Privacy Policy
Last updated: 3/10/2024

Introduction
At Southern Cross Assurance (“we”, “us”, “our”), your privacy is of utmost importance. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in accordance with applicable laws, including the General Data Protection Regulation (GDPR) and local privacy laws. By using our services or accessing our website, you agree to the terms outlined in this policy.

1. Information We Collect

We may collect the following types of personal information:

• Personal Identifiable Information (PII): Name, address, phone number, email address, date of birth, and identification documents.
• Website Usage Information: IP address, browser type, pages visited, and other analytics.

2. How We Use Your Information

The personal information we collect is used to provide and improve our services. Specifically, we may use your information for the following purposes:

• To process insurance applications and manage your policies.
• To handle claims, payments, and refunds.
• To communicate with you regarding your policy or any inquiries.
• To comply with legal obligations and regulatory requirements.
• For fraud prevention, identity verification, and risk management.
• To improve our website and services based on user preferences and behavior.

3. Sharing Your Information

We may share your personal information with third parties, including:

• Service Providers: Companies that help us deliver our services, such as payment processors, IT providers, and claims adjusters.
• Legal Authorities: Regulatory bodies, law enforcement agencies, or courts when required by law.
• Business Partners: With your consent, we may share your information with affiliated companies or partners for marketing purposes.

Southern Cross Assurance does not sell your personal information to third parties.

4. Data Security

We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, firewalls, secure servers, and data access controls. While we strive to protect your data, no security system is foolproof, and we cannot guarantee the absolute security of your information.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. When your information is no longer needed, we will securely delete or anonymize it.

6. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Rectification: You can request that we correct inaccurate or incomplete information.
• Right to Erasure: You can request the deletion of your personal data under certain conditions.
• Right to Restrict Processing: You can request that we limit how we use your data.
• Right to Data Portability: You can request that we transfer your data to another organization.
• Right to Object: You can object to our use of your data, including for direct marketing purposes.

To exercise any of these rights, please contact us using the details provided below.

7. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance user experience, track website performance, and gather analytics. You can manage your cookie preferences through your browser settings. For more information on how we use cookies, please refer to our Cookie Policy.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect or store personal information from children without parental consent. If you believe that we have collected such information, please contact us so we can delete it.

9. Updates to this Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the updated policy on our website and updating the “Last updated” date.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

Southern Cross Assurance
Email: info@scal.com.pg Phone: (+675) 308 3400
Address: Monian Tower (Level 6), Douglass Street, Port Moresby, NCD