Privacy Policy

Last updated: June 2026

Prime Insurance Company Limited ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains in detail how we collect, use, disclose, and safeguard your personal data when you visit our website www.primeinsurance.mw (the "Site"), request a quotation, purchase a policy, make a claim, or otherwise interact with our services.

This policy is designed to comply with the Data Protection Act of Malawi and incorporates principles of international best practice.

1. Information We Collect

We collect information that identifies you as an individual ("Personal Data") as well as non-identifiable data. This includes:

A. Personal and Sensitive Data You Provide:

• Identity & Contact Data: Name, email address, phone number.
• Insurance Data: Vehicle details (for motor insurance quotations), policy numbers, claim details, incident reports, and uploaded files (photos, documents).
• Quotation Data: Coverage type, duration, vehicle specifications, premium calculations.
• Communication Data: Messages sent through our contact forms.

B. Data Collected Automatically:

• Technical Data: IP address, browser type, device information, operating system, screen resolution, pages visited, time spent on pages, referral sources.
• Cookies & Tracking Technologies: We use cookies and our own analytics system. See our Cookie Policy for full details.
• Usage Data: Website interaction patterns, form submissions, download activities.

2. Legal Basis for Processing Your Data

We process your Personal Data based on one or more of the following legal grounds:

• Contract: To perform the insurance contract with you (e.g., underwriting, policy administration, claims handling).
• Legal Obligation: To comply with laws and regulatory requirements (e.g., anti-money laundering, financial reporting).
• Legitimate Interests: For our necessary business interests, such as fraud prevention, network security, direct marketing (where permitted), and improving our services, provided your rights do not override these interests.
• Consent: In specific cases, we will ask for your explicit consent, which you may withdraw at any time (e.g., for certain marketing communications).

3. How We Use Your Information

We use the information we collect to:

• Process insurance quotations and generate premium calculations.
• Handle and process insurance claims, including reviewing submitted documentation.
• Communicate with you regarding your quotations, claims, and general inquiries.
• Send administrative updates and respond to customer service requests.
• Improve our website functionality and user experience through analytics.
• Comply with legal and regulatory requirements.
• Prevent fraud and maintain website security.

4. How We Share Your Information

We only share your data when necessary for our business operations and under strict confidentiality. We may share your information with:

• Service Providers: Email service providers for sending communications, hosting providers for website operations.
• Insurance Partners: When required for claims processing or underwriting assessments.
• Regulatory Bodies: As required by Malawian insurance regulations and data protection laws.
• Legal Requirements: When required by law enforcement or to protect our legal rights.

We do not sell your personal data to third parties for marketing purposes.

5. International Data Transfers

Your data is primarily processed and stored within Malawi. Some of our service providers (such as email services or hosting providers) may be located outside Malawi. In such cases, we ensure appropriate safeguards are in place to protect your data in accordance with Malawian data protection laws.

6. Data Security

We implement appropriate technical and organizational measures (including encryption, access controls, and secure facilities) to protect your data from unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is 100% secure.

7. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal requirements:

• Quotation Data: Retained for 2 years for business and regulatory purposes.
• Claim Data: Retained for 5 years or as required by insurance regulations.
• Contact Form Data: Not stored in our database; only used to send responses via email.
• Analytics Data: Retained for 1 year for website improvement purposes.

You may request deletion of your data at any time, subject to legal and regulatory requirements.

8. Your Data Protection Rights

You have the following rights regarding your Personal Data:

• Access: Request a copy of the data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your data where there is no compelling reason for us to continue processing it.
• Restriction: Request restriction of processing in certain circumstances.
• Objection: Object to processing based on our legitimate interests.
• Portability: Request transfer of your data to another party in a structured format.
• Withdraw Consent: Where processing is based on consent, you may withdraw it at any time.

To exercise these rights, contact us at prime@primeinsurance.mw. We may request specific information to verify your identity. You also have the right to lodge a complaint with the relevant Malawian data protection authority.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to analyze trends, administer the Site, track user movements, and gather demographic information. You can control the use of cookies at the individual browser level. For more detailed information, please see our separate Cookie Policy.

10. Third-Party Links & Services

Our website may contain links to third-party websites or integrate with third-party services:

• Cloudflare Turnstile: We use Cloudflare Turnstile for security verification on our forms. Their privacy policy applies to data collected through this service.
• WhatsApp: Our client portal may include links to WhatsApp for communication. WhatsApp's privacy policy applies to communications sent through their service.
• Font Awesome: We use Font Awesome icons loaded from their CDN for visual elements.

This Privacy Policy does not apply to third-party websites or services. We encourage you to review their privacy policies before using their services.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect Personal Data from children. If we become aware of such collection, we will take steps to delete it.

12. Changes to This Privacy Policy

We may update this policy periodically. The updated version will be posted on this page with a revised "Last Updated" date. We will notify you of material changes via email or a prominent notice on our Site.

13. Contact Us

For questions, requests, or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer at:

Prime Insurance Company Limited
P.O. Box 30280, Lilongwe, Malawi
Tel: +265 (0) 111 753 012 / 111 757 721
Email: prime@primeinsurance.mw