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Privacy Policy

1. Introduction

Statewide Insurance Company Limited (“SWICO”, “we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, disclose, and protect personal information when you use our website or our services, and what your rights are.

2. Who We Are & Contact Information

Statewide Insurance Company Limited is a non‑life insurance company licensed in Uganda. Located at Sure House, Plot 1, Bombo Road, Kampala, Uganda.
If you have any questions about this policy or our data practices, you may contact us at: info@swico.co.ug

3. What Information We Collect

We may collect the following types of personal information:

  • Identity data (name, date of birth, gender, national identification or passport details)
  • Contact data (address, telephone number, email address)
  • Policy information (policy number, coverage, claims history, risk profile)
  • Financial information (payment or premium details, bank account information)
  • Technical / usage data (IP address, device type, browser type, pages visited, timestamps)
  • Communication data (correspondence with us, customer service, feedback, complaints)
  • Third‑party or public data (credit references, verification services, or publicly available sources)

4. Purposes & Legal Basis for Processing

We collect and process personal data for purposes including (but not limited to):

  • Issuing, managing, renewing insurance policies
  • Processing claims, investigations, and assessments
  • Handling payments, billing, refunds
  • Communicating with you regarding your policy, changes, updates, renewals, support
  • Fraud prevention, compliance with legal / regulatory requirements (including anti‑money laundering / know your customer)
  • Analysing and improving our website, user experience, and internal operations
  • Marketing and promotional communications (where you consent or as permitted by law)

5. Cookies & Tracking

We may use cookies or similar technologies to improve your experience, recognise returning visitors, remember preferences, measure how you use the site, and support site functionality.
You may disable or manage cookies via your browser settings, although some parts of the website may not function properly if cookies are disabled.

6. Sharing Your Information

We may share your data with:

  • Service providers or partners who assist with our operations (payment processors, IT service providers, agents, brokers, claims adjusters)
  • Regulators, law enforcement, or government authorities as required by law
  • Reinsurers or co‑insurers involved in risk sharing
  • Fraud prevention, credit reference or verification agencies
  • With your consent where required
  • In the event of business transfers (merger, acquisition), with appropriate safeguards

7. Data Retention

We keep personal data only for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations, resolve disputes, or enforce our agreements. Once no longer needed, data will be securely destroyed or anonymised.

8. Security of Your Data

We implement technical, administrative, and physical security measures to protect your personal data from unauthorized access, disclosure, alteration, or destruction. These may include encryption, access controls, security audits, employee training, and secure backups. However, no system is perfect, and we cannot guarantee absolute security.

9. International Transfers

If we transfer personal data outside Uganda, we will ensure appropriate safeguards are in place to protect the data to standards compatible with Ugandan law and applicable privacy standards.

10. Your Rights

Subject to applicable laws, you may have rights including:

  • Access: request copies of your personal data
  • Correction: correct or update inaccurate or incomplete data
  • Deletion: request deletion of personal data in certain circumstances
  • Restriction or objection: ask us to restrict or stop certain processing
  • Data portability: where applicable, receive your data in a structured, machine‑readable form
  • Withdraw consent: if processing is based on consent, you may withdraw it
  • Complaint: lodge a complaint with a relevant data protection or supervisory authority

 

To exercise any of these rights, contact us at: info@swico.co.ug. We may require verification of identity before fulfilling your request.

11. Children / Minors

Our services are intended for people aged 18 or over. We do not knowingly collect personal data from minors under 18 without parent or guardian consent. If we discover data has been collected inappropriately, we will delete it.

12. Changes to the Privacy Policy

We may update this policy from time to time to reflect changes in our practices, legal requirements, or technology. When we make a material change, we will update the “Last updated” date and may notify users via the website or email. Your continued use of our site or services after changes means you accept the updated policy.

13. Complaints & Dispute Resolution

If you have concerns about how we use your data, please contact us at info@swico.co.ug. We aim to respond to complaints in a timely manner. You may also have the right to contact Uganda’s data protection or insurance regulatory authority if you believe your rights have been violated.