauthorized access, unavailability, and destruction andtakes all reasonable precautions to safeguard the onfidentiality of  personal data, including through use of appropriate organizational and technology measures. However, Minerva uses website security measures consistent with current best practices to protect its website, email, mobile apps, and mailing lists. Organizational measures include physical access controls to our premises, internal Human Resource policies and staff training and ensuring confidentiality obligations are imposed on our employees and third parties. technology measures include requiring authentication passwords for access to our business applications, the use of encryption and anti-virus software. We are committed to ensuring the confidentiality of the personal information that we hold, and we  continue to review our security controls and related policies and procedures to ensure that your personal information remains secure.

We realize there can be incidents of misuse or unauthorized program incursions, as almost every website, service, and user encounters. In those instances, our goals are to move quickly to isolate the problem, ensure or restore proper functionality and minimize any inconvenience to our users. As appropriate and necessary, Minerva will notify the relevant authorities of these incidents of misuse or unauthorized program incursions of the Minerva website or mobile apps.

 

Your Rights

 

  • You have a right of access, right to update or correct any personal information we hold about you. You can ask us for a copy of your personal information; confirmation whether your personal information is being used by us and details about how and why it is being used. You have a right to request an update to any of your personal information that is out of date or incorrect.
  • To restrict processing of your personal information where appropriate. You have a right to ask us to restrict the way that we process your personal information. To update or correct your personal information
  • To delete your information, to the extent permitted by law. You have a right to ask us to delete any personal information which we are holding about you in certain specific circumstances.

You also have the right to:

  • Withdraw your consent for the processing of your personal information: if we are relying on consent and have no other legal grounds for processing your personal information, you can withdraw your consent.
  • Object to the processing of your personal information: You have a right to ask us to consider any valid objections which you have to our use of your personal information where we process your personal information on the basis of our or another person's legitimate interest, or where we use your personal information for profiling purposes.
  • Object to automated decision making and profiling.
  • Data portability: Where we use your personal information on the basis of your consent or performance of a contract, you have a right to ask us to provide your personal information to a third-party provider of services.

 

Minerva Risk Advisors will consider all such requests and provide a response within a reasonable period. Please note, however, that certain personal information may be exempt from such requests in certain circumstances, for example if we need to keep using the information to comply with our own legal obligations or to establish, exercise or defend legal claims. We may request that you provide us with information necessary to confirm your identity before responding to any request you make. If an exception applies, we will tell you this when responding to your request.

 

Changes in Our Privacy Policy

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

 

Contact information

Please contact our Privacy Office to obtain further information about our policies and procedures or if you have any unresolved inquiries or concerns. We will respond to you promptly and do our utmost to resolve your concerns. Our Privacy Officer can be contacted as follows:

No 1 Kenilworth Road, Kenilworth Gardens

Newlands, Harare, Zimbabwe

Email: info@minerva.co.zw

 

While Minerva Risk Advisors makes every effort to secure all communications within our control and on our premises, please be advised that no method of delivery is absolutely secure and any communication of personal information may be accidentally or deliberately intercepted by third parties.

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