Privacy Policy

Your privacy is important to us. This Privacy Policy explains how Clover Insurance Brokers Limited (“we,” “us,” or “our”) collects, uses, discloses, and protects your personal information when you visit our website, www.cloverinsurance.co.zm (the “Site”).

Information We Collect

We collect the following types of information:

• Non-Personal Information: Browser type, IP address, time spent on the Site, and pages viewed to help us improve your experience.
• Personal Information: Name, email address, phone number, identification number, and any other information you provide when contacting us or filling out forms.

How We Use Your Information

We use the information we collect for:

• Complying with legal requirements and preventing fraud.
• Processing insurance requests, quotes, and claims.
• Communicating with you about products, services, and inquiries.
• Improving the performance and content of our website.

Cookies

The only cookies this Site sets are those used by Google Analytics, which helps us understand how the Site is used. They are not set unless you agree: when you first visit, we ask, and Analytics is only loaded if you accept. Declining does not limit anything you can do on the Site.

You can change your mind at any time using theCookie preferences link in the footer. Declining also removes any Analytics cookies already stored. Your choice is recorded in your browser's local storage rather than in a cookie, so recording a refusal does not itself set one.

We also use Cloudflare's privacy-focused analytics, which measures page views without cookies and without tracking individuals across sites. Cookies strictly necessary to deliver the Site may be set by our hosting provider for security purposes.

Sharing of Information

We do not sell or rent your personal information to third parties. However, we may share your data with:

• Legal authorities if required by law or for fraud prevention.
• Insurance providers and partners to process your requests.
• Service providers who assist us in website operations.

Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no data transmission over the internet can be guaranteed to be 100% secure.

Your Rights

You have the right to:

• Access, update, or delete your personal information.
• Withdraw your consent to data processing at any time.
• Object to the use of your information for marketing purposes.

To exercise these rights, please contact us atinfo@cloverinsurance.co.zm.

Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices of these external websites. We encourage you to review their privacy policies before submitting any personal data.

Changes to this Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page, and the updated date will be revised accordingly. We encourage you to review this policy regularly.

Contact Us

If you have any questions or concerns about this Privacy Policy or how your information is handled, please contact us at:

Clover Insurance Brokers Limited
6th Floor, ZEP-RE Business Park
Alick Nkhata Road, Mass Media
Lusaka, Zambia
+260 96 711 6368
info@cloverinsurance.co.zm