Privacy Policy

Purpose of this Privacy Policy

This privacy policy aims to give you information on how Reliance HMO hereafter known as “Reliance Health” collects and processes your personal data through your use of this 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. This privacy policy supplements other notices and privacy policies and is not intended to override them. Reliance Health is the controller and responsible for your personal data (collectively referred to as “Company”, “we”, “us”, or “our” in this privacy policy).

Changes to the privacy policy and your duty to inform us of changes

We keep our privacy policy under regular review. This version was last updated on 23rd November 2022. It may change and if it does, these changes will be posted on this page and, where appropriate, notified to you by email or when you next start the Mobile Application or log onto our website. The new policy may be displayed on-screen, and you may be required to read and accept the changes to continue your use of the Mobile Application, the website or the services. We are committed to protecting your personal information; therefore, your personal data will be strictly confidential. We keep our privacy policy under regular review. You should check our website from time to time to view our most up-to-date privacy policy. It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

Third-Party links

This Mobile Application and our website 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. When you leave our website, we encourage you to read the privacy policy of every website you visit. The data we collect about your personal data or personal information means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data)

We collect, use, store and transfer personal information directly from you when you:

• Chat with any of our personnel on our website
• Purchase a health care plan (“Plan”);
• Make a claim;
• Participate in our virtual events which require your registration;
• Visit our Website; or
• Contact us by telephone, fax, email, website, our Mobile Applications, or post to make a general enquiry or discuss your Plan or claim.

We may collect, use, store and transfer different kinds of personal data about you, which we have grouped as follows:

Identity Data includes first name, last name, username, photograph of the policy holder or similar identifier, marital status, title, date of birth and gender.

Contact Data includes billing address, delivery address, email address and telephone numbers.

Financial Data includes bank account and payment card details.

Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us.

Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.

Profile Data includes your username and password, purchases or orders you make, interests, preferences, feedback, and survey responses

Clinical users of our products and services may also be required to provide details of medical qualifications and licenses to practice in the given territories.

Usage Data includes information about how you use our website, products and services.

Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your usage data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data, which will be used in accordance with this privacy policy.

Special Categories of Personal Data

For the purposes of establishing access to clinical services, We collect biometric data in the form of photos of the user.

Reliance Health, during the course of providing clinical services may collect and store health information about the user as it relates to the provision of services.

We do not collect any other special categories of personal data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, and genetic data). Nor do we collect any information about criminal convictions and offences.

If you fail to provide personal data

Where we need to collect personal data by law or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.

If you give us personal information about another person to be included in your Plan, you should only do so if you have their consent. You must make sure that they have seen a copy of this privacy notice and are comfortable with you giving us their information.

Why do we collect personal information?

We collect personal information 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. 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 unauthorised 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.

What do we use your information for?

Any information we collect from you may be used in one of the following ways:

To personalize your experience (your information helps us to better respond to your personal needs).

To process transactions.

To provide access to the products and services as defined in your Plan.

To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you).

To provide customer service; We process your personal information when you contact us to resolve any questions, disputes, collect fees, or to troubleshoot problems. Without processing your personal information for such purposes, we cannot respond to your requests and ensure your uninterrupted use of the Services.

To send periodic emails. The email address you provide may send you information about our Plans and services and receive occasional company news, updates, related product or service information, etc. If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

To ensure network and information security; We process your personal information in order to enhance security, monitor and verify identity or service access, combat other malware or security risks, and to comply with applicable security laws and regulations in our jurisdiction.

To administer a contest, promotion, survey, or other site feature.

For any purpose that you provide consent; We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time, and as required under the applicable data protection and privacy law, we may request your permission to allow us to share your personal information with third parties. In such instances, you may opt out of having your personal information shared with third parties, or allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorization. If you choose to limit the use of your personal information, certain features or Reliance Health Services may not be available to you.

How is your personal data collected?

We will collect and process the following data about you:

• Information you give us. This is information (including Identity, Contact, Financial, and Marketing and Communications Data) you consent to giving us about you by filling in forms on the Mobile Application site and the website, or by corresponding with us (for example, by email or chat). It includes information you provide when you register to use the Mobile Application, download or register an Mobile Application, subscribe to any of our services, search for an Mobile Application or service, and when you report a problem with an Mobile Application, our website or our services. If you contact us, we will keep a record of that correspondence.
• Information we collect about you and your device. Each time you visit one of our websites or use our Mobile Applications we will automatically collect personal data including Device, Content and Usage Data. We collect this data using cookies and similar technologies.

How do we process your information?

We process your personal information for the purposes set out in this privacy notice. We process personal information if necessary to provide the services set out in a contract, if it is in our or a third party’s legitimate interests, or it is required or allowed by any law that applies.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

Where you have consented before the processing.

Where we need to perform the services for you.

Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.

Where we need to comply with a legal or regulatory obligation.

Do we disclose your information to third-parties?

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.

We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect our or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. We also disclose information where

It is necessary to establish, make or defend legal claims

It is necessary to prevent or detect an unlawful act in circumstances where we must carry out checks without your permission so as not to affect the outcome of those checks

It is necessary for a purpose designed to protect the public against dishonesty, malpractice, or other seriously improper behaviour.

It is in the public interest, in line with any laws that apply.

It is information that you have made public; or we have your permission.

Automatically Collected Information

When you use our website, we automatically collect certain computer information by interacting your mobile phone or web browser with our website. Such information is typically considered non-personal information. We also collect the following:

• Cookies
• Phone Number and Contact

Our website uses cookies to identify the areas of our website that you have visited. We use cookies to personalise the Content that you see on our website. We do not place personally identifiable information in Cookies. Most web browsers can be set to disable the use of Cookies. Please note that if you disable Cookies, you may not be able to access functionality on our website correctly or at all.

In order to make your visit to the Website easier to use, to keep track of visits and to improve the service, the company collects a small piece of information sent from your browser, called a cookie. If you register with us or if you continue to use the website you agree to our use of cookies. We utilize cookies to help manage user logins, to protect against security issues, and to remember player preferences. We do not set a persistent cookie to store your passwords, as we do not want anyone to be able to access your account other than you. We will take all reasonable steps to ensure that your information and data is treated securely and in accordance with this Privacy Policy.

Reliance Health uses phone numbers as unique identifiers so that it is easy for you to share your unique referral link and earn money via our referral program. We ask your permission before synchronising your contacts. We do not store your contact data, as this is not required. We only use the data to enable you to select from your contacts who you think may be interested in our service. We would only use the selected parties' first names and phone numbers to send the referral invite.

Change of Purpose

We will only use your personal data for the purposes we collected it unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your personal data for an unrelated purpose, we will notify you and explain the legal basis that allows us to do so.

Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its advertising network. You can opt-out of having made your activity on the service available to Google Analytics by installing the opt-out browser add-on. The add-on prevents Google Analytics JavaScript from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page here

Data Security

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.

In addition, we limit access to your personal data to any employee, agents, contractors and other third parties who require access to your personal data on a need-to-know basis. They will only process your personal data on our instructions, subject to either your express consent, on the grounds of performing our service and such third parties shall process such personal data subject to a duty of confidentiality.

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.

We secure the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption through a security protocol on the Website.

Data Retention

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes for which it was collected, including satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a more extended period in the event of a complaint or if we reasonably believe there is a prospect of litigation concerning our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

Contact Information such as your name, email address and telephone number for marketing purposes is retained on an ongoing basis until you unsubscribe. Thereafter we will add your details to our suppression list to ensure we do not inadvertently market to you.

Your Legal Right

Under certain circumstances, you have rights under data protection laws about your personal data. These rights are not absolute, nonetheless you have right to the following:

• Access to your personal data;
• Correction of your personal data; you can request the rectification of your Data which are inaccurate, and also add to it. You can also change your personal information in your Account at any time
• Erasure of your personal data;
• Object to processing of your personal data; in some instances, you have the right to limit the processing of your personal data;
• Request transfer of your personal data; and
• Right to withdraw consent.

If you wish to exercise any of the rights set out above, please contact us. You will not have to pay a fee to access your personal data (or exercise any other rights). However, we may charge a reasonable fee if your request is unfounded, repetitive or excessive.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask for further information about your request to speed up our response.

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made several requests. In this case, we will notify you and keep you updated

Payment Processors

We provide paid products and services on our website. In that case, we use third-party services for payment processing (e.g., payment processors). We will not store or collect your payment card details. That information is provided directly to our third-party payment processors, whose use of your personal information is governed by their Privacy Policy.

Questions, comments, and requests regarding our privacy policy should be sent to hellonigeria@getreliancehealth.com