1. INTRODUCTION

Valtex Insurance Brokers (“Valtex”, “we”, “our”, or “us”) values your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal data in accordance with the Laws of Zambia, including the Cyber Security Act No. 3 of 2025, the Cyber Crimes Act No. 4 of 2025, and the Bill of Rights enshrined in the Constitution of Zambia (Amendment) Act No. 2 of 2016.

By interacting with us—online or offline—you consent to the practices outlined in this policy.

2. DATA WE COLLECT

We may collect the following personal information:

• Full name

• National ID/passport number

• Contact information (email, phone number, address)

• Insurance needs and policy details

• Claims history and supporting documentation

• Payment and billing information

We collect this data directly from you, or with your express consent, from third parties such as insurers, banks, medical providers, or government bodies.

3. PURPOSES OF DATA COLLECTION

We process your data strictly for the following lawful purposes:

• To provide insurance brokerage and advisory services

• To facilitate the underwriting and claims process

• To fulfill contractual and regulatory obligations

• For fraud prevention, due diligence, and legal compliance

• To communicate updates, reminders, and service offerings

We ensure all data processing aligns with Zambia’s principles of human dignity, non-discrimination, and privacy protection as recognized in Articles 27–32 of the Bill of Rights .

4. LAWFUL BASIS FOR PROCESSING

Our data processing is conducted under the following lawful grounds:

• Your explicit consent

• Necessity for contract performance

• Compliance with legal obligations under the Insurance Act and Cybersecurity statutes

• Protection of legitimate interests, including fraud prevention

5. STORAGE AND DATA RETENTION

In compliance with the Cyber Security Act of 2025, all critical or personal information is stored within the Republic of Zambia unless otherwise authorised by the Zambia Cyber Security Agency .

We retain your data only for as long as necessary to fulfill our obligations or as legally required. When data is no longer needed, it is securely deleted or anonymized.

6. DATA PROTECTION AND SECURITY

Valtex employs reasonable technical, administrative, and physical safeguards to ensure:

• Protection from unauthorised access or disclosure

• Integrity and confidentiality of data

• Secure storage of electronic and physical records

We strictly prohibit interception or monitoring of personal communications without lawful basis, in line with Part V of the Cyber Security Act .

7. YOUR RIGHTS

You have the following rights under Zambian law:

• Right to be informed about how your data is used

• Right to access, correct, or delete your personal data

• Right to object to processing on legitimate grounds

• Right to data portability (upon request)

• Right to seek redress for any unlawful handling of your data

To exercise your rights, contact us using the details in Section 10.

8. SHARING OF INFORMATION

We may share your data:

• With insurance underwriters and reinsurers, as required

• With regulatory bodies (e.g. PIA, FIC) for compliance

• With law enforcement, in accordance with warrants or orders under the Cyber Crimes Act

• With trusted service providers bound by confidentiality

We never sell or rent your personal data.

9. BREACH RESPONSE AND CYBER INCIDENTS

In the event of a data breach or cyber incident, Valtex will:

• Report the incident to the Zambia Cyber Incident Response Team (ZCIRT)

• Notify affected clients, in accordance with the Cyber Security Act and data protection best practices

10. CONTACT US

If you have questions, requests, or concerns regarding your personal data, contact:

Valtex Insurance Brokers Ltd.

📍 Physical Address: Stand No. 11 Ash Road Near Maina Soko Military Hospital Lusaka, Zambia

📞 Tel: +260 977 308 150

📧 Email: info@valtexinsurance.co.zm

This Policy is subject to updates. Any significant changes will be communicated through our website and other official channels.