Banyan Claims Consultant Ltd: Privacy Policy

1. Introduction

Banyan Claims Consultant Limited ("Banyan Claims", "we", "our", or "us") is committed to protecting the privacy and security of the personal information of our clients, employees, partners, and website visitors ("you" or "your"). This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal data in compliance with the Nigeria Data Protection Act, 2023 and other applicable regulations.

We are a claims consultancy and advisory firm, not an insurance provider, legal practice, or data broker.

2. Scope and Consent

By accessing our website, using our mobile application, or engaging our services, you consent to the collection, use, storage, and sharing of your personal data as described in this Policy. This includes data shared during consultations, claims support, or through any of our digital platforms.

3. Definitions

  • Data Subject: An individual whose personal data is collected.
  • Data Controller: Banyan Claims Consultant Ltd, which determines how and why personal data is processed.
  • Data Administrator: Persons within Banyan Claims who manage data operations.
  • Data Protection Officer: A designated officer responsible for overseeing compliance.

4. Information We Collect

A. Information You Provide

  • Personal Information (e.g., name, email, phone number, date of birth)
  • Identification Data (e.g., NIN, passport number, voter's card, driver's license)
  • Financial Information (e.g., BVN, bank details where required)
  • Sensitive Data (e.g., marital status, medical records where necessary for claims support)

B. Automatically Collected Data

  • IP address, browser type, device ID, operating system
  • Usage patterns (e.g., session duration, clickstream data)

C. Cookies and Tracking

We use cookies for analytics, security, and functionality. You can manage cookies via your browser settings. If advanced tracking (e.g., Meta Pixel) is used, a separate cookie notice will be made available.

D. Third-Party Information

We may receive information from professional partners (e.g., legal advisors, insurers, assessors) for the purposes of claims investigation or dispute resolution.

5. How We Use Your Information

  • To deliver, personalize, and improve our services
  • To communicate with you regarding your service or inquiries
  • To support claims advisory, analysis, and negotiations
  • To comply with legal and regulatory requirements (e.g., NDPC, NAICOM)
  • For risk detection, fraud prevention, and dispute resolution

Disclaimer: We do not provide legal representation. If formal legal action is required, we may refer you to licensed legal professionals.

6. Sharing and Disclosure

We only share your information when:

  • It is necessary to perform our services
  • Mandated by law or regulatory authorities
  • You provide explicit, informed consent
  • With service providers under contractual confidentiality obligations

We are not liable for the misuse of data by third parties beyond our control.

7. Children's Data

We do not knowingly collect data from individuals under the age of 18. If such data is inadvertently collected, it will be deleted upon discovery.

8. Data Security

We adopt industry-standard measures including:

  • Data encryption
  • Access control
  • Secure storage practices

We will notify the NDPC within 72 hours and affected users where there is a data breach that may impact your rights.

9. Data Retention

We retain personal data only for as long as required to meet legal, regulatory, and operational obligations. Residual backup data will be protected with equivalent safeguards.

10. International Transfers

Data may be transferred outside Nigeria in accordance with the Nigeria Data Protection Act, 2023, subject to appropriate legal and contractual safeguards.

11. Your Rights

You have the right to:

  • Access your data
  • Request corrections or deletion
  • Object to or restrict processing
  • Request data portability
  • Withdraw consent at any time
  • Lodge complaints with the NDPC or our DPO

12. Policy Updates

This Policy may be updated periodically. All revisions will be posted on our website.

13. Contact Us

Data Protection Officer
Banyan Claims Consultant Limited
Email: enquiries@banyanclaims.com
Website: www.banyanclaims.com

Thank you for trusting Banyan Claims Consultant Limited.

Effective Date: June 2025
Last Updated: June 2025