Privacy Policy

WHO WE ARE

Who is providing this Notice?

Enterprise Life Assurance LTD, a limited liability company incorporated in Ghana of Advantage Place, Mayor Road, Ridge West, Accra, whose affiliates include Enterprise Group PLC, Enterprise Insurance LTD, Enterprise Trustees LTD, Enterprise Properties LTD, Seventh Avenue Properties LTD, Enterprise Funeral Services Ghana LTD trading as “Transitions – The Funeral People” and Acacia Health Insurance LTD (together the “Group”).

WHY

Why are we providing this Notice?

We wish to explain how we use personal data we collect from you when you purchase our products or use our services. Please read this Notice.

WHAT WE DO

What data do we collect or process?

We collect or process personal data mainly to help us understand how we can best serve you. The data will include personal identification information (Name, email address, phone number, date of birth, bank account details, ID card residential address, health data etc.).

How do we collect your personal data?

You directly provide us with most of the data we collect. We collect data and process data when you:

Fill any of our Know Your Customer (KYC) forms.
Register online on our websites and other digital platforms.
Place an order for any of our products or services.
Voluntarily request for information on our products and services.
Sign on to use the Group website, the Enterprise Advantage App or any wifi system operated by the Group.

We may also receive your data indirectly from other sources (eg data controllers on whose behalf we process personal data, intermediaries, partners or parties with insurable interests).

Legal basis for processing personal data

We process your personal data to provide you with the service for which we have been contracted and for other services you have consented to. In some circumstances and as required by law, we may process your personal data for legitimate reasons, under legal obligations or for public interest considerations.

How will we use your personal data?

We use your personal data to:

Process your requests or orders.
Provide you with products and services requested.
Manage your account or our relationship with you.
Recommend other products or services that may be of interest to you.

How do we store your personal data?

We store your personal data both manually and electronically. The personal data is also stored internally and externally, including with cloud services. We take reasonable measures to securely store your personal data and have put in place appropriate security measures to prevent loss, misuse or unauthorised access of your personal data. Depending on the purpose of collection, we will keep your personal data for a period of six (6) months to seven (7) years after it is no longer necessary for the purpose for which we collected it, unless otherwise required by law.

SHARING YOUR DATA

We will share your data with third party data processors (where required) so we can provide you with services and products unless you indicate otherwise. Any processing by a third-party data processor will be on our instructions and based on the terms of this Privacy Notice.
Subject to your consent, we will also share your personal data among Group companies. You may withdraw consent at any time to stop a Group company from contacting you for marketing purposes or us from giving your personal data to other members of the Group.

Reasons we share your data	Does the Group share?	Can you object or withdraw consent?
For our daily activities– to process your requests or orders and provide you with products and services requested or to maintain your account	Yes	Yes
For marketing purposes– to offer our products and services	Yes	Yes
For a Group company to market to you	Yes	Yes

What do we mean by marketing?

We may use your personal data to communicate a view we form on products or services that you may be interested in or what we think you may require (this is what we describe as marketing).
You will receive such marketing or non-transactional messages from us if you have requested for information from us or have purchased our services or products and you have consented to receiving such marketing or non-transactional messages.
To withdraw consent to sharing your data for marketing activities, you may follow the link at the Contact Us section of this Notice.

What happens if you object to sharing your data for our daily activities?

If you object to sharing your data for our daily activities in respect of our contractual obligations to you, we would not be able to process your requests or orders and provide you with products and services requested or maintain your account with us.

YOUR CONSENT

You acknowledge and agree that, subject to your consent, we may share your personal data in accordance with the section on ‘SHARING YOUR DATA’ unless and until you withdraw consent.
You agree that we may use your personal data for any of the purposes stated, subject to any withdrawal requests.
You may withdraw your consent and opt-out of any or all of the marketing activities at any time (including at the time of your request for our products and services).

WHAT ARE YOUR RIGHTS?

Access	You have the right to request a copy of the data we hold on you.
Rectification	You have the right to request that the Group correct your data that you believe is inaccurate or to complete data you believe is incomplete.
Object	You have the right to object to us processing your data.
Notificationofsecurity breaches	You have the right to be notified if there are reasonable grounds for us to believe that your data has been accessed by an unauthorised person.

To exercise any of your rights please contact the Data Protection Supervisor using any of the contact details provided below. We may ask for some information to confirm your identity and to ensure we do not disclose your personal data to unauthorised persons. We may also request for additional information to facilitate any request. We will normally respond to requests within 14 working days. However, it may take longer if the request is complex or if there are multiple requests.

COOKIES

What are cookies?

Cookies are text files placed on your computer to collect standard Internet log information and visitor behaviour information. We may collect information automatically through cookies.

How do we use cookies?

Our Group uses cookies to improve your experience on our websites, to keep you signed in and to understanding how you use our websites.

How to manage cookies?

You can set your browser not to accept cookies but some of our website’s features may not function as a result.

CHANGES TO OUR PRIVACY NOTICE

We reserve the right to review and modify this Privacy Notice periodically in accordance with applicable law. If we do so, we will post the updated version on our website and other relevant platforms.

HOW TO CONTACT US

If you have any questions about this Privacy Notice or any aspect of our data protection practices, please contact our Data Protection Supervisor through any of the following means:

Email: life.dps@myenterprisegroup.io
Visit our Head Office at Advantage Place, Mayor Road, Ridge West, Accra.
Write to us: PMB 150, GPO, Accra.