Privacy Policy

Introduction

Adamjee Life Assurance Company Limited (“Adamjee Life”, “we”, “our”, or “us”) values the trust placed in us and is committed to safeguarding personal information. This Privacy Policy explains how personal information is collected, used, shared, and protected when you interact with Adamjee Life through its digital platforms and services. By using our services, you acknowledge and agree to the practices described in this Policy.

Scope

This Privacy Policy applies to personal information processed by Adamjee Life in the course of its business and service delivery. It covers information collected through Adamjee Life’s digital or service-related interactions. The Policy applies to all individuals whose personal data is processed by Adamjee Life and governs such processing regardless of how or where the information is collected or stored, in accordance with applicable local laws and accepted privacy and security practices.

INFORMATION WE COLLECT

1. Information You Provide
   1. Identity & Contact Data: Name, CNIC, date of birth, address, phone number, email address, policy number.
   2. Financial Data: Bank account details and payment information (processed securely through third parties).
   3. Insurance & Health Data: Medical details, underwriting information, and claims-related data.
   4. Transaction Data: Premium payments, claims, and policy servicing records.
   5. Customer Support Data: Communications, inquiries, and feedback.
      
      
      
2. Information Collected Automatically
   1. Device & Technical Data: IP address, device identifier, operating system version, browser/app version.
   2. Usage Data: Pages visited, features used, app interactions, crash reports.
   3. Location Data: Approximate or precise location (only with user permission).

PURPOSE OF DATA PROCESSING

We use personal data to:

1. Provide and manage insurance services.
2. Underwrite, issue, and service policies.
3. Process premiums, claims, and payments.
4. Deliver customer support and communications.
5. Improve digital platforms and user experience.
6. Ensure security, risk management, and fraud prevention.
7. Comply with legal, regulatory, and contractual obligations.
8. Conduct analytics, actuarial analysis, and service improvement.
9. Send marketing communications (only with consent).

DATA SHARING & DISCLOSURE

We may share personal data with:

1. Service providers (IT, hosting, payment processing, customer support)
2. Medical professionals and claims service providers
3. Insurance intermediaries (agents/brokers)
4. Regulators, law enforcement, and authorities (as required by law)
5. Business successors in the event of merger or restructuring

We do not sell personal data to third parties.

We may share personal data with:

1. Service providers (IT, hosting, payment processing, customer support).
2. Medical professionals and claims service providers.
3. Insurance intermediaries (agents/brokers).
4. Regulators, law enforcement agencies, and authorities (as required by law).
5. Business successors in the event of a merger, acquisition, or restructuring.

Adamjee Life does not sell personal data to third parties.  

Protection of Personal Data

Adamjee Life implements appropriate administrative, technical, and organizational measures to safeguard personal data against unauthorized access, loss, misuse, alteration, or destruction. Access to personal data is restricted to authorized employees, contractors, and service providers who require such access for legitimate business purposes and who are bound by confidentiality and security obligations. Adamjee Life processes personal data in accordance with applicable local laws and its internal information security and privacy policies.

Retention of Personal Data

Adamjee Life retains personal data only for as long as necessary to fulfill the purposes for which it was collected, including policy administration, claims processing, service delivery, and compliance with legal, regulatory, and statutory obligations. Once personal data is no longer required, it is securely deleted, anonymized, or disposed of in accordance with Adamjee Life’s data retention and disposal practices, ensuring that individuals can no longer be identified or re-identified.

Your Rights

Subject to applicable laws, you may:

• Access and correct your personal data.
• Request deletion (subject to legal and regulatory retention).
• Withdraw consent for marketing or optional data collection.
• Request information about data processing practices.

Children’s Privacy

Our services are not intended for individuals under 18 years of age, and we do not knowingly collect data from minors.

Third-Party Links

Our platforms may contain links to third-party websites or services. Adamjee Life is not responsible for their privacy practices or content.

Changes to This Policy

We may update this Policy periodically. Material changes will be communicated through our digital platforms.

CONTACT US
Adamjee Life Assurance Company Limited
Email: [email protected]
Website: www.adamjeelife.com