Privacy Policy

1. Introduction

Swift General Insurance Company Limited, trading as “Swift Insurance” (“Swift”, “we”, “us”, or “our”), respects your privacy and is committed to protecting your personal data. This Privacy Policy explains what personal data we collect through www.swiftinsurance.co.zm/ (the “Website”), how we use it, who we share it with, and the rights available to you under applicable data protection law, including the Zambia Data Protection Act No. 3 of 2021.

2. Who We Are

Swift General Insurance Company Limited is the data controller responsible for the personal data described in this Policy.

3. Personal Data We Collect

We collect personal data in the following ways:

3.1 Information you provide directly

When you complete the “Get a Quote” form on the Website, we collect:

• First name and surname
• Contact (telephone) number
• Email address
• The type of insurance you are enquiring about (e.g. Business, Motor & Mobility, Home & Personal, Agriculture, Accidents, Engineering & Construction)
• The type of cover you require (e.g. new cover, renewal, additional cover, switching provider)
• Any additional information you choose to include in the free-text message field

3.2 Information collected automatically

We use cookies and similar technologies to operate the Website and, where you consent, to understand how visitors use it. Our cookie banner and preference centre are managed through the CookieYes platform, which organises cookies into the following categories:

• Necessary — required for the Website’s basic functions and to remember your cookie preferences.
• Functional — support features such as sharing content on social media or collecting feedback.
• Analytics — help us understand how visitors interact with the Website (e.g. pages visited, bounce rate, traffic source).
• Performance — help us understand and improve key performance indicators of the Website.
• Advertisement — used to serve visitors with more relevant advertising and measure campaign effectiveness.

Except for strictly necessary cookies, all other categories are only activated with your consent, which you can give, withdraw, or customise at any time through the cookie preferences icon on the Website.

4. How We Use Your Personal Data

We use your personal data to:

• Respond to your enquiry and provide the insurance quote or information you requested;
• Assess, process, and (where applicable) administer insurance applications and policies;
• Communicate with you about your enquiry, application, or existing policy;
• Operate, maintain, and improve the Website and its security;
• Understand Website usage through analytics, where you have consented to analytics cookies;
• Comply with our legal, regulatory, and contractual obligations, including those relating to insurance regulation and financial crime prevention;
• With your consent, send you marketing communications about products or services that may interest you (you may opt out at any time).

5. Legal Basis for Processing

We rely on one or more of the following legal bases to process your personal data:

• Consent — for example, where you submit the quote form or accept non-essential cookies;
• Performance of a contract — where processing is necessary to provide, administer, or assess an insurance policy you have applied for;
• Legal obligation — where we must process data to comply with insurance, tax, or financial crime laws applicable in Zambia;
• Legitimate interests — for example, to maintain the security of the Website or improve our services, provided this does not override your fundamental rights.

6. How We Share Your Personal Data

We may share your personal data with:

• Independent brokers or corporate partners, where your enquiry or policy is arranged through them;
• Reinsurers, co-insurers, and claims administrators, where relevant to underwriting or claims handling;
• Service providers who support our Website, IT systems, and hosting, under contractual confidentiality and data protection obligations;
• Regulators, law enforcement, or other authorities, where required by law or to protect our legal rights;
• Professional advisers, such as auditors or legal counsel, on a confidential basis.

We do not sell your personal data to third parties.

7. International Data Transfers

Some of the service providers who support our Website (such as web hosting infrastructure) may store or process data outside Zambia. Where personal data is transferred internationally, we take reasonable steps to ensure it receives a level of protection consistent with the Data Protection Act and other applicable law, such as through contractual safeguards with our service providers.

8. Data Retention

We retain personal data for as long as necessary to fulfil the purposes described in this Policy, including to provide quotes, administer policies, and comply with legal, regulatory, tax, and accounting requirements. Retention periods vary depending on the nature of the data and our obligations under insurance and other applicable law.

9. Data Security

We implement appropriate technical and organisational measures designed to protect personal data against unauthorised access, loss, misuse, or alteration. While we take reasonable steps to protect your data, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Your Rights

Subject to applicable law, you may have the right to:

• Access the personal data we hold about you;
• Request correction of inaccurate or incomplete data;
• Request deletion of your personal data, subject to our legal and regulatory retention obligations;
• Object to, or request restriction of, certain processing, including direct marketing;
• Withdraw consent at any time where processing is based on consent (including via the cookie preference centre), without affecting the lawfulness of processing carried out before withdrawal;
• Lodge a complaint with the relevant data protection authority in Zambia.

To exercise any of these rights, please contact us using the details in Section 2 above.

11. Children’s Privacy

The Website is not directed at children, and we do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us so that we can take appropriate action.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. The updated Policy will be posted on this page with a revised “Last updated” date.

13. Contact Us

If you have questions about this Privacy Policy or how we handle your personal data, please contact: