Purpose of the policy

This privacy policy aims to give you information on how Kennedia HMO hereafter known as “KHMO”, “Company”, “we”, “us”, or “our”, collects and processes your personal data through your use of the Mobile Application or website, including any data you may provide through this website when you use our services.

It is important that you read this privacy policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware of how and why we are using your data. KHMO is responsible for your personal data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. 

1. Types of Data Collected
   • Personal Data: While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
     • Contact Information (e.g., name, phone number, address, and email address);
     • Date of Birth; marital status and your dependents

• • • Financial information(e.g., bank account, debit and credit card account numbers, balances, and information related to payment for healthcare services), and (as applicable) your academic enrollment status or employment details;

1. 1. • Government identification numbers (e.g., Driver’s License Number, National Voter’s Card Number, National Identification Number);
      • Benefits coverage information and Health Information (e.g., health insurance status and information related to healthcare services received from healthcare providers);
      • Geo-location and other demographic information;

1. • Usage Data

• • • KHMO may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g., IP address), browser type, Cookies and Usage Data, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.
    • We also receive information from you and others regarding premium payments and reimbursements. This information may include, among other things, your ATM card numbers, bank account numbers, and other material relating to payments to/from you;
    • We receive information about you in connection with health coverage claims from third parties providing benefits and services under your coverage, including providers of medical services and claims administrators. This information may include, among other things, medical services bills and medical record information.
    • We retain personal information only so long as required by our business practices or by applicable law

2. Use of Data

We use the collected data for various purposes:

• • To enable us to provide you with the Plan you intend to purchase or have purchased and make sure we administer it correctly and efficiently.
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer support
  • To gather analysis or valuable information so that we can improve our Service
  • To monitor the usage of our Service
  • To detect, prevent, and address technical issues

Steps are taken to ensure the data we hold is accurate, kept up to date, and not kept for longer than is necessary. Measures are taken to safeguard against unauthorized or unlawful processing, accidental loss or destruction, or damage to the data.

However, if you believe the information we hold about you is factually incorrect, you can ask us to amend it. You can ask us to stop using your personal information in certain circumstances – for example, if you think the personal information we hold may be inaccurate or you believe we no longer need to process it.

3. Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside Nigeria and choose to provide information to us, please note that we transfer the data, including Personal Data, to Nigeria and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

4. Disclosure of Data

We do not sell, trade, or otherwise transfer your personally identifiable information to third parties. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.

1. Legal Requirements

We may disclose your Personal Data in the good faith belief that such action is necessary to:

• • To comply with a legal obligation
  • To protect and defend the rights or property of Health Limited

• • To prevent or investigate possible wrongdoing in connection with the Service

• • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

5. Security of Data

We have put in place appropriate security measures to prevent your personal data from being lost, used, or accessed by unauthorized persons, altered, or disclosed in the manner contrary to this Policy.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

The security of your data is important to us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

6. Governing Laws

The rights and obligations under this Privacy Policy are governed by the laws of the Federal Republic of Nigeria, including but not limited to the Nigerian Data Protection Regulations (NDPR) (2019).

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Health Limited aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.

If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.

7. Service Providers

We may employ third-party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services, or to assist us in analyzing how our Service is used.

8. Links to Other Sites

Our services may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements.

If you click on a third-party link, you will be directed to that third-party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

9. Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• • By email: [email protected]
  • By visiting this page on our website:  www.kennediahmo.com