1. Introduction

Salam Takaful Insurance Ltd ("we", "our", or "us") is committed to protecting the privacy and personal data of our customers, partners, and stakeholders. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information in accordance with Nigerian law and Islamic ethical principles.

 

2. Information We Collect

We may collect the following types of personal information:

· Identity Data: Full name, date of birth, gender, nationality, ID numbers

· Contact Data: Address, phone number, email

· Financial Data: Bank account details, payment history

· Insurance Data: Policy details, claims history, beneficiary information

· Digital Data: IP address, device information, usage logs (via our website or mobile app)

 

3. Legal & Ethical Basis for Processing

We process your data based on:

· Consent: When you voluntarily provide information

· Contractual Necessity: To fulfill insurance agreements

· Legal Obligation: Compliance with NAICOM and other Nigerian regulations

· Legitimate Interest: Improving services and preventing fraud

· Shariah Compliance: Ensuring ethical and transparent handling of participant funds

 

4. How We Use Your Information

Your data may be used for:

· Administering Takaful policies and claims

· Customer support and communication

· Risk assessment and fraud prevention

· Internal audits and regulatory reporting

· Marketing (only with your consent)

 

5. Sharing of Information

We may share your data with:

· Regulatory bodies (e.g., NAICOM)

· Re-Takaful partners

· IT and payment service providers

· Legal or tax advisors

· Law enforcement (when required)

We do not sell or rent your personal data to third parties.

 

6. Data Retention

We retain your data only as long as necessary for:

· Legal and regulatory compliance

· Contractual obligations

· Historical and audit purposes

 

7. Data Security

We implement robust physical, technical, and administrative safeguards to protect your data from unauthorized access, alteration, or loss.

 

8. Your Rights

You have the right to:

· Access your personal data

· Request correction or deletion

· Withdraw consent at any time

· Lodge complaints with the Nigerian Data Protection Commission (NDPC)

 

9. Contact Us

For questions or concerns about this policy or your data, contact:

Salam Takaful Insurance Ltd

65 Ibrahim Taiwo Road,

Fagge, Kano,

Kano State

Email: info@salamtakafulinsurance.com

Phone: +234 806 565 7291